davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
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: ID Analytics, Inc. (FL)

I am beyond exhausted trying to work out this situation of the false reported information on my report with XXXX XXXX. I just received a letter today dated XX/XX/2018. I sent XXXX XXXX my identifications and my police report and their credit report they had specifically sent to me showing the negative account that is not relevant to me. I also sent them a affidavit from XXXX notarized which XXXX had already resolved the situation as proof to them and all requested documents by them as well in addition to my identity theft affidavit signed and notarized. I have called them and left them several messages as they do not answer their phones or can you speak to a representative unless they received your message on their recording. The item reporting on my report is not my account ; I've sent all proof which XXXX has completely ignored and used a tactic to purposely delay investigating this to have this removed off of my report. Instead they sent me a letter requesting my driver 's license because they claim they can't see it when this is the same exact copy they received when sending me my original report so this is obviously some ridiculous tactic they're using. They're also stating they need my address verification.. XXXX XXXX has my driver 's license that has the primary address on it and they also have my mailing address at my XXXX XXXX address which I noticed in my report they only have my XXXX XXXX and not my primary address which they need to include. I need my full disclosure report not a partial report.. I need my entire report. This false reporting account needs to be removed off of my report otherwise I will sue XXXX XXXX XXXX for Defamation and I will also sue for willful injury and financial injury under the FCRA SECTION 623 LAW. XXXX XXXX needs to delete and remove this account off of my report and provide me with an updated Report with my addresses on them. This fraudulent account needs to be removed off of my
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.
Consumer complaint received 2018-10-16
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Transunion, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

For a number of months I attempted to discuss the Keep Your Home California program with my mortgage loan servicer, Wells Fargo Bank, N.A. The program was developed for California 's handling of the hardest hit funds federal program. I was ultimately approved for the program and have since received a substantial some through the program. Subsequent to my approval staff working for the program advised me they had been unable to contact Wells Fargo to discuss my loan. I thereafter contacted Wells Fargo on multiple occasions in an attempt to both trigger them responding to Keep Your Home California and obtain information about their involvement with the program. Wells responded by telling me they could not talk with me because my " loan '' was in litigation. In point of fact my loan is not and has never been the subject of litigation. My litigation with Wells is based on Wells ' violation of both federal and state law and does not, in fact, involve my loan. Despite this Wells has now on multiple occasions told me both in writing and over the telephone that they can not speak with me and instead directed me to contact their attorney. Since I am represented by counsel it would be a violation of California 's rules of professional conduct for Wells ' attorney to speak with me. Given it is at least possible this " direction '' is coming from their outside counsel I have also filed a complaint with the State Bar of California about it. It is also quite possible that Wells has separately decided to try and steer me to their outside counsel however I have been a customer of Wells since they acquired XXXX XXXX decades ago. Indeed, I opened a checking account with XXXX prior to its being acquired by Wells in XXXX. The bottom line at this juncture is that Wells is refusing to discuss questions I have about the servicing of my mortgage loan by making false statements about the context and facts of the ongoing litigation. Indeed, in their latest written communication they have flatly lied about the actual dates about which I've inquired and misrepresented my statement as well.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX card service is reporting an opening date that I can not match to my records, I am asking them to provide me with a copy of the original application so I can verify accuracy on the opening date and exact match to my records. EXCUSES WILL NOT BE ACCEPTED EITHER YOU HAVE IT OR YOU DONT
Consumer complaint received 2018-10-15
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: Medical Society Business Services, Inc. (AZ)

My name is XXXX XXXX, this morning i awoke to two collects on my credit report that do not belong to me from a company called XXXX XXXX XXXX XXXX XXXX for XXXX and the other for XXXX. I attempted to call the company who left me on a hold of 11 minutes and also tried disputing both of these on my credit karma but only allows one at a time. I was arizona department of corrections inmate number XXXX and before that was in XXXX  here in arizona awaiting to go to XXXX, this is public knowledge. Now I have a great job was on my way to a great credit score and this happens. Both of these show up today on XXXX XXXX stating that they have been reporting since 5 years ago which I find impossible, just like the XXXX XXXX account that was closed due to fraud as well while i was gone. Please assist me in this matter.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AS IN XXXX XXXX, XXXX XXXX, AND XXXX XXXX.I have proof that it has been removed and have proof of showing as a new collection. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection.
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

On XX/XX/2018 my vehicle got into a total lost accident. At the time I had XXXX XXXX   and they took care the remaining balance with bmw financial. Prior to this issue, I had issues with bmw not reporting to the credit bureau my monthly payments and I contacted them numerous of times. I spoke to a guy by the name of XXXX XXXX numerous times and sent in an affidavit and he promise the issue will get resolved and they will report everything accurately. Yesterday I checked my credit report and it show voluntary lease terminated and balance owe. At this time Im trying to get a new vehicle and I cant because this is affecting my credit. I called bmw and spoke to 3 people this morning and they told me they will try to get this resolved but I dont feel confident they will because my prior experiences with them not resolving it. They account is paid off and I also paid my deductible of {$1000.00} there it should be update with the dull amount paid off of {$32000.00}. It should not report like that and show that it was paid and no balance is owe. I want this fix immediately. I have no vehicle to get back and forth to worth. I have a XXXX years old son that needs to go to school. This is a big inconvenience and my credit has dropped.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a  lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2018 I sent out a dispute letter to TransUnion to validity and accuracy of your recent investigation of the bankruptcy that is reporting on my credit report. I ask them explain to me how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called transUnion XX/XX/2018 asking them to how they validate this account. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
Consumer complaint received 2018-10-16
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. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2018-10-15
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. (NY)

