davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc. (LA)

GULFCO OF LOUISIANA D/B/A TOWER LOAN OF XXXX LOUISIANA HAS BEEN HARRASING ME EVER SINCE 2017 About A LOAN THAT WAS PAID AND NOW THEY SAY THAT I OWE OVER {$14000.00} AND THEY ARE ATTEMPTING TO SEIZE MY FATHERS PROPERTY ILLEGALLY, PLEASE I NEED SOMEONE TO HELP ME.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

Received a TRS recovery service letter trying to collect a debt from XXXX. Based on the information given from TRS, a purchase was made on a declined check at a XXXX store in XXXX XXXX, CA. I've never been to XXXX XXXX before. The check supposedly came from a closed bank account ( acc # ending in XXXX ) from XXXX XXXX I don't have any bank accounts with XXXXXXXX XXXX. The phone number they had on record ( XXXX ) XXXX is also inaccurate.
Consumer complaint received 2022-04-14
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. (NV)

Equifax is in direct violation of 15 USC 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2022 I sent Equifax my identity theft report, a copy of my ID, my statement, and a copy of my credit report. Equifax has received my documents but has failed to remove the fraudulent items from my report. In this complaint I have enclosed the following documents again ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-11-05
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)

Please remove the items in Identity theft because they are not belong to me and not related to any transactions made by me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX My claim has been denied by bank because my online activities was normal. So I requested copies of log-in history and I've received letter ( Files attached ). 
But it shows only XX/XX/2022 thru XX/XX/2022. ( My fraud case happened on XX/XX/2022 ). 
So I requested another pages of log-in history for XX/XX/2022 thru XX/XX/2022 by phone ( twice on XX/XX/2022 and XX/XX/2022 ) and by letter ( XX/XX/2022 ). 
They answered they would send copies by phone, but they never did, they kept ignoring my requests.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter on XX/XX/2022 to CREDIT BUREAUS to remove XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX Balance -, and XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after theXXXX XXXX letter I sent. .Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again.,
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (WA)

I am disputing an unpaid account balance to Real Time Resolutions Inc. ( RTR ), account # # # # # # # XXXX as inaccurate because I paid the original balance in full to XXXX XXXX, XXXX on XX/XX/XXXX. This account was originally opened with XXXX, then sold to XXXX XXXX then sold to XXXX XXXX. 

On XXXX XXXX, XXXX, I sent a final quoted payoff amount of {$76.00} to XXXX for this consumer loan. XXXX applied {$75.00} to the principle and interest and applied {$1.00} of the payment to an insurance fee. The issue is that I never had, agreed to or maintained insurance on this loan. By charging me for insurance on the final payment, XXXX committed insurance fraud. They then sold this debt to Real Time Resolutions ( XXXX ). In addition, XXXX stated I owed a {$230.00} fee however could not substantiate or provide proof of this fee. In a letter from XXXX XXXX, XXXX, they implied it was an " insurance fee '' owed. 

I dispute this debt. I do not owe this debt as it was paid in full. I do not owe RTR a monthly payment of {$120.00}. In addition, neither XXXX nor RTR have been able to substantiate the mystery fee of {$230.00} they claim I owe. Also, because the principle and interest on this debt was paid in full, RTR 's monthly reporting of overdue payment on my credit report is incorrect and should be deleted. I am requesting that Real Time Resolutions delete erroneous delinquent reports from my credit report. Also, the XXXX XXXX account should be shown as paid in full. 

I have also disputed this with credit bureaus, XXXX and XXXX, as this ongoing deliquent monthly reporting is affecting my credit, negatively, in an incredibly unfair manner and by an exorbitant amount.
Consumer complaint received 2022-04-25
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: Credit Karma (NY)

On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Also, the company is reporting false information on my credit report such as not reporting Choice Recovery but the alleged Doctors office " XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and XXXX  XXXX XXXX XXXX XXXX  with acct numbers : XXXX - {$47.00} and XXXX - {$48.00} I called the number on my credit report and its listed XXXX XXXX  XXXX
Consumer complaint received 2021-06-08
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. (MD)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being take advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It have been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  Inquiry Date XX/XX/XXXX 2021
Consumer complaint received 2022-10-08
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: JPMORGAN CHASE & CO. (NJ)

I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-23
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. (NV)

NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH COVID FOR A YEA R
Consumer complaint received 2022-04-14
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. (NJ)

Not Sure, but, this is clear identity theft, and someone has used my name, and i would like this to stop. This is a horrible experience to clean up and has cost me and my family even more time and energy trying to clean this up. 
Please delete this information IMMEDIATELY!
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I called XXXX  XXXX XXXX  XXXX and informed them that I was leaving my apartment as of XX/XX/XXXX. They continued to charge me for the apartment for 2 more months. I called to try to resolve this and they told me that there was nothing I could do, so I called my bank and told them this was not a valid charge. I do not owe this debt. This was a mistake made by the power company. My address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL. I gave them at least 2 weeks notice before leaving. I'm in my XXXX, and my credit means everything. Please help me to resolve this.
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with XXXX ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX TO : Bureau of Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, DC XXXX SUBJECT : MORTGAGE LOAN APPLICATION DENIAL This complaint is in regard to our loan application for a refi made to JP Morgan Chase Bank, NA on XX/XX/XXXX. My husband and I feel we were wrongly denied for the following reasons below : 1 XX/XX/XXXX : Prequalification letter received from Chase Bank XXXX 
2 Documents dated XX/XX/XXXX : A Lock-In Agreement and Mortgage Commitment Letter was issued or 59 days elapsing with acceptance given. Schedule A Conditions 1-9 were met with documentation provided to Chase.

3 Documents date XX/XX/XXXX : A new Notice of Counteroffer, Mortgage Commitment Letter, and Lock-In Agreement was received. Again, Schedule A conditions 1-5 were fulfilled and submitted to Chase. These conditions requested were the same as the documents submitted on XX/XX/XXXX! 
4 XX/XX/XXXX : Received email from XXXX XXXX , loan officer, again asking for the same information as # 2 and # 3 above ; which was provided. 
XXXX XX/XX/XXXX : Statement of Credit Denial, Termination or Change letter received for : ( a ) excessive obligations in relation to eligible income ( b ) value type place or condition of collateral insufficient or unacceptable. 

The manner in which our application was processed demonstrates sloppy banking procedures and a disregard for the laws governing mortgage applications. When a counteroffer is given and accepted with all conditions for a closing met, our expectations were for a closing to follow. However, when the very same reasons for denial are used to determine a loan, one must wonder if the inconsistency was not intentional, if not deliberate, since a counteroffer and commitment was extended based upon those very same factors.

Additionally, within the past fifteen years my husband and I have been approved for mortgage from Chase Bank on the very same home and income ( XXXX and XXXX, respectfully ), above average credit scores ( XXXX XXXX, XXXX and XXXX ; XXXX XXXX, XXXX and XXXX from the top three credit bureaus ) with the only exception is our ages. Both mortgages were in good standing with Chase as is our current one ( again with Chase Bank! ). 
It is therefore our question, how many retirees with a XXXX and XXXX, respectfully, credit scores does Chase decline? Although we feel singled out in this experience, we wonder if Chase is discriminating against an age group in spite of acceptable credit? 

Respectfully submitted, XXXX and XXXX XXXX
Consumer complaint received 2022-07-30
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. (TX)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2022-07-30
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. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} ; XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} ; XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XX/XX/XXXX 2021
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATIONXXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}