davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (IL)

This is XXXX XXXX and I am submitting this complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting the removal of the Fraudulent information completely from my Credit Report. I was a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act section XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have read that under the FCRA section 605b the Credit Bureaus are required to remove any account and information that resulted due to identity theft. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : WFS ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$730.00}
Consumer complaint received 2022-08-05
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. (LA)

It appears that my 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 you 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 block these files. 
XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (AZ)

I have been trying to get ahold of a representative for days now ( 3 days approximately ). I cant get anyone to help me to fix my issues of scheduled payments being declined for bills and rent. Money is on there but dont have access. It started on the XXXX of XXXX XXXX.tried calling multiple times but keep getting a recording saying to try call later and then it hangs up. Cant even wait on hold!! I have tried calling early morning, afternoon and early evening and even late night. Its suppose to be XXXX. They have no other option of communication except one phone number to call. This happened a couple of months ago also, took me over a week for me to get someone!! In the meantime I cant pay my bills and will have to pay late fees and penalties!! DirectExpress is terrible!! XXXX XXXX XXXX wont even take complaints because its the government which is crazy. I need to speak to someone like now! I am looking into getting my benefits changed to a new card, but I need my money now and bills rent have to be paid. What are my options? Please try and find out whats going on with this and let me know what their explanation or excuse is. Thanks
Consumer complaint received 2022-08-05
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. (LA)

It appears that my 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 you 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 block these files. 
XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX*Balance : {$17000.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-08-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I obtained a mortgage ( Loan # XXXX ) under the name of my LLC ( FL XXXX ) on XX/XX/XXXX from Fay Servicing. Upon closing there was a small surplus in the escrow account which was due to my XXXX in the amount of {$170.00}. Fay Servicing disbursed this overage payment and mailed it to an incorrect address on XX/XX/XXXX. 

I was not made aware of this until almost one year later. I contacted Fay Servicing by phone and later by e-mail on XX/XX/XXXX regarding the issue and to please re-issue the check and send to the correct mailing address. I was told this would be processed immediately. In the coming months I made several calls and e-mails where I was repeatedly told it was " in process ''. 

These are monies that are due to my LLC and are being held by Fay Servicing rather than disbursing to the borrower, which is a violation of federal law. I am requesting that the re-issued check be mailed to my correct address ASAP to avoid being in violation of the law. It has been a year and half since the original check was erroneously mailed and has been over five months since my initial inquiry, a lender should at the very minimum follow the laws governing financial institutions. 

I am attaching pertinent information such as escrow activity screenshot, e-mail thread with Fay Servicing, and copy of original stale check.
Consumer complaint received 2022-08-05
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. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX  XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-08-05
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. (AR)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX
Consumer complaint received 2022-08-05
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: TD BANK US HOLDING COMPANY (NY)

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (GA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-03
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. (GA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-05
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. (AZ)

This is my XXXX 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Equifax, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/2022, I received a notification text and email from Barclays ( JetBlue ) credit card about possible fraudulent charges. As soon as I checked and confirmed that the card was not in my possession, I called Barclay 's fraud department and informed them that I did not authorize these charges and that I do not have the card in possession. 
One charge was at XXXX for {$310.00}. The second charge was at XXXX XXXX for {$130.00}. 

They told me everything was taken care of and they'd issue a new card for me. The charge was removed from the statement. In XXXX, these charges reappeared and I received a statement. I sent all the evidence with a narrative but they can not reverse these charges because I did not report them as " stolen ''. At the time, I wasn't sure whether it was stolen or simply lost. Only after the police investigations, it was confirmed that the card was indeed stolen and used by someone else.

Barclays then wanted me to send them a copy of surveillance footage to prove that it wasn't me who actually used the card. It could not be done because it was still in the invest
igation process. Instead, I sent them the actual police report. The investigator even offered to give a verbal or written testimony to prove that these were fraudulent charges but Barclays did not take any further actions.

Their fraud department can not do anything about it and only the managers can reverse the decision. When I asked to speak with the manager, they told me it could not be done.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-08-05
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX, XXXX/XXXX  XXXX
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

I paid off this account with Chase. I overpaid them {$1200.00}. I have called them about the over payment and at first, they could not find my account. Their response was that this account does not exist. Then, they stated that the account is XXXX. I called them less than 30 days after i paid off the accoun ( Overpayment was a mistake on my part ) XXXX Miraculously, they have every other account i have except this account that i over paid to pay off.

I have asked for a refund numerous times and they have asked me numerous times to fax them a letter and they will process a refund in 6-8 weeks. It has been months and i am not getting anywhere with Chase. They are pretty much ignoring me at this point.

I can use your help please.
Consumer complaint received 2022-08-03
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2022-08-03
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (TX)

Ally XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ Mortgage Dept I could not access my online dashboard to make my usual monthly paymt. I always pay one month in advance because Ally is notoriously bad at making mistakes. On XX/XX/XXXX, I went in to pay my XX/XX/XXXX mortg pmt. I could not access my dashboard and had a message to call in. The service rep said we all rec 'd a mailer that said the website was migrating and we needed to create new profiles ( I rec 'd no such mailer ). When I attempted to create a new profile, it sent a verification text to a phone number not associated to me. The account rep also had another number on file not associated to me. He could not fix my account, I could not access my data, and they had faulty data associated to me. They promised a return call which never came. When I called in the next day, another rep disclosed that the email address I updated to was no longer on file and it reverted to the email owned by the lender Ally bought my mortgage from. Additionally, my DOB was 'wiped ' which was preventing me from accessing the online profile. Finally, the service reps kept asking me to take a pmt over the phone which I was uncomfortable doing. I learned they did not actually work for Ally. When asked directly, they refused to answer they worked for a third party. Their lack of transparency and honesty is a red flag in this operation. In summary, Ally 's abuse and loss or misplacement of data is critical security issue, and they have operators in place not qualified to remediate the issue. My data is currently unsecure and I request your immediate investigation.