davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates.

I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. 

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I signed up for my annual free credit report. It wanted to run my card for a XXXX  to verify I am who I say I am. They were upfront about that part. Maybe a week or too later I got a notification from my bank from a declined transaction for XXXX from my credit report. I also got a text message from my bank asking if I made it. I said no. My account was negative so it didnt go through. I called my bank and put a block on the company. I got another notification today XX/XX/2020 from both my bank app and a text saying they tried to run my card again. I never signed up for my credit report. I never authorized a payment of that amount. Upon doing research XXXX  also owns my annual credit report and they are fraudulently charging customers under the guise of free credit report for a different website.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was working on securing a mortgage loan with Chase Bank online. I had started this process in XXXX in the downtown XXXX XXXX branch as I use to live there. 
I was informed on XXXX of XXXX that the guideline requires that my wife should have a 6 months of continued employment and documented previous experience. 
Since she had just returned to work on XX/XX/XXXX that we had to wait until XX/XX/XXXX to be considered. 
We waited until then. When I made an offer for another house, I started working with a remote office in Ohio which I was directed to by calling there toll free # online. My contact was XXXX XXXX- Lending Adviser NMLS ID XXXX. 
I explained to him the situation and that we had to wait for six months.

He contacted me after the six months wait time was up. He advised me that it is prudent to complete the application process and get approval prior to making another offer. I agreed and stated this process. 
I told him that its hard to find the right property while waiting to be approved. He said I can always make an offer while this process is completed. 
I found property on XX/XX/XXXX when a new listing was posted. 
I went to see the house and made an offer. The offer was accepted and I paid {$4000.00} Deposit Escrow to close in 30 days. 
I sent the purchase agreement to XXXX by e-mail only to receive an automatic reply that he is out of town for a week! fearing that I will be losing more than a week. I called and asked to get help from someone else. I was directed to another loan adviser her name is XXXX XXXX who was very helpful in following up helping upload more of the required documents. She charged me {$500.00} service fee?. 
When XXXX came back to work he called me and asked that I work with him. I uploaded more documents including an explanation of why my wife was out of work for 18 months. She had to immigrate to the US and we got married, had a baby She had to stay home to take care of. 
On XX/XX/XXXX he called and said Chase could not accept my wife 's income in consideration for this loan because she was working overseas prior to working here in the US. 
This was verbal and I asked to talk to someone else. I left messages for his supervisor and so far have not heard or gotten any written notification of rejecting my loan. 
I only have 12 days left Chase never followed up. 
I don ; 't know what to do. 
I will contact other lenders but my time is limited and I need help!
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, and Experian are all reporting my XXXX  XXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022 Bank of America placed my business checking account in a credit only status to where I could receive payments from my clients however I cant withdraw or use my debit card or write checks out of my account. I never received any notice in the mail about this. I was told this information when I went inside the bank to do a transaction to pay a vendor for business that I couldnt do the transaction. Inside the branch I could get no help because they are saying they have no idea why or how this happened. So I was told I have to call Bank of America back office for help. So everytime I call they wont speak with me over the phone they are telling me I have to go inside a branch and have the branch call on my behalf. So I go inside the branch everyday to get help and they told me 3 to 5 business days to have my account back to normal however it has been over 13 days at this point. Bank of America is stealing my money at this point. My truck payments are due for my business which I cant pay because of this. My kids I cant feed them because of this, I have no money to live because of this, I have nothing and Im losing everything and Bank of America isnt helping. I have been inside the branch speaking to a manager XXXX XXXX XXXX in XXXX Georgia XXXX Email : XXXX The name of my business is XXXX XXXX XXXX XXXX located in XXXX Georgia. At this point I just would like to close my account with Bank of America and have my funds released to me before I lose everything I have behind this because I have no access to my funds! They have no right. They didnt inform me any of this! I need help! Please help me please.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Financial issued two of my credit cards, I made on time payments and early payoffs and was a great customer overall. This past year I paid my lowes card ( over XXXX balance out of XXXX ) to XXXX and also had paid off my care credit card one year prior. Synchrony then Decreased my credit limits from XXXX on my lowes card and XXXX on my care credit down to XXXX limit each. I complained and they basically told me to pound sand. Now recently they closed one of my accounts altogether. Synchrony continues practice this same story on thousands of Americans impacting their credit scores nationwide with their shady and harmful practices. I urge CFPB to investigate and take action as this lender clearly intends to do more harm to the American people than help. 

