davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, my name is XXXX XXXX XXXX and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed my bank account abruptly without warning, notification or motive. 
I was left unaware of the situation of closure for no motive like overdraft or legitimate reasons. 
Within a few days, i was faced with disastrous consequences like incapacity to cash my paycheck and incapacity to have access to my funds. 
I contacted immediately the customer service which claimed first that my account was closed by the fraud department then later on that it has been decided that my bank account will be closed at their discretion. 
i asked them to give me a legal, legitimate reason for the account closure, the answer was it is heir right to do so. 
I am in shocked, i don t know what to do.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (WA)

XX/XX/2020, my husband and I contacted Prestige Financial Services to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of XX/XX/XXXX as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our Prestige Account. Again, we called Prestige and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to Prestige requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that Prestige is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old Prestige that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. Prestige acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VI)

I asked this company multiple times to send the request information since XX/XX/XXXX. The company claim they sent it on XX/XX/XXXX. No information still. I'm requesting again the initial letter with the XXXX account information. The company havent sent me nothing your company havent provided documents. Since you havent provided no documents and upload them here. I dont want no further communication from your company. I have asked multiple times and no information was sent to this address.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and Experian are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XXXX XXXX
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Hello She was induced to purchase ETH on coinbase and then transfer the coins to a wallet. She met this person who induced her on XXXX. This person told her to download the XXXX application and transfer her coins to that wallet. She made several transfers in XX/XX/XXXX totaling XXXX USD at the time of transfer. In XXXX ETH had an increase of value of approximately XXXX XXXX. She downloaded the application on her phone. However, when she tried to withdraw her coins, she was not permitted. The wallet application has now blocked her from accessing her account. 
How it started Date fraud began : XX/XX/XXXX Payment Used : Cryptocurrency ( ex. Bitcoin ) Amount I was asked for : Amount I Paid : {$180000.00} How I was contacted : Social Media ( ex. XXXX, XXXX )
Consumer complaint received 2021-02-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Title Clearing, Inc. (CA)

Because the fact I found there are some Robo-Signatures affecting the title of my property located at XXXX XXXX XXXX XXXX CA XXXX original caused by this company NATIONWIDE TITLE CLEARING INC. This company has been investigated in the past for the same I experience by 2 State Attorney generals. 
The end result has been I'm experience a Property theft without no Local, or State Agency willing to take my inquire complaint against this company. 
I asked them in a friendly manner to remove those fraudulent documents recorded in the County records they ignored and rejected my request, I File an inquire with the CA State Attorney Office ( attached ) as well ( I'm attaching the 2 consent orders from Illinois State AG and Florida State AG as precedent ). They didn't want to investigate this issue I reported as a California Customer Consumer. 
I'm trying to expose here I been a victim of White Collar Crime. I want someone assist me in order to protect my property. 
I understand because the Fact existed Robo signatures performed by NATIOWIDE TITLE CLEARING INC 's Employees all the following documents recorded are void plain and simple. 
As I stated against the Companies who performed the theft in my property with Null/Void documents even lying to the CFPB in each complaint I opened in the past against them. I would like to a very least to launch a investigation against NATIONWIDE TITLE CLEARING INC FOR RECORDING False/Void Documents affecting the title of my property which its been stolen as we speak.
Consumer complaint received 2023-03-24
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. (VA)

Called Equifax today XX/XX/23 and spoke to the fraud department. My first call was to XXXX who stated regarding confirmation number XXXX, that the information I disputed was verified by the creditor. I asked how the information was verified and was basically told the information was verified by hearsay. Equifax was not able to supply any documentation that validated the debt they are reporting on my credit file. 

I called back to check to see if ANY documentation was supplied on any of my six disputes. I spoke to XXXX who wanted to confirm my address ( which is not correct by the way and probably part of the reason for the fraudulent information ). He proceeded to go through each dispute and advised me that the information was verified by the creditors, again with no documentation. 1 creditor ( XXXX XXXX ) is listed on my report 3 times for 3 different accounts. Two of those accounts I'm getting calls from a different creditor about, so there is no way these accounts are being verified. 

Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Consumer Reporting Agencies bear the responsibility to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources
Consumer complaint received 2021-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The loan process started with Bank of America on XX/XX/2021. 

