davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (NC)

This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity 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 that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am the XXXX XXXX of XXXX XXXX XXXX XXXX, a XXXX XXXX non-profit organization based in New York state. We have a line of credit with Bank of America. We have requested a copy of the terms and conditions of our credit card from the Bank. After XXXX attempts over the course of 3 months, they have failed to send us the terms and conditions. We originally asked for them to be emailed to us, but the bank said they had to be send in hard copy and that it would take XXXX - XXXX business days. Despite this, and despite dealing with their customer service department over and after waiting for the documents to arrive, the bank has simply not sent the information and refuses to share the documents in any accessible or timely way. And just to be clear -- we need the terms and conditions for the overall line of credit. The number I provided is just for my personal work card on the larger account.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (ND)

This is my seventh 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (OH)

Per tracking, Its been 2-3 months. No information 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 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I provided my PII to XXXX XXXX for the purposes of a soft credit pull for prequalification without an impact on my credit score. XXXX XXXX then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted my credit score.
Consumer complaint received 2023-07-31
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. (TN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Information Bureau, Inc. (CT)

In the later part of XX/XX/XXXX I noticed a negative remark on my credit report through XXXX XXXX. I contact the company listed on the remark Credit Information Bureau , Inc at which point i spoke to XXXX. I asked her to please provide validation of the debt claiming to be owed. On or about XX/XX/XXXX I received a Letter from this company stating this was an attempt to collect a debt with an unknown history inquiry at which point several additional attempts were made to contact this company again inform them this is not proper validation in which I requested but no one from the company returned my call. On XX/XX/XXXX a Debt Validation Letter was mailed certified to Credit Information Bureau and to date they have failed to respond to my request. All copies of above stated documentation has been attached to this complaint.
Consumer complaint received 2023-07-09
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. (IA)

I want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to Experian but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (IN)

To whom it may concern, This is in response to XXXX XXXX XXXX in Re : XXXXXXXX at XXXXXXXX XXXX XXXX As I stated back in XXXX of 2023, XXXX XXXX XXXX of XXXX XXXX XXXX and the Lawyers for XXXX apartment complex dismissed the case against me without prejudice and vacated the hearing set for XXXX XXXX the Lawyer called me and said I didn't have to appear as well as the courthouse clerk. Explain to me how the collection agency, who I didn't had a signed contract with while residing at XXXX apartment complex Still harassing me and my family, calling my immediate family members harassing them. Using profanity and trying to extort money from me which is a violation. I never signed anything with XXXX XXXX XXXX That being said, XXXX written it off as a tax write off and got paid and XXXX XXXX XXXX bought the debt for little of nothing and they trying to get paid as well. I clearly provided documents and still getting ignored by Experian. I provided proof. If this account is not removed immediately, my final step is to sue for defamation of character and emotional distress. 15 USC 1681 A4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

XXXX XXXX loan XXXX was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX Experian responded back on the dispute stating XXXX XXXX reported the balance is still owed. 
I spoke with XXXX at XXXX XXXX collections, XXXX. She stated that they are allowed 8 days from time the debt was paid to verify it was and 30 days to update the report on the credit bureau. 
The balance is updated on XXXX and XXXX, but as of XX/XX/XXXX Experian responded again to my filing a dispute stating the balance is still owed. This a a violation of FCRA to inaccurately report a consumer 's debt owed/paid.
Consumer complaint received 2022-12-13
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. (VA)

XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, XXXX and TransUnion to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.
Consumer complaint received 2023-07-31
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

Hello, on XX/XX/XXXX, I applied for the Wisconsin Help for Homeowners grant because I was unable to pay my mortgage. I was approved in XX/XX/XXXX. For the past 4 months I have been trying to get through to someone/anyone that can help at my mortgage company ( PHH mortgage ) so that WHH ( Wisconsin help for homeowners ) can release the funds to bring me current on my mortgage. Meanwhile on XX/XX/XXXX my mortgage company ( PHH ) served foreclosure paperwork. I have always paid my mortgage on time ( Ive lived here for 21 years ) through my battle with XXXX in XXXX, through XXXX and then getting XXXX in XXXX. My home has needed many repairs and due to my battles and illnesses I was unable to do any repairs. In XXXX I began finding contractors to repair my home, as it was becoming hazardous to live in. Due to me getting XXXX, having multiple XXXX, going through XXXX, me and my XXXX XXXX XXXX ( XXXX XXXX ) getting XXXX in XX/XX/XXXX and having to get my front sill plate repaired, porch roof that was leaking and causing mold, tear down the remaining damaged chimney, have siding put up, roofing and drywall to repair the hole in the house from where the damaged chimney was, I have not been able to keep up with my mortgage payments since XX/XX/XXXX ). I have called PHH numerous times ( from the person whoever answers the phone at that time, to the mitigation department to the escalation department ) to let them know that all the mortgage company need to do is complete the CDF process so that WHH can release the funds to reinstate my mortgage. This is why I was so confused when they served me papers for foreclosure in XX/XX/XXXX. I finally have a main contact person at PHH but she doesnt understand what the hold up is either and how to advance the process. I want to keep my home that I have worked so hard for, being a XXXXXXXX XXXXXXXX, XXXXXXXX XXXX, battling XXXX, going through XXXX and XXXX please help me get through to them and let them know that all they need to do is complete the CDF process so the state program WHH can release the funds to reinstate my home and allow me to keep my home. Thank you so much in advance.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

I do not acknowledge any liability for this debt in any form. However the company is reporting to the 3 credit bureaus & I requested to pay to delete. This company emailed me back stating they do not have this debt. Im asking to have this account deleted from my credit report.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 1681s-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.
Consumer complaint received 2023-04-17
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$1100.00}
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

I been waiting for a resolution of a dispute or claim for months and months. I reported the issue in the right way but the bank employee got the wrong information. 
Finally last week I received the credit for months and months but even that, the bank did not refunded all the overdraft fees and also I was charged a extended overdraft fee that havent been refunded. 
I also requested the closure of my business account and the account still open.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 1681s-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.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Nine weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. Seven weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. Four weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The Accounts and inquiries listed below and in the the Identity Theft Report attached are all fraudulent accounts that were opened with my consent. 

Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX