davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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. (IL)

Ive recently checked my credit report and saw accounts reporting that I have not authorized or given these companies permission to publish on my credit report Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
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)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
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)

Equifax blindly trusts XXXX 's data, even though XXXX has assisted in ID theft against me more than once, even though I have a credit freeze, and even though I have a fraud alert on top of that! XXXX is trying to force me to use my own funds to prove this account was not mine, even though anyone with the slightest common sense can see it was not me. XXXX will not even give me an invoice for this supposed debt, yet Equifax blindly trusts them and Equifax even changed my address to where the crime occurred!
Consumer complaint received 2023-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I bought a new construction home in XXXX XXXX XXXX  XX/XX/XXXX. When the XXXX, property tax for the home was applied, I was in arrears of {$2600.00}. I understand that I owe Lakeview Loan Servicing , LLC that money as they paid the tax. However, my dispute is the cushion they applied to my balance. They applied {$2700.00} which brought up my balance to {$5300.00}. Marked you, my escrow also went up from {$310.00} to {$610.00}. So now the total increase in my mortgage payment is from {$1300.00} to {$1800.00} because I took the XXXX payment plan to pay off the {$5300.00}. 
I have an issue with the cushion, I understand that Federal Law states there needs to be a cushion but from my reading, it states XXXX escrow. {$2700.00} is much more than 2 months ' escrow and even worse when I spoke to a representative yesterday, XX/XX/XXXX, she told me that the Federal Law states that the cushion is {$2300.00}. XXXX I get some help in this matter, please? I am having a hard time making this monthly payment. Thank you
Consumer complaint received 2024-04-12
Product: Credit reporting 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. (OR)

XXXX told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to express my deep frustration and dissatisfaction concerning the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite multiple attempts to address the issue. This letter constitutes a formal complaint regarding the many unsuccessful attempt to remove these unauthorized entries. 

The persistent presence of fraudulent activity has caused me significant stress and inconvenience. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and promptly addressing any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (NV)

On XXXX at 1731 hours, my wife and I deposited 6 {$50.00} bills in the ATM at US BANK in XXXX, Nevada at XXXX XXXX XXXX . The ATM took our money and did not deposit into our account with XXXX XXXX XXXX  who is a sister bank that uses US Bank. when we made the deposit, we received a receipt that stated, " A MACHINE ERROR HAS OCCURRED WE ARE UNABLE TO CREDIT YOU ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. '' For the record it took all the money we attempted to deposit and after many emails and multiple dispute submissions US BANK has still not resolved the issue. The Bank Branch manager stated, after I showed her, the receipt verifying that their ATM stole our money she stated at the bank, and I quote " We don't have {$300.00} dollars to give you. '' This is theft, I filed a police report and the police will not investigate. US BANK has not returned our money. I want my money or the next stop is with an attorney.
Consumer complaint received 2023-05-15
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. (CA)

I initially filed this dispute with Experian on XX/XX/XXXX. The complaint id is XXXX. By law and the Fair Credit Reporting Act, Experian took longer than 30 days to respond and is required to remove these fraudulent items from my credit report. I filed another dispute noting this that they closed as " duplicate ''. IT IS NOT A DUPLICATE. 

BELOW IS A LIST OF THE FRAUDULENT ITEMS ON MY CREDIT REPORT THAT YOU ARE OBLIGATED TO REMOVE. 





Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX  INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX,
Consumer complaint received 2024-01-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: Self Financial Inc. (SC)

I made a account at self.com and all it was was I was supposed to add money to an account every month and it would make my credit score better. I did that for about three months and then decided to stop adding money and now its on my credit report that it was a loan or something, and they never gave me any money.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This company continues to send notices of debt when I have disputed the validitity of the debt via the validation of debt letter upon first notice. The company has previously stated they will no longer contact me but they sent two dunning notices to my mailing address dated XX/XX/2023 after they had a cease and desist letter on file they posted in a response to you prior. ( See attached letters ) This company also put a collection account on my personal credit history after in fact they knew it was in dispute and they collection account does not state DISPUTE- which is a violation of the FDCPA. 

I called their office XXXX  XX/XX/XXXX and spoke to a rep who said she was in management and she tried to tell me to pay for the debt after repeatedely telling her I want to speak to someone who can stop the billing notices after all this was in a cease and desist mode. 