I am submitting this complaint about experian credit reporting agency. I have been disputing an account " XXXX XXXX XXXX '' that is reporting on my experian credit report for months now. To reach a live rep at experian was extremely difficult and I am unable to file another dispute online as the system will now allow me. This account has fraudulant charges on it from a few years ago. I disputed it with all 3 credit reporting agency 's XXXX did there investigation and it was deemed that the charges were fraudulant so the account was removed off my XXXX credit report however experian is still reporting it. Having this information report is affecting my credit score in a negative way. I do not owe this money as the card was stolen and fraudulant charges were made on it. I am consistentaly disputing this account. My biggest question is if XXXX received verification to delete it off my report why isn't experian receving the same response? I do not no what is reporting on XXXX as I haven't been able to view a current report from them either. I requested an updated XXXX report but never receveid one.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have 3 Citibank Platinum AA credit cards for different purposes. One AA card ending in XXXX had a credit balance of {$350.00}. I requested it be transferred to a different card. This credit balance was subtracted and supposedly transferred on XX/XX/XXXX. However, this balance was NOT transferred to either card I have. It was simply subtracted so I no longer had a credit balance, so Citibank took the {$350.00}. I called five times over five weeks, and asked where the balance was. Each time, the rep said " oh that's strange '' and said " oh I found it it will be transferred within 2-3 business days ''. It has NEVER been transferred, and I am still missing the {$350.00} credit. So Citibank owes me {$350.00} that was subtracted ( they claim transferred, but it was not ) from the AA account ending in XXXX and they need to return this to me.
Consumer complaint received 2018-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On, or around of XX/XX/XXXX. After several letters, of disputing! XXXX still reporting US BKPT CT. Fr  XX/XX/XXXX- to present? XXXX XXXX,XX/XX/XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX. No validation! TransUnion, reported to XXXX XXXX XXXX, XX/XX/XXXX/-XX/XX/XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX.claim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
Consumer complaint received 2018-10-16
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. (NY)

I have sent dispute letters to Equifax, XXXX, and XXXX  since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I am writing for assistance to determine the legitimacy of the owner and servicer of my mortgage. With whom should I speak to regarding the owner ( s ) and servicer ( s ) of my loan. Currently, the owner is XXXX XXXX XXXX and servicer is Caliber. 

In XX/XX/XXXX, Caliber did a modification. After doing so, Caliber changed my FHA Fixed rate mortgage to an Conventional Adjustable one, When I discovered the issue I filed a complaint with Consumer Financial Protection and Caliber was supposed to have corrected the issue. 

As of XX/XX/XXXX, the owner will be XXXX XXXX XXXX and servicer is XXXX XXXX XXXX XXXX. In lieu of the fact that fraud is as at an all time high. I am trying to ensure the aforementioned is accurate and the transfer is legitimate. 

Please let me know who I should speak with regarding the issues listed. Thank you in advance.
Consumer complaint received 2018-10-16
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. (AL)

I have notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have been denied credit and pre-qualification due to a fraud alert on my credit profile that does not contain any contact information. My phone number XXXX should have been added so that creditors can contact me to verify my identity and application. Every time i try to submit a request to Experian, XXXX   or XXXX  online, I can not seem to be successful as each one causes an error.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hello : Almost 2 years ago Chase Bank closed my law firm bank account ending in XXXX arbitrarily, capriciously, unethically, immorally, illegally and without remorse, for apparently no legitimate reason, other than what I reported to you may have been due to discrimination, political, targeting, or other malicious reasons. I have recently filed a complaint with your office about how this action is now being repeated at my current law firm bank account with XXXX ending in XXXX, and this is currently an open complaint at your office. Now please see this attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, which I literally just received, that appears to admit what I complained about before in my complaints against Chase Bank, and coincidentally arrived just when XXXX has prepared to close my account unfairly, without reason, again causing massive disruption, destruction, destabilization, disorientation, humiliation, and blacklisting of me and my law firm, and consequently my little baby XXXX who is only XXXX years old, for whom I opened up a small starter bank account with XXXX with his aunts birthday gift money of {$500.00}, and now towards my loving wife XXXX who we also opened up a bank account with XXXX a few weeks ago. Please look at my previous complaints against Chase Bank, re-open them in light of this new and attached CHASE BANK WRITTEN ADMISSION OF LIABILITY AND FAULT, and also use it to look at my most recent complaint against XXXX, currently open at your office, to see if it shares any commonalities to the criminal and civil allegations that I raised, therein. I even visited the physical Chase Bank branch on XXXX XXXX, XXXX XXXX, NY XXXX this past week where I spoke with XXXX, this personal banker who both sheparded and supervised this Chase Bank closure 2 years ago, and although he said that he would get back to me about the attached letter, he never did. His equivalent at XXXX, who also promised to get back to me this past week was XXXX XXXX at the XXXX XXXX, XXXX XXXX NY XXXX, as well as his counterparts at the XXXX XXXX XXXX branches XXXX XXXX and XXXX XXXX XXXX, who seemed to both mock and trivialize these troubling events. Please urgently investigate and advise, as these people have also blacklisted me from banking at their banks, and other banks whom they share information with, thus depriving me of life, liberty, property in violation of the United States Constitution and my inalienable human rights and civil liberties as a quasi-governmental body since they are dependent on loans/money from the federal and state and local government. I enclose a few articles that I wrote recently and a few years ago wherein these banks misconduct and bad behavior inspired me to write a few op-eds about their collective actions - see XXXXXXXX  : XXXX and XXXX : XXXX Kind regards, XXXX