davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter last XXXX XXXX XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX Balance : {$480.00}, XXXXXXXX XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$13000.00}, XXXXXXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired onXXXX XXXX XXXX XXXXXXXX, XXXX Inquired on XX/XX/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 Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company (GA)

I have been trying to work with Guild mortgage to find out the true balance of my debt with them after becoming ill and falling behind on my payments I started reading and studying the laws. I had no idea when I signed my mortgage on XX/XX/XXXX that I was signing a blank endorsement or a power of attorney, making them my attorney in fact on my behalf, but after learning some of these laws, I felt very tricked and took advantage of. My understanding of an attorney in fact is that they are supposed to fiduciaries to me the principal. This company has failed to to be fiduciary or have my best interest and has used the power to continue to be misleading for benefit for themselves. Which fall under GA Code 53-7-54 Brech of fiduciary. On XX/XX/XXXX. XXXX, I sent the CFO and the trustee instructions with an endorsed instrument requesting that I rescind my rights in my securities. The CFO nor the Trustee never responded or even took the time to reach out, later in XXXX after I emailed the CFO someone else finally emailed me back and said my instrument which is the same Instrument they are using to collect my payments from is not a legal document and they refused to show me any ledgers or books on my account. I truly believe that this instrument has been satisfied and I no longer owed this debt. I am also supposed to be active with the MERS, which I am not. This company is still signing forms as my attorney in fact, even though I have sent them and their attorney notice that I no longer accept them to have the attorney in Fact and Revoke any attorney of attorney over me. Which violate O.C.G.A. 10-6B-1 through 10-6B-181 They also failed to send me information when I was able to take off my PMI insurance.
Consumer complaint received 2023-10-20
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. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

BRIDGE CREST is not under any LAW required to report any of my private consumer transactional information. BRIDGE CREST HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed BRIDGE CREST on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that BRIDGE CREST CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given XXXX days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 BRIDGE CREST has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. BRIDGE CREST appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. BRIDGE CREST is in willful noncompliance!
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX XXXX XXXX  {$260.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$2600.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-09
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had someone that took my card and made a bunch of unauthorized charges. I tried to deal with the company that did that first before I dealt with the bank. I called the bank. I did my claims they gave me a temporary credit for the claims and then close my account, the next day after temporary credit with fun in there has been over two weeks. They will not return my money because they said theres a claim open. I dont understand and they said it wasnt fraudulent that they told me they will not give me a reason they decided not to do business with me anymore.
Consumer complaint received 2024-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC (TX)

Originally applied for a HELOC XX/XX/scrub>XX/XX/2024 with a confirmation of closure within 3 weeks. 2 days prior to receiving a closing disclosure, I was told that I had been given incorrect loan data, a change in my rate and told they needed additional documentation after 2 weeks of silence. In addition, I reached out to my loan officer and manger multiple times and was given 2 different bits of information. I was told that I could close at home and a notary would come, only to find out that was incorrect and needed to close at a title office. Once it was all squared away, went to close on a Friday evening only to hear back on Monday evening that all the paperwork that I signed was incorrect and I needed to re-close. Therefore pushing my funding date back another 3 days. I was alerted at close of business so I was unable to try and make plans to close first thing the next morning. I had already scheduled payments with the funding I was supposed to receive Wednesday and called the lenders corporate office to get them to make this right, only to be left with an answering service. I left several messages and never received a call back. My account will now go negative to the sum of XXXX all due to the lending/title company error. Cross Country mortgage is refusing to make this right.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc. (ND)

I am about to sue DCI credit services in North Dakota because Ive been disputing a debt and told they didnt have to give me verification. Now I am receiving paperwork for the same debt with a revised amount but still No verification. Also it has been on my credit report since XX/XX/2023 but they are trying to change the amount now and already threatened to sue me about the past amount which is changed now so how is that legal? You put something that is false on my credit report to hinder me? Thats legal?? I dont think so. I will taking action and need my credit report cleared up from this nonsense. They are clearly breaking laws and that needs to be dealt with.
Consumer complaint received 2024-09-26
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. (FL)

Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the Equifax, XXXX and XXXX, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ac/t number ends in : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via XXXX w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX. XXXX XXXX XXXX  used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, whether maintained by XXXX, XXXX, Equifax, XXXX XXXX, Credit Karma XXXX XXXX other credit reporting agency ; Equifax Credit report XXXX XXXX XXXX XXXX XXXX ; XXXX. FLORIDA XXXX XXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon reviewing the XXXX or all CBA ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was a customer of former XXXX. I have a personal checking account with them. XXXX sold its US business to Citizens Bank. In XX/XX/XXXX my XXXX checking account became Citizens Bank checking. Since then Citizens Bank has charged various fees without the appropriate disclosure. In XXXX I have no monthly fee as long as I maintained a certain amount of balance. Citizens Bank 's opening email said nothing is changed, but charged me {$9.00} monthly fee and {$3.00} statement fee. This is predatory behavior that probably made an unfair profit for the bank. I called Citizens bank and told them I wanted to close my account due to excessive and predatory fees in XX/XX/XXXX, and they used various barriers to stop me from closing my account.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-30
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. (MS)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
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. (AL)

Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all three bureaus