davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries. 
XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-30
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. (GA)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-01-30
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. (TN)

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX
Consumer complaint received 2023-01-27
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2020-05-20
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: EQUIFAX, INC. (FL)

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have been having an ongoing dispute with Portfolio Recovery Associates that has been running for over a year now without resolution. They are reporting when I have never entered into any agreement with them or been provided any services by them. They have never verified the alleged debts that they are claiming. They are collecting without any permission. In fact, the accounts they are claiming to be collecting on dont even exist on my credit. Despite PRA stating the limited documentation they mail in response to me establishes validation they havent accomplished that yet to date as emphasized in the many disputes and complaints I have filed against them. 
That said, I was pleased to find that they were closed and removed from my XXXX   credit file as of XX/XX/2020. I am hopeful that these accounts stay off of my credit for good in keeping with PRAs failure to properly prove these claims. I also am putting this complaint through to the CFPB in the hope and expectation that these accounts will be similarly removed from my XXXX  and XXXX credit files in the same way that they have been removed from XXXX  and that they permanently remain off my credit reports.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2020 - Made a balance transfer from my American Express Blue card ( {$940.00} ), and a balance transfer from my American Express XXXX card XXXX {$2200.00} XXXX. XXXX made both transfers on XX/XX/2020. 

The XXXX balance was immediately shown on my account for the American Express XXXX card. It's been a week later, and nothing is shown in my account for the American Express Blue card ( Account number XXXX XXXX XXXX ). 

I reached out to XXXX, and they told me that the transfer was completed. When I called American Express at XXXX, they told me that there was no transfer. I offered to email the representative documentation from XXXX, and was told I couldn't. 

Whether intentional or not ( probably unintentional ), I feel that I have just been swindled for XXXX. American Express is not interested in any proof that the balance transfer occurred, and the representative was talking down to me like I was a child. Once this episode is over, I plan to cut up my American Express cards, and withdraw all my money from the savings account I have with them. In the mean time, I am just looking for a little justice here, and having MY money that was taken by American Express returned to me.
Consumer complaint received 2020-05-20
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. (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 {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX  XXXX {$13000.00}
Consumer complaint received 2023-01-30
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)

On XX/XX/2023 I got an e-mail from Credit Karma that said Congrats youve been approved this was for an XXXX  XXXX XXXX XXXX XXXX XXXX. I did not apply for this card. It was applied for and approved via XXXX XXXX. Which I believe I got hacked. I changed my XXXX XXXX password right after this and emailed credit karma with the problem. I also contacted XXXX bank that same morning because I did not authorize this application. A rep for XXXX cancelled shipment of the card and cancelled opening of the account. This representative said account will not be opened and card will not be shipped out. The rep was unable to provide address of the location card was supposed to be sent to. I asked about removing the hard inquiry that has since shown up on my credit reports. She said I would need to reach out to the credit bureau on my own to get this removed since it is fraud. I reached out to TransUnion which directed me to this website and said it would need to be disputed this way.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank XXXX XXXX issue, from XX/XX/XXXX till XX/XX/XXXX. Chase has the XXXX XXXX for lost luggage per the policy XXXX XXXX. After 8 months working with Chase on the claim, they closed said there is no losXXXX XXXX XXXX for carry on but per the policy guide there is. I would like to have this claim of {$1400.00} paid by chase under the policy protections. 
Claim Number : XXXX Claim Type : XXXX XXXX XXXX Incident Date : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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. (NC)

I CHECKED MY REPORT AND NOTICED THERE ARE ITEMS ON MY REPORT THAT DOESNT BELONG TO ME. 
IM ATTACTCHING THOSE ACCOUNTS TO MY REPORT
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (MD)

In XX/XX/2019 my girlfriend and I decided to buy a house our first house after months of searching in different communities we found one that met all our need. We got in touch with developer Lennar and the experience was pleasant from the start until we decided not to go with his bank of choice. At this point, Lennar 's team has been very harassing and lack of coordination in their internal processes. They have tried to speed up the closing of my house because the fiscal year closing is in XXXX and because my lender does not have the documentation yet I am requesting to move the closing date but Lennar does not agree. even though they have failed to send all the documentation on time and my lender works overtime to have my loan approved, it is not going to be possible to close and now Lennar is threatening to put my house on the market again.
Consumer complaint received 2020-05-20
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. (CA)

I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.
Consumer complaint received 2023-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

My loan was purchased by Newrez LLC in XX/XX/XXXX. When I went to make my initial payment my mortgage had suddenly increased from XXXX to XXXX. I called to inquire about the increase and was told it was due to a negative escrow account balance. Once I received my escrow account information I found out ( through no fault of my own ) my fall XXXX taxes paid in closing to XXXX XXXX XXXX had not been applied to my escrow account nor had they been paid to the county. I have a previous complaint regarding this issue and XXXX XXXX has admitted fault to this and has issued a check payable to Newrez for the full amount of XXXX. 

The issue I am having is that my mortgage payment is not reflecting my homestead deduction or my reduced homeowners insurance policy. The escrow account divided over 12 months would only be XXXX dollars more a month, not XXXX. They are tacking on an additional XXXX dollars that I have been assured would be adjusted and explained it was due to various reasons. I have talked to around 10 different agents about the issue of my incorrect mortgage payment. 
I was told to submit my documents through the " contact us '' portal on the website. I did this as well as faxed them and sent them directly to a managers ( XXXX XXXX ) email. I have been told they were received only for the next agent to say they didn't see them until I explained I have sent them 3 different ways and then every agent would say they eventually found them. There has been no adjustment made to my account to reflect my homestead exemption or my decreased homeowners insurance and it has now been almost 3 months. 

I have been paying my regular payment of XXXX with a manager approval each month and it has been accepted. Despite this I keep getting letters in the mail warning that my account could go into default even though each representative has said that is not correct and " not to worry '' about what I receive in the mail. This is highly irregular and worrisome. Almost every representative I have spoken to has suggested that I hold off on making any payments until my account is updated. This too seems suspicious.

I have sent the check for my negative escrow balance as of today and I am already worried that my account will not reflect that either. Since XXXX I have spoken with Newrez weekly, sometimes multiple times a week with no change. The last agent I spoke with on XX/XX/XXXX stated they should have already done an escrow analysis and that he would request one to be done immediately. This didn't make sense as they had yet to receive my escrow payment yet and I am concerned they will refuse to run an escrow analysis once the payment is received on Monday.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During their last report of a closed checking account in XXXX, Bank of America disclosed for the first time that I owed them funds from the closure of my account in XXXX of XX/XX/XXXX and provided me with a phone number to pay those funds. Bank of America had listed me in XXXX for the missing funds, but again NEVER made an attempt to collect them until the response to my CFPB complaint back in XXXX, which violates FTC regualtions. I phoned Bank of America XXXX XXXX  on XX/XX/XXXX on a consensually recorded call ( attached ) and made a payment. I was even issued a confirmation number. Then, unsurprisingly and in keeping with its pattern of deception and abuse, Bank of America did not actually debit my account. They did the authorization debit ( screenshot attached ) but never actually pull the funds. They have made it impossible to pay my account and their listing of my account closure as due to fraud is retaliatory for me pressing charges against a banking associate who called me a XXXX in XX/XX/XXXX, and not factual.
Consumer complaint received 2023-01-30
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-30
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. (TN)

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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