davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2016 Balance {$33000.00}
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MD)

I finance a XXXX XXXX XXXX with Bridgecrest as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to Bridgecrest of XXXX. In the meantime as Bridgecrest was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called Bridgecrest weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued Bridgecrest a check on XX/XX/XXXX paying more than what I owed on the suv leaving bridgecrest to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called Bridgecrest to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Consumer complaint received 2022-01-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Creditor is issuing late fees and interest charges against an account and credit card that are not in use. The account was paid in full 6 months ago. Creditor continues to apply late fees and interest charges on purchases even if no purchases are occurring. I am filing this complaint to report fraud within American Express company. I have provided write documentation of creditor trackings.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank Routing # XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX  account number : XXXX Other parties involved -- - XXXX XXXX XXXX , XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2021 ;
Consumer complaint received 2022-01-10
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-11-10
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: Exeter Finance, LLC. (IN)

I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate credit report.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2022-06-27
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. (NY)

To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT
Consumer complaint received 2022-01-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I was notified this month about an order to appear for individual judgment. I was unaware of what this was about and called the court office. The clerk informed me this was regarding : Huntington Bank for the amount of {$580.00}. The clerk mentioned it might be easier to deal with the issue than getting garnished. On XX/XX/XXXX, I called the law firm of XXXX XXXX XXXX, attorney for the plaintiff. This was my second call to them since XX/XX/XXXX, when I learned about the alleged debt. I do not even have this debt on my credit history. 

On XX/XX/XXXX, I called to see what arrangements could be made. I was told on XX/XX/XXXX that they had an order to garnish my wages, so I could either go to court for the garnishment on XX/XX/XXXX or make arrangements with them. With both calls, the same woman answers, and I never know anything about this attorney, nor does she answer as an attorneys office. The amount on my court paper is {$990.00}. During the call, I was asked about my wages and what arrangements I would like to make. I was told that due to my wages, I would have XXXX XXXX/month taken out for garnishment. I offered an amount to settle on since they said nothing else could be done. That {$500.00} offered was denied. The woman said the client would not accept such a low amount. She then told me the amount of the alleged debt was {$1500.00}, which includes an 8 % annual fee since XXXX. 

I told her that is not the amount I saw before me, and she told me the courts gave me the wrong information because they never included the 8 %. I said that amount was ( explicit ) crazy! she threatened to hang up on me if I cursed again. She said to make smaller monthly payments that I feel comfortable with, and I would have the option to call them if I can't make the payment versus having a garnishment and not having this flexibility. She also said that they would go back to the judge and ask to continue with the garnishment if I did not make a payment on the agreed amount. 

I told her I could pay {$20.00} a month. I told her that due to my permanent  XXXX, this amount is doable. She accepted the offer. However, she realized I said {$20.00} and not {$200.00}. She got upset and told the client would not take that ; she started she had wasted 20 minutes of her time talking to me and hung up the phone. 

I do not feel that I am dealing with a lawyer as the name and contact information shown on my court order. It was unfair to accept my offer and then refuse it based on her mishearing. I was unaware of this even going to court. I was diagnosed in XXXX with XXXX XXXX XXXX and have been consumed with medical issues and XXXX. I recently had a XXXX  and am still dealing with health issues and XXXX. This judgment was made without my knowledge ; they have threatened to withhold {$600.00} from my wages, caused emotional XXXX, and treated me unfair and rude during communication.
Consumer complaint received 2022-01-10
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (CA)

Today XX/XX/22 I bought a serve American Express card. I created an account put in my SSN and my ID. Then when I go to type in my card number it says " Oops Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. '' I can't register my card, which I need to do in order to put more money in it. Then I call their " 24 hour '' service only to get " helped '' with a useless robot. I then call again, but this time I ignore the options and sneak my way to call a human. When the human picks up I tell him my problem he just goes blank. There is a fake cracking/breathing sound to make it sound like his mic is not muted, but after 25 minutes I can assure he wasn't there and there were similar loops every 5 ish minutes.
Consumer complaint received 2022-01-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc. (AZ)

