davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (FL)

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : 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 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

In XX/XX/XXXX my home was damaged by Hurricane Irma and I began a loan modification process with XXXX XXXX. I did not make payments for several months ; XXXX XXXX notified me that I needed to provide documentation, I provided numerous documents including financials, pictures and letters of damage. However, I was not getting a new payment amount from them this process took longer than made me comfortable. I called on a weekly basis for XXXX months trying to finalize my new loan amount. In XXXX of XXXX, I received a letter from Freedom Mortgage notifying me that they had purchased my loan and would be my new servicer. The loan amount at that time was noted to be {$170000.00} with an escrow balance of {$2300.00} and a past due amount of $ XXXX. I was shocked since for the last XXXX months I had provided XXXX many documents to modify my loan. XXXX refused to speak to me about this referring me to Freedom Mortgage ( my new lender ). I understood at this time that XXXX had not completed my modification, I proceeded to provide all of the documents again to Freedom Mortgage and they processed my Loan Modification in XXXX of XXXX. In XX/XX/XXXX, I attempted to refinance my FHA loan to get rid of my PMI mortgage and this is where I noticed that I now owed more than I did when I originally purchased the property XXXX years prior there was a partial claim with HUD worth $ XXXX plus the $ XXXX plus $ XXXX plus a negative escrow amount of $ XXXX this totaled $ XXXX and I had purchased the property in XXXX for {$230.00}. This alerted me to begin asking XXXX XXXX to provide the loan modification documents and the balances, they notified me that they would not provide the loan modification documents as they were privileged but did provide me balances from XXXX to XXXX, they then informed me in writing that they would not provide any more information as Freedom Mortgage was my new lender. I asked Freedom Mortgage to provide a reconciliation of my escrow account and they notified me that they did not own my mortgage prior to XX/XX/XXXX and would only provide documentation from XX/XX/XXXX on. I used those two balances that I received and reconciled as best as I could with the limited information I had. I can tell that from my reconciliation that the issues are with my escrow balances beginning in XX/XX/XXXX ( but possibly longer but no one will provide me documents ). These issues in my calculation overlaps both mortgage companies. I also identified errors with Freedom Mortgage escrow balances. I can't get these companies to provide accounting of my balances since they now put it on one another, and they also won't give me a call to discuss. I believe my account is overstated and I need help reconciling these balances mainly the escrow balance.
Consumer complaint received 2022-10-23
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. (NV)

FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information XXXX XXXX XXXX XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (GA)

I opened a fraud case against Experian XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and Experian will to answer to why they are violating my consumer rights.
Consumer complaint received 2022-12-01
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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. 

Account Name : account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF DEFENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States U 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 ti believe that the information is inaccurate.
Consumer complaint received 2022-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

My name is XXXX XXXX and I am in the process of selling my home. When the title search was done, an old 2nd mortgage/HELOC came up for XXXX. This account originated from XXXX XXXX XXXX XXXX XXXX ), to Suntrust, to BB & T, and now Truist. Back in XX/XX/XXXX XXXX XXXX XXXX, I had done an " in house '' loan modification to where I thought they waived this HELOC but it was not recorded, and I know it would have been up to me to check, but it is not on my credit report and was considered an " unpaid charge off ''. I have not received any correspondence, any mail, calls, emails etc from this company at all in XXXX  years. So, I thought it was a written off account when I did the " in house '' modification. 
However, if I have to pay it, I am willing to do that because I need a clear title to close on my home. I am exhausted and very upset as to how I have been treated by the Truist calls, being transferred to repeated numbers over and over. Countless hours on the phone and not one representative can even find the account. Being passed off and ignored could hinder the sale of my home and cost me huge amounts of money. I emailed XXXX, and finally got a response that they do NOT handle HELOC/second mortgage accounts and exclaiming to me not to email them again. They provided me with some contact numbers and every one of them went straight to the " standard customer service number '', other than one that was for commercial retail ( nothing to do with my issue ). I am being passed off and ignored. 
I have called and called and called, I have a complete list of everyone and all of the phone numbers that I have been passed around to all week, starting XXXX XX/XX/XXXX. I even went into the XXXX XXXX XXXX XXXX XXXX and the representative was unable to help as well. 
The attorney handling the closing has requested a payoff from Truist, however, if they do not provide one, to use a 3rd party company to handle it. I researched this 3rd party and it appears that they only handle " paid in full '' mortgages. 
I am seeking your help to find out how to get this payoff. 
My contact information is XXXX The old account number is XXXX ( I have an old statement from XXXX in my possession ) and it was with Suntrust. 
The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (OH)

( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 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 XXXXXXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-05-06
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: R & B Corporation of Virginia (VA)

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have tried to close my paypal account for over a week now as I no longer agree with their business practices. I tried online on multiple occasions I have called and spoken to representatives XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. They have told every time Paypal is having technical issues closing accounts but it should be resolved in XXXX to XXXX hours. I have been told the have made me a priority. I have messaged the chat agents and get the same song and dance. I feel like I am being held hostage. I have nothing outstanding on my end. I no longer agree with the terms of service and want my account closed. There is many many people having the same issue and being told the same things Ive read on social media. I just want this taken care of.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 XXXX {$100.00} ( {$800.00} ) withdrawals were fraudulently deducted from our personal checking account with Wells Fargo through XXXX to persons unknown to us. I contacted Wells Fargo immediately and they opened a claim and in 2 days sent a denial that they were sent by my husband 's online " secure '' transmission. He also filed a claim with Wells Fargo for fraud and theft and Wells Fargo also denied it for the same reason. We filed a police report and a " fraud '' report with the FTC and gave these reports to Wells Fargo. We were told by the fraud department that someone " updated '' my husbands email and immediately enrolled in XXXX that same day and the money was stolen. My husband did not bank online with Wells Fargo and did not even realize that he had an online account with Wells Fargo. We explained this to the fraud department at Wells Fargo that someone " hacked '' his account and stole the money. We keep getting the same answer, " sorry, your claim is denied and there is nothing we can do ''. My claim number is XXXX. My husband 's claim number is XXXX.
Consumer complaint received 2022-10-23
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. (NV)

THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 120 Remarks Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

someone applied for credit with my name for bank of america on XXXX its fraud i didnt apply for credit with bank of america at all. I just filed bankruptcy XXXX om XX/XX/22
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!