davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-01-11
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. (TX)

XXXX, EQUIFAX and XXXX both have already " updated '' and " verified '' all the previous accounts that I have submitted in XXXX ( CFPB ) Complaint. I expressed my concerns about my rights to " fair '' and accurate reporting and they changed absolutely nothing and updated only remarks which have little nothing to do with specific details that hugely affect your account like : Date opened, current status, accurate balances on all 3 bureaus or accurate account balance initially etc. 

It is a clear violation of my consumer Rights and my Fair Credit Act Reporting Rights to continue to report these accounts inaccurately. Please see attachment where I have uploaded all3 bureaus and their inaccuracies.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunbit, Inc. (GA)

The following company Sunbit Inc has there company name listed on my XXXX credit report as a debt in the form of credit card in the amount of {$4400.00} acct # XXXX and installment loan of {$840.00} acct # XXXX. I have tried to resolve this matter amicably with this company. I have no recollection of ever doing business with this company nor have I ever heard of his company. I have sent certified mail requesting documentation with my signature. They have not provided me with any proof of this account belonging to me. I have filed a FTC theft report and police report sent to the major credit reporting agencies.The personal information this company has on file for my identity is not related to me such as address, phone, email etc. I am reaching out to the CFPB to help me resolve this matter.
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2022 ) 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 2023-06-08
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. (AZ)

This is my third 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 APT XXXX XXXX, AZ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX was transferred fraudulently out of my Bank of America Edd account I reported it made a police report notarized documents showing proof that my money was stolen Ive filed complaints with the bank the denied my claim several times but I keep opening my claim back up last time I reopened my claim was XX/XX/2022 still havent got a decision this has put me in a terrible situation I had to have a program pay my rent and bills and my credit score has dropped from a XXXX to a XXXX because all my money was stolen and the bank has not been any help I even asked for hardship and was denied the this bank has ruined my life
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have asked this debt collector to verify and validate this debt on XX/XX/2023 Under 15 USC 1692g. Validation of debts and to this date they have not provided any correspondence regarding this debt. I have never done any business with this company and I have no knowledge of the accounts they have listed on my credit report. I would like for this account to be deleted from my credit report as this has become a hinderance for me.

Under 15 USC 1692g. Validation of debts
Consumer complaint received 2024-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (TX)

Recently, my husband and I applied to our mortgage company, Mr.Cooper, to remove the PMI ( Private Mortgage Insurance ) from our mortgage loan due to the current property value. We were instructed to pay {$190.00} for a property valuation. We paid the fee. A person arrived at our home on XX/XX/2023, stayed for five minutes, and left. During this time, he took photographs of our bedrooms and the outside and left. 
We received a letter denying the removal of PMI because we must meet the applicable loan-to-value ratio ( LTV ) according to the chart on page 2 of the letter. The chart on page 2 is as follows : Loan less the years old : Single Family Residence 80 % Loan is between two and five years old Single-Family Residence 75 % Loan is greater than five years old Single-Family Residence 80 % Ours is two and a half years old, and our LTV based on the current value is XXXX. It appears on the surface that Mr.Cooper systematically raised the PMI removal standard to 75 % in the category we fall into - to ensure we do not qualify because it doesnt make business sense to have a standard of 80 % LTV , raise that standard then lower it again after five years. This business practice appears discriminatory on the surface ; however, it guarantees PMI payments for at least five years if someone does not pay a 20 % down payment at the closing of an original loan. It also makes it difficult to remove PMI if the lender raises the LTV requirement for loans between two and five years after showing an excellent payment history after 24 months. 

