davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
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: Collections Acquisition Company, Inc. (WI)

My name is XXXX XXXX, I happened to have a person who shares the same name and last name with me in XXXX Wisconsin. I paid off all my debts on my credit but collectors keep putting his activities on my credit report. 
1 ; three account all from woodmans grocery store. the amounts are {$130.00}, {$120.00} and $ XXXXThese are negatively affecting my credit report on XXXX. I know this person and talked to him about it and he admitted the accounts are his. Can you please help me and make sure this doesn't happen again. This not the first time,
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and transition are reporting a personal loan I paid in full that it is close and drop a lot of point on my credit report. My understanding about paying a full amount in a loan it will increase your credit score but unfortunately my credit score went down 62 points. It was a credit union account, paid in full XX/XX/XXXX.
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

This is phantom debt contrived by a criminal enterprise originally located in XXXX XXXX, NV. This was initially thought to be identity theft but is actually mail fraud. A complaint has been filed with the XXXX. XXXX inspection XXXX. This is report C # XXXX The initial letter dated XXXX XXXX, XXXX was from XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX had purchased an account from XXXX XXXX Bank for {$690.00} and I now owe this money. This is fraudulent. I have never heard of any of these companies. 

XXXX has provided me with the following : XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX XXXX, NV. XXXX The next XXXX XXXX XXXX XXXX letters have come from Resurgent Capital Services XXXX. XXXX XXXX XXXX MI XXXX demanding payment and personal information. This collection agency also has many other names and XXXX but no physical addresses. 

These are criminal enterprises as can be seen from the internet- XXXX.I have also filed a complaint with the credit agency XXXX XXXX I have not and will not send any money. I have the originals of all letters. 
Thank You
Consumer complaint received 2022-04-02
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: TD BANK US HOLDING COMPANY (CO)

I had XXXXwo on-time pay accounts with TD Auto with no problems. On the third account opened in 2014 with XXXX on time payments, TD Auto decided to not pull my ACH payment and failed to notify me so my account was listed as delinquent. I reported this to the CFPB Complaint # XXXX and TD Auto sent a letter saying that their policy had changed and they were correcting the delinquency. Not only was the issue not corrected, but another late payment was added to XXXX. TD then stated that it would take 60 days for the credit agencies to fix the complaint, it's been over 90 days now and the problem has not been resolved. I respectfully request that TD correct this error immediately. Thank you
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2021-02-03
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. (GA)

Trans Union fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX  fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America sent a letter to me that they had put my home into foreclosure after i explained to them that i had been laid off permanently from my jobXX/XX/2020 due to Covid19 and i needed forbearance. This is in direct violation of the CARES ACT.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

This complaint is directed to Mr. Cooper Mortgage LLC. Thanks to your efforts, XXXX mortgage disclosed that our mortgage payment we made to them on XX/XX/2020 was inexplicably reversed and sent to my new loan servicing company, Mr. Cooper, on XX/XX/2020. Mr. Cooper never applied the {$1500.00} payment to our mortgage. I have called and messaged Mr. Cooper several times with copies of the documentation including the confirmation that they had received the XXXX delivery of the money from XXXX. I have still not heard what happened to our money. They initially denied they received the money from XXXX and it took me a while to have XXXX provide documentation that this transfer had been completed on XX/XX/2020. The payment has not been applied to our loan or refunded to us as of today nor has Mr. Cooper been responsive to our repeated requests for information about the money. In addition, our credit has been adversely affected with 30 day late payments reported to the credit bureaus and this needs to be reversed as not only did we make the payment on time, we also made an additional payment in XXXX to cover the payment Mr. Cooper lost.
Consumer complaint received 2021-02-03
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)

its now been more then 45 days with no response. i sent in a letter on XX/XX/XXXX and XX/XX/XXXX with failure to validate negative accounts which are defamation of my character. also no response from them
Consumer complaint received 2019-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RCS Recovery Services, LLC (VA)

