davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

On my XXXX credit report it is saying that the balance on my Marcus by Goldman Sachs credit card is XXXX $ and this is false. The balance is XXXX  dollars. When the account closed on XX/XX/2022 the balance was XXXX  dollars and the balance is still XXXX  dollars. 
Kindly update account balance on my Marcus by Goldman Sachs credit card to XXXX  dollars owed
Consumer complaint received 2020-05-08
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. (CT)

About 2 years ago I had my identity stolen via my mail was stolen and my checking account was hacked. I went to my bank, XXXX XXXX and showed them " payments '' against my checking account for items that are not mine. I went through their fraud department and submitted multiple affidavits that were investigated by the bank and found to be legitimate. They removed the charges and fees from my account and refunded me the funds. All the while and for several years I have been seeing inaccuracies on my credit report and wrong addresses and information. I contact the credit bureaus regularly to remove items from my report and they just don't. They claim that they meet the federal requirements to be accurate and do nothing. I have requested numerous times to have physical proof and documentation sent to me to verify that any account I dispute is actually mine. I never hear anything back. It looks like there are multiple entries for some of the reporting yet that never changes either. The credit I do have is excellent and " exemplary '' status, but the fraudulent ones have destroyed my credit to a XXXX XXXX score. I am at my wits end with this, I have sent letters to the three credit bureaus, no one responds.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

This is a formal complaint against Equifax, XXXX, and XXXX I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name : XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I pick this All Inclusive Resort called XXXX XXXX XXXX in XXXX XXXX I showed up Check in went to the room the room wasn't the room I requested to be facing the Beach it was a room facing the Pool it was Dirty Blood on the Sheets mini refrigerator was empty I went to Front Desk to Complain all of a sudden no one spoke XXXX but they spoke XXXX when I was Checking in plus it was a Holiday XX/XX/XXXX a family member came to see me they chased him off the Property for not having some Bracelet but he was only coming to see me not stay I went to the Buffet on the Property same day to eat as I was Biting into the Bread I noticed something XXXX in my Bread it was a Mosquito bake into the Bread I threw up went back to the front desk to complain still everyone was acting like they spoke no XXXX so I had my family member pick me up to go stay somewhere else because I was getting no where with the Resort or XXXX so I Disputed it with Capitalone but they telling me that they can't do anything about it I didn't even spend one night at this Resort because of the Conditions no one should have to go through on Vacation I want my Money back {$710.00} it was Completely Horrible with the worst customer service never again very Nasty
Consumer complaint received 2022-09-21
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. (MO)

I am submitting this CFPB Complaint to follow up the most recent complaint I previously submitted dated XX/XX/XXXX2022, requesting the immediate removal of the disputed fraudulent accounts and information that the Credit Bureaus report on my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus continued reporting the disputed items and have claimed that the disputed items are verified without sending me copies of proof of verification. Under the provisions of the Fair Credit reporting act section 605b, I am requesting once again that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Time XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX SYNCB/GAP XX/XX/XXXX 2020
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Ok so I went to look at a XXXX XXXX XXXX that was located at XXXX XXXX in XXXX XXXX Florida, everything looked okay with the car so we went in to talk numbers, Loan time etc we got to {$7500.00} was the financed priced and my loan was for 2 years/24 months I would be making a {$250.00} a month car payment with {$2200.00} as the down payment, a few days later the check engine light came on my tire pressure sensor light has come on with the tires being at 35psi ( recommended tire pressure ) a couple weeks later another thing broke and was supposed to be under warranty, I called XXXX ( XXXX XXXX manager ) he said everything was covered on the warranty no worrys bring the car in now while my car is in his shop I get a call from him and he says its just maintenance and I would need to pay {$200.00} but he said since hes a good guy hell do it for {$100.00}, now the main thing that I have a problem with is the fact hes saying I owe him {$500.00} on top of that my car loan is now 4 years/48 months and the loan amount is for {$12000.00} dollars, how did I go from a {$7500.00} 2 year loan to a {$12000.00} loan for 4 years? It was never discussed and I would have never signed anything for a {$12000.00} loan for a {$5000.00} car. The loan was from Credit Acceptance I was also never given my financing agreement which details the terms of my loan
Consumer complaint received 2022-06-17
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. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged o XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98.00} Status Closed. {$55.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1100.00} w FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, clo
Consumer complaint received 2020-05-08
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. (GA)

