davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (TX)

I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX  and I I uses everything to survivive and I'm still XXXX  in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX and I I uses everything to survivive and I'm still XXXX in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

I was receiving calls from Comenity Bank on my home phone and cell phone. I believed those to be annoyance calls and blocked the caller. I started to get concerned when my son-in-law was contacted by this bank and didn't know how his name or number was linked. I finally took a call from this bank and was told that there was a delinquent account that was opened in XX/XX/2021. I ran a credit report and saw an entry from a credit card that was opened with a {$17000.00} credit line in Missouri. There was an address on the residence information that was listed as the most recent address in XXXX. It was not my address. The other addresses listed were mine and I have been in XXXX  for the past 10 years. All of my active credit cards and utilities are tied to this permanent address with a XXXX  zip code. I have talked to the Comenity Bank fraud division and they said that this looks like fraud and they will investigate. They will be contacting me in the next 90 days by mail or call if they need additional information. The current balance on the outstanding account in about {$17000.00}.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My home is in foreclosure. I just realized my loan originated from XXXX and all the foreclosure documents are robo signed and the company has no legal standing to foreclose on my home. They did not honor my original loan modification and they accepted several payments that were not applied to my loan and were never returned to me, I want the foreclosure reversed. I did not know previously that the assignment of the note was forged by XXXX.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a customer of Bank of America for over 30 years. I got laid off last year and noticed that my savings was going down and now I have been hit with fees. I called the bank and asked them to wave the fees and they declined so I closed my account with the person on the phone... I asked her to put the balance into my savings account and close the account. She said fine. I did not notice that she let {$2.00} in there until I was hit with another fee. First, why would she leave money in there? i asked her to close it and transfer the balance. She was very nice but it is a scam. WHen I noticed that I was hit with another fee I immediately called the bank and told them what happened and tehey would not waive the fee and said the only way to close the account was to pay the fee and then they would close it. Even though It's clear that I was closing the account. Today I had to pay that bank another {$12.00} to close my account. I am now in the middle of putting my pay by checks onto my chase account. This is downright fraud.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

OAC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with OAC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me XXXX XXXX XXXX XXXX  due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Helvey & Associates , Inc . 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for Helvey & Associates , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Helvey & Associates , Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Can someone tell this fraudulent bank that they can not acknowledge then un acknowledge the fraud on my account all of these letters came but no card now wen I finally get my card Im being denied the claims that were approved im confused then they appr Ve XXXX took it from me then they try to say something about a chip for one claim then the next try to say it had been pass so many days must I remind they froze my account until 2021 then started sending me out approval letters letters I ordered my card no card came still they gave me the run around until an angel told me they would make Sure it was done and fixed now this we have been going back and forth for a while now about my account but they are making up anything not to pay out my account and has been making errors as well as stealing funds from me and denying me what Im owed for their lack of protection and buisness profession
Consumer complaint received 2022-06-21
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. (MS)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666 B. A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-20
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. (CA)

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX XXXX # XXXX ) AND ( XXXX # XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Consumer complaint received 2021-12-20
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report on XXXX and I have yet to receive a response. Therefore, I made a complaint on XX/XX/21 on behalf of Experian. Experian responded saying they needed my authorization on XX/XX/21 to proceed with the complaint. I called in to give them my authorization but they said they did not have my complaint on file, which is a lie because I have proof of submitting the complaint. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. It's been more than 90 days. I feel like I'm being taken advantage of and my consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!
Consumer complaint received 2023-03-14
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)

As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.
Consumer complaint received 2021-12-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IN)

On around XX/XX/2021 I called Rocket Mortgage to start a pre-approval for a Morgage. I was in the process of changing jobs as my previous job I could not receive an eligible amount to finance a home and my new job would allow it. I was approved for {$140000.00}. Although I glanced around, I waited uintile XX/XX/2021 when I started my new job before I went to search for a home. 

I found a home on XX/XX/2021. On XX/XX/2021 they came back with a counter offer which was accepted. 

In the process of going through the mortgage process on XX/XX/2021, Rocket Mortgage asked for a good faith deposit of {$500.00} to process the application. I paid my Earnest Money to the broker in the amount of {$500.00} and I also paid Rocket Morgage {$500.00}. This was 2 different tranactions, one in a check, and because the second {$500.00} just sort of caught me on complete surprise, one on a credit card.

The very next day, I was attempting to fill out all of my paperwork. In the one section it asked how many people were going to be living in the house and how many dependents would be living in the house. I was attempting to be completely honest and say that there would be 2 adults living in the house eventually ( after my father sold his house the plan was that he would come live with me ) and 0 dependents. They came back and asked for my fathers income. I explained at this time that my father has a house currently and that it may take anywhere from a month to a year for him to sell it and then it may happen. I also told them if they ever asked for this information again that I would fire them from being my broker. This was XX/XX/2021. 

They allowed me to adjust the adults living in the house to 1 with an explanation letter explaining this. This was on XX/XX/2021. 

On XX/XX/2021, they called me and demanded my fathers 1099 because there was a potential that he would be living with me after I got the house with the explanation being that he would be my dependent afterwards if he moved in with no income. 

My father is XXXX years old, a military veteran, someone who just lost his wife to XXXX in XXXX after she was diagnosed with XXXX in XXXX. I fired Rocket Morgage on XX/XX/2021 for there practices. 

On XX/XX/2021 I received an email from Rocket Mortgage attempting again to give them my fathers information.
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for the XXXX XXXX. I was denied. This goes against 15 USC 1691 and 12 CFR 1002. I can not be denied credit through credit score, credit history, or income. Any adverse actions in a consumer credit transaction is illegal.
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-06-27
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: CBC Companies, Inc. (NJ)

I see on my report it shows factual data as the name it comes under when I called the number associated with factual data they directed me to XXXX XXXX XXXX, I never even did a pre qualification with this company and someone either used my name or somehow they got a copy of my credit report