Hi Im currently in litigation with RCS Recovery Services for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, XXXX XXXX, received an overage on the note due to them. RCS will never get a dime from me. They are liars and are harassing me for money that is actually owed from XXXX who took the property. Banks not paying each other is not my problem.
Consumer complaint received 2022-04-02
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. (GA)

There is an account listed from XXXX  XXXX that indicates that the original account that is now charged off is from XXXX yet I havent had a XXXX account. I have already confirmed with XXXX that I dont have anything in their records and yet it still hasnt been removed I have already disputed with Experian and XXXX yet it still hasnt been removed. They have failed to remove inaccurate information per FDCPA and FCRA laws. 

Account Info ; XXXX XXXX  XXXX XXXX XXXX XXXX {$5500.00}
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX XXXX  sent me to collections and this is not my debt it is my brothers I tried disputing the item and it was deleted by XXXX then when I disputed it with XXXX  they did not delete the item in question XXXX XXXX took 30 days to investigate and XXXX  only took 2 days I wish to have this item deleted because it is Affecting my credit and my family
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

One day before their XXXX went live on the stock market Coin base logged me out of my account and claimed my credentials didnt work any. They claimed my number I file was incorrect ... untrue! 

So they XXXX  me around a couple weeks and I did everything they asked of me ... .then they stopped communicating with me. I filed a complaint and then one with XXXX  ... still totally in the dark ... I have {$500.00} worth of assets!
Consumer complaint received 2022-03-30
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. (NY)

Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.
Consumer complaint received 2021-07-12
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. (GA)

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX? XXXX and XXXX XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 8 inquiries on my credit report that are not mine I have not inquired for anything like this or know what they are for I need them off my credit since I have been disputing these since XXXX. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX CERTIFIED CREDIT REPOR - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2017-12-19
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: Early Warning Services, LLC (TX)

I am a victim of identity theft. Several accounts have been opened in my name without my consent or knowledge. I have previously had to dispute accounts with XXXX, XXXX, and XXXX. All of these accounts were closed and after an investigation the negative information being reported was removed from my Early Warning Services report. A new account has now shown up on my report from XXXX. I have never done business with XXXX and according to their website I am not even eligible to have an account with them as I am not married nor have I ever been, I am not in the military nor have I ever been and I have no family that is currently serving or who has served in the past. 

My apartment was broken into and several of my things were stolen, including : My passport, driver 's license, debit cards and two check books. I filed a police report with the XXXX Police Department. The police report number is : XXXX The theft of my identity documents resulted in this identity theft. I have attached a copy of my social security card, my driver 's license, the police report and a copy of the FTC affidavit of identity theft.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

I was first contacted on XX/XX/XXXX by an employee from a debt collections company. The name of the company was XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The agent said he was trying to collect a debt on XXXX XXXX XXXX Credit Card ending in XXXX. It was in the amount of {$520.00} at the time. He had no actual full acount number or any documentation showing my signature on any paperwork that the debt was mine. He said account was opened on XX/XX/XXXX with a XXXX address which he didn't provide to me. I told him you have the wrong person. I've been a victim of Identity theft and an Identity thief is using my personal information without my permission. I'm disputing this debt. I've never had a XXXX  XXXX XXXX Credit Card and never lived in XXXX where this account was opened. My whole life I '' ve lived in XXXX. I said to him. I also researched this item and it didn't exist on my Credit Reports at that time. I also received a letter from XXXX XXXX XXXXXXXX dated on XX/XX/XXXX. With an address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The letter staed they are reasearching my claim of Identity theft. I never got a reponse. I kow have received another collections letter from another agency named Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm sending you the reports I submitted to XXXX  XXXX XXXX and my credit reporting agency. To show proof that I was a victim of Identity Theft. I also include a letter from my XXXX XXXX XXXX showing I lived at this XXXX residnce on the Service periods. I couldn't of and didn't live in XXXX
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

