davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent Transunion and XXXX  letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: General Mortgage Capital Corporation (CA)

Complaint against Gmccloan There are no direct numbers to contact a manger We have tried reaching several times We were trying to refinance our property between XXXX and XXXX XXXX The brokers involved have increased our loan amount ( fraudulently ) On investigating the broker let us know that thats how they do business On further invitation from us we figured out that they have misled us To begin with the loan amount did not match the actual loan amount The actual Loan amount was {$440000.00} ( mail and text reference to the broker ) Their paper work Revealed that she stated on the paperwork At {$440000.00} During closing ( if we had signed ) The pay off amount was {$440000.00} She still insisted that the new loan will be for {$440000.00} Came up with a story of how it took close to 90 days. Now for any person If that was true {$440000.00} is not equal to {$440000.00} And {$440000.00} is not equal to {$440000.00}. 
Kindly help us and others so she does not do the same to other customers When asked if we will get a credit she was unable to explain and started yelling at us The broker involved uses XXXX discriminatory words This company is defrauding the customers by increasing the loan amount and starting the loan on falsified amounts as well. On our repeated requests to them they did not produce the paper work, finally yesterday before the intended closing the numbers were not matching up, the broker was not ready to resend the paper work back to the underwriting firm, We requested her to repeatedly connect with her superior she ignored the request. On calling the Escrow office it was confirmed that they take the numbers from the broker she alone is responsible for the incoming numbers.

GMCC Loan Brokers Involved XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX Direct Number : XXXX XXXX XXXX NMLS : XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ext XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

On or about XXXX XXXX, 2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their BNY Mellon account # XXXX, Check # XXXX. On or about XXXX XXXX, 2022, I contacted XXXX our of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed 2 days earlier by a person named XXXX XXXX. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for BNY Mellon, as requested, and have now been waiting over 120 days for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from BNY Mellon, because they tell me that I am not the account holder for this BNY Mellon bank account from which the fraud occurred. I am merely the PAYEE. I have been unable to receive any updates from XXXX investments, as they say they are waiting for an update from BNY Mellon. 
As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that BNY Mellon needs to be accountable to me, the PAYEE of a check written from their account, and please reimburse me for the check that they allowed to be fraudulently cashed. 

I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XXXX XXXX, 2022.
Consumer complaint received 2020-12-02
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)

Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX  and XXXX XXXX  XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account
Consumer complaint received 2022-10-18
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (GA)

An account was opened in my name on XX/XX/XXXX with XXXX XXXX XXXX, on XX/XX/XXXX for a XXXX XXXX credit card and on XX/XX/XXXX for a XXXX XXXX  account XXXX All the accounts opened were a result of identity theft. -- -- -- -- -- -- I did not apply for credit with XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX/XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX or XXXX XX/XX/XXXX. I have attached my W2, utility bill, and identity theft report.
Consumer complaint received 2020-12-02
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)

To whom this may Concern I'm a victim of identity Theft. someone stole my identity and open accounts without my consent this is crazy I cant understand how this is possible I'm very upset about this situation and something needs to be done about this, they stole money out of my bank accounts and totally ruin my life I need help so that i can get my life back together
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have disputed a bankruptcy that is showing on my reports multiple times. 

All credit bureaus are reporting this false information and not a single one of them has deleted this inaccurate information. 

This is not my bankruptcy.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TX)

I have accounts that I disputed that they alsaid are correct but they are not. The dates are wrong. Under the FCRA they are to investigate and report 100 % accurate info. How was it accurate if the. Last reported date is wrong and last activity date is wrong. These accounts should be deleted for in accurate information.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I noticed a new inquiry on my credit report dated XX/XX/2020, shown through Capital One 's credit monitoring service XXXX XXXX. The inquiry was related to a Capital One card for a company called Cabela 's. On the same day, I called Capital One to report suspicious activity ; a customer service agent said they'd transfer me to the fraud department, but no one answered, and after I called back again, I wasn't able to get in touch with anyone. 

On XX/XX/2020, I called Capital One again, and the customer service agent I spoke with wasn't able to find any information on my account related to opening a new credit card. They suggested I call the credit reporting agency. 

Later on XX/XX/2020, I called XXXX  and connected with a fraud specialist, who did see the inquiry on my account. They said they would report this back to Capital One, and that if I filed an FTC or CFPB complaint, that I should mail those documents to XXXX 

After this phone call, I logged onto XXXX XXXX, and I saw a new alert showing an inquiry for Capital One / Cabela 's, this time dated XX/XX/2020, reported by XXXX.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a negligent fraud account that was opened in using my personal name and social security number. After disputing this with XXXX credit bureaus, they never responded to my inquiry after I sent them a copy of the police report of stolen identity. A federal trade commission report that I filled out as a victim of stolen identity and after months of going back and forth with them they decided not to respond to my last two letters sent out to them with my signature. It has now been 30 days and still no response from Transunion. This was disputed multiple times. And multiple times they have denied any allegation of fraud even though I submitted to them the suspect who committed the fraud with all of his personal information including his first and last name, ssn, mailing address, birth date and the suspects driver license number. This false negligent reporting is hurting me and my family 's financial progression moving forward. This is just a stall tactic to try and use to get some one to own up to it. The police report was filed with the XXXX XXXX sheriffs office. I need to have this removed off of my credit report ASAP. Not to mention the original creditor actually sold the account to a company called XXXX XXXX XXXX XXXX. If that's the case they sold the account with proof they did and then closed the account but its still reporting on my credit. How can that be the case. Transunion has done a horrible job investigating this matter. That letter is attached with other docs to prove this account is negligent and false. I HAVE NEVER DONE BUSINESS WITH XXXX. WE ARE LIFETIME CUSTOMERS OF XXXX BETTER KNOW NOW AS XXXX.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NJ)