They are clearly violating the law and I intend on filing harassment and illegal collection tactics against them.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

I am writing this request to SBNASELFLNDR that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-01-09
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: ALLY FINANCIAL INC. (AL)

On XX/XX/XXXX, Ally Financial responded to my complaint on the numerous inquiries I have on my credit report, owning up to one which wasXX/XX/2022but did not explain why my credit report was ran the other 2 times by them on XX/XX/XXXX and XX/XX/XXXX of 2022. Ive contacted XXXX, and was told to reach out to ALLY asking for removal of unauthorized inquiries.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC. (AZ)

This is an additional notice in reference to Complaint # XXXX, written XX/XX/2023. Ally notified CFPB that they were in the midst of responding XX/XX/2023. To date, there has been no response by Ally. Reference XXXX of XXXX XXXX XXXX XXXX XXXX EXT XXXX. Since their act of repossession of said vehicle, I have made numerous attempts via voicemail, email, and mail, to explain their violations of holding the vehicle in spite of my objections and defenses. I've explained to XXXX numerous times that, PER THEIR OWN COMPANY POLICY, they CAN NOT repossess a vehicle if a " debtor '' raises an objection to the repossession. ( See attachments XXXX and AllyXXXX ) Even after explaining to XXXX that the vehicle must be returned and can only now be taken back through court order, her response is that this matter is still under review. There is nothing to review : as long as the " debtor '' has a claim and defense, Ally is SUBJECT TO THOSE CLAIMS AND DEFENSES, and therefore CAN NOT REPOSSESS UNTIL AND UNLESS THEY HAVE A COURT ORDER. I have had to file the vehicle as stolen with the Arizona DOT and with law enforcement, since there is no other way to enforce Ally 's compliance ( See attachment XXXX ). These attachments have all been sent to XXXX since the last complaint was filed, so she is well aware of these issues. Because of Ally 's continued non-response to this pressing issue- I can not work, I can not get my children to school, I can not drive to get groceries, I can not do anything substantially dependent on my means of transportation - and because Ally has known about this issue for a month, and yet refuse to cooperate in any form or fashion, I am hereby damaged and aggrieved. Additionally, it MUST be repeated : the reason they repossessed the vehicle was due to " default '' of the payments, and this is because of THEIR OWN DOING. By restricting my method of payments to be done through money order or certified funds, and denying my ability to pay under the original method of paying online ; in spite of my requests for them to justify where in the contract or law this was allowed for ; and in spite their unjustified attempt at adding addendum onto the contract I'VE NEVER AGREED TO, in which THEY ENFORCED A POLICY WHICH WAS NEVER AGREED TO IN THE ORIGINAL CONTRACT ( see attachment XXXX  ), they have therefore BREACHED THE CONTRACT. THIS MAKES THE CONTRACT VOIDABLE.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (IL)

You are in Direct Violation of The Fair Credit Reporting Act ( Acount Name & Numbe ), has violated several el my rights. 
15 U.S.C 1681 section 602 A. Clearty states that 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 an acsount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an apen-end consumer eredit plan as late for any purpose.

Remove these late payment
Consumer complaint received 2021-01-04
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. (NY)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/2024, I called the Citi Custom Card Customer Service, toll free at XXXX with my identifying data, phone numbers, credit card number, and name as it appears on my card. They said that they would text me a PIN code but I never received it. They said that they would call me back on the number I was calling from, but never called back. I am unable to update contact information or report the card as lost or stolen. They report that I need a reference number emailed or postal mailed to me to verify my identity and un-restrict the credit card. They claim that this is about fraud abuse. I have never received notification mail to this effect.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " XXXX '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-25
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: SANTANDER HOLDINGS USA, INC. (GA)

It has come to my attention that you are reporting transactions on the account XXXX between the consumer ( XXXX XXXX ) and XXXX Santander Consumer USA Holdings with your company to the consumer report. This is ILLEGAL and accordinging to the FCRA ( Fair Credit Reporting Agency ) Code 15USC 1681 ( a ) -2a1 except provided in paragraph ( 3 ) the term consumer report does not include reports containing information solely as to TRANSACTIONS. My TRANSACTIONS history between consumer ( XXXX XXXX XXXX & XXXX Santander Consumer USA Holdings is EXCLUDED from the consumer report. DELETE this item marked as late from my consumer report. You are breaking the law. This has affected me tremendously and is harassment. On XXXX I sent a Cease and Desist that clearly states my rights have been violated.
Consumer complaint received 2023-04-25
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. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA (MA)

I paid off a personal loan with Marcus Goldman Sachs on XX/XX/2023. My balance is now XXXX. I went on line and found out that Goldman Sachs had sold my paid personal loan to XXXX XXXX XXXX ( SST ) XXXX. I called XXXX and a representative of the company XXXX XXXX told me that the reason this paid loan was not reported to the CREDIT BUREAU was because they do not have all the files from Marcus Goldman Sachs to file this and report it paid to the credit bureau. XXXX said it could be weeks/months or longer until they can report this loan paid. 
It is very unfair to a consumer who worked hard to pay off this loan and wants its reported to the credit bureaus so my credit score will reflect this payment. I took out this loan in good faith and lived up to my responsibility and now within a reasonable amount of time want this to be reported to the credit bureaus. 
I spoke with a a representative from the FEDERAL RESERVE CONSUMER HELP LINE and he told me to file a complaint with your agency. The representatives name was XXXX. 
XXXX I would appreciate assistance with getting my paid personal loan reported to the credit Bureaus Thank you for your consideration