davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

Part of the XXXX Breach and Neglect from Chexsystems  my personal information was hacked last year XXXX 2016 with XXXX XXXX and my Checking account was Hacked and used to withdraw Funds from and Bad deposited Check and Chexsystems after numerous disputes has neglected and failed to properly verify my claim with the Bank and has taken sides with the Bank on a Fraud dispute and has not deleted this Fraud Account and Balance from XXXX XXXX from my file as a Result XXXX XXXX has been Advised to Cease and Desist all collections and Reporting on a Fraud disputed account.
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 accounts 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 accounts 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, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

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 2020-12-09
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: Experian Information Solutions Inc. (TN)

I HAVE ASK FOR PROOF OF CONTRACT AND HAVE YET TO RECEIVE IT THESE ACCOUNTS ARE THIS LISTED ON MY CREDIT REPORT AND NEED TO BE REMOVE ASAP
Consumer complaint received 2022-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CATHAY BANK (CA)

CONSUMER FNANCAL PROTECTON BUREAU XX/XX/2022. I have filed a complaint No.ID XXXX and it is not resolved the problems for online banking account with mobil phone and email pass code link to login account on software problems in three months. 
I am frustrate, and I am very concerned seriously about the Cathay Bank management is fully responsible safety my account. 

I can not login my account where my social security funds has been deposited in three months at Cathay bank XXXX XXXX that purchased my bank account from XXXX in California I contacted the manager XXXX, Cathay bank of XXXX many times to care of account problems and I requested to send debit card, credit cards are not delivered. 
XXXX has already referred the problems to the relevant team of customer care supervisor XXXX XXXX who works out the problems with software engineer.I contact him many times and left message on customer services at XXXX. NOBODY FEEL RESPOSiBLE AT CATHAY BANK. 

XXXX XX/XX/2022 XXXX also filed the complaint to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/2022 I have filed the complaint to the police department XXXX XXXX XXXXXXXX where I resides for 40 years. 

Urgently I need help. The CFPB has to act with responsible for law enforcement. I believe, I am the victim of elder Financial abuse an act that violated my consumer rights and I have been suffering unusual hardship in California Law offer financial protection dependent elder adult. 
I have been unfair dealing with XXXX and XXXX with violation US and Californai banking laws. 

Sincerely. 
XXXX XXXX
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

there are two dismissed bakruptcies on my credit reports with XXXX  equifax and XXXX  that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.
Consumer complaint received 2021-04-08
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 — Problem with personal statement of dispute
Company: COMMERCE BANK (UT)

My complaint is in regards to unfair credit reporting practices and retaliation for complaining to the bank and credit reporting agency about it. 

As of XX/XX/XXXX statement I had a balance of {$1900.00} with a credit line of {$2000.00}. On XX/XX/XXXX I made a payment of {$750.00}. Sometime between XX/XX/XXXX & XXXX they reduced my credit line to {$1200.00}, leaving approx {$5.00} available. On XXXX they charged me interest of {$23.00}, causing the account to go over the limit and reported it to the credit bureau causing a negative mark, when all I did was make a big payment. On XXXX I paid the account in full and filed a complaint with the bank. I have not heard back from the bank about my complaint as of today ( XXXX ) like I was told i would and it appears they certainly reviewed my account and once again, reduced the credit line down to {$500.00} on XX/XX/XXXX. Seems to me they are retaliating against me because I filed a complaint in regards to the unfair practices and they also haven't even acknowledged the complaint or negative marks I received on my credit report because of THEIR actions. I find this very unfair beacaue all I did was make a large payment which they took advantage of by reducing my credit line and then gave me negative marks on my credit for it. I've recently disputed this through the credit reporting agency also.
Consumer complaint received 2021-04-08
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. (TN)

Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XX/XX/XXXX, XX/XX/XXXX & Transunion. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XX/XX/XXXX, XX/XX/XXXX& Transunion never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XX/XX/XXXX, XX/XX/XXXX& Transunion credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.
Consumer complaint received 2021-04-08
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. (TN)

Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XXXX, Equifax & XXXX. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XXXX, Equifax & XXXX  never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XXXX, Equifax & XXXX credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.
Consumer complaint received 2017-12-11
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. (TN)

