davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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)

A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and Equifax but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I received a copy of my credit report and am disputing some items that need to be deleted. I According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Consumer complaint received 2022-07-04
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (OH)

I applied for a locked 3.29 % fixed rate 30year cheloc in PNC bank with XXXX XXXX and XXXX XXXX on XX/XX//2021, but when I review our current application files, I found XXXX changed the initial application into the current one with 3.75 % variable rate 40year heloc without notifying me in advance. 4 other PNC bankers told me I can start my initial application in the beginning. But XXXX insisted on proceeding, then send a lock request after the current variable heloc is approved. By his way, in my experience I will be very passive in the end and most probably I can't get 3.29 % fixed rate 30 year heloc. I don't like his way
Consumer complaint received 2021-09-07
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. (TN)

I did not authorize several of the items on my credit report. A list of such inquiries has been included to a Federal Trade Commission FTC report. It's a difficult time, and these phony accounts are making it even more difficult.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (IL)

Hi I am Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are. 

1.Company Name : EOS CCA Account Number:XXXX Original company : XXXX Debt amount : XXXX 2.Company Name : XXXX XXXX XXXX  Account NumberXXXX Original company XXXX XXXX Debt amountXXXX
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, there was a charge for {$350.00} on my Chase Freedom card that I did not make. It was at a XXXX ( grocery store ), one that I frequent. I assumed this was fraud, disputed the charge, and it was taken off of my credit card. I thought everything was fine. 

Several days later, I realized that the same exact charge was once again added to my card. I called Chase, who then informed me that because the purchase was made in person with a credit card and I hadn't to my knowledge lost a credit card, it must have been me and therefore I was responsible. 

I called XXXX, and learned that the purchase was for {$350.00} worth of gift cards. They refused to give me any documentation about this. 

I was then back and forth between XXXX and Chase -- both of them were saying that they weren't responsible for anything. 

I eventually got in touch with Chase fraud. I told them everything and they said they would investigate further. 

I made a police report on XXXX 

On XX/XX/XXXX, Chase fraud department called me to investigate further. I told them that I had made a police report. They informed me that even though the credit card number was the same as mine, which was in my hand and I obviously hadn't lost it, there was something weird about it : there was a tag on it that meant it was the first purchase made with this credit card. They tried to swipe again, but the second transaction was denied. The card was never used again after this. 
I told them that we had been having issues with the mail in my apartment building getting stolen, and I would not have been surprised if somebody had stolen the card from the mail without my realizing it. I sent them the police report as well as an email from my building manager telling us that our mail was being stolen. 

I just received a letter dated XX/XX/XXXX that the claim was once again denied, and I will be responsible for all charges. 

I did NOT make this purchase at XXXX 's. It is very frustrating that such a suspicious charge as a bunch of gift cards was said to be valid, and that after telling my story, providing plenty of evidence, and trying so hard to work with them and be honest that I am still being held accountable for so much money that I did not spend.
Consumer complaint received 2021-09-07
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. (KY)

Identity theft has happened to me. I've provided identification as well as a report from the Federal Trade Commission on identity theft. Block and remove material from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (IL)

Hi I am Im making this complaint against CAPIO PARTNERS LLC for identity theft. I have never given CAPIO PARTNERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CAPIO PARTNERS LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CAPIO PARTNERS LLC continues its collection efforts, I will file for litigation for actual damages caused and CAPIO PARTNERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2021-09-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I constantly check my credit score on XXXX and last night ( XXXX ) I noticed that my credit score went down 21 points, which is weird. I always make my payments on time. I decided to check on my alerts and there is a loan over XXXX, XXXX that was taken out in NC. I dont live in North Carolina XXXX I live in XXXX, California. Someone is using my social and credit to purchase a car in NC.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA (MI)

I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything
Consumer complaint received 2022-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