Name : XXXX XXXX XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Az XXXX Am submitting a loss mitigation to recover the payment made to this company. This account was paid on XXXX XXXX, XXXX in full amount. They started off with a mortgage company that went out of business then another mortgage company took it over and then it ended up going to XXXX when I called XXXX which is now XXXX mortgage to find out what the total payoff was they did not have records of no account and were going to do a research. Now XXXX mortgage sent me a letter with the account number and information stating it was XXXX and went to real-time resolution which was paid back in XX/XX/XXXX. So we were not aware of this and house still had a lien on it. So as we were trying to sell our house on XX/XX/XXXX we called Real time resolution to find out more information and to see if they would settle half way on payment or how could we get the title lien release as we were in a crisis to sell our house. And no compromising or luck. Instead we were charged {$42000.00} and XXXX in interest so we paid a total of {$120000.00} in order to have our house sold and release the title. So we submitted a complaint to XXXX XXXX XXXX  and they responded back saying for us to get a hold of real time solution and speak to the main manager and submit a loss mitigation. we have not had any luck with a manager or a higher management. we do not understand why we are getting charged for a second loan as We were advised by XXXX, which is now XXXX Mortgage that the loan has been paid back on XX/XX/XXXX, XXXXwe are ready to get an attorney to settle this in court with real time resolution or XXXX XXXX as XXXX mortgage no longer exists.we need some resolutions soon This was not a fair act or service. Please respond and see all paperwork attached. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Home New mailing address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sold property address XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Im currently a victim of Identity Fraud. 

On XX/XX/22, my Son, XXXX XXXX XXXX and I have bank accounts within the same bank, USAA, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Account # XXXX XXXX XXXX Sons Acct XXXX We received an alert XX/XX/22 with fraudulent activity within our accounts. We called USAA, with difficulty, we were told the investigation will begin and we would be notified. Sure enough, our accounts resumed with the normal balances and access. 

On the XX/XX/22, my Son receives an alert with more fraudulent activity with deposits of 5 {$1400.00} checks within his account, we proceed to call USAA with difficult and they guide XXXX through changing his password. We were locked out of our accounts from this time forward. USAA Representatives stated the MRT Team would be in contact with us within 3 business days. We have called multiple times with no answer. Did finally escalate to the CEO Office XX/XX/22, XXXX XXXX at XXXX XXXX XXXX is looking into this matter and will have people call us. No calls as we write. 

USAA identified US Treasury check numbers via mobile deposits : XXXX, XXXX, XXXX, XXXX & XXXX All labelled Altered fictitious items We received correspondence on this checks & instruction on reporting Identity Theft.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

I received a mail from Phoenix Financial Services regarding a debt for an ambulance service back in XXXX and threatened to report that to credit reporting agency. I never received a bill for this service and was covered by XXXX XXXX insurance. I requested Phoenix Financial Services to provide proof of debt but did not hear from them since. I believe this is a result of identity theft.
Consumer complaint received 2022-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I have been trying repeatedly to reach a resolution with Ocwen Mortgage, PHH Mortgage and XXXX to no avail all of the above mentioned companies have consistently LIED, about my legal status regarding my RIGHTS towards the property. I was repeatedly told that it was absolutely nothing that I could do as for as trying to keep the house. I asked could I Refinance the answer was NO. I asked could I file for bankruptcy protection I was given an astounding double NO. I was told that my name was on the Deed, but not on the mortgage. I decided to talk to a nonprofit group. I found out that the mortgage companies and their workers had repeatedly LIED. The mortgage company knew that I could not afford legal representation, I was self teaching myself. I was backed into a corner. I was only about {$4000.00} dollars in debt. I have been reported to the credit reporting agencies.
Consumer complaint received 2022-01-10
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 inquiries listed on my report that I have reached out to the company and credit bureaus to be removed and they state they are accurate. I have a statement with all agencies stating before credit is extended, someone should contact me to verify and that has and does not happen. This is affecting my ability to increase my credit scores and very discouraging. Please assist?
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Equifax claiming that my data has been verified in violation of my rights.
Consumer complaint received 2022-08-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

In regard to my complaint with CFPB XXXX, the XXXX XXXX XXXX provided an inaccurate and incomplete documentation Validating the debt they claim that I owe on behalf of XXXX. They failed to provide the details of either items or services or any other proofs like delivery receipts with my signatures. Therefore, the documental evidence they submitted is incomplete or inaccurate. I do not recall to the best of my knowledge, that I purchased any items or services from XXXX that i have not fully paid. Furthermore, I am not present at the address since XX/XX/2019, as I am out of XXXX for my XXXX XXXX. I am enclosing their submitted validation document which is incomplete and in accurate.