davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed the following accounts/Companies 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 The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, XXXX, Equifax on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, XXXX, and Equifax on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings (OH)

I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (NC)

This is my 2nd endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX 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  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OH)

I have an account reporting on my credit file that is not mine. I have disputed the account with WELLS FARGO and XXXX. Please investigate and remove the items. Both WELLS FARGO and XXXX are violating : FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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 XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XX/XX/2020
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX I found out my cards were closed. Once recovered email. I went on the account and could not find a letter. I try calling they said they could not tell me. I have to go to the bank. After 8 callings and not getting anywhere. Some guy explains to me where to find the information. 

The reason why I was confused is the fact that I never missed a payment. Something felt wrong about the decision. First, it was extremely vague and was heavily weighted. As they just issued me a second card. Now say my credit History was a factor. When it never has in the past 2 years plus that I had cards with them. 

After several contacts threw their security methods. In this back and forth I found out about the credit card in the past. That it was the main reason why closed it. They gave me one date which was XXXX. 

I found out just because I wanted to show them I was getting credit cards under control. The response email told me that it is great I will be on the past card. She forwards it to the department and they get in touch in two weeks. 

The problem is I am still a victim of Identity theft. It is still ongoing. I had thaught heard the last of in XXXX. Then my computer died for a few days. This happens. Somehow someone hacked all my accounts and changed email, password, closed down every account I had and other things. I think I caught it at the right time. I locked my credit history. Then I ran through and checked all accounts fixing two at once as I go. I only have 10 on the advice of a past lawyer. Still not sure how. All my passwords are 30 letters long. 

That comes up to the wondering part. I checked every record I had, As far back as I was able to get information. I do not have any chase cards on file. The bad news where some of the files stored had some severe water damage on 8 boxes of mine. So it still up in the air. 

I had asked them to send me the info and other requirements and they have not contacted me on it. Now I am perfectly fine for them closing it for ligament or rule reason. To close them on a debt that over 14. Then I have a major issue. Especially when they refuse to discuss or give answers. Chase wants me to bo to the bank which is XXXX miles away. 

In secured address I did asking, I asked 7 question lawyers said to do. The main Three was the debt a write-off. Do you still own debt or was it sold? Can you provide proof of ownership? These are the core thing most need if identity was stolen. Make easier to track. To decided if yours or the one whole stole your identity.
Consumer complaint received 2019-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a old auto loan through XXXX XXXX XXXX. the amount showing was {$160.00} unpaid and on my report as charged off, the amount is incorrect and I have had many issues with this bank, but in the end to get this removed I paid in full. I disputed the loan on all 3 credit reports and were removed by 2. Equifax had updated the account to first delinquency of XX/XX/XXXX and I had asked to remove it as its been past 7 years. the account stayed on my report and then later updated again to XX/XX/XXXX delinquency date. I had disputed this a second time and the results were loan removed off my report as of XX/XX/XXXX ... this account again was put back on my report and showing XX/XX/XXXX delinquency so I wrote certified mail my dispute and the result was " this account isn't reporting on your report ''. today I see on my credit report its on there with the same information XX/XX/XXXX delinquency and I called and they say the same thing over and over and ask if I want to disputed the account ( I have already done so 3 times ) im angry and this is being handled terribly and is effecting my ability to obtain credit im beyond frustrated and exhausted I need help
Consumer complaint received 2019-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

As requested by Equifax for additional relevant information. ( Please see attachment for further detail ). 30 days ago I have disputed and challenged XXXX XXXX XXXX XXXX  on my Equifax credit report. 

In the attachment you will find relevant information which may be  inconsistent with what is currently being reported on my Equifax credit profile. This is a violation. 

On my credit report, Equifax has last payment date of XX/XX/XXXX. But in documentation received from the original creditor. The last payment date was in XXXX of XXXX. As a result, by default any and all information being imported by the furnisher is inaccurate and is deemed irrelevant. XXXX  XXXX XXXX XXXX  must be removed effective immediately from my Equifax credit report.
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Ref XXXX. They decided to respond and mention results from XXXX  which did not address my concern listed in the complaint referenced above. Therefore, they are failing to protect the information that determines my reputation. I want to be able to reach out to these companies directly who have ILLEGALLY obtained my credit information and I am seeking assistance from the CONSUMER REPORTING AGENCY so I can do so. You all should not be allowing companies to just pull my information without prior consent.
Consumer complaint received 2023-01-13
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: ACIMA CREDIT, LLC (CA)

Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. 

I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. 

This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. 

XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.
Consumer complaint received 2019-12-08
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WY)

I requested my mortgage company ( Mr. Cooper ) to do an escrow analysis because my new insurance was cut in half on XX/XX/XXXX. To begin they told me I just bought the house- which I actually purchased in XXXX of XXXX. Then, they told me that I was not allowed to have an escrow analysis until XXXX of XXXX. I should be able to request an analysis for such a large difference in payments.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (TX)

I submitted a dispute about my account to coamerica bank bank, the ssi.accout debit Mastercard used by the USA ssa.on XX/XX/2021 .about one XXXX dollar amount and XXXX dollars worth of miscellaneous charges made against my account. Made by a person who has stolen my phone from my house. I made a police report and provided all of the information and details to the dispute department within the allotted time frame. They reimbursed me the XXXX dollars for the charge to the phone company used by the thief to continue my phone service., but found not to reimburse any other items from my claim. I'm XXXX and I don't have any recourse. My income is very small and this has caused me a great loss. I have the Records and the womans name and information that took my money.i have access to video confirmation of the theft.yet none will do anything. I have several other things that I have had done to me concerning financial issues. Is there anyone who can help me.
Consumer complaint received 2023-01-13
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. (TX)

XXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX XXXX XXXX I've tried to have them remove this it's on XXXX and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXX XXXX XXXX whom I've never heard of in my life. My next step is to call my XXXX  XXXX XXXX  to get it dealt with because XXXX is sure not helping with the situation.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, Equifax and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Equifax has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with XXXX XXXX XXXX or XXXX  XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. Equifax has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (VA)

Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.
Consumer complaint received 2019-12-08
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)

Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX  XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I made a transfer in the amount of XXXX $ from my venmo account to my bank account and right after i got a email stating my venmo account has been closed and my XXXX $ transfer to my bank account is under review resulting in a transfer freeze or money being withheld.