davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (MO)

XXXXm the victim Of the fraud, I would like to remove this collection because im not owner Of this debt, I tryed to contact the company and they refuse to solve my problem, {$1500.00} is amount and debt collector is absolute resolutions- with XXXX XXXX.I teied to dispute it many times
Consumer complaint received 2021-06-09
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I called Chase to determine why my credit card limit was reduced from {$3500.00} to {$2000.00}. Over the previous two months ( XXXX and XXXX ), I paid {$1500.00} to chase and was working on paying down my card balance. I believe that Chase lowered my credit line as a predatory practice as it people, including myself, were receiving stimulus checks due to Covid. I find it appalling that during a time when electric companies were waving fees, mortgage companies were waiving fees, insurance companies were sending out refunds and people were losing their jobs- Chase decided to lower my credit limit. On top of that, when I called to address the issue stating that I had the card for a while and had been increasing my payments the previous two months by paying {$300.00} and {$500.00} dollars every two weeks, they lowered my credit line. The Chase official told me there was nothing that they could do. I then received notice of a hard inquiry on my credit report that lowered my credit score at a time where I was building my credit and amidst a pandemic. I believe these predatory practices by chase are widespread and should be addressed. Id like to have the hard inquiry taken off of my credit report as chase lowered my credit line at a time where i lowered my balance from XXXX to XXXX. Chase in return lowered my line of credit to XXXX as soon as I had paid it down and simultaneously when my stimulus check was issued.

Thank you, XXXX
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I've been noticing the last two and a half years that my escrow is a negative and I just started ever since Corona and I lost my job I've been able to analyze my escrow and I've been putting in a couple complaints with the escrow department through SPS for them to check my escrow four different times and they keep sending me letters back stating that they've checked it everything 's good but I have found several mistakes in the last two and a half years actually I called them a couple months ago and they just had to readjust for my insurance premiums so if you could call me at XXXX and I can explain further and show you an email you copies of the information I have gather through my escrow analysis of the mistakes that I see and I also have caught them paying my taxes more than twice a year and also the amount that is paid every year they have over it and never given me the credit back
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (MD)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00}
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MARINER FINANCE, LLC (IL)

I purchased a vehicle from city limit motors in XXXX Illinois on XX/XX/XXXX. The dealer informed me that the XXXX XXXX I purchased was a XXXX submodel. Which does not exist. He had me drive the XXXX to personal finance company, where he met me with the contract. He spoke to the staff there for me. I tried to back out of the loan twice because the interest was high. He swindled me by telling me that I could refinance the vehicle in a year or so after the payments improved my credit score. He failed to mention that you can not refinance a vehicle that is over ten years old. He acted as a liason to me and the loan company until I signed the contract. I felt obligated since drove the XXXX there and having my ride leave from the dealership. 

In XXXX personal finance lied to my insurance company when the vehicle was stolen. They claimed that thw contract stated interest is to be precalculated. The contract clearly states I pay monthly installments with no penalty for paying off early. My insurance cut a check for more than {$11000.00}. But it did not cover the interest. I was left with a balance of around XXXX that has compiled interest and is now around XXXX.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

they told me I could not have access to my funds, although i had the debit card in my possession, obviously the perps are close by to me because they came to me and stole pin while I wasn't looking. 

I called and they asked me to verify my identity and asked for a copy of my drivers license which I submitted, they claimed they didn't receive it but I noticed that they were using it and did not give me my XXXX I am still waiting for a check for XXXX from them.
Consumer complaint received 2022-04-30
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and bill. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm asking for your help to resolve this issue. Thanks again
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (MN)

The following credit card accounts listed on my Experian credit report was reported lost/stolen : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit cards was reported as lost/stolen.
Consumer complaint received 2024-02-05
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

I am receiving telephone calls of harassment, annoyance, obscene and profane language and threats of harm, violence and death from LVNV Funding/ResurgenXXXX XXXX XXXX XXXX XXXX in regards to a fraudulent XXXX XXXX personal loan account ending in XXXX for {$5600.00} that is the result of identity theft. The XXXX XXXX Personal loan account is a fraudulent account and is the result of identity theft. Resurgent Capital Services has violated and is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2022-04-30
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. (GA)

I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated
Consumer complaint received 2021-06-09
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (IL)

In XX/XX/2021, I filed disputes for transactions in my account that I didn't authorize that happened on my debit card as well as a check that was written on my account and for filing the dispute the closed my account never refunded my transactions and now I can't even access my bank statements I had with them. I had the XXXX XXXX XXXX that was supposed to be deposited into this account and they rejected it as well.
Consumer complaint received 2020-07-11
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: EdFinancial Services (GA)

EdFinancial is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Please help. I am so frustrated that this continues to occur and Equifax/TrustedID indicates they can't help me. They refer me to call XXXX and XXXX tells me they sent my information to the fraud dept. I called three times to XXXX over time and a new rep told me to write XXXX in SD and request deletion of the items on my credit report. I did that in XX/XX/XXXX and still no change. I have two alerts on my credit report that are not mine. 

