davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Date opened : XX/XX/2016 This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2021-08-18
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

I had issues with making online payment for a XXXX XXXX XXXX Credit card. They charged me for late payment while later it was discovered that they had issues with their online payment technology. They have accepted their mistake on the phone and sent me a letter. But the letter does not state that they have issues with their payment technology. Also, I applied for a new credit card with Chase but my credit card was rejected by chase and they had sent me a letter stating that they used my XXXX XXXX credit score to base their decision.

I checked my XXXX XXXX credit report online and the issue with late payment of XXXX is still reported in my credit report.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IL)

In XXXX, 2019 our loan was sold to Gregory Funding from XXXX. At the time of the sale of the mortgage our payments were made timely. Since Gregory Funding assumed the loan, there have been significant issues for which we have contacted Gregory Funding in writing and have not been able to reach a conclusion on our concerns, which include : - After assumption of the loan in 2019 Gregory Funding indicated that we owed over {$5000.00} and we have not received documentation as to why - Gregory Funding increased our loan payment by {$1000.00} creating a payment we could not afford - We have had to pay homeowners insurance on our own because Gregory Funding will not pay this from our escrow - Our payments to Gregory Funding in XXXX, 2019 and XXXX, 2019 were made to interest only causing us to consistently be 2 months in arrears on payments- We continue to accrue late payment charges every single month because of Gregory Fundings lack of response While we acknowledge that some of our payments were late, most at the beginning when we were trying to get the payment corrected, which never happened. We ended up continuing to payment the previous payment amounts. We have attempted almost monthly verbally and several times in writing on getting this issue rectified to no avail. We are hoping to get some help in getting our mortgage to a good place so that we do not constantly have this issue hanging over our head. Any help you can provide to us to act as a liaison with Gregory Funding to understand the status of our loan and an amenable resolution would be greatly appreciated.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

I received a notification on the XXXX of XXXX that a transfer to my account was put on hold and that I needed to provide further information. The reference number provided to me was # XXXX. The amount is not stated, but I am expecting XXXX USD ( minus any bank fees ). I submitted the requested information on the same day. I received confirmation that everything was set via email. I was expecting to see the funds the next day as normal, but I didn't see anything so I wrote my bank asking if everything was OK. They told me they needed more information, which I provided. I received confirmation via email from an agent on Sunday the XXXX of XXXX that they had everything they needed and to review the case. Monday, I still did not receive the funds so I emailed the agent again and didn't receive a response. I chatted with an agent online and they let me know that these checks will take 1-4 business days and they will get back to me. I waited until Friday the XXXX and still didn't have any funds or answer from them so I reached out again via chat. The agent told me that they escalated my case, they could see it was still in progress but they would be in contact with me. The next day XXXX hadn't heard back so I wrote again, and I was told these things take time and all I can do is wait. I wrote via XXXX complaining about the response and the fact that I still do not have the funds, or any idea what so ever about why the funds were placed on hold. I have been in contact with them via XXXX since then ( today is the XXXX of XXXX XXXX and I still have no answer as to when my funds will be available or what checks are taking place.
Consumer complaint received 2021-01-05
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. (CA)

On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. XXXX, Equifax and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, XXXX  managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, Equifax is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and XXXX  found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how Equifax is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but Equifax and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, N.A. (CA)

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and Flagstar wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for Flagstar to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Consumer complaint received 2019-01-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Dealer Services has relentlessly reaffirmed the charged off debt of {$3000.00} on an old vehicle loan from 2011. I was under the impression that once an account has reached 7 years old, it is to come off of your credit report. They will not remove the debt from my credit report. I did not allow the account to go deliquent intentionally. I was sold a vehicle that became inoperable, and I lost my job because I could not longer get to it. I offered to allow them to take the vehicle, and they refused. I have since taken many steps to improve my life for myself and my XXXX children. This negative remark is preventing me from several opportunities to continue bettering the lives of my family. I am a single mother of XXXX young children, not that I should get special treatment for it, but I believe this remark should be removed off of my report due to the age and nature of the circumstances and these people will not have it. I would appreciate your help in this matter. 

