davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: CORELOGIC INC (AL)

I wrote XXXX XXXX about the accounts on my report belonging to my brother for the vehicle he now has and previously had and traded for newer trucks and XXXX. They never responded nor removed his credit checks off my account. I've never owned a XXXX door truck, XXXX  or XXXX XXXX XXXX XXXX. I own a used XXXX XXXX XXXX XXXX which is financed through XXXX XXXX XXXX. His credit checks for his truck which he traded was through XXXX dealer service is on my credit report. His XXXX  which was through XXXX is on my report and his now XXXX XXXX XXXX XXXX is financed through XXXX XXXX XXXX XXXX is on my credit report. These are all dated XX/XX/XXXX. There's a Credco on my report which I have no idea what it's for and XXXX XXXX XXXX on my credit report also that showed up the first of this year along with everything above. But I don't understand why they put these on my report this year they weren't on my credit report last year. We don't have the same social security numbers, we just share the same address. We are brother and sister, I'm XXXX and he gives me a place to live. I had really good credit before this got added to my report. It dropped my scores XXXX points. How fair is this to me?
Consumer complaint received 2016-12-14
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-11
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PURSE ALONG WITH PERSONAL INFORMATION AND LATER OPENIED UP THE FOLLOWING FRAUDULENT ACCOUNTS : 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 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation (TX)

On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation (CO)

I have reached out to Albert banking institution first attempting to remove my XXXX  account that was linked to this savings account. With the abysmal customer ( lack of ) support I received it escalated to mt request to withdrawal my savings and close my account. I have spent 44 days attempting to do so. The customer service agents just keep giving me the run around - only stating the same response over and over again and thank you for your patience. They have almost {$3000.00}. They say my check is in the mail but has not way to track, however when I reach out they say they see the check is en route so give it more time. When I question how they can see that is the status when I was told there was no way to track they do not respond. The only way to speak to someone is via text message. They say they do not have a phone number to call for assistance. I was clear from the start I needed the money to pay a bill due XX/XX/XXXX. It should not take 44 days to withdraw money from your savings account.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (UT)

Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Other — 
Company: REGIONS FINANCIAL CORPORATION (GA)

i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.
Consumer complaint received 2023-08-11
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)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NC)

On XX/XX/XXXX I purchased a vehicle from US auto sales. The location at the time was XXXX XXXX XXXX, XXXX, NC XXXX phone number XXXX. I traded in a car and received a down payment credit of {$3200.00}. the vehicle I purchased was a XXXX XXXX XXXX XXXX. The purchase amount was {$20000.00} and was financed in a contract with US auto sales at the time of the purchase. I purchased a vehicle service contract and gap insurance, which was agreed to be paid in the car payment that I make biweekly. The vehicle service contract was totaled in the amount of {$2300.00} and the gap insurance was {$690.00}. With this being said my payments for my car to is {$210.00} biweekly. US auto sales in turn shut down this year ( XX/XX/XXXX ), and I am still being held responsible to pay for a service contract I can no longer use, as well as gap insurance that I can no longer use. Us auto sales transferred their debt over to Westlake portfolio management. At this time I had to send in a letter for debt verification to Westlake portfolio management because I did not sign a contract with them. I signed a contract with US Auto Sales. US auto sales has breached that contract. I am wanting to know what can be done about this issue? I should not have to pay for a service contract I can not receive services from. Even though I signed for it, i no longer am able to receive either coverages put yet I am still expected to pay for it. In regards to this matter I have reached out to the Attorney General of North Carolina and the FTC. I am asking that you help seek a solution to this irresponsible matter. I do not want to give my hard earned money to a company who is doing nothing but taking my money. I understand my financial responsibility to pay for a car, but it is also their responsibility to hold up their end of the contract that i signed and not to breach it when I signed for a vehicle service contract and gap insurance. It is also unfortunate that US auto sales is the lienholder on my car. Therefore, I can not trade it or sell it. If there are some possible suggestions that could be given to me on what should be done in this matter, could you please reach out to me as soon as possible? thank you.
Consumer complaint received 2023-08-11
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. (MD)

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

Company : XXXX XXXX XXXX My Email : XXXX My phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX My car was totaled as of XX/XX/2023. I had liability insurance so XXXX XXXX placed XXXX insurance ( comp. and collision ) on my account. I opened a XXXX. Claim on XX/XX/2023, and I have XXXX insurance that was placed on my loan as well. I have been paying on time for the last XXXX years. An accessor deemed my vehicle totaled. I was then given a voicemail in XXXX that my claim would be closed due to XXXX Auto didnt fund or make a payment on the XXXX insurance. My account was then transferred to XXXX. So, my vehicle has been sitting totaled at an auto body shop for several months now and the shop owner is wanting storage fees. The vehicle is in CA at this shop and XXXX still getting collections calls and emails from XXXX to make a car payment and no help on my claim. My claim number for XXXX was XXXX. I appreciate your help and immediate attention to this matter.
Consumer complaint received 2023-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (CA)

Since XX/XX/2022, Jefferson Capital has repeatedly used deceptive, false and misleading practices. They first tried to collect a debt in California even though they were not licensed in the state to properly conduct business. They also threatened to sue me, told me to seek a lawyer and told me the account is being sent to a lawyer but then stated maybe not which they can not make that assumption which would be considered a threat not an action. This company is using shady and harassing business practices and should be fined.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Upgrade, Inc. (NJ)

My card is with Upgrade Financial. It is a XXXX XXXX. 

Back in XXXX my Bank account was hacked, and as a result Frozen. I have made payments to keep account up to date after Bank gave new account number. 

Upgrade told me they we goong ot reinstate card so long as they got the feed which states that all other accounts were current, which they have been. 

The lied several times in this regard. I have asked for customer manager to call me back but they have not. 

I need the credit privileges as the hacking was not my fault. 

Company fails to respond.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Consumer complaint received 2023-08-11
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: JPMORGAN CHASE & CO. (SC)

I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : JPMCB CARD SERVICES XXXX JP MORGAN is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( JPMCB CARD SERVICES ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a certified letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.
Consumer complaint received 2020-04-25
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. (TN)

Equifax refuse to do proper investigation and providing valid verification for inquiries fraudulently done in my name. I provided them my Theft Identity report which still came back verified. These following 10 inquiries are fraudulently reporting on equifax : 1. Dept of Ed ( XX/XX/XXXX ) 2.XXXX XXXX  ( XXXXXX/XX/XXXX) 3XXXX XXXX ( XX/XX/XXXX ) 4XXXX XXXX XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6XXXX XXXX  XXXX ( XX/XX/XXXX ) 7XXXX ( XXXX, XXXX, XXXX ) 8XXXX XXXX XXXX XXXX, XXXX-XXXX  ( XXXX XXXX ) 9.XXXX XXXX XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) 10XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) Equifax refuse to do proper investigation verifying saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. Also, I have sent letters in XX/XX/XXXX and XX/XX/XXXX both times not being verified or showing proof.