davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: JPMORGAN CHASE & CO. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite FOUR written requests. Experian has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts the post on a credit report.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed above, they failed to positively verify these accounts has hurt my ability to obtain credit. 

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? 
They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2022-04-03
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  # XXXX has violated my rights. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NY)

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

BMO Harris Financial with XXXX XXXX XXXX have failed to release funds from a IRA inheritance account ( Deceased mother who I'm a beneficiary to that account ). They were able to provided funds to other siblings, but refuse to issue my funds. Total amount is around {$16000.00}. They told me it is invested and will not release. Contact people are XXXX XXXX and XXXX XXXX from BMO and XXXX. I have been emailing both parties and talking to them since XXXX XXXX and signed all paper work that was required. They keep on delaying funds. I believe its a scheme to defraud me.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.
Consumer complaint received 2019-06-10
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. (GA)

My name is XXXX XXXX XXXX. I have previously provided each of my creditors and each of the three Credit Bureaus, Equifax, XXXX  and XXXX XXXX with certified legal documents from the Superior Court of Jurisdiction validating the name, the legal spelling and hyphenated middle names. 

Each of the three credit bureaus continue to list my name incorrectly. I want my name listed accurately and correctly on my credit reports. 

XXXX XXXX XXXX.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (GA)

A collection was added to all three of my credit files through Kimball, Tirey and St. John for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXXXXXX '' in XX/XX/2018. This lease was in XXXX County,  California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX County California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves NOTE! I have also already submitted a complaint against the three bureaus for the reporting of this item. I will also file a complaint against XXXX XXXX XXXX XXXX..the client of this law firm.
Consumer complaint received 2019-06-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

Hello, in XX/XX/2011 I applied for a HELOC loan through TD Bank. When I submitted my application TD Bank said I was declined for the HELOC because my debt to income ratios were too high. I said okay and that I understood. A day or two passed and the loan representative I was dealing with called me back and asked me if I paid all of my debts through a business checking account. I told him I did and then he asked if I paid my first mortgage loan, property taxes, and insurance through my business checking account. I told him I did and then he told me that TD will omit all of those debts and approve me for the HELOC. I am currently 5 months behind on that payment and being warned that they are going to foreclose on my home. I wish I never opened that HELOC and was wondering if I have a case against TD Bank for omitting all of my debts including my 1st mortgage so they can qualify me. 
Please advise. 
Sincerely, XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (NY)

I knew about this debt when I went to XXXX XXXX XXXX and the financial counselor find the debt in my credit report ; I sent the validation letter ending of XXXX, XXXX and I never got response, then I sent a XXXX letter in XX/XX/XXXX certified mail explaining to the collection company Fox Collection Center and the original creditor XXXX XXXX XXXX that this is an error and I don't recognize the debt of {$1300.00}. 

I have not received a response from the collection company until now. However, I received a piece of paper from XXXX XXXX XXXX with some of the debt information, but the list of the documentation supporting that this debt belongs to me was not provided ; such as the contract where appears my signature, the last statement, or any evidence that proofs that this debt is mine. The paper I got doesn't have my address where the service is linked and no information or address about the company or person to reach out to resolve the problem, neither the clarification if the debt was sold or the collection is working in behalf of them. According to the XXXX XXXX paper provided the debt happened between years XXXX and XXXX. It is importance to mention that the company is located in XXXX XXXX XXXX XXXX, XXXX, TN XXXX and I am living in XXXX since XXXX and I have my tax returns that prove the place I have reside, so it is impossible to receive a service in a city I was not living. 

In addition, I receive the electric services from XXXX since XXXX to this day and I am current with my utility bills. Previous to that I was paying the rent including utility bills all together and I didn't have any pending debt for that concept. 

I have tried to contact XXXX XXXX XXXX with my financial counselor by phone XXXX ( XXXX ) XXXX to verify if they offer services in XXXX and call was unsuccessfully because they have a machine and I couldn't get a human being to talk. 

I had already disputed this debt to the credit bureaus, but the collections/creditor has verified the debt to them ; therefore I am exhausting all my options to dispute and remove this debt from my credit report. This is something that is hurting my financial ability and I want a clear response to resolve this issue, because I want to prevent or resolve any possible ID theft issue.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Caliber home loans canceled my trial modification, because they said that I did not send in my final payment, or that I may have sent it to the regular payment address. I sent the final payment to the same address I had sent my previous payments. They had failed to process a previous trial payment, until I called, complaint & and made a payment over the phone w an agent.The  following month, the month of the final payment mentioned above, they again, did not process the payment & said it was not received. I have appealed the trial modification cancellation, and even resubmitted a modification package. However, I have received no reply, no reply to my request for an appeal - Caliber went on to immediately transfer my account to an attorney for foreclosure and immediately gave me a sale date. They also failed to properly and timely advise me of the sale date.
Consumer complaint received 2023-02-22
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)

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. 
This is not making any sense. 

