davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my six 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, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance XXXX {$65.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XXXX Huntington National Bank charged my account with fees that were not pertinent to my account I signed up for. After reporting this to the bank, the bank acknowledged my account was intact switched but did not provide any additional information. After 4 days the bank reversed the fees but refused to provide information on this fraudulent act nor would they provide who switched my account. They acknowledged it was switched, they also acknowledged they could see that none of the forms pertaining to this switch were signed by me. This is criminal in every sense of the meaning and this bank needs to be heald accountable.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I opened a Synchrony Bank XXXX CareCredit credit card account on XX/XX/XXXX to pay for a {$1300.00} charge at my XXXX. I was under the impression that there would be a no interest promo for a set period, but when I set up my online account later I found that the transaction was only given a reduced 17.90 % APR plan. Then on XX/XX/XXXX a {$6.00} interest charge was added to my statement even though my FIRST payment is not due until XX/XX/XXXX.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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)

This is the several times I've complained about some erroneous items in my report. You must delete these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be deleted. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (NC)

XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXXAccount 's Date Opened : XXXX XXXX Account Current Balance : -- -- {$140.00} Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : {$350.00} {$350.00} $ XXXXAccount 's Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX-Account Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXXXXXX XXXX XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Consumer complaint received 2023-10-13
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. (SC)

This is my 4th 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

In XXXX of 2023, I received a letter from Roundpoint Mortgage that I did not have homeowners insurance and would need to provide proof of coverage. I called the mortgage company and explained my premiums were to be paid out of escrow. They acknowledged receiving all payments and said there was a mistake and that I did in fact have insurance and all premiums had been paid. I called my insurance agent only to find out my insurance was cancelled from XX/XX/2023 for non payment. I called Roundpoint back and after several hours on tue phone they finally admitted they had sent the premium to the wrong insurer. I requested that Roundpoint pay the premium of {$1100.00} that was in escrow and continuing my current insurance only to find out that since my policy had lapsed, I could no longer get insurance for {$1100.00} per year and would be penalized for not having insurance and my new premium would be over {$3200.00} per year. And to top that off, Roundpoint is charging me almost {$1200.00} for insurance they said I owe them to cover my property. I have no idea where the escrow money is and no idea why I am being penalized for their mistake.
Consumer complaint received 2023-10-13
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. (SC)

This is my 16th 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, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I called Equifax to add my phone number to my personal credit file, faxed a request also and I was told it had been taken care of and as of today it is still not listed. I believe this is not a hard task
Consumer complaint received 2024-04-05
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. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
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. (NC)

XXXX XXXX XXXX XXXX  Account Current Balance XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -XXXX XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX Account Current Balance : XXXX XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Consumer complaint received 2023-10-13
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

My card had fraudulent charges for the following : XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX XX/XX/2022 - XXXX XXXX - XXXX I first contacted XXXX. They said they couldn't help me because these charges are not on my XXXX account. 
I have contacted Barclays ( credit card company ) 3 times regarding these fraudulent charges, requesting specific documentation they claim they received from the merchant to prove the charges were mine. I have also included entire details on my XXXX transactions to Barclays showing them that the charges are not mine and not on my XXXX account. The credit card in question has never been linked to my XXXX account. Barclays response every time is their same standard form letter stating that they received documentation from the merchant verifying the charges as mine. I've requested copies of the actual documentation and they refuse to provide it. These charges are not my charges. They are fraudulent charges.
Consumer complaint received 2023-10-13
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. (PA)

XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof 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 by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-10-13
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. (PA)

XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof 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 by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. (CA)

I initiated a wire transfer of funds from my Bank of the West/BMO account to my XXXX account 2+ weeks ago. After inquiring about the status oft the transfer yesterday ( XXXXXXXX  ) I was told that the transfer had not yet been made. So BMO is not fulfilling its obligation to make a simple wire transfer. This is unacceptable. Please help. 

Thank you.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX
Consumer complaint received 2023-10-13
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have a XXXX XXXX  Home Mortgage Loan ( Loan XXXX ) serviced by Fifth Third Bank ( XXXX ). I am current in all aspects through XX/XX/20. I called the Bank to take advantage of the XXXX XXXX forbearance program today as the Coronavirus has negatively impacted my business. Fifth Third said they are NOT offering the XXXX program but put me into their deferral program. This is an ENTIRELY different program than the program offered by the Federal Agencies who own my loan ( amongst others of course ). 

Please compel my servicer to comply with this Federal Program. 

XXXX XXXX XXXX