davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (LA)

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus XXXX XXXX, 2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

AMERICAN EXPRESS INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of my full birth year and Social Security number from my TransUnion credit file to enhance privacy and protect my personal information. 

I previously submitted documentation under Report Number XXXX, including : A copy of my drivers license A copy of my Social Security card A recent utility bill verifying my current address Despite providing all requested documents, I was informed that the submission was unacceptable. I am now resubmitting the necessary information and seeking confirmation that my request will be processed promptly. 

Please confirm the removal of my birth year and Social Security number or specify if additional documentation is needed to complete this process.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I have tried multiple times to dispute the debt, they were notified by me and my credit repair service that the debt was not mine. I explained to the young lady that I hadnt lived in that home in years and I could prove it. Im in the process of buying a home and this is holding me up. They credit repair company had already spent over 30 days in this matter. When I called the first time they asked for my social I provided it and it pulled up an account in some else name and when I advised them of that they put me on hold and blew me off. The conversation is recorded according to them. I needed this off so I agreed to pay a settlement after two weeks of phone calls because they wanted me to pay it without getting something in writing. I REFUSED! I finally spoke to someone who said setup a payment arrangement and they would send a confirmation letter before they take the payment. I set it up for the XXXX of XXXX. The letter was suppose to come by email never did and I had to submit a different email address. The letter showed up after the XX/XX/XXXX and they processed the payment any way it declined. I received the letter on the XXXX paid the settlement on XX/XX/XXXX payment cleared on XX/XX/XXXX however now Im having the same issue with them updating the credit bureaus. Why do I have to wait 39 days for XXXX update my file cause the collection company says the cant. Every time you call its something different. I requested to have a supervisor called me back several times, I have spent to much time trying to get this resolve and Im still trying. My credit repair started working on this back in XXXX XXXX. I also contacted XXXX by going into one of  their payment centers to discuss the issue they told me to deal with the collection company cause they didnt care about my issue
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

Bayview Loan Company has not removed late fees, when I have not been late on my mortgage. They have charged me late fees for XXXX, when I have given statements to them from my bank showing I was never late in making a payment. I have continued to have problems with this company, with corporate fees and other charges that they have never shown I owe, nor will they remove the fees. Tell this company this is their last chance to correct the error or I will be forced to file litigation. Time is now of the essence and this needs to be resolved in 30 days.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXX/XX/2021, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates LLC obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, KOHLS/CAPITAL ONE XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had fraudulent activity on my account, resulting in debt of XXXX XXXX the bank is saying that I owe them XXXX $ because they cant reverse XXXX money transfers. I am a full time XXXX XXXX with no money to pay this back. Especially when it was fraud
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NY)

I am XXXX XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NJ)

On XX/XX/2021 I closed an Internet Account with XXXX. They sent me a final statement in XX/XX/2021. In XX/XX/2021 a company called SW credit systems inc went on my credit reports. I didnt receive any notice at all from SW credit systems inc in the mail or by phone. I didnt even know anything about collection yet within a couple of weeks they went on my credit reports. I spoke with XXXX many times and they did have Southwest credit removed from my XXXX  credit report however it is still listed on XXXX  and XXXX XXXX.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the XXXX of each month on time as they indicated. I get weekly statements from XXXX and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2021-08-09
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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name XXXX or used my personal information ) in order to take out credit without my knowledge, consent and permission.
Consumer complaint received 2021-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (CA)

I was treated with respected and professionalism, until I uploaded a copy of my ID. The sales rep and manager both grossly discriminated against me for being XXXX. I was told my ID and paystubs were fraudulent so my loan was declined. XXXX informed me that he and XXXX both saw red flags after receiving my ID. They both questioned the amount of income I made. XXXX requested that I prove my income by sending over my year end paystub. XXXX said, MainOne Financial fraud department reviewed the file, pulled a SSN background report, among other reports and based on what returned they informed XXXX to decline my loan. I was never asked to bring in a copy of my ID. Once I discovered my loan was declined and the reason why, I insisted that I stop by and bring in a copy. I met face to face, with XXXX the manager, who said my ID was still fraudulent. I have a previous loan with OneMain that Im currently paying on. Ive been paying on this loan for 2-3 years. My payments are on time and deducted by ACH from my personal checking account. They have a previous ID on file and they have my previous paystubs from the same employer. Ive been with the same employer ( XXXX XXXX ) for 10 years. The only red flag was my XXXX XXXX, they saw on my ID.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello - We are trying to refinance our home. During this process we found out from the refinancing mortgage company that we had two " abstract judgment liens '' on our home that were with FIA Card Services, N.A. 

The processor from the refi mortgage company contacted the attorneys shown on the judgments, but they are no longer managing our accounts. They advised that XXXX  XXXX XXXX took over FIA Card Services accounts. In calling XXXX XXXX XXXX, the refi mortgage company was told that they did not have any information pertaining to us, and that XXXX XXXX XXXX also took over some of FIA accounts. 

In checking with XXXX, we found out that XXXX XXXX XXXX went bankrupt and some of their accounts went to XXXX XXXX. 

On XX/XX/XXXX the refi mortgage company called XXXX and was told they needed a faxed authorization from us, stating that they could speak with the processor concerning our account. We followed their process, faxed over the authorization and was told to call back in 48 hours. Processor called back on XX/XX/XXXX ( giving them 72 hours ), and was told that our authorization was not found. We then were told to re-fax the authorization form, it was faxed AND e-mailed. We then followed up and were being told yet again, that they did not receive neither the fax nor the e-mail. 

I later contacted FDIC, who suggested we contact you all or the CA Secretary of State. Much time has elapsed and here we are with much frustration, again trying to tackle this situation, 11 months later. We still do not know if XXXX has any information on either of our accounts. 

Please note below info for both law offices : XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$10000.00} XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX, A Professional Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$8700.00} We are stressed and need some guidance on how to proceed forward with this lien situation. Companies are no longer in existence, no one has any record of us owing this debt. Please advise ... Thank you
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed my 4 personal credit cards and my personal checking and personal savings account. They have not closed my business checking or business credit card. Out of the blue they closed everything!! I have never been late, I make all my payments on time and I have been a great client for years. I have spent several hours with several different employees for Chase. I was at the bank in person for 3 1/2 hours today. They do not understand why everything was closed down either. The branch manager with some senior advisor on the phone discussed my account in detail and every transaction for the past four years. They do NOT know why accounts were closed and cant get answers either. Everything states Chase decided to terminate relationship with me. This decision is irrevocable and I may never established an account with Chase again. However, my business accounts are still open and functioning. My automatic payments are now being declined and chase is going to cause my credit score to drop with explanation of any kind.
Consumer complaint received 2019-09-19
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. (LA)

I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, Equifax and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-03
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: ENCORE CAPITAL GROUP INC. (FL)

I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
Consumer complaint received 2021-08-09
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 would like to confirm that I am victim of identity theft. Someone just used my information and put the items that are not mine. I kindly ask you to remove this items as soon as possible from my profile after the investigation.
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. (NE)

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 Experian and XXXX to validate the inquiry ( A ). It is not permissible to fail to validate the reporting inquiry as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  Date of inquiry : XXXXXXXX