davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My personal identity and personal information is under a suspicious authority in fraud and theft targeted at my personal BANK OF AMERICA BANK ACCOUNT, this suspicious authority maybe the IRS INTERNAL REVENUE SERVICE or SOCIAL SECURITY ADMINISTRATION or OUTSIDE ORGANIZATION in invading my privacy rights in tampering with my personal identity and personal information in my BANK OF AMERICA BANK ACCOUNT,,,,
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Fraudulent Inquires reporting on my 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
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I requested several times to get an estimate for escrow/title fees. I never received anything. Final documentation listed these under " Borrower did not Shop, '' which is not true. In the end I was under the gun and forced to go with lender 's preferred title company in order not to delay closing and risk losing the loan/rate altogether.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX  XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX  affiliates, and no one is telling the truth as to where this debt is. 

Im responding to XXXX  XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further. 


Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 


If you have any questions concerning this request, please contact me at the above address.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I submitted a fraud report with Experian for the accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Consumer complaint received 2023-05-06
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NJ)

According to ( FCRA ) ( 15 U.S.C. 1681 I have the right to dispute any inaccurate information found on my Credit report. SYNC/BELK is reporting inaccurate information, I have sent several disputes on the dates stated below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I received fraud on my Wells Fargo account over the course of two days totaling {$14000.00} ( XX/XX/XXXX for {$9800.00} and XX/XX/XXXX for {$4900.00} ). While awaiting the fraud department to work on the claim I filled out the account fraud affidavit and had to send it via XXXX because the " enclosed envelope '' was non-existent. I submitted the documentation the day after I got it on XX/XX/XXXX and received a letter today ( XX/XX/XXXX ) that my fraud was declined and that " I sent the money to myself ''. They made this leap because I opened an XXXX XXXX Credit Card back in XX/XX/XXXX and used it exactly 1 time ( there is no history on the account except for that one time {$67.00} payment on my account ). This shows up as a Credit Card ePayment on the account, but the fraud was for XXXX on-Line Bill Pay with an actual account number ( I only have a credit card, no account number with XXXX  ) 8 months later. They claimed that I used the account prior and basically said that the fraud account that I lost my money to must have been the XXXX XXXX Credit Card account ( which has a limit of {$5000.00}, so I couldn't have sent more than that amount even if it was maxed out ), so it was two separate accounts that they deemed matched for whatever reason and didn't even give time for my affidavit to arrive before deeming my life savings as not their problem. I literally proved that the accounts were not the same myself in about 5 minutes and this is all my savings, yet Wells Fargo is doing nothing ( they could have called XXXX and proved this, which they obviously never did either ). Furthermore, Wells Fargo did not ask me to call and have a police report created for the fraud, so I just got one done on my own. Also, the affidavit information has no tracking and they won't provide me with another copy so that I can ensure that they get the information. I have bills due in less than XXXX weeks, and this is the week of XXXX, so I can't buy anything for my family on XXXX XXXX  or XXXX XXXX  now ( I can barely afford my rent now that the account was drained ).
Consumer complaint received 2024-09-25
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. (NY)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Closed : XXXX XXXX **** Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Chargeoff : XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2023-05-06
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. (MI)

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 XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

Ally Financial has misrepresented me on a loan for a vehicle that was never purchased because of demands made to falsify vehicle residency on the title. Ally has inquired into my credit several times. Increasing the number of hard inquiries and decreasing my score.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

There was a charge to my checking account at Union Bank but I do not recognize the name nor the amount. It appears to be from a company in XXXX and looks like an annual fee of {$99.00} dlls. Ive done a XXXX search for it but came back empty, no information was found. XXXX XXXX
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX ( XXXX Creditor XXXX XXXX AAA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE BANK USA is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CAPITAL ONE/XXXX company is currently showing 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 Experian was XX/XX/XXXX, 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 inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX 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 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - BALANCE {$19000.00}
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I, XXXX XXXX, am submitting this complaint for myself for there is not any third party involved. I have sent Equifax an identity theft report and an affidavit, stating that information on my consumer report was unauthorized, unverifiable, and inaccurate. I have requested for them to block and remove the information. They have received this documentation 5 business days ago. I have gave neither Equifax or any of these creditors permission to report on my behalf. Equifax has stated that they will undergo an investigation, yet they are still reporting adverse information on my consumer report. I would like the details of how they will undergo an investigation, along with the name, phone number, and address of the person they are interviewing so that I may follow up.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting misleading information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % true or the information must be deleted. XXXX  this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX, Experian have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.