davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

My son, XXXX XXXX, added a joint Chase credit card to his XXXX account. I did not recognize the XXXX transactions and reported them as fraudulent to Chase. On XX/XX/XXXX, XXXX suspended my son 's account. That same day, we notified Chase and XXXX that the transactions were valid. On XX/XX/XXXX, Chase returned the funds to XXXX for XXXX transactions. Chase returned funds for XXXX additional transaction on XX/XX/XXXX, and the other XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter showing that they had completed their review of unauthorized transactions. 
XXXX has yet to return the funds to the original recipients. On XX/XX/XXXX, XXXX responded by email that they were waiting for a response from Chase and asked us to contact Chase directly regarding additional details and/or concerns. We have contacted both Chase and XXXX numerous times with no success.
Consumer complaint received 2024-04-15
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: Bread Financial Holdings, Inc. (KS)

I found XXXX inquiries on my credit report I do not know. I have not done business with either- XXXX XXXX or Comenity BankXXXX. I am cocnerned they have my personal information without my authorization and may use it.
Consumer complaint received 2021-06-19
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. (TX)

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, XXXX, and Transunion have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Asset Management, LLC (TX)

My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. Pinnacle ( after removing from credit reports ) sold the debt to XXXX and they are going to report it. When Pinnacle sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. XXXX told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to Pinnacle they used the social security number for my father. So he did n't steal my identity Pinnacle and XXXX just used my information.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

Ally XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I reviewed my consumer report and noticed fraudulent inquiries. I reached out and contacted them about these inquiries and neither one can show me any authorization document where i authorized for them to run my consumer report. I need this removed as it is inaccurate and misleading information that has been damaging me constantly.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TN)

I keep reporting to the credit bureau that TD auto finance is improperly reporting. XXXX XXXX XXXX XXXX XXXX XXXX. Has been taking {$400.00} payments from me as the vehicle is in collections not charge off and according to the law firm I owe XXXX not XXXX as TD Auto Finance is reporting. I have filed dispute after dispute and it is not being corrected.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2023-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Consumer complaint received 2023-03-01
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. (TX)

XXXX XXXX is disputing inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are different account numbers reporting, XXXX and XXXX. There also different last active and payment dates reporting for this account between each bureau as well as inconsistent late payments for this account. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments reporting for XXXX, XXXX and XX/XX/2021 be deleted from my reports now! 
XXXX XXXX
Consumer complaint received 2024-04-15
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. (FL)

The debts attached to my social security number were not made by me. I have never opened a credit card in my name and have never been able to because of these debts. The dates these were originally opened were before I was of the age of XXXX, and legally allowed to open a card in my name. I only found out about these a while ago and have been trying to dispute this clear identity theft. The only accounts I have opened were loan accounts for student loans and XXXX. I have begun to or paid off anything that is mine and made with my knowledge and always will. Anything else is not my responsibility and never has been! Many of the addresses on the accounts are incorrect. My Date of birth is also incorrect as I was born in XXXX and accounts state I was born XXXX which my Id and birth certificate can both prove I was not.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX  XXXX account that has me listed as a XXXX authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX  XXXX XXXX
Consumer complaint received 2018-03-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

My mortgage has essentially doubled since GreenTree/Ditech purchased it in Mid XX/XX/XXXX. From approx {$1100.00} to approx. {$2000.00}. 
Instead of conducting escrow analysis yearly they have done it XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Without time for my escrow to build, my mortgage payment continues to skyrocket. 
I had an escrow shortage notice of approx $ XXXX. In XX/XX/XXXX, I called to have account noted that I would pay off escrow by mid XX/XX/XXXX. 
I specifically mailed the 3 payments of $ XXXX to the escrow account payment address NOT the mortgage payment address. Why even have seperate addresses? 
However, todate only 1 payment was credited to escrow. 1 is held in unapplied funds. 1 is still unaccounted for. Each payment specified escrow shortage payment. 
After requesting they rerun my escrow on my primary home account so I know my new XX/XX/XXXX payment, it still shows {$2000.00} despite escrow shortage being satisfied. 
On my other mortgage, my request to discontinue escrow was denied based on having a negative escrow which had already been satisfied. 
I was told it was their error and to go online to resubmit. Ironically when I went online that functionally was no longer available. 
Their business practices are dubious and inconsistent.
Consumer complaint received 2023-06-07
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. (FL)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