Account : XXXX XXXX XXXX Date Open : XX/XX/2022 According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (IL)

XX/XX/XXXX I paid the National Credit Systems Inc. {$180.00} on the behalf of XXXX XXXX XXXX XXXX. As of XXXX XXXX the debt is showing in collections on my XXXX credit report. I've called National Credit Systems Inc. multiple times to have this debt /collection removed from report as agreed in XXXX, but they've denied my request and continue to dismiss me. 

Note : this debt was removed from my credit report in XXXX of XXXX, but reappeared this year.
Consumer complaint received 2021-05-05
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: BBVA FINANCIAL CORPORATION (AL)

I financed a new vehicle in XXXX of 2021 through the dealer where BBVA underwrote and issued the loan to purchase the car. A BBVA Compass bill arrived in early XXXX for a normal payment of {$560.00} due on XX/XX/2021. The payoff quoted on that bill was {$36000.00}. I set up a payment from my bank XXXX XXXX XXXX to arrive on XX/XX/2021 for the full payoff amount : {$36000.00}. It arrived at XXXX on this date. XXXX did not " cash '' the check until the XX/XX/2021. XXXX then " returned '' the check on XX/XX/2021 for an undisclosed reason ( there were more than enough funds to satisfy the check ). On XX/XX/2021, I called XXXX to see what the issue was, and they stated that the payoff was not enough, so they did not honor the check. On XX/XX/2021, XXXX has called me attempting to " collect '' the outstanding payment for amounts owed from?????. There are no amounts owed according to the contract in place and the title is not being released. I am concerned that this will negatively affect my credit as they state I have a payment that is past due when the loan was paid in full Before the due date.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

DEBT RECOVERY SOLUTIONS has reported a debt of {$4000.00} for a company called XXXX XXXX XXXX  that I have never done business with. I filed a dispute with XXXX and XXXX and they informed me that they confirmed the debt as valid. I have submitted a validation request via email and have received no response.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$470.00} which is detrimental to my credit status, inaccurate and untrue.
Consumer complaint received 2021-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is I needed the most at the moment. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-02-12
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: ALLY FINANCIAL INC. (SC)

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I opened claim with my bank about unauthorized endorsement or alteration to the check. I wrote a check on XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX  for the amount of {$1900.00}, end of the XXXX the check was cashed out to different payee and different amount ( {$9900.00} ) End of XXXX I travel out of the country with my kids and I returned middle of the XXXX. My billing cycle was about XX/XX/XXXX. I did not see this transaction until I came back home, I got notice from XXXX XXXX. that my bill is unpaid. I contacted my bank twice a week or so, everybody was telling me that can't say anything, I will get my money back soon. On XX/XX/XXXX, I called again and one of agent I spoke to (. hard to remember their names ) told me that my case is closed and I will not get my money back, this lady was very unpleasant, I asked her what can I do more, she said " you have no more options ''. I said thank you and disconnected phone call. I called again in few hours to ask for the reason of denying my claim, I and my husband spoke to another lady - she told us that we did not fit in the time frame - she told us that we supposed to reported it to the bank in 65 days from billing cycle, so I counted and told her that we fit, she was speechless for 30 seconds and disconnected the call and never call me back, so I called again ( this time I recorded all conversation ) I spoke to somebody who wasn't sure about how many days I had to reported the scam but he said something about 30-35 days, I asked for superviser, on the beginning he did not want to connect me to, but after couple time we asked for manager he transfer us. We spoke with manager / vice manager, he wasn't sure too what is the time frame for reporting this, I found that each bank can but doesn't have to do anything. If I wanted to open account I was told that bank has insurance and I do not have to worry about my money. Now bank deposited check that was visibly altered. I reported everything to XXXX, I spoke to Detective who said that check should never be deposited. Bank has no responsibility for depositing/ cashing " bad check ", but seeing alterations on big check bank should contact me or just block transactions. Now I lost a lot of money, and people in banks don't do anything. Bank even didn't want to tell me where my check was deposited.
Consumer complaint received 2022-03-22
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. (AZ)

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : $ XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.