XXXX XXXX
Consumer complaint received 2023-03-09
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. (NV)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX  Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) I have also already provided the police report created referencing these fraudulent accounts.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (CA)

In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX accounXXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions
Consumer complaint received 2019-11-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized Loan Servicing ( SLS ) purchased my HELC from XXXX XXXX XXXX in XXXX, and at the time, I was in hardship after years of unemployment. I was able to get help with the first mortgage through the Hardest Hit program but was told there was no help for the second mortgage. I received a letter dated XX/XX/XXXX, that served as a notice to default with an intent to foreclose on my property if I did not pay the accrued amount to bring the account up. In XX/XX/XXXX, I submitted a loan application with my primary lender and was notified on or around XX/XX/XXXX, that my refinance has been loan conditionally approved. I have been in conversation with SLS representatives as I have been in this process to seek the payoff amount, which would be included in the refinance. Today, XX/XX/XXXX, two weeks from closing the loan with the primary lender, SLS tacks on additional interest and escalates the charges to add {$20000.00} to the payoff amount. They have taken the loan back the original amount as if I never ever paid anything towards the principal and interest, plus adding interest from the time that I went delinquent to the present ; this is excessive. I am asking for assistance in obtaining a reasonable payoff amount.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XX/XX/2022, I hand-delivered a personal check made out to XXXX XXXX XXXX, XXXX in the amount of {$10.00}, XXXX. The check was given to XXXX, a representative of XXXX XXXX XXXX, at their office ( XXXX XXXX XXXX, XXXX CA XXXX ) as a deposit for construction options. I was later informed that XXXX put the check in the mail at a post office in XXXX, CA to be sent to their corporate office after receiving it. 

My check was deposited into an account held by Bank of America and subsequently cleared on or about XXXX XX/XX/2022. The image of the deposited check was not immediately available. However, on XXXX XX/XX/2022, I noticed an image of the check was available. After viewing the image of the check, I noticed that the check had been altered such that it was made payable to " XXXX XXXX XXXX. '' Additionally, the memo on the check had been altered from " Options deposit '' to " # XXXX ''. 

I do not know XXXX XXXX XXXX and am opening this claim to request your assistance with getting my money back. Although I submitted a claim with XXXX XXXX  Fraud department on XXXX XX/XX/2022 ; their response was that they are not responsible for returning my money. Rather, they claim, that Bank of America, the bank where the fraudulent check was deposited is responsible for returning my money. XXXX XXXX  also stated that they sent a letter of collection on my behalf to Bank of America for {$10000.00} but that Bank of America has not responded. Further, XXXX XXXX  indicated that if Bank of America does not respond to the letter of collection within 90 days of its remittance, they will close my claim and I will not receive my money. This is unacceptable as I believe Bank of America and XXXX XXXX  knew or should have known the check in question was fraudulent. 

I am in desperate need of help! I am on a very tight schedule and need the money in question back so that I can purchase a home. If I do not get the money back soon, the rate lock with my lender will increase and I will no longer be able to afford to purchase a home. Further still, housing prices at their current rate of increase will be priced out of my reach if I do not purchase the home I have selected within the proscribed period. 

Please assist me by encouraging Bank of America to respond to the letter of collection sent to them by XXXX XXXX. I would also appreciate any and all information about the transaction giving rise to this request such that I may share it with the City of XXXX, CA police department to aid in their investigation of this crime. 

Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX