davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

Penn credit h as an account there saying was opened  XXXX   XXXX     2017  in the amount of  XXXX  dollars.   I have never had an account with penn credit or the company there pertaining to. Please provide proof with my signature authorizing this account to be opened or please advise penn credit to remove this account from my  XXXX  reporting credit agencies.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NV)

Hello, There is a new credit reporting company now called Sage Stream, LLC based in XXXX XXXX, CA. The company offers no online dispute and wants information that they should not need to get a credit report. You have to mail them the following. Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address None of the other credit reporting agencies need information to this extreme. I have never heard of these people so i am not sending everything from my whole life to them to get a credit report.
Consumer complaint received 2017-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX  on a XXXX  XXXX in XXXX, GA. While XXXX by XXXX   attorneys some XXXX people at XXXX XXXX  repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017.  Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX  for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (TX)

While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit agencies.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This complaint is an add-on to my  XXXX   XXXX  compla int re Equifax credit reporting agency because for the past 2 weeks I 've been unable to log into my cfpb a ccount and the password reset links sent to me are non-working.   Equifax is reporting personal information on my credit report that is incorrect and or outdated. Equifax does not need to report addresses that are more th an 7 years old. I h ave never had an address that included  XXXX   XXXX  Equifax is reporting various names for me that are not my name. It is reporting incorrect and/or long outdated employer info. I am retired. Equifax is including a partial social security number on my credit report which makes it that much easier for someone to steal my identity. It also reports my full middle name, which I do n't use on any of my accounts. The more unnecessary info that Equifax displays on my personal credit report, the easier Equifax makes it for identity thieves to use my identity to file fake tax returns, etc.
Consumer complaint received 2018-06-01
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. (SC)

After reviewing my credit reports I notices several medical accounts and an auto account that did not belong to me and was a result of identity theft. In XX/XX/2018 I sent the 3 credit bureaus a letter, a copy of my identity theft affidavit and supporting documentation. However, they continue to violate FCRA section 605 and did not remove the items. The following accounts are still be reported on my account by XXXX  and Equifax and are a result of identity theft. 

the fraudulent accounts being reported on XXXX are : XXXX XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX, The fraudulent accounts being reported on Equifax are : XXXX XXXX XXXX XXXX account # XXXX with a balance of {$26.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$56.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$40.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX Acct. # XXXX with a balance of {$100.00}, XXXX XXXX XXXX acct. # XXXX with a balance of {$150.00}, XXXX XXXX Acct. # XXXX.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MI)

Who : Chase Levys and Holds Division When : XXXX XXXX, 2017 Why : Collection request from Michigan Department of Treasury for due income taxes What : Hold on Pre-paid credit card exceeded the amount available for hold - Chase Bank levies and division violated my rights by placing a hold on my prepaid credit card for {$250.00}, ignoring pending changes on the account and thereby causing an overdrawn balance. - Chase bank 's legal department repeatedly proclaimed that a deposit was made to the account in the amount of {$300.00} on XXXX XXXX, 2017, which in fact a transfer was n't made until XXXX XXXX, 2017 ; a day after the levy processing. - After repeated calls over a period of 3 days trying to get Chase Levy and Holds Division to verify the correct date of the {$300.00} transfer ; I finally has to get my branch to conference in with them and verify that the transfer was in fact on XXXX XXXX, 2017 and NOT on XXXX XXXX, 2017.
- Chase still refuses to correct the account to reflect that the account did not have the {$250.00} they are holding for levy. - I further accused the of deliberately falsifying the account statement to justify the {$250.00} hold, and requested an investigation by senior management.
- Chase levy and hold department then came up with the excuse that a charge in the amount of {$330.00} was not paid ; but the bank branch confirmed that the charge in question had cleared on XXXX XXXX, 2017. Therefore ; the {$250.00} was clearly not available at the time the hold was placed.
- Chase Bank 's Levy & Holds department have repeatedly falsified information on the account, and flat out lied about the amount available during the processing of a levy on my account.
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (TX)

they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (AL)

Hello I have reached out to Equifax several times in regards to the  13  inquires I have on my account which does not belong to me I have no knowledge of these inquires and would like them to be removed immediately. I 've sent on several occasions to Equifax the below mind you I have no inquiries on my   XXXX   report at all as far as these inquiries Equifax has.   I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : Firm offer of Credit, Insurance, Employment, or Court Order
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (KS)

I have disputed with the credit bureaus and Barclays Bank of DE on numerous occasions with no success. Barclays has been reporting a balance of {$820.00} on my credit report on a charge off account that they have written off and sold to a collection agency. I have disputed the fact with them that they are reporting a balance on an account that they have sold to a collection agency and have written off. I have also tried to get this account resolved by sending them a check ( including pictures with my complaint ) the check was in the amount of {$50.00} along with a letter stating if they cashed this check this account was considered paid in full and would be removed from my credit report. I also wrote this on the check. Barclays cashed my check and updated my account by applying it to the balance therefore changing the balance on my credit report to {$770.00} which was not what the terms stated. I am asking that this account be removed from my credit report.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Synovus Bank (FL)

1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (HI)

On XXXX XXXX 2017, I received a letter from Chase bank that my business checking account will be closed at the end of XXXX. No reason was given, and I called the number and they were unable to give me any information. They recommended I go into the branch where I opened it, which I also did, and still there was no information on the reason or any way to appeal this decision. I use the account for my XXXX XXXX, and I have never overdrafted the account in the 9 years I 've had the account.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MD)

I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (NV)

I am submitting this on behalf of my husband, and his student loan. XXXX has been XXXX since XXXX, 2015. He is XXXX years old. We are NOT sure when he will be released, but we do know that we will only have XXXX XXXX as our income. When XXXX worked he was the owner of a company that provided XXXX XXXX for XXXX XXXX. He XXXX XXXX XXXX XXXX into XXXX. At one time, he was one of only 37 people who could XXXX XXXX XXXX XXXX. He provided a very important service which allowed many students an opportunity for a XXXX XXXX. What are the options since our combined income will be less than half of what it was? Recently, I have submitted paperwork for the loan to be in forbearance, but I do n't think that can go on much longer. Please let me know our options. NOTE : I am NOT listed on the loan, but I do have Power of Attorney to handle all of XXXX 's accounts.