davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter and stated below if you can not produce these items, you must delete them. 
2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

I demand immediate blocks and future blocks from all these items that are on the FTC affidavit XXXX XXXX XXXX accnt # XXXX XXXX XXXX  XXXX accnt # XXXX XXXX XXXX XXXX XXXX all fraud account and inquries
Consumer complaint received 2021-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (LA)

I have been reaching out to Ocwen/PHH mortgage company since XX/XX/XXXX for a lien release on the property located at XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage on this property was settled in XXXX through a loan modification and a cancellation of debt issued by Ocwen through the provision of a 1099, which is attached. I contacted the company and was assured that the mortgage was settled with them and that I didn't owe them any more money. I have had absolutely no communications from Ocwen since XXXX concerning this mortgage since the provision of the 1099. 

I began to attempt to sell this property in XXXX. I found a prospective buyer and entered into a sales contract with a settlement date of XX/XX/XXXX. On XX/XX/XXXX, the title company contacted me to notify me that Ocwen still had a lien on the property, that I needed to provide proof that the lien was satisfied through obtaining and providing a lien release. I proceeded to contact Ocwen that same day, which is now affiliated with PHH Mortgage Company, to obtain a lien release. One of their escalation managers, XXXX XXXX, assured me that he would be getting back to me within 3-5 business days. He never got back to me. I then contacted another escalation manager, whose last name was XXXX. He sent my Ocwen account number to the Lien Release department along with the 1099 showing the cancellation of the debt. I received an email indicating that this information had been provided to the Lien Release Department. My realtor than asked for and received an extension on the settlement date to XX/XX/XXXX to provide more time to receive the lien release and to preserve the sales contract. 

Around XX/XX/XXXX, the title company representative, Ms. XXXX XXXX, and I then began to reach out to the Lien Release department on a daily basis asking when we would receive the lien release, informing them all the while that we needed it as soon as possible to proceed with the sale of the property. Ms. XXXX even informed the Lien Release department that XXXX XXXX, the title company that she worked for, would file the lien release. After another week of sending emails to check on the status of the XXXX release around XX/XX/XXXX, another Ocwen/PHH escalation manager, last name XXXX, told Ms. XXXX that the lien release could not be issued for another 30-45 days without providing any other reason than that it would take that long for the Lien Release Department to process it .

As of this date, I still don't have the lien release on a mortgage account that should have been closed out in XXXX with the cancellation of debt. Ms. XXXX informed me that the mortgage company is legally required to issue the lien release within 45 days of closeout of the mortgage account. I will lose the deal to sell my house because of Ocwen's/PHH 's failure to issue a duly-owed lien release on the property in even a remotely timely fashion.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for a credit card. 

The bank never sent me the card. The bank wouldnt let me set up an account online to view my transactions or make payments without a physical card. 

The bank then said my card had a balance but couldnt provide details on purchases because I hadnt received my card and couldnt confirm my account. Furthermore the bank continued to try and correspond with me via mail when they were having issues sending mail to me. I confirmed my address with them and Meanwhile I have a bill due with them. 

I opened a fraud claim but it was only opened for one of the purchases. When my they tried to correct this, they had issues and said Id have to call back another day to open a dispute for the other purchases. 

Nightmare.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (TX)

Experian has allowed / authorized credit inquiries I didnt sign applications for. These inquiries arent authorized and I want these disputed. The following inquiries are showing on my Experian profile along with an address I never lived at. 

Address invalid : XXXX XXXX XXXX XXXX TX XXXX Inquiries unauthorized that I did not sign any applications for. : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX/ XXXX XX/XX/2021 XXXX/ XXXX XX/XX/2021
Consumer complaint received 2017-04-18
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

Dear Sir, I purchased several  XXXX  giftcards and   XXXX   giftcards from  XXXX  on   XXXX   in  XXXX  and  XXXX  and recently I found that the cards carry balances o f Zero ( 0 ). I  have never used the cards myself for any purchases. As I made a google search I found that   XXXX    system was hacked in  XXXX  and my card information was stolen, same as many of the others. I have never gotten any information from ether  XXXX  or paypal about the system hacked. Clearly they tried to hide the information from the customers. I tried to contact   XXXX   but I was ignored. I filed complaints on  XXXX  website but the cases were closed since the purchase dates are more than 180 days. So I need your help to get the money back and let many of the others know about  XXXX  and paypal 's problem.     Here is the purchase information  : 1. {$ 75.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,   XXXX   item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number  XXXX  pin  XXXX . The card has a balance of {$2.00} when I used it.      XXXX   XXXX  of {$100.00}  XXXX  gift cards, purchased on   XXXX  ,  XXXX  item id :  XXXX  transaction id  XXXX  card number  XXXX  pin  XXXX  and  XXXX  pin  XXXX   XXXX . {$150.00}  XXXX  goftcard, purchased on  XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  goftcard, purchased on  X/X/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX  Thank you very much for your help,
Consumer complaint received 2021-09-09
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)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

