davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX Inquired on XXXX XXXX, 2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (VA)

Complaint re : CashNetUSA We attempted to pay off this debt IN FULL several times during XXXX and early XXXX ( this was a requirement of a XXXX lender so it was imperative to do so ). During telephone and written emails we were repeated refused our request for a mailing address and always received the same answer. The company refused our payment by mail and will only take a payment via our checking account. We repeated asked the lender for the mailing address to mail the XXXX lenders check or our check of payment in full. I even tried to pay the debt while we were out of the country via e-mail and after two emails was AGAIN informed they would not provide a mailing address for payments. Based on CashNetUSAs refusal to provide mailing address HELO lender decided to put through our home equity/improvement loan without paying them. CashNetUSA refused to accept our payment, in full, of this loan beginning in XXXX and XXXX of XXXX by refusing to provide us a mailing address to mail payment in full. They can confirm this by checking their own email records which are kept by them. We have now received information that this account has been sent to a debt collector. That is unfair. We attempted to pay this debt, in full, on many occasions and were refused by CashNetUSA. We wanted a cancelled check as a firm receipt that this debt was paid. We should not owe any additional interest, or perhaps even the entire amount loaned because they refused payment in full on more than one occasion. Again, they were told we wanted to pay the amount in full and needed a mailing address to do so. They refused to provide a mailing address on several occasions and said they would not accept our payment that way.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Credit Services, Inc (MI)

Repeated calls from the same company but using different numbers. This has been going on for over a year or more. Many times 2 or more times a day. 

Universal Credit Services I have put a couple months of calls. I have tried to get copies of Cell Service bill from XXXX XXXX XXXX but they say only with a subpoena XX/XX/XXXX - -XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX 3 times on this day with this number, XXXX XX/XX/XXXX - XXXX 2 times this day with this number, XXXX 2times, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX, XXXX 3 times this day with this number XX/XX/XXXX -XXXX, XXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - -XXXX, XXXX, XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XX/XX/XXXX- XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX- XXXX, XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX 2 times this day with this number XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank converted their online banking system over the weekend of XX/XX/XXXX and XX/XX/XXXX. The new system came up on Monday, XX/XX/XXXX, but was not fully operational. We can access account data, but the Bill Pay function is not working at all. I pay almost all of my bills using the bank 's Bill Pay function, so I am at a loss. I have called, and emailed, and visited my local branch, but no one can tell me anything, just that they are working on it. Someone needs to get to them, and make them either fix the system, immediately, or back out of the conversion and go back to the old system. I am sure that TD Bank will not cover my late payments and interest if I can not pay my bills due to their failure to convert their system correctly and in a timely manner. As a consumer, I am being ignored, and I would like some one to put pressure on them IMMEDIATELY!
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MD)

The company responded telling me they dont need a signed contract or to prove that an account is mine. They refuse to remove it & are telling me that a fraudulent address is mine. I DO NOT owe that account NOR DO I have or ever had any affiliation with the address linked to that account. It is a fraudulent address on my profile XXXX XXXX XXXX XXXX # XXXX agricultural/single family IT IS NOT MINE. If they dont provide a wet signature, signed document, photo, Lease or any other valid PROOF I want it REMOVED with an apology or my next step is contacting my attorney. SEE THE CIRCLED DOCUMENTATION, ADDRESS, ACCOUNT NUMBER, COMPANY & DATES.This is malicious and I WILL NOT let this go without financial recourse.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... )
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2020-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

My loan was transferred to BSI Financial on the XXXX of XXXX. XXXX XXXX turned my auto pay off and I now need to make my payment for XXXX in the amoun tof XXXX. My loan account with XXXX XXXX is XXXX. I can not get anyone on the line to make payment to BSI Financial. I have had auto pay on this since I got the loan and never had a late payment. 

The only time I was able to get them on the phone was Wednesday XX/XX/XXXX at XXXX XXXX. The lady was very rude and told me it would be 45 days until my account was setup ( which would put me 2 months behind ) and possibly foreclosed on. I was trying to setup payment early and was told I COULD NOT. 
I am also a XXXX XXXX XXXX veteran and asked that they remove taxes from my loan as I am no longer required to pay them in XXXX County Florida and offered to provide them the notice from XXXX County showing I am property tax exempt. They would not remove my taxes or take that information over the phone. 

I am unable to setup an online account. I am unable to make a payment. I am unable to get someone to call me back so I can find out to where to make a payment. They do not directly answer their phones. This is a VA loan not a standard mortgage and I will be seeking an attorney if they do not remove the property taxes from my monthly payments, and releases the escrow that I am due. I can't even make a payment and I have to submit this ahead of time as payment is considered late on the XXXX of XXXX at no fault of my own.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Comenity Bank/Victoria Secret a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Consumer complaint received 2022-01-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NJ)

I am a registered XXXX  and had a working sponsorship with PRMI, from XX/XX/2021 - XX/XX/2021. The first issue, they charge a commitment fee and also a 1/2 point on every file. That half-point can be waived by the XXXX if the client questions it. If the XXXX XXXXlects to waive it on every file, as I did, feeling it was taking advantage of my borrowers, the XXXX  is counseled by management, and if it continues advised it will end in an in-house disciplinary action and a decrease in all future compensation agreements. 