THIS complaint is the follow up of my previous Complaint against XXXXMr.Cooper. 
I wondered how did it happened that XXXX issued a statement that my mortgage was paid on XX/XX/XXXX, gave me a confirmation number for the transaction with which I paid my mortgage through my XXXX checking account. Still up to XX/XX/XXXX, Mr.Cooper did not take my mortgage payment out of my Checking account, BLAMING ME for not having funds, blaming me that I HAVE PROVIDED A WRONG XXXX  ACCOUNT NUMBER. 
NO, MR. COOPER! Researching the web, you Mr. Cooper are involved in a FRAUD. This is why the money we're not taken from my bank account. I read the following from another customer amongst the thousands of comlaints against Mr.Cooper and " 1. NationStar : XXXX XXXX says : XX/XX/XXXX at XXXXXXXX XXXX Mr Cooper recently bought my loan. The original loan was to a bank. XXXX automatically transferred my banking information to the XXXX website automatic withdrawals. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX What a nightmare. I have been making mortgage payments to Mr. Cooper since XX/XX/XXXX, post a rate modification. Todate, ALL mortgage payments made are subsequently reversed and applied to a special suspense account. XXXX XXXX XXXX XXXX XXXX '' IN SUM : Mr. Cooper automatically steals/takes the bank accounts/numbers/ information after buying the mortgages, and automatically is TRANSFERRING THIS INFORMATION onto the customers 's Mr.Cooper 's online site/account. Then Mr.Cooper is illegally and fradulently committing actions accordingly. With me, Mr. Cooper decided to messed up my good A+ payment history, and did PLACE a wrong XXXX  account number so when only the 4th last digits were shown up, I 'trusted '' Mr.Cooper and submit my XXXX payment on time. Mr. Cooper then did not notify me for PURPOSELY NOT TAKING THE PAYMENT FROM MY XXXX  ACCOUNT, which Mr.Cooper wrongfully placed on my Mr.Cooper account. It is for the reason of illegal practice of Mr.Cooper to " automatically transferred my banking information to the XXXX website ''. 
This is why I am late, it is wrongly PLANNED ACTION by Mr. Cooper, who is aiming in defaulting my mortgage and placing me in forbearance. It was not me typing my account number, but SOME ASSOCIATES from Mr.Cooper. Mr. Cooper is involved in illegal REVERSING of payments of customers, in order to mess up their credit and place them in forbearance. MUST BE Investigated.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

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

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (UT)

In XX/XX/2020, I discovered my debit card number had been stolen, somehow, and used for fraudulent charges overseas. I can't travel - ever - due to XXXX. I am single and do not let anyone else use my card. The card itself was not stolen - just the data. Someone used the data to steal funds from my account in the form of cash advances. I immediately notified the company the second I found out about the fraudulent charges. The company sent a form to me to fill out, which I did and immediately faxed it back to them. The gave me a " temporary '' credit. I just found out today this company reversed the credit without providing any explanation. I tried to reach the company through their 24 hour number. I never got to speak to a live person. I tried to get through after pressing the required number to reach a person for over 2 hours listening to hold music. No one ever answered! Also, I attempted to contact the company regarding the fraud charges last month and never could get through to a live person to discuss the case.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank, XXXX XXXX XXXX has incorrectly assessed payments and is reporting my payments late in my credit report. I am not late and this should be corrected forthwith. It cost me thousands of dollars more on my new lease worh XXXX bank. I will sue Chase Bank for damages caused to me as a result. This needs to be corrected as my other vehicle is due for return.
Consumer complaint received 2022-10-14
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: Rent Recovery Solutions (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instuctions
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (IL)

I dont speak English I am using a translator .they are two problems with the same company, one for the GAP insurance and the other for three fines that they took from me for not having funds in my account according to them, but I have proof that the amount since it began in XX/XX/XXXX, the lowest balance It is {$1500.00} dollars and what I have to pay to Westlake is {$480.00} dollars. From the beginning on XX/XX/XXXX they charged two insurances, one from GAP and another from GAP and premium, I called for months and in a call in XXXX they told me that I could be calm down they would no longer charge that insurance and I continued paying my monthly fee until XX/XX/XXXX when I had to change banks for automatic payments, I called and made the change and found out that they were still charging me for the GAP insurance but it was accumulated months ago, so I filed the complaint a month on XX/XX/XXXX I called to ask why they had not withdrawn the money from my account, and they told me that the account was without funds and that for that they would charge me XXXX dollars, I called many times I recorded the conversations ones where they told me not to worry about sending the proof of the complaint, I sent them to the mail and the only thing they answered me was, ( you can not waive the GAP insurance, the contract says it, they never answered what they charge me for the fines of I did not pay unfairly and that the insurance will continue to collect.