davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (PA)

On XXXX XXXX, 2015 netspend closed my account I called that day asking what was going on and all they told me is that they closed it due to a deposit. I explained to them that I had received that check as payment and did n't know that the check was a forged check. Well on XXXX XXXX XXXX was deposited in to my account I called them back up and asked for my money I was told that they will be mailing me out a refund check with my money and that it would take 20 business days. I called a week later to make sure my check was mailed out I was told it was sent out on XXXX, 2015 while on the phone I asked to make sure my address was right cause I had moved and changed it. Well while they was repeating my address they said my zip code wrong I told them that is not what I had gave them and I was told that it would be fixed and another check would be sent out and this XXXX will come in 10 business days. I call a week later again to check I was told something completely different saying that the check was sent out on XXXX XXXX and I had to wait 20 business days. Nothing about the previous call about the zip code being wrong and nothing about another check being mailed out. I called back on XXXX XXXX and was told that I will get my refund check on XXXX XXXX I asked how is that possible if that is thanks giving then they changed it to the XXXX of XXXX I asked o talk to a supervisor and she told me that it would be their on the XXXX and gave me some number telling me this is how I would be able to track my check. The number I was giving was not any number usps used and I was upset again for giving me another lie. I called back on XXXX XXXX and told them.I still have not recived my money and was told that they sent out another check and that I would Ger it in 3 to five days. I called again on the XXXX and was told another story about how my account was just called as of XXXX XXXX and that a check was never mailed out till the XXXX cause I didnr turn in the paper work thatbwas requested since I requested to close the account. I told her that was a lie and that I never asked to close my account and that my account was closed on XXXX XXXX I was told the was not true and that it was closed XXXX XXXX and that was when the refund check was issued. Today is XXXX XXXX and I still have not received my money and I 'm about to be evicted and lose my car and no food to feed my XXXX kids. I really need my money and I 'm tired of getting the running around with them with my money.
Consumer complaint received 2022-08-04
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. (CA)

This is my 7th Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information 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. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (CA)

I was notified by my XXXX Credit monitoring account today by e-mail on XX/XX/2022 at XXXX XXXX XXXX. That a social security number trace was established and was redirect to a new address or residence, and that if the information was not correct to contact the XXXX as soon as possible to address it. 

So I did just that. When I was on the phone with XXXX they looked up the alert and to whom reported this on my credit file. 

The customer service agent from XXXX stated it was reported by AFNI incorporated. He then went on and stated there was nothing attached to report a credit account or debt. It was removed immediately but I feel this company was trying to tack this address to my credit report fraudulently to establish a debt with me that I don't owe to them. 

Additionally, I'm not sure how they have obtained my social security number and then ran a trace on it. As documented in my XXXX account. 

I have had a lot of my personal information compromised drivers license, SS, email and phone number are currently being monitored by accounts with all credit reporting agencys
Consumer complaint received 2017-10-10
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. (NY)

I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX Acct # : XXXX
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (LA)

XXXX Acct # XXXX I have no knowledge of this debt, dates or services rendered. I looked at my credit report and I noticed this agency on my report. I have written two verification letters ( receipt of notice ) attached. Company ignored my request and continued to report this alleged debt on my report.
Consumer complaint received 2020-08-10
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. (NJ)

I have mortgage account with XXXX XXXX ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked XXXX bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that XXXX bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.
Consumer complaint received 2019-12-04
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.
Consumer complaint received 2022-12-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

starting XXXX and ending in XX/XX/2022 I supplied the same exact financial and personal information to the Pennsylvania Homeowner Assistance Fund which was giving to mr Cooper in XX/XX/2022 for modification assistance. 
XX/XX/2022 mr Cooper response to my cfpb complaint ( promptly closed ) was the information supplied was inaccurate or incomplete documentation ( which was a lie ) because I supplied a affidavit, government application for assistance, copy of death certificate, XXXX months of bank statements, XXXX years of income tax returns, hardship letter, pay stubs, copy of driver license, social security card so the PHAF was more involved yet they NEVER LOST ANY DOCUMENTS!!

this entire time ive a been incurring malicious accelerated rents and interest which was paid by the PHFA grant and now I still have no remedy from the hardship I've received at the hands of this predatory company with its sloppy paper handling and mishandling of deadlines and out right LIES.