A debt from   XXXX   XXXX   {$800.00} original creditor  XXXX  ... was removed off my report and placed back on  in 2014. T his debt is past the statue of limitations and over  XXXX   XXXX   XXXX . Experian did an investigation last year and did nothing. The original default date is incorrect, but it sh ows 2014. E xperian refuses to investigate again and will not let me dispute this inaccurate information.
Consumer complaint received 2023-03-24
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)

This is my fourth endeavor to tell you 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

We had an auto lease with Chase that has already ended. We returned the car and we were already expecting a bill which was related end of the lease fees. We had no problems with the bill since those were valid charges. The problem is : we received a letter ( from Chase ) in our mailbox on XX/XX/XXXX ( which was a Sat ). The letter dated XX/XX/XXXX. The letter stated that we could chose a payment plan, which I did when I immediately called their collections department on Mon XX/XX/XXXX. I made a payment of {$180.00} ( reference number XXXX on XX/XX/XXXX ) and I agreed to pay the other two payments on XX/XX/XXXX and XX/XX/XXXX. A week later, after agreeing on a payment plan, they call me on my cell phone saying that there was a balance due immediately. I questioned the representative asking if my account was notated, showing that I had selected to pay the balance in 3 installments ( one of them already charged ). they representative said yes. So I asked her to notate my account and not call me again since I would honor the terms of the payment plan. We are not even at the end of XX/XX/XXXX yet and I have already received another letter from Chase saying that a balance of {$370.00} id past due and that I have to send a payment and that they HAVE NOT RECEIVED THE PAYMENT YET ( which is false ). If they offer a payment plan they should not be harassing their customers with letters and phone calls requesting payment.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XXXX ) to Weds ( XXXX ).
Consumer complaint received 2017-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

An account that was designated for my retirement located at the company named XXXX changed addresses and I was never notified, and then on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX JP Morgan Chase bank cashed forged checks in amount of {$5000.00}, {$5000.00}, {$10000.00} and {$10000.00} respectively. Each of these checks were never authorized by myself and were deposited to an account not opened by myself. I was never aware or designated the funds to be disbursed from this account. I was not notified of these disbursements until federal and state penalties were incurred through the IRS when my tax preparation occurred. 

My identity was stolen and these transactions were based on fraudulent terms.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX - Present. Experian stated that according to there report summary they only verified XXXX, XXXX and XX/XX/XXXX. But According to the Report summary on XX/XX/XXXX Report Number XXXX the XXXX  XXXX XXXX account was Unverified and was Deleted. Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ID)

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. Details of the unauthorized inquiry are as follows : 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 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 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 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 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 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 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  I have not applied for any credit or services with the mentioned creditor on the stated date , and I believe this inquiry was made without my consent . As a result, I request that this unauthorized inquiry be promptly investigated and removed from my credit report to ensure the accuracy of my credit information.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report. There is even  NR ( X ) not  reporting on the months of the accounts that further prove these accounts are not verified. They  need to delete  these account immediately.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (TX)

i called them and even though my car is 100 % paid off they claim because I am in XXXX XXXX bankruptcy they wont release the title till the end of my bankruptcy which is XXXX years from now. i dont think i should have to wait till then when the loan has been completed.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP (WV)

Received a new credit card that I did not request. I received the card on XX/XX/2019. The card was sent from Keybank Card Ops - XXXX XXXX XXXX, XXXX, Ohio, XXXX. On XX/XX/2019 I sent Key Bank an email asking why I received the card. They responded by requesting account information that I did not supply. I am concerned that this is a scam since I did not request the card. I sent a follow-up email on XX/XX/2019 stating that their bank sent me a credit card that I did not request. Isn't that against the law? I received a call from " the bank '' on XX/XX/2019. I was not at home. They left a message. On XX/XX/2019 I called the bank and spoke to a representative. Of course that requested my account info. I refused. Asked if they could look up my account utilizing my full name and address. She said they could not ... which I find hard to believe. I would just like to know why they sent me the card. 

Thank you.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (MD)

There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX  several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.