davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (IN)

I was looking at my credit report and this accountXXXX looks weird to me. This creditor XXXX XXXX previously reported this account on all 3 bureaus and actually only Transunion account keep this account on my credit file. 
In accordance with the Fair Credit Report Act, Credit bureau supposed to report accurate information on the consumer file, I demanded to investigate this account, because everything on this credit item on my credit report looks to be incorrect, and when this account was reported to XXXX and XXXX they found that this account is not belong to me and it was removed from my credit file. please review the update attach report.
Consumer complaint received 2023-06-22
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-22
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: Advantage Credit, Inc. (TX)

XXXX ; DUE TO RECENT NEW LOAN REFI APPLICATIONS. I HAVE DISCOVERED THAT A COMPANY OR GOV ALINED ENTITY ; MAY HAVE POTENTIALLY BEEN USED TO DISSEMINATE AND DISCLOSE UNLAWFUL ; HARMFUL ; OUTDATED ; DISCHARGED BANKRUPTCY. AS A RESULT OF POTENTIAL DISCLOSURE AND PRIVACY ACT ABUSE ; MY CURRENT XXXX XXXX XXXX XXXX XXXX BELIEVE BOTH DOCS AND RECORDED CONVERSATIONS SHOW THAT XXXX ARE TRYING TO USE MY OLD DISCHARGED XXXX IN VIOLATION OF RLE AND BK CODE. THEY HAVE MADE THREATS AND TRIED TO FORCE ME INTO A LOAN MOD THAT CONTAINS FALSE MISLEADING INFORMATION IN ADDITION, A COMPANY NAMED " ADVANTAGE CREDIT '' HAS OBTAINED W/O MY AUTHORIZATION MY OLD BK DISCHARGE RECORDS AND DISTRIBUTED THEM WITHOUT MY PRIOR AUTHORIZATION. IN ADDITION, ADVANTAGE CREDIT AND XXXX XXXX. PULLED AN [ UNNAUTHORIZED HARD COPY ] OF MY CREDIT REPORT. WHICH CAN CAUSE NEGATIVE POINTS AGAINST MY CREDIT. ( I ) NEVER AUTHORIZED ADVANTAGE TO ACCESS XXXX OR DISSEMINATE AND DISCLOSE PRIVATE PERSONAL FINANCIAL HISTORY RECORDS. HOW DO I STOP THIS ABUSE FROM HAPPENING? A LAW SUIT?
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I made a payment to Bank of America from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.
Consumer complaint received 2023-06-23
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)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX  report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Colony Brands, Inc. (LA)

Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.
Consumer complaint received 2023-06-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I never heard of this debt. I monitor my credit with XXXX and in XXXX of 2023 or so I received notification that this account was posted to my XXXX  and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-06-23
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. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2023-06-22
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

In XX/XX/XXXX I lost my job. I missed a mortgage payment and in XXXX I began the loss mitigation process. I spent nearly 3 months trying to work on the application for them to deny stating it needed to be my ex husbands info and not mine since his name is the mortgage holder. Im on title. They never told me this at any point in The process. They just told me to provide the divorce decree as it stated Im responsible for the loan. At this time I fell further behind as I was under the impression the application was as going through and I could make a loan modification. In XXXX they denied my application. 

In XXXX started the process again. They were moving into foreclosure. Started the process again. This time with the participation of my ex husband. 

Began in XXXX. Turned in the application. Through the process we were given letters stating what were were missing for the application to be complete. For weeks it was marked that the application was complete they just needed tax info and pay stubs and bank statements at the end. Multiple times I called in and in the notes there were item needed that were never provided to me in writing in their letters stating what was missing for a complete application. For example they said they needed and HOA bill. I provided. XX/XX/XXXX I got a denial stating the application wasnt complete. They were missing page XXXX which was never mentioned in any letter provided to me. It was also marked complete online for the weeks leading up to today. Then They also stated they were missing my pay from XXXX. I dont get paid on XXXX, I get paid on XXXX On XX/XX/XXXX I received an email from XXXX XXXX - he was the person in charge of my file. I request for the next 3 weeks for him to call me or email me. I escalated to managers. They messaged him on teams and reached out to him. He never once called me or made any type of contact. In the 2 months of this process he sent me one email which I responded to immediately and never answered another one I sent him.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (NH)

I lost my house to a fire on XX/XX/XXXX. Gregory funding mortgage company has had the insurance check for 5 weeks now and am still waiting for them to credit my account. I need them to do this so that I may sell property as is and find a new home. I had lived there for 24 years and I lost everything. I am retired XXXX XXXX XXXX XXXX, served XXXX. They need to finalize this for me. I would appreciate any help with this.
Consumer complaint received 2023-06-22
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. (TX)

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 2023-06-22
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: Early Warning Services, LLC (TX)

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 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

I received a letter advising that I had a past due balance on a victoria secret card that I did not have or use. I was advised that I purchased for almost XXXX dollars items that I did not make or receive because I am a XXXX patient. The debt was transferred to a XXXX XXXX XXXX named XXXX XXXX from Victoria secret. I advised them that I was in the hospital getting XXXX care and that I did not make these purchases and disputed it. They told me although it was disputed they provided proof of the debt and that I still owed. I wasnt able to offer my reason for disputing it and I am asking for your help in addressing this matter.
Consumer complaint received 2023-06-22
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello. Why did Trans Union remove XXXX points from my credit score today? 
I know why, because for some reason you removed my XXXX XXXX credit card from my credit report, even though this account is still active and I am using it. 
Immediately add my XXXX XXXX credit card back to my account, and also increase my credit score back to what it was. 
Attached to this complaint is my XXXX XXXX XX/XX/2023 statement. 
Attached is a photo of purchases that I made today with my XXXX XXXX card. 
This entire situation happened just now, and I just received an email from XXXX XXXX who let me know that this transpired. 

Sincerely, XXXX XXXX