davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (FL)

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. 
XXXX A XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC (TX)

I filed a complaint with the CFPB complaint I.D . XXXX beginning of XX/XX/XXXX about Waypoint and RPM trying to collect without verifying debt. The CFPB reached to them and their response was the account was returned back to creditor. On XX/XX/XXXX I receive another letter from Waypoint still trying to collect after stating they closed the file. I received an email stating the complaint was closed.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-19
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 (NV)

My identity was stolen and used to purchase XXXX vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to Bank of America and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in 2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to Bank of America, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called B of A and XXXX XXXX credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my XXXX plus dispute claims police reports FTC reports.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TX)

I spoke with the supervisor named XXXX at Goldman Sachs Bank ( GS ). My XXXX statement balance was paid in full ( excluding interest free installment balances ). XXXX trans totaled {$5000.00} and install pmts were XXXX. That totals {$5100.00}. The statement balance was for XXXX. This is an extra {$270.00}. 

Prev Mo ball XXXX Payments total for period XXXX New Trans total XXXX Installment payments XXXX My calculate balance due from above XXXX Statement Balance XXXX Difference XXXX
Consumer complaint received 2023-07-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-18
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. (AZ)

XXXX XXXX XXXX. I as the consumer have attempted to contact this company multiple times to seek remedy & it is believed that this company is using the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Consumer complaint received 2023-08-11
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. (NY)

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  XXXX  AND XXXX, XXXX, EQUIFAX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX  CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  CARD AND XXXX, XXXX, EQUIFAX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO. (MD)

BBB On XX/XX/XXXX I spoke to XXXX XXXX with Chase Home Finance about refinancing my home loan with the purpose of removing another individual on my current loan. During our discussion XXXX XXXX stated that a deposit of {$500.00} would be necessary to cover refinance and appraisal costs. I agreed to the fee. After a week of working with several financial advisors and title broker, XXXX XXXX, I was told that I would not be able to refinance unless I located the individual on my loan. After numerous calls the XXXX XXXX, the XXXX XXXX, and myself could not reach the individual on my account/loan so I was not able to complete the refinance. On XX/XX/XXXX I emailed XXXX XXXX reference a refund of my {$500.00} because I was unable to complete the refinance. On XX/XX/XXXX I spoke to XXXX XXXX Sheets, Chase XXXX about a refund of my money. I was told that I would be notified on XX/XX/XXXX, XXXX and XXXX XXXX about the status of my deposit. I have not received a status on the refund of my deposit as of XX/XX/XXXX. Chase did not provide any services for me related to the refinance because the refinance process was not completed. I feel that I should be entitled to my deposit which was paid with the understanding that the money was to be used for closing and title issues for the refinance which did not occur. On XXXX XX/XX/XXXX I was told that my deposit would not be refunded.
Consumer complaint received 2023-07-19
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. (LA)

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Consumer complaint received 2023-08-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2023-08-03
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)

I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.
Consumer complaint received 2023-08-19
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : XXXX XXXX XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordancee with the written instructions of the consumer to whom it relates. 
I have not gave anyone written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
Consumer complaint received 2023-09-19
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. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$700.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2023-05-09
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. (WA)

I have reached out about this issue multiple times. They keep reporting old information that is more than ten years old to my credit report. XXXX XXXX XXXX was paid this new company added it to the report as open again I have not banked with XXXX XXXX XXXX since 2016. I also have seen many Many inquiries of which I havent personally done. My late grandmother had the same exact first and last name, I believe this is fraudulent. I dont have a vehicle or a home, Ive never had the credit to own a home, yet it shows inquired or having such. In the credit report, it says it is open, but it is not. The older reports I saved over many years, demonstrates that it was from 2016 and is over seven years ago. My credit score hasnt been near the XXXX or close to XXXX, its so frustrated since Ive started building credit Ive been denied housing, loans, cars, and much more because all three credit bureau cant handle reporting and following the law. XXXX, TransUnion, and XXXX havent been reporting or updating their data and my file for many years and its demonstrating how incredibly negligent they have been with my information. I was also part of a data breach from XXXX and XXXX and I was supposed to be give 2-3 years of free credit monitoring and assistance with fraud and I never received ANY response or free monitoring ; I have been paying for XXXX monitoring services. Im really disappointed, if they arent doing their jobs correctly what is the point of consumer credit? Just the basics is hard for all three bureaus.
Consumer complaint received 2023-08-19
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: WELLS FARGO & COMPANY (NC)

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit burea seeking maximum damages.
Consumer complaint received 2023-07-19
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: Bread Financial Holdings, Inc. (TN)

There has been XXXX credit cards opened in my name that was not me dating back from 2014. They are all listed as charged off. I've disputed these accounts with the credit card companies, filled out affidavits for multiple companies. Ive also disputed these accounts with XXXX XXXX, XXXX, XXXX, and XXXX and need these to be removed from my credit report. There are credit cards opened for XXXX, Target who refused to acknowledge my dispute, XXXX, multiple from XXXX XXXX, XXXXXXXX XXXX Comenity BankXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and multiple from XXXX XXXX. Dating ranges from XXXX. All opened under my name, assuming by my ex wife without my permission or knowledge.
Consumer complaint received 2023-07-19
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX  is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-19
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. (IN)

I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.
Consumer complaint received 2023-07-18
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. (PA)

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.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

I am writing in reference to : complaint # XXXX this complaint contains documents related to the case. 

The credit card company has contacted me by telephone and are investigating the dispute. Stating this can take 10-15 days. They also are only available to discuss the case M-F XXXX XXXX XXXX. They do not email any resolutions so most likely I will have to spend additional time on the phone with this company and take additional time away from work to address. I would like an expedited resolution to this since they have already violated the required time frame to address the dispute. This dispute is over 90 days old. They also have incorrect information on the back of their billing statement to address disputes and an online portal that doesn't respond to the " contact us '' button. There is no way to contact this company except through customer service where I have documented over 3.5 hours of hold and discussions that have yet to address or resolve my disputes. I would like to know what violations the bank has committed with this case from the incorrect address and failure to meet a reasonable timeline on disputes. 

I just received another statement with a full balance, late fees and interest charges