davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
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. (OH)

My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( 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
Consumer complaint received 2020-02-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LCS FINANCIAL SERVICES CORPORATION (OR)

During the months of XXXX XXXX. We received a letter from LCS Financial sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced LCS Financial was collecting the debt for XXXX XXXXe company who was listed as the servicer for the loan. 
Since LCS couldn't provide any documentation that actually provided that XXXX XXXX was the actual servicer of the second mortgage loan, I ask for additional information from LCS. 

On XX/XX/XXXX I received an email from LCS and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from LCS. 
I kept requesting and no information was provided by LCS. 

On XX/XX/XXXX, I received a demand letter from LCS and they continued to reference XXXX XXXX as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to XXXX XXXX which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by XXXX XXXX.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX asking me and LCS Financial, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, XXXX XXXX   was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.
Consumer complaint received 2020-09-21
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. (FL)

i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that XXXX and Experian both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new account??
Consumer complaint received 2020-02-21
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. (OH)

I have several hard inquiries on my report that should not be on there. I previously sent information regarding Identity theft and these inquiries are a part of that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX is reporting a debt that is a result of fraud. I have made the original creditor as well as the collection agency aware of this fact. I also took the necessary steps to file an identity theft report with the FTC and forwarded to all 3 bureaus and the account holder. Yet they continue to report this negative and harmful item on my credit report. the balance, status, and payment history is inaccurate and I'm not responsible for paying a debt amount I did not add or owe. They have not updated my account properly and I'm to the point where I don't know what else to do to clear this up. i know it's a violation of the FCRA to report any information that is inaccurate, incomplete, or unverifiable. This account is all of above. the only thing they can prove is that someone assumed my identity to open this account and forged my name on whatever contract that was formed
Consumer complaint received 2018-07-19
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (MI)

I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed
Consumer complaint received 2020-05-06
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. (TX)

On my TransUnion credit report it is showing 2 addresses that are not mine, I have never lived there and dont know anyone who has lived there. I was looking on my TransUnion credit report and it seems like my identity was stolen and used for these rental properties under my name. Also theres another persons name that is tied to my credit report too XXXX XXXX and I dont know a XXXX XXXX. Ive been trying to get a hold of transunion but cant at this time.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I use XXXX to obtain my credit reports. For the last three years ( since about XX/XX/2017 ), Experian has refused to provide my credit report online. Each attempt results in the following error : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form.

XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been able to obtain my XXXX   and XXXX reports without any problems. 


XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

Hello, While traveling abroad in XXXX I inadvertently purchased a service from a merchant who delivered a fraudulent visa approval letter for XXXX. I notified chase both online, phone, and in writing and included supporting information. The low caliber personal who reviewed my claim dismissed it as invalid, even though I showed evidence I purchased the exact same visa, on the same day, from two different merchants. In any case, Chase is insisting the debt is valid even though the visa approval letter was rejected at the airport and the service was fraudulent. 

Very Best, XXXX Relevant Details Chase Bank - Chase Sapphire Reserve Account Number XXXX Claim Number : XXXX Merchant Name : XXXX XXXX  Charge {$250.00} Date XX/XX/XXXX20
Consumer complaint received 2020-05-06
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. (FL)

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Recovery Services, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-05-06
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. (WI)

XXXX and Transunion should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NJ)

CMRE FINANCIAL, XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Has sent me collections notices in the amount of XXXX the collection has been reported as past due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature on it.
Consumer complaint received 2020-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Addendum to COMPLAINT ID XXXX This complaint is NOT CLOSED!!! 

