davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (MO)

I am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX Owed : {$370.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXX XXXX XXXX Balance Owed XXXX {$370.00} ACCT XXXXXXXX XXXX  XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

I had a COVID-19 loan forbearance with XXXX that was set to expire on XXXXPrior to that date a company called Gregory Funding bought the loan . In XXXX I contacted them prior to the end of XXXX by phone ( very difficult company to deal with they have 6 hour hold times on average ). I was told that I would be put on a streamlined program which would basically have me start making my normal payments of approximately $ XXXX as usual. I didn't hear from them for over a month then received loss mitigation paperwork. I contacted them by phone again in XXXX and was told to fill out the paperwork and that even though my loan is an FHA loan Gregory Funding does not have to follow federal guidelines because they are not an FHA company. I asked to speak to a supervisor and was told one would call me back. That has not happened. In the meantime I have received a 'notice of intent to foreclose ' letter and they intend to foreclose on my house on XXXX XXXX. According to your website the company needs to work with my to offer a payment solution and can not simply ask for me to pay the entire sum as a lump sum. However that is exactly what they have done. I believe that Gregory Funding is a predatory company that is specifically targeting houses in Florida trying to take advantage of consumers who utilized the federal COVID-19 forbearance program. Please help me.
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Has all 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other 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 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I disputed this account with Equifax on : XXXX XXXX, XXXX ; they have not gotten back to me. This account was removed from all XXXX of my credit reporting agencies sometime back in XXXX ; it was added back on my Equifax on : XXXX XXXX, XXXX ; without my knowledge, I will also state, this account was paid in full in XXXX XXXX.
Consumer complaint received 2022-11-21
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)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to update immediately : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX  will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


Experian will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-30
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (IL)

I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.
Consumer complaint received 2022-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

This company furnished my credit report without my consent. Equifax sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, equifax sent me in the mail but STILL havent updated my equifax credit report
Consumer complaint received 2020-01-15
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. (TX)

I have two credit card accounts on my credit report that were not mine. The two accounts were opened in 2017. My info was breach by equifax. I have filed several disputes, just to get told they would not be removed. I was told disputing would not hurt my score. Right after dispute my credit dropped 56 points. No changes from previous score except I filed a dispute. I have called creditors and told I could pay to have it deleted if I paid 90 % of the balance. I was told it was better to pay because Id wind up paying more in interest for things like buying a car etc. I was told and it is stated by each bureau that a dispute does not hurt your score. Why did my score instantly drop 56 points. You call reporting bureaus they tell you a credit repair agency can help. They cost 10 times more than the accounts that are not yours. They ask for paperwork ... I dont have paperwork ... I didnt open the accounts. I went to file police report ... couldnt prove it was a crime. What the XXXX! They put things on your credit report so you are convinced to pay for a deletion or pay for the credit repair services that adds up to more than the accounts on report. This is bull XXXX. Im having and forced to pay extremely high interest rates, refused loans to take care of emergencies. Insane credit card interest rates just to build positive credit. The two accounts in collections are not mine!!!
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NJ)

XX/XX/XXXX, theft occurred with XXXX XXXX of 2 mobile phones. The perpetrator used email XXXX and phone XXXX ( neither belong to me ) in order to purchase two mobile phones using my stolen credit card number. On XX/XX/XXXX i noticed a fraudulent charge on my XXXXXXXX XXXX card for {$220.00}. I reported to the credit card, and after their investigation XXXX bank removed the charge from my account and issued a new credit card. Later in spring of XXXX the collection agency, Sunrise Credit, contacted me to collect {$3000.00}. This is when i realized there was a case of Identity Theft since the collection was associated to my social security number. 

Local police report was filed on XX/XX/XXXX with the XXXX Police Department. 

I contacted XXXX XXXX customer service, i visited their local office, and mailed them the same information described here. They would not take back the phones, they would not stop the collection agency. I have not yet heard a response from the letter that I sent. I also sent a letter to Sunrise Collection Agency and called them, resulting in no response or assistance in resolving. 

Lastly, I contacted XXXX because Sunrise Credit collection agency is on my credit report and is negatively affecting my credit score. I sent a letter to XXXX also disputing this collection and asking for the removal from my credit report. I have not heard back from XXXX on this as they are still researching.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AMCOL Systems, Inc. (OK)

I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (FL)

On XX/XX/XXXX, I opened an account. I deposited a {$100.00} check via the mobile app. A few days later I transferred {$10000.00} from another bank account. 10 days later they suspended my account and will not give me my funds. They want my to provide a w-2 form plus a copy of my tax return. I dont want to provide this information as this is a new bank and Ive had identity theft in the past. Also, in all my years of banking Ive NEVER had to provide a tax return and a w-2 to open a checking account. I just want my funds and my account closed and never do business with this bank again. Had they not opened the accounts until I provided this information I would have not opened the account and would not have sent them my money. Ive tried to contact the bank several times and they are not willing to help.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a promotion for a Citigold account that would offer me XXXX XXXX miles. I completed all the requirements and waited for over 90 days ( as stated by Citi ) and I still have not received my bonus miles. I had confirmed with their customer support through secure message that I am qualify for the bonus before I completed all the requirements. I even have a letter stating I am qualified to receive the bonus miles. However Citi is refusing to credit my XXXX account with the promotion miles that they had promised initially. I am now filing a formal complaint against Citi. This is a bad practice by Citibank.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TN)

