davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (IL)

I have not supplied proof, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

I am not liabe for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX, MO XXXX. In the amount of {$260.00}. 

I am not liabe for this debt with XXXX XXXX and I do not have a contract with XXXX. XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX MI XXXX. In the amount of {$160.00}. 

I am not liabe for this debts with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. In the amounts of {$110.00} and {$200.00}. 

I am not liabe for this debt with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. In the amounts of {$200.00}.
Consumer complaint received 2020-04-16
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. (GA)

XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (WI)

Both Paypal & XXXX Bank failed to get a refund to me for a service ( educational, coaching, mentoring, " earning while learning offer '' from an on-line seller. The offer had a 100 percent " money back guarantee. '' Even-though the refund request was made within the designated 14 days ; neither the bank nor paypal has provided me with the refund. It 's been over sixty days and I have made numerous attempts and provided over 50 pages of supporting documents.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (RI)

In XXXX of XXXX I was contacted by Fay Mortgage Company stating that my mortgage was behind and there was a demand on my note. The mortgage was previously owned by XXXX XXXX. When I took the time to research my account I noticed that I had few errors were made on the account and I then brought my account current in XX/XX/XXXX. 
On XX/XX/XXXX, I received a notice that my mortgage was in default. I contacted Fay and I was informed that I noticed there was an payment was reversed twice and my account was debited on the same day the payment was reversed. I was told that this is because my previous mortgage ( XXXX XXXX ) informed XXXX that a payment was returned in XXXX which was over six months ago. This is very hard for me to understand that a bank would reach out to my new mortgage company after six months stating that there is an error. When notes are sold they are typically audited before being sold and now I'm told my note is in default again. According to my records I have a payment that is due for the month of XXXX and XXXX. And recently made a payment on XX/XX/XXXX that was debited from my checking account. I also had prepared an auto debit with Fay for my next payment at the end of XXXX month which is no longer showing on my account. I've asked Fay to take the time to review the 12 months of bank statement, along with my payments and a spreadsheet to use to for them to cross reference. I have placed a check mark next to each debit with the date the payment was withdrawn from the account. This company has made several changes to my account with no communication at all. I have attempted to communicate with them in XXXX to bring my account current and they were unhelpful. At that time I attempted to contacted my work out manager and never received a call back or email back. All of this information has been documented on a spreadsheet with email communication that can be sent in a PDF format. I feel that is wrong and other people may not speak up to ask for help as this company may be intimidating them with poor communication and demand letters.
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (CA)

Paypal is telling me that I have a debt of {$32.00}. They never sent me any emails about this. They simply said that they sent an email that my bank account was not going through. I never received a single noticed that I had a debt. I thought that I updated my account. I called in today. They said they sent it to a debt collection agency. I never received notice from paypal that I had a debt in the first place. No way I could have paid a debt I didn't know I had.
Consumer complaint received 2020-04-15
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. (FL)

for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services (FL)

Hello, my problem consists of having paid for services in advance which I come to learn violates the Credit repair Organization Act and then a monthly payment of {$89.00} dollars and during the time I was with them nothing was performed on my file. I had to go ahead and file myself today to do the work that while I was charged, was not performed. 
The company has my bank account and card number and I do not want them to take any more money from me. 

I was contacted by the company that could not charge me for another installment and curious as to no results I checked and saw that nothing was disputed or done on my behalf. I have numerous issues stemming from identity theft and was told I had to mail my license copy to the credit bureaus which I did. Nothing ever came of this. 

I know I was misled and abused and would like assistance by this agency to recover monies paid for work that was never done. The work done now was done today XX/XX/XXXX and can be verified by this agency as it sees fit. 

the company name is United Credit Education Services ( UCES ) XXXX. XXXX XXXX XXXX, MI XXXX and the number they have is : XXXX
Consumer complaint received 2022-11-12
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-15
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. (HI)

This is the information that I sent to XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit report shows that I have an account with late payments. I do not believe this is accurate, because my own accounting shows that I was not late on the following dates XX/XX/XXXX, {$200.00} was paid on XX/XX/XXXX. XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00}. 

XXXX XXXX replyed on XX/XX/XXXX that they received my correspondence to consider adjusting the payment history. And their reply was : We are contractually obligated to report your payment history as it actually occurred. Our review shows we reported your history accurately, therefore, we can not change your report.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (NC)

The CBE Group has contacted me regarding a {$1200.00} debt that is owed as of XX/XX/22 to the XXXX XXXX. I have personally been in contact with charter and while speaking with them, realized my social security card is gone. XXXX sent me here.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