Once I left the company on XX/XX/2021. The company continued to solicit prior realtors and clients using my name and XXXX #. Well after I left the company. I have attached a copy of the most recent email I received from a client.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I purchased concert tickets for a total of {$740.00}. Concert was cancelled and the credit was posted to my account with Chase. 

On XX/XX/2020, I had paid off my balance of {$1700.00}. Yet 2 days later when my credit was posted they deducted it from my balance I had, even though that payment would not be due until XX/XX/XXXX. Those monies are owed to the 6 different people that purchased tickets and I need it to reimburse it to them. Chase should not be able to keep my money since I had made my payment, in full, 2 days earlier. 

I talked to supervisor, XXXX, and was told that that's what my agreement states. I feel that it is not legal for Chase to have access to my return. By doing so, it would make 2 payments made to them within 2 days. 

I need a check for the credit that was given to me so that I'm able to return monies to different parties.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please be advised, Ive tried explaining to Equifax XXXX XXXX and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

1. XXXX XXXX acct # XXXX 2. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) 3. XXXX XXXX Acct # XXXX XXXX. XXXX acct # XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (AL)

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with Mohela. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX XXXX XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CO)

I recently purchased a vehicle for myself to get to work and take my daily commutes. The person I co-signed with is insured and I was authorized to drive the vehicle but we really want to get my own insurance on the vehicle. On XX/XX/18 I called multiple insurance companies and they all refused to get me insurance coverage because an error with LexisNexis ' reporting of my public record. When the companies look into it they clearly see that the accident and driving record reported on my public profile are not me. I even have a legal state document proving no accidents on my driving record for the last seven years. The individual has a totally different middle and last name and lives in a totally different state. When calling LexisNexis there is a completed automated system and no way to converse with a person quickly. I can not refute this issue without my full report that must be mailed to me and I can not drive without car insurance. This is ridiculous that someone with a totally different name has somehow been mixed up with my profile. It's making my life a little XXXX   at this point.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Equifax is reporting a company called XXXX  XXXX XXXX on my credit report. This account has been charged off for over five years but they continue to show late payment marks for every month which I thought was a major violation of the FCRA. If an account is charged off as a bad debt already they should not be reporting a monthly payment status but they are. They keep updating this old account. I want them to delete this account because they are in violation of the FCRA.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (VA)

In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX Debt Collection  harassment of the debtor for credit card charge-offs issued by Comenity Bank such as Victoria 's Secrets. I am a divorced XXXX  XXXX XXXX XXXX living on social security. I have a difficult time paying for XXXX  and the prescription XXXX  to minimize the complications of XXXX. I was XXXX  for complications  of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A Victoria 's Secrets account was opened and merchandise purchased. I don't remember opening up this account. Comenity Bank informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the XXXX  coverage. I would have to wait until open enrollment for coverage.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The complaint is against equifax for not properly notifying me with in 30 days on two separate complaints.

See pdfs for verification. 
One submitted in 4 dintvrecieve response untill 6 And another submitted on early 6 not revieving a response untill XX/XX/24 You details you will have to look at supporting documents. This complaint us against Equifax, not the companies which initiated the disputes. 

When directly communicated with equifax they say thier system shows a response from the companies with in 30days, but the documentation in pdf format shows that they failed to notify me with in 30days.,  they refuse to admit fault even when presented with the evidence of the pdf. The complaints came through the cfpb, responses should be returned via the cfpb so that is trackable by and independent third party, and not he said she. 

I am specifically not mentioning the names of the companies, because if I do equifax with despite the validity of the accounts reguardless of what my note says or the menus options pressed before this page. They are not handling complaints as requested by users. 

This is a complaint against Equifax for not updating me within 30 days of the initiation of an investigation.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates purchased old alleged debt back in XXXX that contained factual errors. Out of greed and arrogance, ignorance and incompetence they ignored the OCC. XX/XX/XXXX guidelines on purchasing unverifiable, inaccurate and unsubstantiated debts. Parked these debts on my credit reports in XXXX. Reported these asserted debts as opened and as collection accounts after the SOL dates for legal collection thru the courts had expired. I have disputed these alleged debts and have tried for the last 2 years to get them to provide legal validation these debts are mine and I owe the amounts they claim and are reporting to the credit agencies I owe. I have asked the credit bureaus to investigate and they have claimed the accounts were verified, and certified as accurate. I continue to dispute their reporting and asked for their methods that determined these accounts were accurate. PFA has never sent me anything that provided legal validation. They have continually updated these accounts monthly since XXXX. Their reporting as been very harmful and detrimental to my credit scores by having collections on them. I don't know what else to do. How can they continue to report to the credit bureaus?