The accelerated rents are malicious because had my paperwork not been lost like I stated OVER AND OVER AGAIN in NUMEROUS other cfpb complaints I wouldn't wouldn't have needed a grant I would have complied with mr coopers modification requirements my bill was XXXX a month .... now my bill is like XXXX are you insane!!! you are CROOKS
Consumer complaint received 2019-12-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2019-12-04
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. (UT)

Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-12-19
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 early XXXX of 2022 to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts on the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EQUIFAX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts I asked to have investigated in early XXXX of 2022 to Current days date. Unauthorized FRAUDULENT Account XXXX. XXXX XXXX & XXXX XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.
Consumer complaint received 2019-12-04
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. (TX)

I went into Chase Bank - XXXX XXXX  XXXX Texas Branch to notify them of my mother 's death and ask them what documents they needed from me to close her accounts. I provided my social security number as Executrix of the estate. The banker not only closed my mother 's accounts, he closed my two credit cards. Now my credit report shows that I am deceased. I am unable to access credit at this point. I will not be able to access any credit until the credit reporting agencies clear this up. I have spent hours transferring the auto payments from one of the closed cards to another source of payment. I have spent hours on the phone with the estate department and other divisions of Chase trying to straighten this out. I have no idea how long this will actually take. In the mean time I can't trade in my vehicle or acquire a new cell phone because the credit reporting agencies shows me deceased.
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (WA)

I received a letter from XXXX XXXX XXXX XXXX, a debt collector on XX/XX/2022. The letter informed me that they are trying to collect a debt of {$4800.00} that I owe to PayPal , Inc . This was a shocker as I have not used my PayPAL for a long time. I do have a PayPAL account and when I logged in and checked. My PayPAL account shows no balance and transactions or purchases in a long time ( as expected ). The letter indicated a PayPAL account number as XXXX. I called PayPAL and they confirmed my account has no balance pending. However, the account number in the letter also has my name associated with it. When I asked them for more information, they asked me to provide an email and credit card/bank number associated with the account ending in XXXX ( the XXXX in the letter ). Since I never opened that account I could not provide that information. I had been a victim of ID theft before. As a result for several years I have frozen my credit with all XXXX  credit bureaus as well as the XXXX  system. I had also set fraud alerts at all these places. So how can someone open an account using my information and conduct financial transaction ( s ).
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

BLITT AND GAINES , P.C . sent me a letter sating I owe {$1800.00} and the amount from that creditor is {$1600.00} they are Attempting to charge an amount greater violates the Fair Debt Collection Practices Act ( " FDCPA '' ) and the XXXX Fair Debt Collection Practices Act.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: Flagstar Bank, N.A. (MI)

I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

This problem isnt exactly covered under any of the above lists. 
Credit bureaus will offer an early exclusion on some accounts if they qualify. The early exclusion time period varies. When I learned about this I decided I would ask Equifax for an early exclusion. I had to file a dispute in order to ask for the early exclusion but was clear that was all that I wanted. 
My credit score dropped 63 points! This is ridiculous and a dirty trick to stop consumers from opening any kind of dispute. 
Equifax will not give points back when the investigation closes. 
I dont think they should be punishing consumers for filing a dispute or asking for an early exclusion when all of the credit bureaus participate in it. 
Equifax also breaks down your score and tells you what factors affect your score and by what percentage. 
NOWHERE does it state that disputes are calculated into your score but they definitely will take big points away if you file a dispute. 
Where is the transparency? How is this legal? 
I was just expecting a YES or NO answer to my request. There was no need to damage my credit because I asked a question! 
Now my Equifax score is XXXX!
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (MN)

The original debt was litigated in XXXX XXXX XXXX XXXX. The original creditor was not awarded anything. Hunter Warfield put a collection account on my credit report. 

on XXXX, I sent them the attached communication. I explained that the debt had already been litigated, and that the balance was not owed. I also asked XXXX to only contact me by XXXX mail. 

on XXXX, I was sent electronic communication from HW. They sent " verification of the debt '' that was merely a few exhibits that were presented during the court case. They did not address that the debt was already litigated. 

This debt is not valid, and HW has contacted me after I expressly wrote to them instructing them to only contact me via XXXX XXXX
Consumer complaint received 2022-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I received a letter stating that questions XXXX were not completed, however they were.
Consumer complaint received 2022-11-09
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. (FL)

Equifax was contacted to correct Student Loan Info ( XXXX XXXX ) and the XXXX XXXX XXXX XXXX " Reaffirmation of Debt '' which had dropped off since my XXXX XXXX is over XXXX XXXX XXXX going on XXXX. Equifax was provided documentation and refused to remove the re-aging of the re-affirmation on XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and they state the flag was not added by them to contact the credit bureau, Equifax. I did and they refuse to correct this. This caused my credit to drop XXXX pts. The XXXX XXXX has been closed for almost 8 years and the 'Reaffirmation of Debt ' should not be appearing on my credit file. I am attaching their " Investigation '' which they did not even look at documentation sent and I am not able to re-dispute. This agency is known to have major issues correcting errors in violations of my rights under the FCRA. Although evidence was sent they refused to remove the " Reaffirmation '' they added in XX/XX/2022 that has caused other companies to reduce my credit limits and close my accounts and also lowered my overall score by XXXX pts. They should be banned from providing Credit Files to others given the breaches and wrong and erroneous credit reporting injuring the consumers.