Mr. Cooper is my mortgage home lender. I am in the process of loan modification due to the pandemic. The year XXXX the underwriter made an error. They had the wrong page and book number that had my former husband name on the mortgage which he was removed when i refinanced in XXXX. I am the sole entitled to the deed and title of my home. I wrote a letter to the underwriter which was sent via fax which they received. They never rewrote my modification mortgage as of this current date. I have called a total of 15 times in 1 year and 5 months. I was told in XX/XX/XXXX to make a trial mortgage payment for 3 months which i successfully completed. In XX/XX/XXXX, i was told my modification mortgage was sent via XXXX XXXX XXXX which i never received. In XX/XX/XXXX, they had me repeat the same process, 3 months trial mortgage, I again successfully completed in XX/XX/XXXX. My documents reported my new mortgage modification loan was sent out via XXXX XXXX XXXX  Again, i never received. I called Mr. Cooper 2 times in XX/XX/XXXX And XX/XX/XXXX to make a mortgage payment which i was told " You can not make a mortgage payment until you receive your mortgage modification loan documents ''. I spoke to 4 agents in the loss mitigation department. ALL 4 agents informed me that i could not make a mortgage payment until my mortgage modification loan documents were returned which i never received. I received a call XX/XX/XXXX from # XXXX modification loan dept. This agent XXXX informed me that my loan modification was declined due to non payment for XX/XX/XXXX and XX/XX/XXXX. I explained the situation regarding i called to make a payment for XX/XX/XXXX and XX/XX/XXXX and they agent refused to take my payment. All my calls were documented. He could not give me an answer. He kept repeating " i did not make a payment for XX/XX/XXXX and XX/XX/XXXX therefore my load modification was decline ''. I tried several times to make payments for XX/XX/XXXX and XX/XX/XXXX and Mr. Cooper : s agents would not accept my payments. Each encounter that i spoke with an agent kept repeating the same verse " you can not make a payment until we receive your loan modification documents ". The agents told me they were sent out, which was a lie, i never received via XXXX XXXX XXXX. I could not make a payment on line either because they BLOCKED my payments. Each agent also kept repeating " i will notify the underwriters to have them send out another loan modification documents '' I made my XXXX mortgage payments for XX/XX/XXXX and XX/XX/XXXX with XXXX on XX/XX/XXXX. Mr. Cooper 's underwriters made a large error. They never sent out my mortgage modification documents. they lied and said they did which is untrue. I need help with serious situation. can someone call me immediately. Nothing is being done to correct this mistake.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (CA)

XXXX XXXX of The law firm Gurstel Law firm, represents plaintiff, XXXX XXXX XXXXXXXX XXXX, has served my husband, i was not at home at the time, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

The plaintiff has never contacted me before, and I never received prior inquiries for this debt. 

I filed a dispute with XXXX for the following : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description The plaintiff complaint is unverified, as it never belonged to me, i never opened an account with XXXX XXXX XXXXXXXX XXXX XXXX 
Shouldn't the Plaintiff be required to provide verification of debt? 

I do not have any responsibility for the debt the law firm is trying to collect. 
If they have good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account 2. Proof of the transactions & statements 3. Proof of prior attempts to contact me
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I asked for Transunion to remove an item that I did not authorize from a company called XXXX on XX/XX/2022. They did not do that they sent a letter stalling the process and did not follow up or investigate with company XXXX.
Consumer complaint received 2020-04-15
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ftc violations attached and noted : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that XXXX  The FTC alleges that XXXX violated the XXXX order by deceiving its users when the company shared the data of users ' XXXX friends with third-party app developers, even when those friends had set more restrictive privacy settings.XXXX XXXX, XXXX
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

There is a freeze on my credit report for Equifax and I never requested one, I have n't heard anything or received any calls letting me know why or when this happened. I only found out thanks to applying for a loan and the vendor telling me my report is frozen.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WY)

I lost my job and my skills won't allow me to get a job until the economy opens again ; who knows when that be. I asked Chase to not allow interest to accumulate on my account. This must be done in order for me not to go bankrupt and suffering Chase for non-payment.
Consumer complaint received 2020-04-19
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: Collection Bureau of Fort Walton Beach, Inc (GA)

I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX  to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (AR)

I have been dealing with Jefferson Capital for many years. They harass me from a bill that is 14 years old and was taken care of 13 years ago. They still will not leave me alone. They have gone over the Statute of Limitations and will not clear the debt that has been paid. They have been harassing me all these years for {$1000.00}, I can not take it any more. I have contacted them and they are so pushy they do not want to get off the phone with you without you paying them money that you do not owe.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (PA)

Property was subdivided in XXXX. We bought property in XX/XX/XXXX. Per county policy, tax map # is not updated until property sold.. When we received first tax statement reflecting new tax map #, CMG financial ( mortgage company ) was advised. They continue to pay taxes on wrong tax map # and I am receiving delinquent notices. They have been contacted several times over this matter. My tax collector spoke with them in XXXX XXXX and they promised it would be corrected. In addition, because of this error, they have increased my mortgage payment. They refuse to correct this! 

my tax map # is XXXX they are paying on XXXX Mortgage payment should be {$1000.00} They increased to {$1000.00} because they are paying neighbors taxes.
Consumer complaint received 2020-04-19
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: STATE EMPLOYEES CREDIT UNION (GA)

I have submitted several disputes to the credit bureau XXXX  XXXX  and XXXX to investigate information on my credit report. They have repeatedly sent me template letters with no document verification of there results. I have also mailed the creditor and they refuse to do the same. Under the fair credit act it states all information should be reported accurately and I have the right to request supporting ( original and current ) documentation.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.