My husband is a fully XXXX American veteran who could not use his VA Loan at the time of this purchase, due to another home, however when the interest rates lower, we plan to do so in the future. In the meantime, we do not want to waste finances on a product when we can place the PMI funds towards lowering the principle of this loan. 
As of the date of this letter, our loan balance is {$280000.00}, and the critically reduced value, without considering our corner lot size, beautifully landscaped yard, and upgraded master closet, is listed as {$350000.00}, which is an LTV of XXXX.
Consumer complaint received 2024-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I NOTICED I HAVE A CAPITAL ONE HARD INQUIRY XXXX-2023 AS WELL AS XXXX-2023! I NEVER MADE THIS INQUIRIES. HAVE TRIED TO DISPUTE, HOWEVER I'M NOT GETTING ANYWHERE.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on becoming aware of my consumer rights. I obtained a copy of all my credit reports. on review I've noticed numerous inaccuracies on my reports and also that my data has been breached. I reached out to all the agencies. but still haven't had my info corrected.
Consumer complaint received 2023-06-08
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. (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 XXXX
Consumer complaint received 2023-08-18
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (CT)

I received a notification from my credit monitoring today, XXXX, that a credit card was opened in my name. All my credit accounts are frozen and no cards should have been issued. But, current bank does not even list a phone number to contact them. Obviously this company thrives off of issuing cards off of stolen information. Please help me resolve and remove this from my credit report.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (GA)

I received a phone call from a gentle man calling me. The man called me and said XXXX as I asked who's this, the man tried to act as if he knew me, and we were friends. Then proceeded to tell me about a balance I owed. I ask for him to send me information on what he stated I owe. I got upset due to the gentleman never said the XXXX prior to his initial contact with me. I then went online and sent compliance an email. Couple days later the supervisor called me very unprofessional stating I asked her to call me. As I proceeded to tell her my concerns the conversation didn't end well, and supervisor hung up. As of this day the company still has not validated this debt and have yet to explain the call received from the rep pretending as he knew me.
Consumer complaint received 2023-02-13
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-08
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-04-14
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: AMERICAN EXPRESS COMPANY (UT)

Subject : Request for Reinvestigation of Multiple Disputed Claims with American Express Dear Consumer Financial Protection Bureau, I am writing to request your immediate intervention and assistance in the reinvestigation of XXXX separate disputed claims that have been denied by American Express. Each dispute involves a clear case of service not rendered, unauthorized charges, and a severe breach of privacy. 

Dispute Details : XXXX XXXX XXXX I returned items to XXXX, following the merchant 's agreement to a refund by providing a return label. Despite shipping the items back and the merchant receiving them, I have not received the promised refund. 
XXXX XXXX XXXX Unauthorized Charge A vehicle purchase from XXXX XXXX XXXX XXXX a series of unauthorized transactions, including a failure to refund an initial down payment of {$5000.00} and an additional unauthorized charge of {$2500.00}. The purchase agreement was eventually canceled by the merchant due to their inability to repair the vehicle, which also necessitates a refund. 
Ref. XXXX XXXX XXXXXXXX, a XXXX Property Privacy Violation During a stay at XXXX XXXX, which was confirmed to include an awarded suite night upgrade, I encountered not only a retraction of this upgrade but also a serious violation of privacy. A spy camera was found in my hotel room, and the issue has been largely dismissed by the hotel and inadequately addressed in my dispute with American Express. 
XXXX
Consumer complaint received 2023-06-08
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-12-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (WI)

I wanted to consolidate my credit cards. I went to my bank that holds my mortgage. I had a XXXX credit score and wanted to use my equity in my house to get a loan to pay off {$20000.00} in credit cards. The loan officer took all the information and worked with higher loan officers. They told me to get the Wells Fargo credit card that gives back XXXX % to the home mortgage and transfer {$5000.00} to that credit card. Also, they said if I paid off the rest of my car loan, that would make the numbers work. I sold some of my father 's estate items and paid off the car. I transfered half of my XXXX card to the Wells fargo card and then they denied my application. 
The loan officer said there was an issue and he would try again because he was told it would work. I was denied again after he assured me it would work. Now my credit score is down to XXXX or so and we tried a third time based on his " new '' information from his loan associates. They denied me again. 
The problem he told me was with the amount on the credit cards being used in my application even though the money is to be used to pay them down. Every time he would call them, they would say it was fine and they would take that into account, yet, everytime the loan was applied for, Wells Fargo would turn it down. 
I wasted my time, sold items I did not want to sell and lowered my credit score all because Wells Fargo told me the numbers worked and I would be able to get a loan. 
This is ridiculous that this can happen. I honestly believe they wanted me to transfer my credit to their card and then hold me hostage. 
XXXX