Dear CFPB, Why is Caliber Home Loans attempting to assess interest on a Covid 19 related forbearance? See their addendum. In fact, I want to get away from the shady practices of Caliber Home Loans and would like do a refi with another company and Caliber has taken my {$410000.00} principal and added XXXX in accrued interest that came from the Covid 19 forebearance period for the total buyout. Under the Cares Act it clearly states that no interest will be assessed during forbearance of mortgages related to Covid 19 circumstances. I have noticed that Caliber Home Loans has a total of 1,146 complaints in your data base from mortgage customers, this is a substantial amount of complaints ; can you please audit their systemic issues ASAP. Also, please find out if you have other complaints from XXXX XXXX theatre serving USA military veterans. Regards, XXXX XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

When we moved to Texas in 2012 we purchased a vehicle for personal use. Due to my wifes credit score I co-signed as the primary signee but was charged a much higher interest rate at about 18 %. We paid on time for about 4 years until my wife became ill with XXXX XXXX. We contacted the company and made an agreement a couple of times but still had financial issues. Finally we asked the company if we could pay a reasonable amount and settle and they agreed not only to close the account but delete the negative from my credit report. So far the negative has not been deleted per the agreement. Unfortunately I took them at their word and they were untruthful. I just want this removed because this is the only negative on my credit. Im not saying we were never late but we made every effort to resolve this in good faith and they got every dollar and plus interest this car was worth. Please help me with this. XXXX Bless!
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with NATLCRSYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$9200.00}
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IA)

I had an account with XXXX for internet im on disibility my payee paid all my bills i canceled my service returned equipment and switched back to XXXX XXXX XXXX  continued to charge me for service after i canceled when they was paid for the month i canceled so was actually overpaid this account was purchased by lvnv llc and placed through resurgent collection agency and put on my credit reports i called resurgent and disputed it and they told me that all i could do is pay it or they will continue to report it every month to the credit agencys as new acct and will never be removed i contacted lvnv and never got response i contacted XXXX they located my acct but said they couldnt have it removed because it was sold to lvnv advised me to dispute it and contact resurgent again and request they call XXXX  to validate the account is owed i called they refused said XXXX would have no report of my account even though they do and again told me until i pay they will continue to report me everymonth and this will never be resolved until i pay even though i dont owe the money
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

On Friday XX/XX/2020 my wife and I purchased a new vehicle. The car dealership ran a credit report through Equifax. I cosigned on my wife 's preapproved loan. After they tan my credit somehow Equifax dropped my credit score 116 points in a matter or minutes. It went from XXXX to XXXX. When I pulled my credit report to see what happened, it is showing 32 changes made and closed 23 of my accounts. They closed my entire credit history including active home equity loans, open credit accounts and my entire life of working hard to keep good credit. Of course equifax was closed when I found this information out on Friday. I called today Monday XX/XX/2020. I spoke to XXXX from Equifax, she was unable to help be because there is no information on equifax to verify my identity. I dont know what to do. The other reporting agency 's have all of my accounts- all 25 of them. My credit score with XXXX is correct. I dont understand how a credit agency can wipe out my credit life in the click of a button and I am unable to fight them on their mistake. Can someone please help me. XXXX and XXXX are showing everything still, equifax is the only one that deleted all of my accounts. And since I was part of the data breach from equifax I am really concerned this is a fraud attempt. Equifax wont help and they hung up on me.
Consumer complaint received 2023-02-22
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX** Account Name : XXXX Account Number:XXXX**** has violated my rights. Or list of inquiries 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 2017-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

Hello! 

I was making a purchase for a tool for the amount of {$530.00} with shipping included that was advertised on XXXX  app, agreeing with the seller to pay after he sent the tool, he sent me a copy of the receipt from UPS which turned out to be photoshopped. I called the UPS store and they never received any package from them. I have the copy of the email. 
I used the Chase app to send the money ( which turns out its their third-party service XXXX ) XXXX 
After finding out quickly that it was a scam I contacted Chase and spoke with the Fraud Department and with many supervisors which dismissed me and denied to help, the point is they all said that it is very common to have customers call about scams and fraud with their money transfer service, but theres not really anything being to done to prevent it, I asked to get a refund since its a service they offer through the Chase app, but they said to talk to the scammer or XXXX, well XXXX said that if I used the Chase app and not theirs, Chase are the ones responsible. 

I reported the issue with the police, XXXX, XXXX and Chase.

Chase are the only ones that can help by issuing a courtesy refund, and I, of course will NEVER use their money transfer service again.