davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. 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. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following 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. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX XXXXXXXX : {$2900.00}
Consumer complaint received 2022-10-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

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. 
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}
Consumer complaint received 2022-10-05
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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-05
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. (CA)

XXXX XXXX XXXX XXXX bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues
Consumer complaint received 2022-10-05
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. (CA)

XXXX XXXX XXXX XXXX bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues
Consumer complaint received 2022-10-05
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. (FL)

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF ED/NELNET XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF ED/XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Consumer complaint received 2022-10-05
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. (FL)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies do proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-10-05
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-10-05
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. (FL)

It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I have been asking to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies do proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have been disappointing me and have failed to send me copies of documents I have been asking from them. I have also been sending dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and requesting the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-05
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. (AR)

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Consumer complaint received 2022-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I have been in contact with AES several times over the years. No one will explain to me how I have paid back XXXX XXXX for a mere XXXX loan they keep saying I took my loans out for XXXX I have given proof over and over again I feel as if my loan payment has been deceptive I've taken out loans I've already paid {$82000.00} back and they say that I have 12 Years yet to pay see attached
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Between XXXX and XXXX on Monday, XX/XX/2022 I got push notifications that my Capital One Cash Rewards Card was being used at a local XXXX. I had been at work since XXXX with my other coworkers. I called Capital Ones fraud department as soon as the notifications started rolling in to prevent any more charges from going through. While I was on the phone, I reached into my bag to discover that the card was in my possession. Yet, the credit card company claimed that my card was being physically inserted via chip. I told them that is not possible because I was at work, working, not shopping. They locked the card and began the process to send me a new one. As soon as I hung up the phone with the fraud department, I got notifications that my other Capital One credit card was also being physically presented at XXXX and the charge was denied because my credit line wasnt high enough. I called fraud again, and had the same conversation with someone else except this card was locked away in a box in my home. It was still there when I got home to check. Now, since I was in possession of the first card at the time of the purchases, Capital One is claiming there is no evidence that I wasnt the one who made the purchases. They did not request any evidence from me, but I filed a police report, my coworkers were with me this entire time, and I clearly havent physically used the first card in at least a year!
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From TRANSUNION with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HILLTOP HOLDINGS, INC (VA)

In XX/XX/XXXX, I was directed to XXXX XXXX  XXXX XXXX, XXXX of Prime Lending as the sole source lender of XXXX XXXX XXXX XXXX I was told that Prime Lending was the only Lender I could use building with XXXX XXXX XXXX whom I contracted on XX/XX/XXXX to build my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I entered an FHA refinance loan on XX/XX/XXXX to build my house under the assertion that my interest rate was to be 2.99 %. On XX/XX/XXXX when asked " when does the rate lock '' XXXX XXXX said in an email " Rates are not moving much so we wont lock until about 60 days from when the house will be completed. To lock now you would need a long term lock which costs money. '' XXXX did not reach out to me again until XX/XX/XXXX at which time rates had already increased drastically. He then advised me that we needed to lock the loan asap. I was understandably dismayed and disappointed that he had directed me not to lock previously, and that he had waited for rates to increase so much before contacting me. I consulted XXXX XXXX representative XXXX XXXX who promised me the project would be done within 90 days. Based on XXXX 's statement XXXX locked the rate for 90 days. At this time, with a much higher interest rate the payment was getting to be unaffordable, so we changed to from FHA to conventional loan, with a plan to pay off outstanding vehicle loan to qualify. XXXX XXXX did not do any work for a month, which caused them to not complete the project as scheduled, and the lock expired. Nobody from Prime Lending ever contacted me to advise me that it had expired, or presented me with any options other than at closing time. I asked XXXX at this time what I could do to get the loan to be affordable, and he said nothing he could do at all. At this time, my property was being held hostage and with no choice, I had to sign the closing documents or risk losing my property all together. Now thanks to Prime Lending and XXXX XXXX, I have a loan that I can not afford and also had to drain my entire savings to pay the closing costs. I tried to explain this to XXXX XXXX and people from XXXX XXXX, and nobody has offered any assistance or resolution, they just want my money. XXXX blames the rising interest rates, but as a loan XXXX, he failed me as his customer, and put me in a bad situation. I would have never built a house or financed with Prime Lending had I known how it would turn out.
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.