I have also not received ANY written statements from them in 3 years, and they marked it as a charge off. They are no longer even trying to collect the debt, it appears they are simply just trying to prevent my score from improving.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

XXXX. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX please delete it immediately. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2021-01-05
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. (LA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (GA)

MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud. 
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

DSNB MACYS - -XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with Macy 's was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need Macys to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Paypal Holdings, Inc (MN)

Apparently in XXXX, I opened a PayPal account and as of XX/XX/XXXX I owed XXXX XXXX 
XXXX XXXX is the debt collector. I have disputed it and a police report was made I definitely did not or ever have used PayPal. XXXX XXXX asked questions. the address, email and phone number are not mine but my XXXX was a match
Consumer complaint received 2021-08-18
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WI)

I am questioning our escrow acct my mortgage payment includes the taxes and home insurance I noticed on the statement that there is a discrepancy in the monies that is left over I contacted a represenative from Chase Bank who is the service provider but the person informed me that they are keeping the extra amount of money left over and that they had a right to keep it I am requesting that your agency look into this matter since I am a senior and I feel that I am being taken advantage of due to the represenative could not give me a clear explanation
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (FL)

My mortgage was sold to this company last year. I applied for a modification in XX/XX/2021 and sent in all requested documents. I have not been hearing back from the company. Every time I call I am told I will get a call back and there is no follow-up. In the meantime, the unpaid forebrearnace balance has been growing. I called them today and insisted on a call back and the person told me I didn't qualify for a loan mod because I didn't send in the requested documents, which is not true. I have the email that I sent to them. They said they sent me a notice of missing documents, which is also not true. Then the man kept pushing on me another program because I failed to qualify for loan mod and said if I didn't accept today they would send my file to loss mitigation. They declined to defer the loan balance, which is what I requested in my application. They are going to recapitalize the loan which makes my payments balloon. If I couldn't pay my mortgage before how will I manage an even higher payment now? They're giving me no reasonable options to save my house and giving me information in a rushed phone call and expect me to accept their terms, immediately. I'm not ebbed sure what the man was trying to explain to me. In the meantime, the deferred/owed balance is continuing to grow. I did send all the documents required in XXXX, they're trying to scam me and trap me into a higher payment which I can not afford so I will end up losing my home.
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I sent money through chase QuickPay using XXXX for a XXXX XXXX.I transferred XXXX dollars to the seller using the phone number he gave me.I received the bottle a couple of days later and checked it to see if it was authentic and realized it was fake.I filed a dispute with chase on XX/XX/XXXX and after 10 days they said they tried to take back the money from the sellers account but was unsuccessful so chase said that was all they could do for me because I initiated the transaction so basically XXXX and Chase make it easier for scammers because both deny liability and both are not willing to help at all and scammers know this and take advantage.There has been many stories of people losing money using XXXX and banks do nothing to help
Consumer complaint received 2021-08-18
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)

I recently filed a report with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted fom identity theft is a violation of the Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is defamation of character and misrepresentation of my true credit worthiness. i recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. i ask that these accounts be deleted within 15 days of these receipt otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX university any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (PA)

Company reported a debt to the credit bureau. This debt is not mine. I have notified the company and filed a dispute with the credit bureau. I have no idea what this debt is or who is responsible. Amount is {$1000.00}. Date open says XX/XX/2018 on my credit report.
Consumer complaint received 2022-10-10
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)

For some reason XXXXXXXX XXXX  has been on my report since XXXX or XXXXTHIS IS NOT MY ACCOUNT AND IS REPORTED AS FRAUD BUT Equifax continually puts it in collect for the 8 years. 
A ) I have attempted to contact Equifax but it goes in circles I can not get in touch with a live person.I also noticed the creditor or collection agency lied and stated it was placed in XXXX???? Why this was not caught by Equifax with their expert monitoring is beyond me. I want this removed immediately. 
B ) XXXX XXXXXXXX is also another Fraud Account, I sent letters stating those charges were not authorized by me that were made to XXXX???? XXXX also sent a letter stating the charges were unauthorized. Those are not my charges and I did not authorize.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (UT)

According to the FCRA a company can not publish an inquiry on my report without my written consent. The following dates are inquiries on my report that I haven't submitted a written consent to : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX