davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Big City Finance, LLLP (TX)

Power Finance Texas seems to call my phone occasionally and leave voicemails. All I hear on the voicemail is this is " Power Finance texas resolution department XXXX '' Please call our resolutions department to discuss your account. I do not have any account 's with Power Finance Texas. Not sure why they are calling me. This account was opened due to identity theft, I did not receive any loan proceeds. The Employer this company has is invalid. That's not my employer. The company also attempted to charge a debit card that was closed also due to fraud. I do not have the email they have on file " XXXX '' This email was hacked as a result of identity theft. XXXX has been notified, and this email was found in a breach on the dark web per my identity alerts. I do not accept responsibility for a loan I did not apply for, I did not sign for, and I did not approve or receive. I should not be responsible for something I didn't receive. I do not know who received it. I will not be answering calls from anyone I do not know, and I will not validate any information with this company as I am not responsible for this account. I did not approve the application, I did not apply and I did not sign anything.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX. someone stolen my new chase debit card. 
And on XXXX person required chase bank sent a new pin code to him and chase did it. 
On XX/XX/XXXX. the person used my new debit card withdrawn XXXX dollars. At the same time I received a message from the chase bank asked me if it was me withdraw the money.I replied no immediately. Then chase told me they would close my card and send me a new card. I dont need to worry or do anything. But my money still taken away. 
So I called the police and had a police report number and filed a claim but my claims were denied time and time again. They said this guy used my pin code to withdraw money. However I called so many times to the bank, they also admitted that they sent a new pin code ( I have a recording ) but this new pin code was not me asking to send, it was the bank 's negligence, they didnt confirmed the id information and sent my debit code to the other person. But now they say it's my fault. 
Then on XX/XX/XXXX. Chase asked me provide police report with details. I took 2 months and I went to XXXX XXXX  XXXX police department ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) to get this report on XX/XX/XXXX. and on the same day I faxed it to the bank, but the bank said he didn't receive it, and then I faxed it again.and they still said didn't receive it. I'm sure all the information is correct, but they just keep lying. 
From XX/XX/XXXX to XX/XX/XXXX, almost five months, I spent a lot of time, energy and money trying to solve this problem. I have no driver 's license and no car and I have a small XXXX. I went to the branch so many times and wanted to ask for their help, but no one was willing to help me. I called the claims department so many times, and everyone gave me different information. they didn't plan to help me solve the problem at all. I cried so many times. This money is very important to our family. I really dont know what to do.
Consumer complaint received 2020-12-03
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 am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( U.S. DEPARTMENT OF EDUCATION XXXX XXXX accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I XXXX XXXX sent DISCOVER certified mail a affidavit with violations that they committed. This resulted in DISCOVER closedown my account without my permission, which is a violation under the of Permissible Purposes 15 USC 1681b. I was not compensated for the other violations under FCRA and TILA. I sent them a NOTICE OF INTENT TO ENFORCEMENT, stating where they were in violation and how I rather handle this out of court and not wasting anyone time, especially the JUDGE.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMA Advisors, LLC. (NM)

My husband and I purchased a home in XX/XX/XXXX with Homebridge Financial. Our first payment was due XX/XX/XXXX. 
I have attempted to pay Homebridge Financial a total of six times for XXXX and XXXX. I was able to pay for XXXX after contacting customer service multiple times to have the " red flag '' that was placed removed from our account. While attempting to pay Homebridge in the months of XXXX and XXXX I was assured we would not be charged a late fee because the issue was Homebridge 's fault. I was also assured that it would not be reported to the credit bureaus which was not true. Homebridge Financial did in fact report it. Both my husband and I had almost perfect credit scores prior to this issue and now it is significantly lower. Please see the following timeline of attempted payments : - Bill of {$1300.00} paid through mobile banking app on XX/XX/XXXX. Payment was then refunded XX/XX/XXXX ( # 1 ) - Bill of {$1200.00} then paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge on XX/XX/XXXX ( # 2 ) - Bill of {$1200.00} paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge. ( # 3 ) - Bill of {$2500.00} paid over the phone on XXXX. The customer service representative stated Homebridge had the wrong banking account information, this was updated at this time. Payment was never posted. ( # 4 ) - Contacted customer service on XX/XX/XXXX regarding previous payment, customer service rep stated payment was placed in a " holding account. '' Payment then applied to the remaining balance. Payment was never processed by Homebrige after being removed from " holding account. '' ( # 5 ) - I then paid my outstanding balance of {$2500.00} on XX/XX/XXXX online through XXXX. At that time I had to input the correct banking information ( Homebridge system had this wrong ). Payment was then processed on XX/XX/XXXX. ( # 6 ) The only way my payment was correctly processed by Homebridge was through the online payment system and correct banking information that I had to enter. 
- I paid my XX/XX/XXXX payment on time and through the online payment system. 
I have filed a dispute on all three major credit bureaus to have my credit score fixed. My husband 's and I credit score prior to all of this was almost perfect and we have never been late on any loan payment. XXXX and XXXX both completed my dispute saying Homebridge Financial responded accurately and no changes were made on my credit report. This is Homebridge Financials fault. We attempted to pay them multiple times and their system failed to process our payment due to their customer service error.
Consumer complaint received 2021-02-09
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. (IN)

I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( XXXX  XXXX ), and ( XXXX - Transunion ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes. 

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity
Consumer complaint received 2023-06-02
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. (KS)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

I am a Rep payee and when I want to set up the account for my godson and myself, I was tool through the employee at Truist bank in XXXX, Pennsylvania, that no money would go through if it would take my balance past zero or if I had a zero balance, nothing would go through. I even confirmed this with her before I left. Well, $ XXXX laterout of my pocketto cover their charges for money that were never to go through. It took days for checks to go out, so I canceled them through the app-example : Name : None, Amount XXXX et al because there was no way to delete them. Not only did the checks go out, they went out every month!!!! How? I dont understand how they could do that!! When I first requested her to cancel these checks on her end, she told me that she couldnt. I had to close this account and open one elsewhere with no problems whatsoever. I am still out over {$400.00}! They started ignoring my requests and letters when I still was banking with them.
Consumer complaint received 2021-02-09
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. (CO)

While applying on line for accounts ( XX/XX/21 ) with Transunion my wife and I were forced to give a credit card number to open each account. There was no explanation of why they wanted our credit card numbers but we could not get accounts without filling in the credit card information. After opening the accounts we were notified that Transunion had charged each of our accounts {$25.00} and would be doing so monthly. We reached Transunion ( XX/XX/21 XXXX and requested cancellation and a refund. They said they were doing both. I believe this is a scam by Transunion. They are hoping that people who sign up for an account think this is a necessary and lawful charge. It is a fraudulent, dispicable way to do business and should be illegal.
Consumer complaint received 2023-06-02
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$600.00}. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

After carefully reviewing my EXPERIAN credit profile I noticed several credit inquires being reported that I did not authorize, nor do I recognize. The credit inquires that I am referring to are as listed along with the dates : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$68000.00}
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I made a mortgage payment in the amount of {$1500.00} to XXXX on XX/XX/XXXX, via ACH payment. At this time, my loan was being transferred to Specialized Loan Servicing. Realizing I should have waited to pay directly to SLS, I contacted XXXX about the payment. They assured me they would forward the payment to Specialized Loan Servicing. I contacted SLS regarding the matter. I was advised by SLS not to make an additional XXXX payment, as it would be applied when transferred to them. After waiting for an extended period of time, I contacted Specialized Loan Servicing to see why the payment hadn't been applied yet. SLS claimed they never received the payment. XXXX provided me with a copy of bulk check number XXXX with FedEx tracking XXXX, and claimed that my {$1500.00} payment for XX/XX/XXXX was included in that check to SLS. I contacted SLS  again and gave them the information. They insisted they had not received it but would open up a dispute with the information I had provided. After several failed attempts to resolve the issue with customer service directly, I wrote a formal notice of error to Specialized Loan Servicing. I provided them the information given to me by XXXX that showed the payment had been received and deposited. After conducting their research, they provided an official statement claiming that they did not receive any payment, and that there was no error on their part. I then submitted a formal notice of error to XXXX advising that Specialized Loan Servicing conducted research, and concluded no error on their part. XXXX responded again stating that the payment had been forwarded to Specialized Loan Servicing, and this time provided me with a redacted copy of the itemized account list contained in the bulk payment. 
I have evidence that the check with my specific payment was received, signed for, and deposited by Specialized Loan Servicing, yet they refuse to apply it to my account or refund it to me as requested in my formal letter to them. 
While my payment was being disputed with SLS, I continued to make on time payments for XXXX, XXXX, and so on. I was told I did not have to repay the XXXX payment while it was under dispute. Nobody contacted me to advise the dispute was over. This labeled my XXXX payment as late. My XXXX payment was instead applied to XXXX, and my XXXX payment was applied to XXXX. I contacted their customer service multiple times trying to resolve the missing payment with no resolution. Once I discovered the dispute was closed, I made an additional payment to cover XXXX and avoid penalty. It wasnt until I requested my mortgage insurance be removed after the new year of XXXX that I discovered they had labeled XXXX, XXXX, and XX/XX/XXXX payments as late. Because of these late payments, SLS has refused to remove mortgage insurance.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

i having been pre paying my flood insurance for many years and the lender is forcing me to escrow this account that has been paid in full. i contacted them going back to XX/XX/2020 and keep getting the run around but they continue to add/force additional escrow to already paid insurance. the amount as of this date is {$540.00} and each month additonal money is added to the mortgage.
Consumer complaint received 2021-09-08
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 have sent certified documents pertaining to two bankruptcy listed on my credit report that does not belong to me I sent in documents to Transunion on several occasions asking them how they verified my information.

they insisted that the information pertaining to the two chapter XXXX  yay is showing on my credit report was verified the Bankruptcy Court which is false I sent them a copy of the certified letter from the chapter XXXX bankruptcy courts stating that they DO NOT report any information to any of the credit bureaus.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This account is not mine I have not signed or applied for this it does not belong to me : XXXX XXXX XXXX XXXX - Acct XXXX Amt {$0.00} Opened XX/XX/2009 2009