After looking over my credit report I noticed that there were XXXX late payments reported by Macy 's. XXXX XXXX and XXXX XXXX. I spoke with a representative in XXXX advising them that there was fraud on my account and I did not make the purchase to put the balance on there. They stated that they would remove the late payment reported. Same instance with in XXXX XXXX, I received a notification that I missed a payment. After I tried to make the payment and was told that the XXXX option on their website was having issues, I told a representative that I should not make this payment because their was fraudulent activities on my account. I was refunded the amount I paid and told that the late payment would be removed. After glancing over my report XXXX XXXX. I notice that these negative reports have not been removed. I called and spoke to a macy 's credit representative that stated since the fraud case was not investigated, they reported accurately, and there is nothing they can do about it because of the amount of time I waited. They did not report accurately and they have failed me as XXXX of their loyal customers. These payments should be removed due to the fraud that I reported the moment they where committed.
Consumer complaint received 2022-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Last year during Texas winter freeze my house suffered significant damage due to 3 pipes bursting. My insurance company issued a check for over {$81000.00} for damages to home. 
Check was then sent to Loancare LLC, they stated i needed to find a contractor to fix home as they will be disbursing the checks. Our contractor was given a first check of {$40000.00} which was half of the quote. As Loancare LLC inspected the house they stated I was at 38 %, the contractor was informed that they will not be receiving any more checks due to not being at 50 % of work. Construction workers showed up to my house and they camera caught them stealing the materials ( sheetrock and lumber ) as well taking prostitues and having parties in my home. When confronted the contracted and workers never came back to work. As i contacted Loancare they specified there was nothing I could do at this point but buy the materials and pay out of pocket and they would reimburse me. I would no longer be able to hire a contractor as there is not much money left. I had to hire handypersons to work on plumbing, painting, siding and tile work. I have been paying out of pocket and have had trouble for this company reimbursing me back. The check released afterwards I had to make multiple phone calls and was told to pay everything out of pocket and when house is complete they could reimburse me. I don't have extra money on my bank account much less {$40000.00}, this past month i was late on my mortgage as it reflected on my credit report because this company took over 6 weeks to send me my check back. I have some outstanding receipts that they have not paid me and have been very clear that this is money that was given to me from my insurance company. I don't believe what they are doing is right, I am unable to pay for home repairs as well as mortgage at the same time. They lied to me stating they would reimburse once I paid the handyman as well as material and now they are backing out and they still have money that the insurance sent.
Consumer complaint received 2022-11-21
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, you have continued reporting some of the accounts and information that was already been removed from my Credit file from other Credit Bureaus. If you believe that the disputed accounts and information belong to me, I require you to send me copies of proof of verification. In the event that you can not find any documents supporting your claims, immediate removal of the disputed items is expected.
Consumer complaint received 2022-07-20
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. (IL)

I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

I made a transfer with Remitly and within 40 min I canceled the transaction. This happened Sunday XXXX the XXXX and now they are telling me that it will take 10 business days to get a refund from them. I spoke to my personal bank ( XXXX XXXX ) and they are telling me that once the funds are refunded they immediately deposit it into my account. So, XXXX not my banking institution that is holding my funds. Is Remitly.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a auto loan maybe a year ago and I see inquiries from multiple companies on my credit report that I did not approve I also see multiple credit card inquiries that I knew nothing of and inquiries that I'm not even sure what they are for that are reporting on my credit. 
XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I am writing this complaint to ask for help one last time. I have been in a continuum of crime, which includes the fraud that I reported to Wells Fargo months ago. I don't blame Wells Fargo for my victimization ; on the contrary, I had hoped they would help take the offerings I provided, and use what resources they might have to get actual professional validation of my claim, which would then bring justice. I have all but given up hope now that I am going to be afforded my consumer rights and be given my stolen money back, but I am asking once more for my money to be returned to me by Wells Fargo. I don't know what else I could have done to assist WF regarding this matter, but I did everything I could think of. I still need help, but nobody seems willing to stand up for me. Despite the overwhelming evidence I have of the unbelievable victimization I have endured, I am no closer to being validated in the administration of justice, then I was when it first began. The people who have done this have destroyed my life, and their method of victimizing me is truly brilliant, because they have gotten away with a horrific criminal spree ; and thanks to the lack of investigating by law enforcement, and now my bank, they have also been paid handsomely with my own money to do so. It is unspeakably frustrating to know that I have offered up the proof of the fraud, and of my victimization in general, yet nothing seems to help me at all. Unless Wells Fargo affords me my rights as a consumer, I will have no other option at this point but to seek legal representation to assist me. I know once that happens the CFBP can no longer assist, alas, the CFPB hasn't changed much about the outcome of this situation. I am grateful for the help both the CFPB and OCC has  offered to date. I am providing further substantiation with this complaint that I tried to enhance for better sound quality. It is more evidence of the fraud for Wells Fargo 's meticulous review. I certainly hope it helps, however there is three open complaints already ; two of which WF hasn't even responded to at all. I have tried to upload several other audio and video files here but they exceed the amount allowed. What more can I do?