2 months ago, I contacted Citibank Thank You Preferred credit card customer service requesting a temporary reduction in my interest rate as I had some unexpected expenses and inquired why my payment had jumped from the {$300.00} range to the mid {$400.00} per month. I said I had not made any additional purchases and the representative said that no they can't help me with any interest rate reduction and she started reviewing my account. She said " Oh, I see what is happening, you are being " punished '' so to speak with an additional interest rate being added to your already existing interest rate because of two late payments in a 6 month period. And that remains for 6 months and I was at the end of the punishment period, so that payment amount should drop on the next statement. She since she couldn't help me with reducing my rate, she would give me XXXX thank you points which I haven't seen on my statement either. 
Well the payment didn't drop, it remained in the mid {$400.00} range and what they are doing is wrong. Gouging customers for late pays with additional interest rates on top of the existing they are already charging and that is on top of late fees. Citibank is on the East Coast 3 hours ahead of us, so when we make our payment on the due date here in California, and because my work hours I've had to make it after XXXX at the ATM at a local branch, and its considered late because in NY its the next day. I have call the relationship manager in my local branch left 3 messages and never received a return call. I want to change the due date on my account, because of when my check arrives in the mail, and the local branch is of no help at all. I am shocked at what they are doing and it is wrong. Gouging customers with so much interest rate charges it makes it difficult to make the payment.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (OH)

I applied for assistance thru the Ohio XXXX XXXX XXXX This was on XX/XX/XXXX. Per the Ohio XXXX XXXXXXXX the US Treasury sent a file on XX/XX/XXXX to my mortgage company which is the SN Servicing. To date nothing has been done. The Ohio XXXX website still shows " waiting for servicer reply '' I have called several times to S & N customer service, and they don't seem to know what HAF is. The last call I made I was met with hostility from my account XXXX. She stated my file is being worked on and reminded me that I have already called about the matter that same week. I have been told by a XXXX XXXX that someone named XXXX did not receive the file and that " XXXX '' will reach out to her contact at the Ohio XXXXXXXX XXXX XXXXXXXX. I applied for assistance to pay my arrears which now is 3 months. I am trying to proactive but to no avail. I did not choose this company they bought my loan. If I don't get resolve, I am reaching out to my Legislator & states Attorney General 's office. I reached out to the Ohio XXXX  and they advised that they sent the file. See emailXXXX  Hello, Thank you for reaching out. I do apologize that theyre saying that we have not sent anything. I can assure you that we have, and they have assigned them all to go to one person directly so the customer service team or other loan officers will not have any knowledge of what we send unfortunately since the bank has assigned this individual. They do have to approve before any funds can be released. They are not using a 3rd party for XXXX  issues as the person assigned is an employee in the bank itself. 

Thank you, For your protection, please do not respond to this email message with attachments or information that includes personal confidential information. 

XXXX XXXX / XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone XXXX XXXX
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-04
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. (FL)

On XXXX i sent equifax a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Equifax is under violation under 15 USC 1681
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I am writing because I have a problem arising from a debt not owed by myself to XXXX XXXX which is their error ( admitted by the XXXX company ) and is being handled by LVNV Nevada debt buyers.

I have previously disputed information both against LVNV and XXXX XXXX and the accounts were removed from the top 3 CRA 's database. Recently they have reinserted the account illegally and have begun their harassment anew.

XXXX XXXX knows that the account is an error on their end and have told me that despite this they can not adjust it as they do not have access to the system. they were supposed to contact LVNV about the error. I seem to be getting the run around here. One company knows the error of the debt is not accurate and the other is trying to collect upon it regardless.

As stated, I have previously won a dispute against both XXXX XXXX and LVNV and both accounts were placed back into my consumer credit files with the top 3 bureaus.

I feel I am not being helped along and no effort is being taken to correct the issue other than being given lip service about how sorry they are that I am in the middle of this matter. I am seeking assistance with the CFPB in this matter.