I mailed a letter to Transunion on XXXX XXXX, 2020 ( USPS : XXXX ) in regards to an XXXX XXXX account that has showed up on my transunion report. In the letter included my Police Report from XXXX Police Department, Identity Theft Affidavit, and other documentation that shows I've taken the necessary steps to report my identity theft to the proper authorities. On XX/XX/, 2020 Transunion received the letter and a few days later opened a standard 30 day " investigation '' and refused to block the fraudulent information while they " investigate '' despite having proof and documentation according to FCRA 605b. This methodology has caused greater stress to an already stressful issue to rectify. Transunion has shown gross negligence in treating this like a normal dispute. These companies control so much of our livelihood and take very little action in helping out the small people who's information they collect and sell to ensure it's accuracy.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NY)

they lower credit limit on this date .so low that by me paying the minimun amount i will be going over the limit. now that i spoke to them they said to pay more this way i wont get over the the limit. the credit card that i have was XXXX limit now is XXXX which at that time i had a balance of XXXX, now my credit with interest is XXXX which leave me with XXXX left by me XXXX a month half of it will be paying interest so eventully im going over the limit. i feel this is not right for the consumer it does not leave any room for movement.
Consumer complaint received 2023-01-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (RI)

Started the process of coming out of forbearance due to XXXX  in XX/XX/XXXX then our mortgage was sold to Freedom Mortgage. Freedom mortgage said they would continue where our previous mortgage left off with forbearance. They said they were sending paperwork for loan modifications. Never did. Then finally in late XXXX  almost XXXX  they asked for documents. We faxed all the documents in to them. We even talked to a representative to make sure we sent the correct paperwork. Then months later we received a notice they didn't receive everything. This was the beginning of lies. So we again sent them. This time they suggested we emailed. So we spent hours scanning and then emailed them. We waited. Months went by and nothing. Said they were reviewing. Then come to find out they said we were missing documents. Another lie. Then they said they weren't current enough. Another way to procrastinate this process. Meanwhile rates are sky rocketing. How convenient. Frustrated again we call them and ask to speak to someone higher up. They told me exactly what I needed to send. I got everything I needed. We scanned for hours yet again and before I emailed them I emailed the previous freedom mortgage employee I had talked to to make sure they were all correct. She refused to email me back. So I sent them! This was now in XXXX of XXXX. Nearly a year later playing this game with them. We then get a letter saying " paperwork incomplete ''. I was furious!! I called and they said it was in underwriting. I then get another notice saying it was complete. Go figure ... after I filed a XXXX  in XXXX. XXXX comes and we receive a packet of paperwork that needs to be notarized. We get a call from a company that was hired by Freedom to notarize our paperwork. We make an appointment. We ask the notary about the dates and she says " oh don't worry about that they know it's coming and appointments have been tough ''. I almost feel like a huge weight is lifted. That was short lived when I received a letter two days later saying we will be rejected because they didn't get it in exactly XXXX  calendar days. I was yet again, furious and devastated. Called Freedom and was told " oh I always tell people to get their own notary '' I was just in awe and shocked. I almost fell apart. Why offer us a notary?? To hope we get rejected? Now we are told we will most likely be rejected and need to start the ENTIRE PROCESS AGAIN!! It has been XXXX  months of pure XXXX and has effected our mental health greatly. This business is unethical and will do whatever they can to steal from you. I have read reviews and this is happening to hundreds and maybe thousands of people. Please help.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (MA)

This showed up on my credit report. It is not my debt and the company took no responsibility for it when I called them. They would not help me and suggested that I file a complaint. A screen shot of their entry on my credit report is attached : COLLECTION : Highest Balance : {$530.00} Amount Due : {$320.00} Company name : CBHB XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (WV)

On XX/XX/XXXX, I secured a title loan through Anderson Financial Services , LLC, d/b/a LoanMax. Monthly payments of {$430.00} began on XX/XX/XXXX. Due to COVID-19, I was temporarily laid off on XX/XX/XXXX and for this reason, was unable to make my XX/XX/XXXX payment. I contacted LoanMax to apprise them of this situation and was told to let them know when unemployment started and I could make my payment. Imagine my surprise when I logged in to my account and found that I had over an additional {$500.00} added to my account! After making a call I found out that this was daily interest and late fees! I requested a detailed account statement and was advised that they " don't do this. '' I have also received a NOTICE OF DEFAULT & NOTICE OF LENDER 'S INTENT TO REPOSSESS ITS COLLATERAL letter from LoanMax. I understand that interest accrues when a payment is late, and under normal circumstances, this makes sense. However, mandatory business shutdowns during a nationwide pandemic, thus resulting in late payments, etc, is unusual to say the least. I don't feel exorbitant fees should be charged during this unprecedented time. LoanMax has been less than understanding and has refused to waive these fees.
Consumer complaint received 2022-09-12
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. (MN)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}