davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX : {$24000.00} ; ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} ; XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-25
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. (FL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CO)

I fell behind on payments by about XXXX months. The company had me on a payment plan to help but the payments were still too much. I was given an offer of XXXX XXXX interest and the they close the account or make a one time payment to keep the card. So I made a one time payment of {$1100.00} on XX/XX/2022 to keep the card open. To my surprise credit karma alerted me that my card was closed as of XX/XX/2022. I contacted discover about a week ago to complaint about this and have my card opened or the interest brought down to XXXX % since they closed my card. I received no resolution even though I threaten to report this udap violation. To this day Im still stuck at a higher interest rate with a closed card Im forced to make payments on even though I am still recovering from my financial hardship.
Consumer complaint received 2023-06-06
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. (AZ)

15 U.S. Code $ 1681c-2 a 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 than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX XXXX FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 6 ) I was notified in writing within 5 business days. This account is in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting. There is no way you validated this account with inaccuracies still being reported XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX- Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 
XXXX XXXX
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.
Consumer complaint received 2023-06-06
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

under ID # XXXX filed XX/XX/XXXX with the CFPB I had complained about difficulties in Communcation with Wells Fargo.I was not requesting forebearance and made a full payment ( P & .I. and escrow ) for XX/XX/XXXX .After discussions with XXXX XXXX of the excutive office of Wells Fargo , I made a payment of Interest only plus Escrow ( {$1600.00} ) by EFT on XXXX XXXX towards the XX/XX/XXXX payment.This payment was made pursuant to a telephonic communication with A Wells Fargo Executive Resolution Specialist with the Consumer Care and Recovery Group.Also with the " Executive '' office.I received a confirmation # for such payment ( XXXX ) .My conversation was recorded by Ms XXXX XXXX , the agent with whom I spoke.At that time I asked to speak with Ms XXXX ( since I dialed her extension,XXXX, but ahwe wqas otherwise occupied. i specifically stated that the payment dhould be applied to Int. & Esc,. and asked if i Should separate the payments >I was assured that one payment would be adequate.Today, Orally I was advised that the payment was not applied but would remain in ESCROW until I started making full payments and that " Everything would be put on the back end of the loan ( The entire payment of {$2100.00} ) I have just " Read '' that my time is running out. so I will continue my narrative in the next section ( Fair Resolution ) There is more to this complaint since this bank is dealing in a deceptive offering at resolution!
Consumer complaint received 2022-12-29
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. (PA)

I submitted a dispute XXXX XXXX regarding late payments from XXXX  XXXX during covid, I asked for an investigation and only received a notice just saying it was verified. I also uploaded additional information regarding the dispute and sent other letters over 30 days ago and still no response.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS INFORMATION REMOVED IM TRYING TO BUY A HOME SOON AND THIS DOESN'T LOOK RIGHT BEEN TRYING TO KEEP REMOVING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Hi I am XXXX XXXX, Im making this complaint against MIDLAND CREDIT MANAGEMENT for identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (SC)

The Bureaus is reporting to all XXXX credit bureaus. I have asked for validation numerous times from this company. They have failed to comply with e 30 day turnaround also failed to comply with furnishing information that they are licensed and bonded to collect a debt in my state of South Carolina. The have violated my rights by fraudulently accessing my consumer file and invading my privacy. I have never signed a contract with this company. I have not only asked for a signed contract and original signature from said company or whoever the claim to be collecting on the behalf of. ANd nothing, no avail, no response, no resolution.
Consumer complaint received 2023-06-06
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 6th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-04
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: EQUIFAX, INC. (MD)

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report but XXXX and Equifax has not.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  IS CONTINUOUSLY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE BEEN IN CONSISTENT COMMUNICATION WITH XXXX XXXX. 
XXXX XXXX  ONCE AGREED TO REMOVE THE LISTING FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITY. AFTER SUBMITTING MY DISPUTE, ATTACHED WITH A LETTER FROM XXXX STATING SUCH, XXXX XXXX  HAS YET TO REMOVE THIS ACCOUNT OR FORWARD ANY OF THE INFORMATION ALLEGEDLY OBTAINED XXXX ITS INVESTIGATION. THIS IS NOT MY ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. 
I SUBMITTED A DISPUTE AND REQUEST FOR INFORMATION FROM XXXX XXXX AND ITS BEEN OVER 30 DAYS. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EOS Holdings, Inc. (CO)