Both from XXXX XXXX, XXXX Box XXXX XXXX XXXX SD, business type " na '' and account status/type is " Consumer Disputes after Resolution ''. One on XX/XX/XXXX in the amount of {$2900.00} and one on XX/XX/XXXX in the amount of $ XXXX-neith of these are mine! Someone is trying to use my information and I can't get this off of my report. I ask for your assistance. PLEASE..I have/had outstanding credit for my entire life. I do not want this fraudulent activity reflected on my account.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-06-09
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renew Financial Holdings Inc (CA)

Good morning, I am writing to you following Public Counsel recommendations regarding a PACE loan. I have acquired a property through XXXX in XX/XX/2019, two days ago when receiving my property tax bill I was surprised by the amount over {$13000.00} for a {$460000.00} property, I called the assessors office, talked to the appraiser who had a hard time understanding the amount with me at first, when she actually saw it came from a special assessment from a company called CA First. That is when I discovered a PACE loan had been contracted by one of the previous owners I guess. Property was bank owned upon purchase. The PACE loan wasnt properly disclosed, escrow company sent me documents for signatures two days after COE date, I had contracted title insurance and so was sure that any liens affecting the property would be taken care of. Property was a complete fixer and no features stated on PACE loan are accurate on conditions, I had to remodel home myself. Loan amount was {$80000.00} and CA first is charging a scandalous interest rate of 8.29 %. I am not in contract with them, they wont even give me information since my name doesnt appear, yet I would like to pay my property taxes and I am put under duress to acquit myself of a {$8900.00} over what my actual property tax bill should be. Any contract under duress should be voided ... I would like to seek your help in this matter. 

Thank you very much Best Regards XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DRE # XXXX
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2021, I ordered what I thought was from XXXX off of social media. When I received the receipt from PaPal I instantly contacted them telling them that I thought it was a scam and disputed the transaction. They denied my dispute and did not bother giving me an explanation. On XX/XX/XXXX, I received an update that the item I ordered was shipped. A few days before that email notification from PayPal, I received a small envelope with the same tracking number. It was a small self-adhesive hook. It was not what I ordered. I have tried to contact Paypal and have had no response other than to tell me that the case was closed. I used PayPal because they say they have " customer protection and help in cases like these. This is false PayPal does not help it this matter or even bother reaching out with anything other than an automated response.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I had a XXXX Credit Card that was closed back on XX/XX/XXXX. Due to financial difficulty, I was not able to keep up with payments. Since then, XXXX  has charged it off, but keeps reporting it to the credit bureau at Failure to Pay. XX/XX/XXXX marked 7 years since it was closed and XXXX   is continuing to report it on my credit report. I made attempts to pay for removal of delinquency reported on my credit report. I also wrote letters to XXXX  and the credit bureaus to remove XXXX  from my credit report. This has affected my credit score tremendously and has hindered my ability to qualify for home loans for my family.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

My problem is with the company One Main Financial of XXXX, PA. I had fallen behind on payments this past XXXX, around XXXX or XX/XX/XXXX due to a temporary set back from illness. Someone named XXXX called & left messages on my cell, which I am fine with. However, he then, left a very detailed message on my work phone. This is a number & voicemail that my boss & co-workers have access to. The following day, he called again on my work number. I answered & told him that it was my work number and to not call it again. In the months that followed, I got caught up on my payments. 

However, a few weeks ago, I had a complication during a medical procedure & had to stay in the hospital for a few days. So I'm late again with my payment, which I full intend to get caught up on as my situation is temporary. Immediately, I began receiving the calls including, two more phone calls on my office phone, the number that they were told to NOT call, the most recent being today, XX/XX/XXXX.
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient services my federal student loans. During the payment pause they have been charging me late fees and interest and keep requiring me to make payments even though the payments are supposed to be on pause and no fees or interest charged. They have done this consistently throughout the student loan pause for COVID
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.