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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; 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 2021-11-30
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. (PA)

I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.
Consumer complaint received 2023-01-31
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: Advantage Credit, Inc. (FL)

On XX/XX/2023 a copy of my consumer report was obtained under false pretenses by Advantage Credit Inc whom I did not grant permissible purpose, nor consent and such action is deem unauthorized by me the consumer. 

Advantages Credit Inc has subsequently shared my private consumer financial credit information with a third party ( XXXX ) after obtaining my consumer file under false pretenses. 

No extension of credit or firm offer or insurance has been provided to me as consumer nor appropriate evidence that granted Advantage Credit Inc with my express written consent and permissible purpose to obtain my consumer report.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2017 I got an email that a payment had been posted to my Capital One account. in the amount of {$3000.00} was posted to my account. I did not make this payment. I called Capital one and told them I did not make this payment but they could not tell me who did because of privacy issues. Well three days later the payment was returned due to fake account. They told me my account was probably hacked and they were going to use card after payment cleared. They said they were going to mail me a new card. Instead I got a letter they closed my account. I had always made payments on time. They did no investigating to see who did this and would not give me any information to do it myself. Instead they just closed my account and I got a dereogatory mark on my credit score. I told them this wasnt my fault but they did not care
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I received a phone call from, +XXXX ( XXXX ) XXXX today saying I had a past debt from 2001 in the amount {$1000.00} and the creditor would like to settle now over the phone right now in the amount of {$520.00}. They read back my full social security number and knew my name. I called so called creditor, They said was HSBC bank and they have no record of me on file.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (GA)

I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.
Consumer complaint received 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I am trying to find out what my payment will be in XXXX when student loans go into repayment. On XX/XX/XXXX I checked my account and could not find this information so I sent an email to my loan servicer asking how much my payment would be. Fedloan Servicing sent a confirmation email that they received my email, however, I did not receive a response to my question. 

On XX/XX/XXXX I called my loan servicer to ask what my payment would be. I stayed on the phone for approximately XXXX minutes and no customer service representative took my call. I selected the option to receive a call back. They never called me back. 

I have now sent an additional email on XX/XX/XXXX again asking for what my payment will be in XX/XX/XXXX. Again Fedloan Servicing sent an email confirming the receipt of my email, but still not response.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

I had asked for the CFPB help me in gathering supporting documents from CKS PRIME INVESTMENTS of this alleged debt. I haven't received any documents from this company only letters from the XXXX credit bureaus ( XXXX, XXXX and XXXX ) stating that this account was verified. How can CKS PRIME INVESTMENTS and the credit bureaus verify not validate this alleged debt when. This company ( CKS PRIME INVESTMENTS ) has another company ( XXXX ) attempting to collect this alleged debt on their behalf. I received a letter by mail state such action on XX/XX/2021.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was offered a forbearance in 2020 because of covid.This was XXXX 2020. XXXX agreed to put the amount at the end of the loan if i made themXXXX payments.on XXXX [ XX/XX/XXXX. 
I did that. they then transferred my account to shellpoint, who demanded all amounts, over XXXX. 
i did not have that. They then said i must modify. and subsequently refused to do so.
Consumer complaint received 2021-11-04
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: CBC Companies, Inc. (VA)

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX, P.A Attorneys and Counselors at Law continued to contact me after I have already notified them that I do not owe the ANY alleged debts and I have sent them a Notarized Cease and Desist repeatedly. 

Date : XX/XX/2021 Amount : {$34000.00}
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

In XX/XX/XXXX, I began to receive notifications for a bill from USAA, who had previously provided me with renter 's and auto insurance. USAA had made the decision on XX/XX/XXXX to cancel my policy for non-payment. 

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. The debt owed to USAA was included in this bankruptcy. The bankruptcy was discharged on or about XX/XX/XXXX. However, USAA continues to attempt to collect this debt and alleges now that I have even enrolled in a separate policy. 

I have sent letters and several messages to dispute the debt ; demanded USAA cease and desist collection efforts ; provided three copies of my order of discharge ; and have spoken with a representative on the phone -- who verbally promised on XX/XX/XXXX to clear the debt but now refuses to honor the bankruptcy discharge. 

As of today, XX/XX/XXXX, it is my understanding that USAA will attempt to send this debt to collections.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (AZ)

I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX. 

Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account. 

However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation. 

Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX  XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX  XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau. 

Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Have attempted to dispute by mail asking them to remove XXXX inaccurate addresses XXXX which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- WRONG APT NUMBER should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- NO APT NUMBER LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate
Consumer complaint received 2022-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (DC)

Due to XXXX, I entered into a 360 day forbearance plan. The plan ended XXXX. I called USBank Home Mortgage in XXXX of XXXX to initiate a loan modification. My options were provided to me prior to the end of my forbearance plan. 

The representative advised me that my application had been submitted. I received documents weeks later stating that I was under a different loan modification than requested. I called back to US Bank to advise them of what had happened. I was told to submit an email stating that I had been placed under the wrong plan and to remove me from the plan. I was told that it could take up to 30 days for the request to be completed. In XXXX, I received a letter stating that my loan modification request had been cancelled. I called US Bank in XXXX to be placed on the correct plan. 

I called back two weeks later to find the status. After speaking with three reps, I was finally transferred to a white male who stated I had not been placed on a plan, but that he could submit my request. He then stated that he had submitted my request and that I would receive documents in the mail. In XXXX, I received a supplemental application for my loan modification request. I was a bit confused, because this was not the case before. I called and spoke with a representative who initially had no access to any of the information I was mentioning. Finally, she told me she was able to see what I had been stating after digging a little more. She told me that once I submitted the supplemental application, that would be the last step in the application process. I did what she stated and emailed the documents by the XX/XX/XXXX deadline. I received a confirmation email from the automated system saying my documents had been received. 

I was told that it could take up to 30 days to process, but to be prepared to make my XXXX mortgage payment. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my application had been cancelled at my request. 

This was completely untrue and took me by surprise. How is it that only two days after emailing my supplemental loan modification application I would receive a notice of cancellation. From what I was told before, an email had to be sent to initiate such requests. 

I called US Bank Mortgage today, XX/XX/XXXX to find out the circumstance. I was told that my request had been cancelled based on my request being placed under review on a retention template ... .under their Business as usual method.. 

I am now four months pass the date of my forbearance ending. I'm still not under a plan. I was offered an interest rate of 3.125 % on XXXX XXXX and now the interest rate has increased to 3.5 %. 

I need help because I feel that my mortgage company dropped the ball and don't want to accept responsibility, rather penalize me for their mistakes. 

Best,
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was served by the court in XXXX of XXXX for a debt that Portfolio Recovery services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was XXXX XXXX. Portfolio only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of XXXX in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from Portfolio says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (PA)

I never signed up for a Bluebird prepaid card and received one in the mail with my name on it. I don't see it on my credit report, but did not sign up to receive one.