davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX 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 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 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 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 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, fintech, healthcare, insurance, mortgage, professional services, retail, e-commerce, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX, who specialize in bankruptcy process management, end-to-end bankruptcy servicing, bankruptcy research and analytics, and bankruptcy portfolio valuation and modeling. Who obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, you have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my personal information, then sold my personal information to the Transunion ( A Consumer Reporting Agency ). You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Consumer complaint received 2023-03-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I bought a house. Shortly after the close of the sale we had the pandemic lockdowns. I panicked and utilized the forbearance process. At the end of forbearance, I tried to pay my regularly scheduled mortgage payment online, however, I ran into an issue, the loan number on my signed mortgage contract, was not available to pay online, as if it didn't exist, at least on their payment portal. I called Cross Country Mortgage and waited on hold for 45 minutes. The call was answered and some basic information was gathered, my name, my phone number, reason for the call, etc. These questions continued on for a few minutes and then the call was abruptly disconnected. I called back only to repeat the exact same scenario once more. I waited until the next day to eliminate a connection problem on my end, I also ensured that I called from a different location, again, to rule out a problem on my end of the communication. 45 minutes on hold again, only for the call to drop a few minutes after sharing my information. I started to call, wait on hold for no less than 30-45 minutes each time, and I would immediately ask them to call me back if we were disconnected, they never did. Eventually, after months of chronic stress, I received a letter in the mail with my loan number and where I can remit payment. I promptly made a payment. The check cleared and I could finally relax. The next month came, I wrote and mailed another check, which was returned to me attached to a letter stating that I was going to be foreclosed upon. I have done everything in my power to work with Cross Country Mortgage, but it is clear to me that they are not being forthcoming. I have the reinstatement quote low enough for assistance to help me, but the company providing the assistance needs the lender to send a single piece of paper. To my knowledge, Cross Country Mortgage has yet to send them a verified reinstatement quote. I don't know what to do at this point. I am filing this complaint as a last resort. Last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that I am being preyed upon by this company and as far as I can tell, I have no legal recourse, and even if I did, I wouldn't be able to afford it.
Consumer complaint received 2021-05-07
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 recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called transunion, XXXX  and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

Too who it may concern. This is my 2nd mortgage. I'm current on my 1st loan with XXXX XXXX who modified my loan. I fail behind a few years ago and I'm unable to catch up. I paid a 3rd party to help me modified this loan, however they took my money. I'm scared and don't want to lose my home. I'm the only one working and my wife and kids need a home. I reached out to Franklin Credit for help and requested a settlement. My request was denied so I applied for a mod. I was approved, however they requesting a down payment of $ XXXX which I can't come up with. I counter with $ XXXX and I was quickly denied and advised to pay the full amount. My relationship manager XXXX is very rude and aggressive on the phone. I completely understand I owe the debt but I'm not asking for forgiving the debt. I can afford the modification that was offered, however I can't come up with $ XXXX. I'm asking for a reasonable amount for the down payment so my family and I can stay in the property. Please help me save my home. Again, my first mortgage is current and I'm ready to start making payments on my 2nd mortgage.
Consumer complaint received 2021-07-20
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: Bread Financial Holdings, Inc. (OH)

Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at n XXXX address XXXX
Consumer complaint received 2021-07-20
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. (TX)

On XX/XX/2021, XXXX XXXX, added a derogatory mark on my credit report per EXPERIAN. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtor/Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete
Consumer complaint received 2019-10-24
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (PA)

My Experian credit report is incorrect. My federal student loan debt is misrepresented on my credit report with Experian. My loans have been transferred from DEPT OF ED/XXXX to XXXX for servicing in XXXX of XXXX. Both the DEPT OF ED/XXXX former servicer balances are showing as : DEPT OF EDXXXX {$6200.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$6600.00} correct balance is {$0.00} Also shown was XXXX balances were represented as well : XXXX {$6200.00} XXXX {$11000.00} XXXX {$11000.00} XXXX {$6600.00} This doubled the amount of student loan debt on my credit report. My attempts to correct this fact began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. 
Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed. XXXX reported that my account is open, balances of {$6200.00}, {$11000.00}, {$11000.00} and {$6600.00} are correct. Following these calls I sent documentation to Experian to via digital upload to support my claims. The result of the supposed investigation on the same day ( XX/XX/2022 ) was that Experian closed my XXXX accounts that should have remained open because that is the current loan servicer and left the DEPT OF EDXXXX accounts thus dropping my credit score XXXX points.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (OH)