My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I noticed a steep drop in my credit score as a result of a Collection Account that belonged to a company called XXXX XXXX in the amount of {$380.00}. This account was for water delivery services and the rental of a water dispensary system. I stopped water delivery and made arrangements for the water dispenser to be picked up in 2019. The dispenser was picked up and returned back to the company. However, the account was never updated and XXXX XXXX XXXXontinued to try and collect the amount of the water dispenser from me ( {$350.00} XXXX. I have been trying to dispute this with XXXX XXXX for three years, to no avail. Finally, I was tired of having a collection on my account so I just paid the balance, thinking my score would improve. It didn't. Instead, XXXX XXXX still has the account listed as a Collection Item, showing a zero balance and the account closed. Because of this, my score is still unnecessarily weighted down because it shows an outstanding collection item. I have tried to resolve this with XXXX XXXX asking them to remove the collection item. They said they are only obligated to show the account as paid, not change the status from collection. So, after hitting a dead end with them, I filed a dispute with the credit reporting agency Experian - after 30 days - NOTHING CHANGED!!! The account is still showing as an open collection - despite the debt being fully paid. I was hoping that this item would be removed altogether - it wasn't. This is still negatively affecting my score. I want it removed altogether!! There isn't any reason to show it as still in collection - when it clearly is not. 

I have exhausted every possible remedy short of suing Experian and XXXX XXXX for false reporting. 

Please help me get this item removed from my credit reports with all three ( 3 ) bureaus.
Consumer complaint received 2017-12-12
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rent Recovery Solutions (NC)

XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.
Consumer complaint received 2017-12-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Manhattan Beach Venture, LLC (RI)

On X/XX/16 an individual contacted myself stating he worked for student loan relief/Obama forgiveness program. Representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included some sort of contract from manhattan beach venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX XXXX  whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down and get my money back. I do not want someone else to be scammed by this company.
Consumer complaint received 2021-04-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company called Portfolio Recovery Associates is reporting to the XXXX  Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX  credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint
Consumer complaint received 2021-11-01
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: EQUIFAX, INC. (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

I was informed by my daughters XXXX school that a tuition balance of {$9700.00} was due for XXXX XXXX. XXXX XXXX XXXX XXXX based in XXXX. XXXX. Tel.  XXXX XXXX. I inquired to the bank wiring directions from the financial advisor. I received from his email account around XX/XX/2020 from XXXX with specific bank information : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX account : XXXX routing : XXXX I wired the money on XX/XX/2020. 

XXXX of XX/XX/2020 he inquired why I had not sent the tuition. I furnished the details and at that time we realized I had the incorrect banking information. He mentioned his email was hacked and I should work with my bank to recover. Since then the following actions taken : 1. informed my bank ( XXXX XXXX XXXX ). They have tried on 3 occasions to reverse the wire to no avail. Chase will not release the funds back. XXXX claims no liability since I furnished the information and they are not willing to work with Chase on investigation. 
2. Chase fraud department contacted but will not work with me on the topic since I am not their customer. 
3. Filed FTC complaint - pending Concerning to me that a US based bank can be used for nefarious activity and a US citizen who was defrauded has no recourse via the banks. The banks seem disinterested in investigating. I am concerned that others may be similarly defrauded. 

More details and emails and other materials available upon request.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My wife and I have a VA 30 year fixed loan with Carrington Mortgage Company at a XXXX interest rate. On or bout XX/XX/2020 I spoke with an agent to discuss a VA IRRL loan for 15 or 20 years. She sent an email to start a refinance application for a 25 year mortgage, they ran our credit reports and offered us a 25 year IRRL Refinance at 2.75 percent withe credits for the various charges outside the principle. We did not want to enter a longer agreement than we owed so we asked for a XXXX or 20 year loan at XXXX withe the same terms that were initially presented to us. We were told that the payment for a 20 year mortgage would be {$20.00} more a month than our previous payment and therefore does not meet one of the stipulations of the IRRL which would be to lower your monthly payment. Because they would not offer us a 15 or 20 year refinance we stopped the application process.I feel that the reason we were denied the 15 or 20 year refinance at 2.75 with the added incentives was not offered because they wanted us to enter into a 25 or 30 year loan. We received a statement of credit denial, termination or change dated XX/XX/2020 and they had the term of the loan as 20 years which we would have accepted initially.
Consumer complaint received 2023-01-19
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. (NC)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX