davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in regard to CFPB Complaint # XXXX. I have received several missed calls from XXXX with Bank of America Regulatory Complaints Department, but unfortunately I was not at liberty to answer calls during work. I promptly returned her call and then again 10 times  later last week but was forwarded directly to her voicemail each time I called. Please advise XXXX to : a ) Send me an email at XXXX to schedule the best time to speak ; or, if a ) is not an option : b ) Call me between the hours of XXXX XXXX  and XXXX XXXX Eastern Standard Time ( the earlier the better ). If she misses me, attempt to redial in around 15 minutes and I'll do my best to answer the call.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2018-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MI)

This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Certified Credit Reporting, Inc. (TX)

I had canceled XXXX XXXX 3-4 years ago. I had already turned in the XXXX XXXX receiver box the next day so I wouldnt get charge for holding the box receiver. Whats the point of having the receiver box when I dont have XXXX XXXX account. It keeps on appearing on my Credit Report. I would like to have this removed on my Credit Report please.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is based on Equifax : My name is XXXX XXXX XXXX. 

But someone used it as XXXX XXXX & XXXX XXXX Most of the credit cards and a major car loan, is not mine. 

I only have 1 car loan from XXXX XXXX XXXX and 1 credit card from XXXX XXXX, ALL else are incorrect information. 

I only have 2 major hard inquries which is from the XXXX XXXX and XXXX XXXX. 

The details from my XXXX is accurate while Equifax is way inaccurate. They probably used my sister 's social security number or had a typo that combined both of us. Again, I only have 1 car loan from XXXX and 1 Credit Card from XXXX XXXX, ALL else is from my sister ; XXXX XXXX. I asked her about it and she had no idea on why did this happen.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by XX/XX/XXXX.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws. 

I demand immediate deletion and blocking of these fraudulent entries within 4 business days.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-11-04
Product: Credit reporting 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)

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been an account holder since 1995. Last month I was surprised to find that the bank had placed a HOLD on a {$200.00} money order. The same created an overdraft. Once alerted, the CSR could not come up with a reason for the hold but immedtately released the hold but held the {$35.00} fee for overdraft.. Today, I was notified that I also had an overdraft. it seems that {$1000.00} that I deposited, also from Money orders from the same tennent that Ive had for $ 10 years, that was deposited and credited on XX/XX/XXXX was now, just today on the XXXX, 9 days later, has a hold now placed on it. I have printed the transaction history showing the deposit credited entirely until today. I normally have mortgage payments deducted around the XXXX of the month, had I not seen this today and printed the same, im sure they would have modified the account to show a different story!!! I believe Bank of America is doing this to scores of consumers all across the United States. 
I will have to scan the transaction history and upload it later. 

I will testify, or assist in any way possible to see Bank of America brought to justice ... 

Thank you XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-05-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flatonia Investments, LLC (CO)

My Closing Disclosure misrepresented the Mortgage Insurance payment, it was in fact a SFH Guaranteed Annual Fee which was never disclosed to me. 
1. The {$140.00} monthly payment is not Mortgage Insurance as listed on the Closing Disclosure, it is an SFH Guaranteed annual fee charged by the USDA to the lender who passes this fee on to me, for the life of the loan. 
2. The stated purpose of this annual fee is to allow the Agency to reduce the upfront guarantee in Sec. 3555.107g. 
3. In addition, the Payment letter issued by Envoy Mortgage LTD XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX lists the XXXX payment as PMI. See attached. 
4. Envoy mortgage LTD. Sold my mortgage to : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
5. This annual fee of {$1700.00} ( {$140.00} mo ) does not show in my escrow account with XXXX. 
6. PMI can be removed once LTV is at 80 %, which I am at. The annual fee of {$140.00} is for the life of the loan which I did not agree to. 
7. I paid the Upfront Guarantee Fee of {$9600.00} thinking this was the only fee for the loan. 
8. The SFH Fee is an additional 8.9 % charge to my principal and interest. I was never informed of this and only discovered what this Fee was by requesting the PMI be removed from my monthly payment at XXXX. See attached
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My driver license was stolen in a mailbox break-in and identity thief has my driver license. I opened up an Experian account so that I can freeze my credit report and also add fraud alert. However, with my driver license and other personal information available online, the identity thief is able to create a new experian account and deactives my account. They would then be able to unfreeze the credit report and remove the alert. 

Experian provides no security measure to defend against such attacks. The only thing I can do is to create another account to take back the control, but again, nothing prevents the identity thief to create another account. 

It is ridiculous that Experian does not verify if the person submitting the request is indeed the person.
Consumer complaint received 2024-10-05
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 XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 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 informationisinaccurate.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018, I've sent the dispute letter to Experian. 
Even though I explained this alleged debt, there was no change. 
Experian must delete this alleged debt with my evidenced documents as XXXX XXXX did. 
However, they just added one word, " Updated ''. 

For a brief explanation, The credit report issued by Experian contains incorrect & missing information on this alleged debt. 

1. At First, as you can see the attached document, the race of patient is written as XXXX. Im an 100 % XXXX person, not XXXX at all. This incorrect information makes this debt not trustful and unreliable. No one will believe this debt belongs to me. 
My parents both are XXXX  as well, even my grandparents too. 
XXXX and XXXX have so much difference in looking such as skin color, eye color, hair color, and etc. 
Assuming Id be related to this debt and be a real patient, it should have shown XXXX, not XXXX. 
Indentifying race between XXXX and XXXX is not a big problem. 
For your information, Ive attached the proof document that my race is regarded as XXXX. 

2. Additionally, there is no critical information in the document they provided. 
There is no SSN or any critical information. 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. 

As shown above, I've requested Experian to delete the alleged collection debt. 
Along with the same documents I sent to Experian, XXXX XXXX has removed this debt on their credit report. This is not mine and I don't owe any debt to them. 

As a result of this dispute, they put just one word " Updated '' on the credit report. 

After getting the update, I tried to check what content or information was changed in my credit report. 
However, there was nothing. " Nothing '' was updated or changed at all. 
I have 2 credit reports by Experian. One is before sending a dispute. 
Another is the final version of credit report Experian just sent me after the end of dispute with it. 
There is no difference between 2 credit reports at all. 
I'm 100 % sure they didn't work at all with my dispute.

They just put the word " Updated '', and nothing was changed. 
I've tried to dispute this result. However, I was denied by them on their website. 

I've attached those 2 different credit report for a comparison and other proofs. 
Please request Experian to properly work as the law requires. 
Thank you so much for your work.
Consumer complaint received 2018-02-13
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)

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2018-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.