THIS IS MY 4TH ATTEMPT TO GET EXPERIAN TO TAKE MY SISTERS INFORMATION OFF OF MY CREDIT REPORT. THEY CHANGED MY NAME AS XXXX " XXXX XXXX '' AND CHANGED MY BIRTH YEAR TO HERS, AND ADDED ALL OF HER OUTSTANDING STUDENT LOANS TO MY REPORT. THEY SAID THEY FIXED IT, AND IT STILL REMAINS ON MY REPORT. IN FACT, THEY SEND ME MESSAGES THAT HER INFO IS ON HER REPORT. ONCE A MONTH EXPERIAN SENDS ME A MESSAGE THAT MY CREDIT SCORE DROPPED 150 POINTS AND THEY SHOW HER STUDENT LOANS ON MY REPORT, THEN 7 DAYS LATER I GET A NOTICE FROM EXPERIAN THAT MY CREDIT SCORE HAS JUMPED UP 150 POINTS. THEY PUT HER INFO ON, AND THEN TAKE IT OFF, EVERY MONTH.   I HAVE SUFFERED NUMEROUS INSTANCES OF FINANCIAL HARDSHIP BECAUSE OF THIS COMPANY. I APPLIED FOR A REFI ON MY HOME, AND WAS DENIED, WHICH PROMPTED ME TO FILE MY FIRST COMPLAINT AND THEY INDICATED THAT THEY FIXED IT, BUT THEN I APPLIED AGAIN FOR REFI, AND IT SHOWED UP AGAIN. NOW, I TRIED TO REFINANCE MY AUTO LOAN AND WAS DENIED FOR THAT NOW BECAUSE MY SISTERS STUDENT LOANS ARE ON MY REPORT,
Consumer complaint received 2021-11-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my wife received an alert about a purchase asking if she had authorized. She immediately responded NO but got a message back that the issue had already been answered and approved. At this stage we logged into our Chase Banking account and noticed several fraudulent charges ranging from 3 withdrawals totaling {$3000.00} and a {$2400.00} transfer from our savings account. Additionally {$500.00} was transferred from out joint checking into her individual checking. Then a fraudulent purchase to XXXX XXXX for {$2600.00}. These were all tied to XXXX XXXX FL when both of us were physically in XXXX TX ( our home ), additionally neither of us had ever been to XXXX XXXX. 

All of this was reported immediately as fraud to Chase. They advised the fraud was performed with XXXX XXXX and suggested we immediately disconnect XXXX XXXX account and they were also able to disconnect her debit card from the account as well. We were informed the money would be credited back within 12 hours. After the time frame came and went with no resolution we called yet again to inquire and were apologized and told to allow 24 hours to correct. {$500.00} was credited and nothing else. Several days and several hours of calls later on Saturday XX/XX/XXXX we learned nothing had been done and the claims hadnt made their way to any sort of physical person to review yet. Another few days and between XXXX XXXX we received secure messaging that all claims were DENIED. 

In calling again to understand why these were denied we were told it was because all were made through XXXX XXXX and to dispute we needed to have documentation from XXXX XXXX someone compromised that account. Mind you this had never been told or suggested once ever before in this process. We were told that until we receive that information and send they can not review and correct. 

In further researching we have seen that there is an unauthorized sign in on XX/XX/XXXX to our chase banking account from XXXX internet which is likely when the account was compromised first. 

As it stands we have had $ XXXX stolen from us by Chase Bank and have no clue if we will get our money back. This has all happened with a cross country move scheduled in weeks and we are XXXX XXXX XXXX XXXX XXXX. Reported calls complaints and frustration with Chase has led to no results. We are following up with XXXX XXXX as well now that we finally know to but this is a horrible experience. The Customer agent I spoke to after this was all denied finally asked if we live in XXXX and were there in these dates recognizing that all the charges were from Florida and thinking that was odd. Apparently the claims and fraud department didnt think it was and was happy to DENY our dispute. 

Please help us.
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Fraudulent charges of {$7800.00} on business checking account. Initiated online with product picked up in person. Multiple requests to have money refunded due to unauthorized transaction. Wells Fargo very vague in how they determined there was not fraud. Repeated requests to have case reopened and escalated, but no change in outcome. Case remains denied and closed
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MD)

On XX/XX/2022, at about XXXX, I was XXXX XXXX XXXX XXXX who went away with my vehicle and other valuables including my wallet which contained my drivers license and other bank cards. The XXXX  police was notified and the case number is XXXX. Apparently, my ID card has been used to create and loan goods from Home Depot at several locations. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a collections company contacted me with 3 different bills as follows : account number XXXX charged {$3900.00} Account number : XXXX charged XXXX Account number : XXXX charged {$4000.00} I did not make any of these purchases and I do not know if many other accounts have been charged claiming to be me.
Consumer complaint received 2022-12-31
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXXXXXX 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 XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-24
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. (WA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!