In XXXX I paid my mortgage to Mr. Cooper ( mortgage company ) for XX/XX/XXXX. On the XXXX I was checking with them because I noticed it was still in my credit union and they said it had not yet received it on the telephone with this young lady I have made the transaction to give her the mortgage I noticed on my bank statement on XX/XX/XXXX my bank pay the mortgage from the check that I sent on the XXXX. So I called them back and I talked to the young lady she said that she would have my money refunded and she called my credit union and we were on three way with my credit union I gave her my routing number my bank number and everything like that she said I should receive it back at the bank within 24 to 48 hours never received it today I call I talked to a gentleman he keeps me on the phone for over an hour I'm holding and waiting all this time he's checking the information out that I'm giving him I even found out on the automated greeting when I first call that I was up to date because my XXXX mortgage was also paid so they had three mortgages and I don't have money I had to pay bank cards for checks that bounced and everything over {$100.00} I need my {$1000.00} back after all that time I stayed on the phone with that gentleman he comes back and tells me that they have the electronic transaction that I made with the young lady on the XXXX they had the money paid for the check XXXX check number they have the mortgage that came in on the XXXX for XXXX, but in order for them to refund me my money for one month I need to send them my bank statements and a canceled check for the XXXX check number when I told that man after all this time I waited on this phone that's just too much there's got to be a better way while I was waiting for that man on that phone I was crying because I had a feeling that it wasn't going to work out for me and I'm going to see what I can do if it's writing the XXXX XXXX XXXX and Consumer Financial Protection Bureau.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business days. XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: College Ave Student Loan Servicing, LLC (CA)

My name is XXXX XXXX XXXX and I checked my credit report on XXXX XXXX and found a XXXX loan. It is from XXXX XXXX XXXX XXXX for XXXX dollars. I never took this loan out and never would of. The loan was taken out XX/XX/2022. I need this off my credit report. I do not know how this happened! Thank you, XXXX the account number says it is XXXX
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have requested closing documents for the sale of my property which occurred on XX/XX/19. I requested the sale documents on two different occasions but have not received a response from Bayview Loans Servicing, LLC.

Nor have Bayview submitted all of the documents that were sent to me from XX/XX/19 to XX/XX/19
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  # XXXX, XXXX  XXXXXXXX XXXX  # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-09
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. (ID)

Experian is in clear violation of FCRA. This is my XXXX and final demand for deletion. If Experian is unable to successfully resolve this matter, then I intend to file suit in accordance with federal FCRA violations. On XX/XX/2023, a binding release was executed by myself and the other party in the matter. The other party notified Experian that the alleged account was null and void. They also requested deletion from my report. 

I allowed 60 days to pass... Still no deletion. On XX/XX/2023, a subsequent request for deletion was submitted to Experian by the Creditor. The submitted request, again, indicates that there was a reporting error by the creditor and that the account should not appear on my report. 

This has taken over a year to try and resolve. 

Violations include : -Continued negligence and non-compliance in regards to Sections 616 & 617.

-Code 1681 ( a ) ( 4 ).

-Section 611 ( 5 ) ( A ) - Failure to delete information that Experian can not /did not verify.

-Experian 's failure to provide true and correct Validation Documents regarding how the validation was obtained.

-Experian 's failure to provide the name of the individual at Experian who verified the accuracy of the account. 

I'm demanding that all accounts listed in the attached correspondence be immediately deleted from my Experian credit file.
Consumer complaint received 2023-06-07
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. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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