I have requested on numerous occasions verification of this debt. I havent had a XXXX  account in XX/XX/2019 or the internet, so this is invalid. They are still not removing this debt. I believe I already paid a lawyer to relive this due to being invalid but not for sure. They are not removing or validating the debt and it is violation. FCRA laws and damaging my credit score.
Consumer complaint received 2023-06-06
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. (TX)

On XX/XX/2023, it has come to my attention that XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX  XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX  has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Consumer complaint received 2024-03-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (TX)

I requested a loan assumption on XX/XX/2022 and submitted documents to CMG Financial on XX/XX/2022. To date CMG has failed to respond. I have online chatted, emailed, online messaged, and called numerous times ( weekly ). CMG has failed to contact me with a status of my loan assumption. It appears they are not acting on my request. I can talk to customer service, and an escalation team member, but they can not tell me anything. Seems no one can tell me the status of my request. They did confirm the request was received. I do not know if they have even started working on it. I sold my house based on assuming my loan ( which is clearly an assumable loan ). I am in jeopardy of defaulting on my sale contract.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. Bank of America ( BoA ) was not able to protect the confidential information of my XXXX XXXX XXXX and XXXX Account in BoA. A hacker was able to obtain this information known only to BoA and myself to know when my XXXX deposits were made and set up transfers from my XXXX Debit Card account to a checking or saving account named State of CA XXXX Unemployment. A summary of all the transactions is attached. A total of {$7400.00} out of {$11000.00} were taken by the hacker. I do not have a checking or saving account at BoA. 
2. Bank of America has enough knowledge to recognize the initial few unauthorized transfers of money to be illegitimate and canceled my first EED Debit card account around XX/XX/2022. When I inquired, they issued me a second card in XXXX or XXXX. However, the hacker was able to immediately obtain the information on this new card and continue to withdraw money from my XXXX XXXX XXXX account. 
3. I notified BoAs XXXX XXXX XXXX Customer Service about these unauthorized withdraws in XX/XX/2022. After BoAs investigation, they sent me a letter saying the withdraws were not errors, even though hundreds of thousands of other XXXX accounts had complained about this problem. I requested information they used to arrive at their decision, but no information was ever provided to me. ( Letter attached ) 4. I made a second requestion to BoA to reconsider their conclusion in XX/XX/2022. Again, they came to the same conclusion and provide no information they used to arrive at their conclusion. ( Second letter also attached )
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

To Whom It May Concern, I am a long time Union Bank customer for my personal banking and home mortgage. Responding to a promotion for a Union Bank credit card I applied and was given a card in XXXX that I used for 3 years. I paid that card off on XX/XX/XXXX but ended up with a XXXX XXXX of {$4200.00} because of a cancelled vacation. I requested the balance be deposited into my bank account on XX/XX/XXXX. I was told they only issues checks for over payments unlike every other credit card company I have ever used ( XXXX XXXX, XXXX, XXXX, XXXX ). A check was apparently sent on XX/XX/XXXX. I called on XX/XX/XXXX because I had not received the check after the allocated XXXX business days. I was told to wait. I called again on XX/XX/XXXX and was told they would send a " ticket '' to have an expedited check rushed and it would arrive in XXXX business days. I called on XX/XX/XXXX because I still had not received a check and spoke to a supervisor who said he couldn't do anything more than what the prior rep had done and send a ticket requesting a new check. He said they don't send anything rush. I still have not received a check. I called today and the rep said a check was sent on XX/XX/XXXX and should arrive in XXXX business days. That would be over a week from my talking with the supervisor and two weeks after I spoke to the rep who said they would rush a new check to me. Not to mention 7 weeks since I first requested the check. 
It is fraudulent for a bank to not return money due to me. There is no tracking, no direct deposit and no service to rush the payment. My impression is that Union Bank is holding on to my money for their own profit and disregarding my request to return it. This is theft. 
Thank you.