davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (AL)

I was affected with identity theft that cause me not to have credit or have bad credit due to incorrect information an reporting deceased illegally XXXX illegally allowing debt collector report false information on my report shouldn't be allowed to do cause my credit score to drop down XXXX points for they mistake nobody couldn't provide any information about my date of birth XXXX XXXXXXXX  I was effected with identity theft an it everything reported on my report should be removed off my report due to this problem I never have a open account they can't provide successful evidence anyone could use my name to get access to good no should anything should been approved with 2 form identity card an social security an proff of address fraudulent activity everything should be removed off my report
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

I applied for a refinance through CrossCountry Mortgage on XX/XX/2022. The loan officer in XXXX told me I didn't need to .are a payment on my original loan for .y refinance had gone through but was waiting on an appraisal which didn't come through until XX/XX/XXXX. Then they declined the loan. Putting me back a payment on my mortgage.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the week of XX/XX/XXXX, I was contacted by " XXXX '' from " XXXX XXXX XXXX XXXX '' ( supposedly located in XXXX, GA ) about a proofreading and copyediting job that I applied for on a freelancing platform called XXXX. She said that I would be a good candidate for the position, and her associate, " XXXX XXXX, '' will get in touch with me over XXXX should I be selected for the role. After talking to XXXX, she informed me that I had been selected for the role. She sent me an offer letter for me to sign and return, and startup funds totaling {$4600.00} to purchase work equipment ( i.e., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and installation & handling fee ). On Thursday, XX/XX/XXXX, XXXX instructed me to contact the company 's approved vendor representative, " XXXX XXXX, '' via text message to transfer the funds through XXXX to purchase the necessary work equipment. XXXX instructed me to transfer the funds in {$500.00} increments. After I transferred a total of {$1500.00}, my bank ( i.e., Bank of America ) alerted me that this was a scam and that I should stop all communications with these individuals. In total, I lost {$1500.00} to this job scam. 

I filed a claim with my bank immediately to see if they would credit the amount that I transferred to XXXX. However, after waiting for a period of 12 days, Bank of America informed me that they were unable to approve my claim because their records indicated that the transfers were completed according to my instructions, so, therefore, no errors occurred on their end. I'm disappointed in their response because I believed my situation met the parameters set forth under Regulation E ; however, there was no mention of that anywhere in their letter. They are currently in touch with the bank that received my transfers ( i.e., XXXX XXXX ) in an attempt to recover the funds. This may take up to 45 days ( as of XX/XX/XXXX ).
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
Consumer complaint received 2022-12-14
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. (NV)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-19
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. (MA)

I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-04-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL 3 consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments
Consumer complaint received 2022-06-11
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. (TN)

inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In Agreement the Fair Credit Reporting Act XXXX  with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Ive reached out to XXXX XXXX many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. XXXX XXXX has refused to do so. I really need help with this issue.
Consumer complaint received 2023-02-15
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: OneMain Finance Corporation (TX)

n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX/2022 XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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.

This is a duplicate inquiry and shall not be showing on my credit report.
Consumer complaint received 2020-10-10
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. (MD)

Ive reached out to XXXX XXXX many times because they continue to report inaccurate information to the credit bureaus. They have two loans on my credit report dating XX/XX/2011 and XX/XX/2011. Both report the same amount of XXXX as the amount of the loan I took out. This is not true! I did not take out two loans two days apart. I would like to have this removed from my credit report. XXXX XXXX has refused to do so. I really need help with this issue.
Consumer complaint received 2020-11-16
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)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

ECSI has attached a debt to my credit and willfully violates an automatic stay order of my chapter XXXX bankruptcy in defiant violation of the Fair Credit Reporting Act ( FCRA ). They were notified on three occasions ( via mail, phone and email ) of bankruptcy filing by my attorney and myself. XX/XX/XXXX in the XXXX XXXX of California chapter XXXX was filed on my behalf by attorney XXXX XXXX case # XXXX. ECSI refuses to remove the debt from my credit in clear violation of FCRA. 

Further, the debt is for a student loan allegedly dispersed to me in 2004. The last year I attended XXXX XXXX was XX/XX/XXXX. This charge is fictitious. 

The misreporting of this information has had a negative impact to my credit. It has also recently caused me to be declined for credit. The stress of trying to correct this with the company has been both burdensome and time consuming.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I requested my on-line saving account at PENFED Credit Union , with a balance of about {$150000.00}, to be close on XX/XX/2023. I also requested the account balance ( ~ {$150000.00} ) be sent to me via check, since they indicated a sum of that amount could not be issued to me via an electronic transfer. Note I had used electronic transfers to and from PenFed and my accounts at my primary banks. I have contacted PenFed via phone to ascertain where and when the balance will be issued a number times without any definite explanation from them. The only response has been we are looking at it and will get back to me by phone. No followup phone calls have been received from PenFed as of today. I have contacted them over XXXX times including today, with same response.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc (TX)

I received the following offer from Venmo : Limited time offer : score a {$50.00} bonus when you spend {$500.00} with your Venmo Credit Card by XX/XX/2022. 


I spent {$500.00} but didn't receive {$50.00} bonus
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (GA)

I ordered a copy of my report in Identity IQ and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX, XXXX XXXX my husband did a loan modification on our 30yr fixed mortgage with Wells Fargo XXXX Per the terms of the loan modification, we were to pay {$870.00} at a yearly interest rate of 3 % on the new balance on {$140000.00} under the Note and Security Instrument. Like most Americans during this time, a reduction in mortgage was a relief due to our reduced income from layoffs. We paid this balance for 11 years until we refinanced in XXXX for a better interest rate with a new lender. This is when we became aware that our mortgage with Wells Fargo was changed to a 40+ mortgage, with us still needing to pay 40 more years. After learning that we were also victims of Wells Fargo mortgage fraud, I called all the lawyers and agencies associated with suing Wells Fargo. However, I was told that I was too late to get in on any of the lawsuits. I have just become aware of the latest CFPB action taken against Wells Fargo in XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX, and was told they did not have us listed for any kind of compensation due to XXXX mortgage fraud. I hope someone within your bureau will be able to assist us with this issue.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE DISPUTED WITH TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.