These are the other hard inquires : 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 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I was under Chapter XXXX bankruptcy until earlier this year I had to pay a lump sum to ensure my mortgage was caught up going forward which left me with a surplus on my mortgage account during the months of XXXX and XXXX my mortgage was transferred to a different mortgage company and no one would take my payments due to having had been in chapter XXXX. I tried thru several methods to clear this up but I could not see a statement or speak with anyone at phh mortgage company, I submitted thru money transfer made two payments to phh in XXXX one was for XXXX one was for XXXX and I made the XXXX payment at the end of XXXX the company never applied suspension money to my account that were due on the account and reported that I have a late XXXX payment. Due to the way that they applied the funds that was clearly in my account was not acceptable and they held my money without informing me that it was not applied to my account again I had no statement.
Consumer complaint received 2020-12-02
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. (MI)

While waiting for my unemployment, I was laid off due to COVID. 
I called the company to arrange a later payment due to the pandemic. They understood and agreed. I have since paid everything up. This is my only late EVER on anything and I can't believe this was put on to my credit report. 
I checked my credit today, and I have a late on my report. I want this removed.
Consumer complaint received 2020-12-02
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: CITIZENS FINANCIAL GROUP, INC. (OH)

I filed multiple disputes with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.
Consumer complaint received 2020-12-02
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: Global Lending Services LLC (OH)

I filed multiple disputes with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RENTDEBT AUTOMATED COLLE XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have been rebuilding credit and Working in my credit for the past 3 years trying to clean it up to get a mortgage. Ive tried to work with creditors and tried to work with reporting agencies to the point I just cry and want to physically die. All they can tell me is these old accounts that have been on my account their are no new negative marks and my score continues to yo-yo Ive paid off collections, started new accounts paid them off charged and paid. Ive tried disputing, nothing helps. I recently logged in to my equifax to see a 92 point drop in my score. No explanation, I called spoke with reps and no explanation besides the old accounts that have been charged off accounts that were opened in XXXX and XXXX. I truly understand why people commit suicide over their finances. Ive asked what can I do and the response is keep paying wait 7 years. Ive waited 10 for a bankruptcy to come off Ive been continuously working n my credit but theirs no relief and all I want is a mortgage so I can stop paying the sky rocketing rents where I live but Im just a number to everyone Ive spoken too. When did we forget their is a person behind the number. My life has had struggles and my credit reflects so but their is no relief NOTHING.
Consumer complaint received 2022-10-18
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. (KS)

XXXX  XXXX XXXX XXXX ending in XXXX is in the name of XXXX XXXX XXXX who divorced me in XXXX, XXXX. I had privileges but not authority to cancel my privileges. This account balance is impacting my credit rating. 
/Users/XXXX/Desktop/Final Stipulation - Property Debts XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (FL)

In XX/XX/XXXX, I contacted XXXX regarding an unrecognized account on my credit report from FOREST RECOVERY SERVICES. XXXX  responded back to the dispute indicated they were able to verify the debt however Forest Recovery has never sent me any notifications under the Fair Debt Collection Practices Act ( FDCPA ) that I owe any debt nor did the status of the dispute update. It still a status date of XXXX which means XXXX never investigated and never provided any documentation with my signature on it to legally verify this debt is mines either. THIS IS A CLEAR VIOLATION OF FCRA. 

I did some research and learned the the XXXX XXXX XXXX XXXX died in XXXX. So they are attempting to collect on an account from a deceased doctor and that I have never did business with. 

THIS DEBT IS NOT MINES.
Consumer complaint received 2020-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XXXX XXXX, 2020, Transunion reported to Bank of America that my credit score was XXXX. At that time, Bank of America was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that XXXX score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at XXXX.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My account was permanently limited by Paypal, which is respectfully an unfair decision. The source of funds is XXXX, which is where I receive my pay. The funds were meant to pay my XXXX fees ( urgent ) as well as other bills. The account doesn't necessarily have to be unlimited. I contacted Paypal and they said that I should contact the offices in XXXX which are not available therefore I'm requesting for assistance from the headquarters. It is worth considering that the source of funds is also from the United States of America ( XXXX ). Please assist a dire situation. Thank you for understanding.
Consumer complaint received 2020-12-02
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. (HI)

I am a XXXX  mother and recent widow. I was on an affordable housing wait list in our community. In XXXX my credit was pulled Trans Union XXXX XXXX ( XXXX  ) and approved and we were put on the move in list. We packed our entire house and we were calling weekly for a move in Date. In XX/XX/XXXX I received an alert that my credit had been pulled again via Trans Union XXXX XXXX ( XXXX  ) and I also received an email the same day that we had now been moved into denied status with ( XXXX  Housing ) affordable housing. After reteaching and receiving a copy of my Tenant screening report, I saw that they showed 2 eviction filings under my name. One of which was not in the state I live in. I disputed with them and told them I have never had any evictions and I've only lived at my current address in XXXX Hawaii since XXXX. This is a terrible situation to be in because I have been taken off the waitlist for affordable housing and lost our unit. We had already given notice at our current property. We are at risk of XXXX. I expected the items to be removed after the dispute but I just heard back from trans union XXXX XXXX  that they show one as a dismissal in Hawaii and the one from Florida is still on my report. I don't know what to do because I cant get any information from a state XXXX miles away where I don't live. I believe my name could have been used and this could be identity theft ( fraud ). I have never had an eviction.