The loan is still in process and the loan # is XXXX for the loan amount of {>= $1,000,000} The loan has been approved and the loan was locked in at a rate of 2.625 % Bank of America sent XXXX XXXX and his wife XXXX XXXX XXXX, a XXXX XXXX a promise to reduce the rate an additional .25 % if we deposited an additional {$500000.00} with BAnk of America. 

We did that earlier this month and we still have not received the discounted rate of 2.375 % on this same loan number. 

We deposited a check from our XXXX XXXX XXXX XXXX account earlier this month and have a receipt for the deposit. 

We are still waiting for Bank of America to honor their written commitment which we have a copy of. 

We are scheduled to close by XX/XX/2021 and they have not given us the promised rate.
Consumer complaint received 2023-06-12
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. (IL)

On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Citi bank sent me a letter that they gon na close my checking n saving account. the rest of my fund will be mail to address on file but i have been waiting for almost a year. 
When i go to the citi bank branch they told me to call in customer service. i called in customer service many time. 
they told me they are processing but it over a year now since they sent me a letter. 
please help
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

I called Plaza Home Mortgage after my lender shared I have the right to request ( XXXX ) supplemental tax payment from my escrow account. 
I made the call to put in the request on XX/XX/XXXX and XX/XX/2022 and per my notes, I made follow calls and emails regarding the payment. The bill was due by XX/XX/XXXX. I was told it would be taken care of in 5-10 business days and it wasn't. I see dates in my notes of : XXXX and XXXX and XXXX XXXX : XXXX, letters ' from XXXX dating XXXX, an email from them on XXXX actually stating, don't worry, we are preparing the payment. an email on XXXX and XXXX and XXXX. Not only did they pay the whole year when it was only supposed to be the 1st of 2 installments but they paid it so late, they paid {$460.00} from MY escrow account in late fees. It would not have been late had they processed my request from the very beginning or when I made follow up calls and sent emails. they took so long, i have late tax fees on my record and charged them to my escrow account that I did not authorize. They owe me a refund of late fees in the amount of {$460.00}. They made an expensive error and are charging me for it claiming their policy isn't to pay supplemental taxes. However I do have the right to request one ( 1 ) payment and I requested it in a timely manner. They took months to address despite assurances from every customer service rep and escalation manager I have spoken to.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I called CITI BEST BUY CREDIT CARD company asking to lower payment for 11 months because of Covid-19 pandemic, I told them that after these 11 months I will pay full balance on card ( XX/XX/XXXX was promise date of full payment. ) Today XX/XX/XXXX I called them, payed full card bringing balance to zero, but they told me that I was put on a plan to close card after, so my card was closed, without caring the damage that will cause in credit score.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # 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 instructions
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp (MN)

I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
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. (GA)

I have filed a ftc identity theft report because XXXX, has put my information on the dark web, I am disputing XXXX  XXXX and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX  XXXX, this information is fraud I want it removed from my credit report and blocked, my information is being used I have hired an attorney to sue XXXX for leaking my personal information, my social security number and my drivers license number and other personal information, Ive had to dispute accounts on my reports I have not open, the information does match my information because all my information has been exposed by XXXX in a data breach, XXXX and experian please remove this information and block it from my file, this information and accounts are fraud, please no fraud alert
Consumer complaint received 2022-09-29
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. (MO)

I am appalled by the lack of responsibility of the Credit Reporting Agencies. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX Balance Owed : {$170.00} This account has been disputed because of the erroneous information this account reports on my Credit file. How many times do I have to tell you that this account is reporting incorrect payment history? I was never late when paying with this account. I have been recording my own payment records and what they present is different from what I have. I need you to correct this accounts payment history by removing the late payments on the payment records. 
XXXX XXXXXXXX XXXX Balance Owed : {$450.00} This charge off account is reporting inaccurate balance in my Credit Report. Charge off accounts should always report balance as XXXX, then why does this account continue reporting with {$450.00} as balance if this account was already a charge off? I have been trying to correct this erroneous information and yet you have done nothing. I need you to immediately remove this account as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} I do not remember having an account with this company. I have been asking you to provide me copies of proof of ownership and yet you have sent me nothing. Once again, please send me copies of proof of verification or any documents bearing my signature confirming my ownership of this account. Inability to provide such documents should result in immediate removal of the account. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Consumer complaint received 2021-06-09
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. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.