davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2020, I faxed a letter to XXXX  XXXX XXXX after a conference call with their service representative, and a representative from XXXX XXXX XXXX XXXXXXXX XXXX. The letter and call were designed to explain to XXXX  XXXX XXXX that during the process of paying off my loan with them, the dealership ( XXXX XXXX of XXXX XXXX ) made a mistake and misapplied the payoff payment to another customer 's account. This was not my error. 

*I purchased a new car in XXXX and during the same month, paid off XXXX . The misapplication of the payment erroneously triggered a late payment for me, reporting for XX/XX/2020. 

After initiating disputes regarding this matter, the credit reporting agency, XXXX, has inserted a late payment for XX/XX/2020, even though the the loan was paid and closed before XX/XX/2020. 

Equifax has inaccurately reported the payment history on this account. It reports late payments, with a date of first delinquency of XX/XX/2020 after the account was closed. Again, requests to have this properly investigated have failed. How can my account report late payments before the date of first delinquency of XX/XX/2020? 

I have a right to have the information updated or corrected to reflect complete and accurate information. Otherwise, the account must be deleted. Neither CRA XXXX or Equifax has complied with the law. They have not properly investigated my disputes. 

Here are the violations I am asking to be investigated against XXXX  and Equifax : 1. Failure to provide me with the information used to determine the result of their investigation. They have provided me with any documents from the furnisher ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Consumer complaint received 2020-07-06
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. (NC)

I previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with XXXX and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since 2005 I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.
Consumer complaint received 2020-07-06
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 previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with XXXX and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since 2005 I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.
Consumer complaint received 2020-07-06
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2020-07-06
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A few years ago I had used a organization called XXXX to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/2018. The service provider that provided the mortgage through XXXX was Bank of America. The issue I have is that I used the HAND  process through XXXX to perform renovations on our property. During this process the XXXX Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me.
Consumer complaint received 2020-07-06
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. (AR)

I WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I was on my break at work. I looked my email and saw that I was being notified about a XXXX item I purchased and the email had the XXXX logo. I reacted and callled the XXXX number on the Email. I said that I was reading I was being billed approx. {$1600.00}. I called the XXXX number in the email and spoke to a man who said he could help I explained that I had not charged anything and that charge was not me. He said that he could help, and if I could download an app. to add the number XXXX, he instucted also me to enter XXXX and that security would to located the problem and the money for the computer hardware or something like that, would be returned to my XXXX account. During this conversation Detective XXXX XXXX from XXXX PD and whom I work with over heard the conversation and said to hang up its a scam. He also, took the phone to ask questions and to figure out where the call may really be coming then hung up the telephone. I called XXXX and they said the had no record of anything be purchaged on my account. That's when I realized I had been scammed. I immeditately went called the bank and then went to the Branch to close my existing card and was given a temporary card. After that I kept looking at my account and say that {$490.00} was being processed and called and ask them to stop the transfer, and was told they could not. I asked to be covered as in the past when I lost my card or when it was stolen from my purse and used at XXXX. I asked if I needed sign and affivdavit, and was told the bank no longer uses affividavit or signatures. 

I waited until the day I was supposed to be refunded back to my account and called. At which time I was informed I was not getting my money because I signed an E signature which means I was a part of the scam. I explainded I work with the XXXX PD. XXXX  XXXX XXXX walked in when and heard my conversation told me to hang up it's a scam. 
I also spoke to 2 different supervisors at Peoples United Bank who both said the decision was final because I E signed. I told them the man told me to enter XXXX and I did not connect that with a signature and I was not giving permission to just give my earnings away. I was under duress becasue realized I had been scammed.
Consumer complaint received 2022-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A Bank of America card was opened with my information. I was notified by XXXX XXXX. I did not apply for this card. I notified them it was verified that the wrong address was applied to this account. The card has been locked no funds were utilized on this account.
Consumer complaint received 2020-07-06
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. (AR)

I WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT
Consumer complaint received 2020-07-06
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. (AR)

I WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX I went to my financial institution for help with my credit. I signed up for a secure card for {$300.00} and another for {$420.00}. I was a XXXX XXXX XXXX working full time as well. As the year went on my education needed more attention so I cut my hours at work. In XXXX of XXXX I fell behind in my payments and could no longer continue to pay on this card. I reached out to Fifth Thrid multiple times explaining my situation. I was told in XXXX that I could put the {$300.00} I used to open the account towards the balance due. Ive been agreed because that would help me with both accounts. Well XXXX I noticed that I am still being charged late payments for only one secured card and not the other.They applied my money towards the balance for only one card but not the other. Since XX/XX/XXXX Ive havent resolve this issue and I am unable to speak directly to the department that needs attention. Please help me resolve this issue. Thank you
Consumer complaint received 2020-07-06
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}
Consumer complaint received 2020-07-06
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}
Consumer complaint received 2020-07-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of 2020 allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I would like to report XXXX XXXX XXXX XXXX XXXX  due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies  that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and XXXX XXXX XXXX XXXX XXXX  is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Consumer complaint received 2020-07-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (CA)

Fraudulent Foreclosure eviction of XXXX, by OCWEN, being the Servicer to the Original Issued United States Note Application, which ought to have been settled at closing table, from the delivered Credit Check equivalent to the United States Note Application applied. 

Upon the acceptance to fill out a Application for Qualification, to act as Indenture Trustee under the dead-pledged mortgage or deed from trust indenture, under which the Social Security has been issued to be eligible to secure act, which is the case from any Social Indenture Security, that is not required to be registered under the Security ACT of 1933, and includes to confine an allonge to the application for qualification, which creates an automatic set-off compensation, U.S. Note Application, for Federal Reserve Note.
Consumer complaint received 2021-07-31
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. (GA)

The other consumer reporting agencies have removed and blocked the inaccurate accounts that were being furnished on my consumer report. I have attached the proof that they have done so. I expect that this be processed immediately so that I do not endure further damages from your reporting of this inaccurate information. Your failure to positively verify these accounts thus far has hurt my ability to obtain credit during this pandemic which is unfair to me and my family.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent multiple credit disputes with these companies asking them to investigate items on my credit that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results have not abused by these laws.
Consumer complaint received 2021-12-07
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. (TX)

My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX  to me and my family in a global pandemic.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (OR)

In XX/XX/2015, my credit card ( JPMCB CARD ) incorrectly reported me delinquent for the next 4 months due to their transition to online accounting. I was not using this card and did not have any charges on it. The yearly fee for the card was posted to my account but statements were not being sent to me. I had other accounts with this company that were current and fine. I realized I was " delinquent '' in XX/XX/2015 and closed this unused account. It turns out they stopped paper statements and transitioned to email statements. They had my email address incorrect but did not contact me to make sure this new way of statements was working. No statements were being received by myself and multiple delinquencies were posted on my credit history. I have no other history of delinquencies. I tried resolving this issue with JCMCB to no avail. Can you please help?