davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (NJ)

Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.
Consumer complaint received 2023-01-20
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. (CT)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX CT XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; CAPITAL XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXnquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-09-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, XXXX XXXX XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (HI)

on or about XXXX XXXX 2015 my husband and I apply for a business commercial for the company in the name XXXX and this bank know that my husband already have an account with the bank. and that we have good credit on all of our account. .. the branch manage of the bank said went you and your husband apply for the commercial account. please contact bank and explain to card service about the inquiries that being use for personal and business account and in your house hold. that why we have so many inquires. I do not belief that some one who is already a good and loyally customer at the bank would be get denial just because of a score and a number and not look at the fact these is our loyally customer. is it because of our age. it can not be because our good credit. because you will not can not find any information to warrant a denial in my credit file. my fico is a XXXX, we want to stop use my credit for business. and build the business credit line. I think its unfair to being denial base on a score with out look at my husband account that already with this bank. if we are not approve. we can not get the tax credit at the end of the year. that why we apply for a business commercial account. so we could get the tax credit to writer off company expense and stop use personal credit for the business..
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

I received an American Express e-gift card for {$1000.00}. I have tried endlessly to use it. I tried to rent a XXXX  with it, XXXX XXXX, put it in my XXXX account and purchase goods from many retailers online. After the initial decline, I called .American Express and was told, yes, it was declined, but the card was good. So tried several more times to use it with it always being declined. I called again and was offered no help. I asked for a physical card to be sent and was denied. I asked to speak to a supervisor and was put on hold for almost an hour with no one ever answering. On XXXX XXXX I did make one purchase with XXXX for {$160.00}. That is the only time it went through and I am not sure it did go through. 

I am at my wits end about what to do. I have had this card for 8-9 months and still can not use it. Please help.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Equifax has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (GA)

I wrote to Experian, XXXX, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any ab949dv item of information other than records of convictions of crimes which antedates the b.
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Idaho Housing And Finance Association (ID)

Closed on this loan XX/XX/2023. {$6000.00} escrow hold back from cash out proceeds to be used for replacing flooring { LVP and new carpet } to be finished within 90 days of closing. {$1900.00} paid to flooring company, from hold back funds for materials, balance to be paid upon completion of work. Work completed XX/XX/2023. IHFA refused to pay balance to flooring company on XX/XX/XXXX. Any funds remaining were to be released to me by check. I contacted IHFA and was told I needed to pay {$150.00} out of hold back to them for appraiser to verify work is complete. I asked them to show me documentation from closing regarding this since I was unable to find it in my copies of the closing. They were unable to provide that and instead sent me a copy of an in house order for an inspection. 
Since XXXX they have sold my mortgage to XXXX XXXX. They gave me a refinance based on the appraisal that was done in XX/XX/2023. The only stipulation I was given was that the flooring job had to be completed within 90 days of closing, which it was.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have been trying to work with SPS for over a year in trying to save my home from Foreclose. I continue to do everything that they ask of me, yet I am still getting the run-a-round. It took me from XX/XX/XXXX - XX/XX/XXXX, after sending the same documents over-and-over again, to finally get SPS to confirm they have a complete application and that they would need 30 days to review, that was back in XX/XX/XXXX! But now, SPS is claiming that they need more information, they claim that my son 's contributions have not been verified! How can this be? It 's been verified 2 prior times ... why does it need to be verified again. Also, my relationship manager, XXXX XXXX, who is suppose to be my single point of contact is NEVER available, and when I call I always get someone else! Today we spoke with XXXX XXXX at ext XXXX who was rude, unhelpful, condescending and combative. We asked that we speak with a manager or supervisor and she refused only to give us a separate number to call.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : Hi, I am recent victim of identity theft. This item has already been removed before, according to the fcra, you are breaking the law by keep allow this account to report!. Please remove this fraudulent item for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included XXXX XXXX alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXXXXXX XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETE IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OR)

I attempted to transfer significant money from Chase bank to one of my other bank accounts. They did not recognize the account and said that they needed to " verify '' the account by depositing some minor amounts into my account, which they did. They said the process would take 2-3 business days. It took 5 days before they asked me to identify the quantities. I did and they verified the account. I then directed the transfer on the XXXX and they were to make the transfer on the XXXX. On the XXXX they blocked my account due to suspected fraud. I had to call their fraud reps who hung up on me multiple times. I finished their verification twice and finally got one of them to unlock my account. He told me I would be able to redo the transfer after 30 minutes. It has now been hours. now. The reason they gave for blocking my account was that they could not verify that I was the owner. What was the transfer test for if not to verify the account? They are holding my money hostage by unilateral decision. I rechecked with the receiving institution, and they verified that I had the right transfer address. I am planning a major expenditure and need this money soon. What good does it do to have money in the bank if they won't give it to you?
Consumer complaint received 2023-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX   I had several insurances that were due, I informed my insurance company I could pay one now and the other on payday. They told me that would be okay. I paid the homeowners insurance as stated on payday. Weeks later I received a letter from my mortgage company telling me my insurance lapsed ( one week ) and they needed proof from my insurance company or they would provide home insurance. I responded to the letter by contacting the mortgage company informing them I had already paid my insurance. Also my insurance company sent them the information as requested. A month later I receive a letter again, I contacted the mortgage company and was told to ignore the letter because everything was okay. Three months later ( XX/XX/XXXX  ) I receive two letters that seem very threatening, telling me I owe them {$100.00} and if I don't paid they are going to add this to my mortgage. In my XXXX  years I have never heard of anything so ridiculous as this.
Consumer complaint received 2023-01-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$380.00}
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (GA)

Allied interstate llc contacted me by mail trying to collect a debt that was already paid. The credit card company in question went bankrupt and was sued for bad business practices. The card was a secured card. When the account was closed the security deposit was used to pay the debt but they would hold closing the account for 2 months and let it incur fees then close the account later. XXXX was put out of business for those practices.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. 
Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (CO)

AGAIN : false comments made - 1 ) too few accounts currently paid as agreed- reports show counter ( truth ) " never late, pays as agreed '' ; credit score first time report XXXX, XXXX show XXXX ; 2 ) insufficient number of satisfactory accounts- have satisfactory accounts- more than enough. These falsities have not been corrected NEW : Unable to dispute collections item ( did so with XXXX who removed it ) can't accessTransunion dispute option. ; Unable to add paid off credits with XXXX and XXXX for same reason Have tried several channels given to contact TransUnion none of which are accessible due to having to purchase credit score of monitoring service. 

I hold TransUnion as number XXXX culprit in denial of auto loan, as XXXX was confused by their reports. Have been told by dealership XXXX would have approved me but needed couple of answers but I was denied that information and any contact with XXXX. XXXX 's " secrecy '' as unavailable to this customer has also been audacious. My good credit has been ruined as my credit score has plummeted.

Dealership itself trying to defend itself that it's my not big income, but willing to bamboozle me with a 72 month, {$400.00} payment with their creditor. 

I am convinced that TransUnion plays the part of cohort to deny a good risk person loans.