davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

As recently as early this morning I received a call from very rude woman and this has been happening. I called and spoke with a polite man weeks ago and he advised that he escalated the matter and someone be calling. No one called and this harassment continues. 
The issue is that the threat is if I don't sign the certification of occupancy I can be foreclosed. This is extreme daily stress and worry that is illegal. I don't know what else I can do to stop this from happening. Reiterate that they even sent a man in person to get this information from me. Yearly this happens. 
This is not the first time. This is ongoing and I feel bullied by this company. 

I challenge the Executives to listen to how disrespectful and abusive their staff is. 

It is unreal that they call and get so insulting and nasty. The reason I am being harassed constantly is that they send out the proof of residency form which I promptly return. Then a gentleman who is quite professional comes to the house to bring the same forms. He can attest that I comply even though I have sent it in. 

Months later I am being harassed constantly and being abused by callers threatening me for the same information. I am receiving in excess of XXXX of these per week. A month ago I was so fed-up I signed yet another and they continue to come in the mail and the nasty calls continue. 

I will be filing with the federal agencies. This can not continue.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (LA)

On XXXX XXXX, 2022, my travel agent submitted a substantial charge for an upcoming cruise for payment via my Chase credit card. The charge was made on the same credit card with which I had made the cruise deposit and was made some 10 days before the due date for the final payment. When I contacted the travel agent several days later, but before the due date, to arrange for payment, I was informed that it had been made already with the Chase credit card. Although I was uncertain whether the charge exceeded my credit limit on that card, I was assured by the travel agent that there had been no hesitancy by Chase in accepting the charge. However, I was notified on XX/XX/XXXX by a credit monitoring company that notification had been received that I had exceeded my credit limit on a card by over {$6000.00} and learned that my XXXX score has correspondingly dropped by XXXX points, from " exceptional '' to " good ''. Complaints to Chase that I had received no notice from them or requests to rectify the situation between XXXX XXXX and XXXX XXXX, when they prepared my monthly statement and simultaneously notified the credit reporting companies were .to no avail. And, even on my statement, received on XXXX XXXX, I was required only to make a payment of some {$290.00} by XXXX.
Consumer complaint received 2023-06-02
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. (TX)

I asked bureaus to do a thorough investigation of my credit files due to improper inaccuracies on my credit report. The credit bureaus responded back to me that they found no improper inaccuracies in my credit files. However, even after their investigation was completed I still found the same improper inaccuracies in my credit files. 

The account name is XXXX XXXX The account number is Account # XXXX And XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
15 U. S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction, or consent
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM A VICTIM OF IDENTITY THEFT!! I am in the home buying process and these fraudulent accounts are causing my family and myself a lot of emotional distress. I've been trying to buy a home and I am being impacted by these fraudulent accounts. 
There are several inaccuracies on my report that I didn't authorize these accounts, violating my rights according to the FDCPA. The XXXX XXXX agency continues to violate my rights according to XXXX XXXX XXXX. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

Bank of America is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$530.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2021-09-13
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. Failure to respond back to me and provide information. This inaccurate information has tarnish my life into pieces
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-10-20
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. (MT)

This is one of my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00} and XXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance {$2600.00}.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-02
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; US DEPT ED XXXX XXXX XXXX {$7500.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX PL XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-06-02
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

The problem is associated with Westlake Portfolio Management their are XXXX addresses associated with them ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX and Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX California XXXX - XXXX, email address is XXXX phn # XXXX - XXXX - XXXX - XXXX and XXXX XXXX XXXX - XXXX An CFPD Complaint against them and unfair practices has already been reported about them on XX/XX/XXXX concerning credit cards the file ID is XXXX, on XXXX XXXX of their representatives told me that I had a debt of $ XXXX change from Account XXXX Contract # XXXX, that was transfered from XXXX XXXX XXXX, whom is no longer in buisness, I let the representative know that on XX/XX/XXXX I received a letter from XXXX XXXX Client Resolution XXXX that stated any missing or late payments had been removed and correct and accurate information was provided to the XXXX major credit bureaus,, also that on XXXX - XXXX - XXXX In a response to a complaint I filed against XXXX XXXX ( ID XXXX XXXX - XXXX ) with CFPB, XXXX XXXX XXXX has stated that the account associated with the XXXX XXXX XXXX XXXX was closed , payed off with a XXXX balance, I have also emailed Westlake Portfolio Management pictures on the letter from XX/XX/XXXX from the XXXX XXXX Client Resolution XXXX, a shared link to file ID XXXX - XXXX that shows XXXX XXXX  stating to the CFPB that I no longer owe any money at all on the account and it is closed with a XXXX balance, she then stated that I showed email them a copy of the XX/XX/XXXX letter, I spoke to another representative on XX/XX/XXXX that said they would look into the matter, they haven't responded back to me or explained why the account is still open after XXXX XXXX stated it was close in their response in ID File XXXX - XXXX on XXXX - XXXX - XXXX, I also requested a pay off letter by both mail and email fro. Westlake Portfolio Management concerning the XXXX XXXX XXXX Account # XXXX Contract # XXXX, In have not yet received any response, I will be provided them with all necessary information that proves the Account shouldn't be open and has been forfilled, it appears that XXXX XXXX has lied to the CFPB in the response on XXXX - XXXX - XXXX and or Westlake Portfolio Management is lying as well.
Consumer complaint received 2020-07-02
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 filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2022-09-12
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: SYNCHRONY FINANCIAL (WI)

On XXXX XXXX I was incorrectly charged {$69.00} via PayPal Credit/Synchrony Bank for a charge that I did not authorize. I filed a complaint and eventually the charge was reversed and was told all was settled. Just in case the charges continued in XXXX when I was discussing this with Synchrony I put a hold on my PayPal account as I have had issues with unaware charges happening with PayPal. Even though the issue was supposedly resolved I continue to this day ( XX/XX/2022 ) get Robo credit collection calls from them and now I will not longer answer them. On XX/XX/2022 I had a discussion wit the resolution department of Synchrony Bank and the woman told me I owed nothing regarding this charge and that any calls regarding it were scam calls as my balance was XXXX. So, I sent PayPal credit a letter dated XX/XX/2022 which I sent in with the PayPal bill ( now up to {$180.00} due to fees and charges ) and told them to print out the conversation that I had with their resolution department. I want to see that conversation that specifically said the issue was resolved and I owe nothing. At least 2-3 calls, texts, occur DAILY and I owe them XXXX XXXX How do I stop this harassment?