davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (MD)

Here 's what happened : 1. On XX/XX/2022 I sent a NOTARIZED FTC ID Theft affidavit, Copy of my ID, Police report number, proof of address, and a letter to Experian via certified mail tracking XXXX 2. The fraudulent account was XXXX Account XXXX. It was identified in the letter. 
3. Experian received the mail on XX/XX/2022. From what I read online, Experian had 4 days to review the ID Theft Affidavit, send it to XXXX, and then block the account from reporting. 
4. Also from what I read, XXXX was suppose to closed the account, investigate it, and stop reporting it but that did not happen. 
5. I received an email from Experian on XX/XX/2022 ( far beyond the 4 days ) stating that they were not going to honor my Notarized ID Theft report for a bunch of reasons that aren't listed in the ID Theft information that I found online. 
6. I found this on FICO 's Forums : FCRA 605B explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 
The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

7. None of those were the reasons Experian listed in their response to me. 
8. XXXX closed my account and marked me 12 months late thus damaging my credit score and report. 

All of my ID documents are attached and Experian 's response. This very stressful and is keeping me from purchasing a new home!! Please Help!
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
Consumer complaint received 2022-03-23
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. (MS)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On my XXXX credit report it is showing a delinquent 30 days late payment for my SYNCB/PPC with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that XXXX is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (MI)

accordance with the fair credit reporting act convergence XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

I paid my payment of {$160.00} dollars and someone stole my checking account so payment didn't go threw so the next day I paid XXXX now they are saying because my credit they closed my account and that's cruel and unusual punishment then they lie and say because of my credit they closed account which this isn't a plausible reason I have been with citibank for for over 7 years same credit account always paid on time they are deliberately trying to destroy my credit
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

Sun trust became truist bank. I was sent a new atm/debit card. Tried to use automated system to activate the card ; system said my billing zip code is wrong. It isnt. Directed to call customer service. On hold yesterday for 1 hour and gave up. Called today- on hold 1.5 hours. I have no way of accessing my Money- no checks, cant use debit or atm functions.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Alerts keep popping up on my XXXX transunion and XXXX  credit reports unauthorized. Ive kindly asked all three to remove these unauthorized 9 inquiries but to know available..
Consumer complaint received 2022-03-24
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. (MS)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-03-23
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)

On XX/XX/XXXX I sent Transunion a letter disputing the XXXX Bank XXXX mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through XXXX Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through XXXX bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are XXXX payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of XXXX Bank and Transunion on XX/XX/XXXX and did not receive a response. I called XXXX Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that XXXX Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into Transunion today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as XXXX Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.
Consumer complaint received 2023-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a customer with Bank of America deposit {$30000.00} during that time I watch my money coming over away with high cost and high fees by Bank of America I feel I was probably taking forward {$3000.00} of the settlement money that I received
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-24
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. (MI)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

I have been disputing this account for some time now with RECEIVABLES PERFORMANCE. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a pending issue with the Bank of America. My account was hatched by unknown person from unknown cities totaling {$7500.00}. I filed a complain from last year and sent all the documents they wanted, i.e., copy of my driver license and my mother 's too to complaint that {$7500.00} was not withdraw by me. They've denied few times but they said that they will investigate on this issue with another department. They've been saying this since XX/XX/2022 and they've advised me that they're working on it since XXXX 2022. However, nothing is progressing. Please help me get my money back. 
Thank you!
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage has been sold three times for a total four times. Select Portfolio Servicing is the last company that I have had to deal with. They have indicated that I am delinquent on my mortgage which is incorrect as I have not missed a payment. I am being charged late charges on both my mortgage and home equity loan.
Consumer complaint received 2021-09-30
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. (NJ)

on XX/XX/21 account XXXX was disputed with company XXXX XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This pertains to all 3 credit report agencies XXXX Trans union and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on Trans union after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc. (IN)

I began a debt settlement program with Beyond Finance in which they say will be for 45-55 % of the original debt. This is definitely untrue with mine being for 5 % -45 %. Then I was served with papers in which when I talked to an associate they said itd be handled. They then just gave me an answer. When I first started the program, they said Id have legal representation. My legal representation was just an answer in which I submitted and they said I could go or not go. They didnt provide any of the legal direction they initially promised. Following that, I received multiple phone calls and emails about their accelerated graduation program. They then made me feel pressured into doing it due to the papers I was served by saying it was the best option given the legal proceedings filed. Then they connected me with their sister company, XXXX XXXX. Their associate assured me it was the best option however their interest rate of 26.99 % is outrageous and its crazy that a company trying to help you to a better financial future would even consider XXXX XXXX a viable option when the interest is as high as the credit cards youre attempting to settle.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our Mortgage company, Specialized Loan Servicing is trying to foreclose on our home. We have been in contact with them to try to get a modification on our mortgage and was caught up on payments as of XX/XX/XXXX. Since then we fell behind on payments due to Covid19 and us being laid off from our jobs. The amount of the mortgage is {$2400.00} and the interest rate is 5 %. The mortgage company has refused to work with us for a modification and has put our home into foreclosure. My wife and I want to keep our home. We are the original owners for 42 years now. On a letter dated XX/XX/XXXX we received a letter from Specialized Loan Servicing stating that they received our recent request for modification, however, on XX/XX/XXXX we were advised that our request was denied because Specialized Loan Servicing put our home up for foreclosure sale.
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.