davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FREEDOM FINANCIAL NETWORK (NJ)

There is an account ending in XXXX showing on my credit report as a charge off/sold meaning this debt has been written off, unfortunately you have not provided a 1009-c form. As per IRS you are in violation of federal law and this will be reported following with legal action if not removed from all 3 credit reporting agencies for inaccurate reporting
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check from XXXX XXXX XXXX from the State of California. Chase bank has put the funds on hold. I am XXXX  and XXXX  XXXX as a result of a hate crime, a woman sprayed bug spray in my face, and another hit me over the head, I suffered a XXXX XXXX XXXX, and three weeks ago had XXXX XXXX  XXXX in my neck. I was awarded XXXX XXXX from the State of California, yet tonight I am hungry, without food, three weeks after XXXXXXXX XXXX XXXXXXXX. 

Chase gives me a hard time every time I make a large deposit, from a music grant I won from the XXXX XXXX  XXXX  and XXXX XXXX in San Francisco, for {$2000.00}, two deposits of {$680.00} from the City and County of XXXX XXXX, and now a {$910.00} check from the State of California. 

After several calls, each with a different excuse, in my last call a manager told me the check is verified, but the State of California hasn't sent the funds. An interesting commentary on our government, but paramount to our discussion, apparently Chase bank is concerned the State of California, the 5th largest economy in the world, won't come up with the money. Chase bank uses terms like " discretion '' as code, so they can make it easier for some, and harder for others. An industry with a history of redlining, and a year removed from the XXXX  XXXX XXXX scandal of purposely overcharging their customers, one of which was me by the way, has not earned trust. 

I am hungry because Chase bank is keeping me from my money in an obvious display of racism. And I protest in the strongest terms.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit file.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX/COMENITY/ULTA with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXXXXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The Account number is XXXX with a balance of {$81.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Consumer complaint received 2023-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (IL)

I have been dealing with Freedom Mortgage since XXXX of XXXX with a lost mitigation process. They've caused more problems than solutions. XXXX  XX/XX/XXXX a foreclosure was set to take place so XXXX XX/XX/XXXX i called to beg and plead to request more time for document and application reviews and processes to resolve this issue and update the balance all i got from them was the run around with repeatedly saying there is nothing they can do to help its to late. I called the attorney involved several times and got no answer or call backs. So i got an agent from XXXX XXXXXXXX XXXX  to assist me with the matter on XXXX  XX/XX/XXXX we made a 3way call to XXXX  to request for more time to allow an Illinois housing assistance application to be reviewed and processed before the foreclosure takes place. XXXX XXXX is my witness, my XXXX agent witnessed the misconduct they performed to offer any kind of help. XXXX said they would send the request in and that they would reach out to me within 24-48 hours before the foreclosure with an answer which i NEVER received causing the foreclosure to proceed. XXXX  XX/XX/XXXX we made another 3way call to XXXX to ask what happened with the request along with rudeness and back talking we found that the request was never submitted to the attorney involved. i am submitting this complaint because XXXX XXXX has caused my family and I so much pain and stress this last year when all i have done is comply and cooperate with everything and everyone involved with 0 compassion in return. I have many efforts to make things right, to resolve this issue, to restore my mortgage balanceXXXX XXXX XXXX has not helped or assisted me in finding any solutions every step forward i take they push me back 2 more that is why i am here telling you about it. I need your help to get this resolved correctly and professionally. also, i have submitted a complaint to the Illinois Attorney General to help with this matter, after this is over I will be submitting a lawsuit against them for all the unnecessary damage they've caused my well being. there is more to this situation that I would be more than happy to discuss with you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DHI Mortgage Company (KY)

I am very disappointed with DHI for selling my loan to XXXX XXXX XXXX. They offered me a low interest rate and then sold my loan to XXXX XXXX XXXX that has a bad reputation. Since XXXX transferred my loan, XXXX has only processed one of my payments. I have three payments that XXXX has not processed. I called to inform DHI on today, XX/XX/XXXX about my disappointment and asked if my loan could be transferred back to DHI but the rep I spoke with was very unprofessional and rude. I did not catch his name, but I made the phone call on XX/XX/XXXX, around XXXX.
Consumer complaint received 2023-10-04
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. (AL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2015-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Consumer complaint received 2023-10-04
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights to privacy.

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 They have harassed me via phone, even after changing my phone number. I am demanding the original application for this debt be furnished, along with proof of my written signatures or this needs to be remove immediately.
Consumer complaint received 2023-07-02
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. (PA)

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX 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 2023-10-04
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. (GA)

I am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia XXXX, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (CA)

The company that provided service did not finish and what they did was not followed according to trademark product to make it a solar product. I dont know if they even used it to be honest, so created a bigger expense for me-so lt failed! I also did not know that there would be a lien on my house. I tried and tried to resolve with company that did job, but they kept giving me the run around. I called ygrene to let them know situation and they said they cant help me.
Consumer complaint received 2023-07-02
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. (TX)

this account XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of XXXX XXXX. This Account is is Inaccurate And Has To Be Removed
Consumer complaint received 2023-10-03
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. (CA)

The issue is that I have contacted every credit bureau and Informed them that several fraudulent accounts were opened under my personal information. I informed them that I'd been an identity theft victim. I have contacted all the creditors and told them that I'm an identity theft victim, and they must remove the fraudulent account from my credit report. They must remove the fraudulent account and any information about me from their database because I never conducted business with them. However, they have not done anything. I have sent them all the necessary documents, such as the FTC documents they requested for a fraudulent account, XXXX XXXX, and countless other fraudulent charges from my credit report. However, they have left the fraudulent XXXX XXXX and XXXX XXXX XXXX accounts still reporting on my credit report. I have a police report that I went there and spoke with the detective. She's currently handling my case because identity thieves used my personal information, and these fraudulent accounts must be removed from my credit report.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (OH)

I'm a victim of fraud/identity theft. These Inquiries are not mine nor did I authorize them. XXXX XXXX XXXX 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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

RE : Inaccurate Account ( XXXX XXXX XXXX XXXX XXXX  ) To Whom it May Concern, I reached out to Equifax on XX/XX/2023, for the second time to dispute the inaccurate account showing up on my public records. However, they have not responded back or labeled my dispute in dispute status on my consumer report. They receive my dispute on XX/XX/2023, and how I know is because I sent the letter certified. 

This account is inaccurate and does not belong to me. According to the FCRA if you Do Not respond within 30days the account has to be removed. 

Equifax needs to remove XXXX XXXX XXXX XXXX XXXX  off my credit report its reporting inaccurate information that does not belong to me. Its not mine.