davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/XXXX AmeriHome Mortgage have XXXX mortgage loans in my name with them. On XX/XX/XXXX I Refinance my mortgage with XXXX XXXXXXXX XXXX. I only had XXXX mortgage account. After closing my refinance mortgage with XXXX XXXX XXXX I find my mortgage account in more fraudulent activities with fraudulent documents being created. I continue to provide evidence in this matter of mortgage fraud that start with XXXX XXXX XXXX XXXX with they merge with XXXX XXXX and became title trustee on my property deed. This organization have changed my XXXX XXXX XXXX with my original mortgage information, and trying to cover-up the fact that they sold my property and is receiving profit that is being paid to investors. 
XXXX. Why have you added my mortgage loan that you said was Transferred from XXXX XXXX XXXX but the truth is my loan was sold on my closing date to AmeriHome Mortgage Company. Why is my mortgage in a debt collector with your company? 
I will be subpoena your documents for the court? 
XXXX. Why is it so important for me to sign in on line with this mortgage account? 
You charging me {$2.00}, because I pay by phone. 
XXXX. XX/XX/XXXX I called and your records indicates that my mail is being returned. 
Why when I have already verified information with your agent on the phone. 
XXXX. I always received mortgage statements that I continue to say look fraudulent XXXX. Why did AmeriHome Mortgage do a hard credit pull on my credit report on XX/XX/XXXX and on XX/XX/XXXX to different mortgage companies? 
I keep up with kind of information because of all the fraudulent activities and cover up. 
XXXX. I had no Mortgage Loans on my credit report from XX/XX/XXXX when I first refinance thur XX/XX/XXXX. 
Now I have more than XXXX or XXXX that have been added to my credit report. Because if my Refinance with XXXX XXXX XXXX Yes this is a Organization doing White collar crime. 
I need someone to look over my files and investigate, because this organization is violating my consumer rights. 
XXXX. Not receiving mail only what they want me to receive, court documents that say I owe XXXX XXXX XXXX over {$8500.00} and mail that I do not receive, until after they created, and present to someone, although I knew from the beginning. 
I'm going to file more case against this organization and name people. I noticed now you are not adding name that are addressing my complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AmeriHome Mortgage Company AmeriHome Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name on my credit report that was pulled and Company
Consumer complaint received 2023-06-20
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled Please fix the following accounts : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}
Consumer complaint received 2023-08-12
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 15 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 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 2023-06-20
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)

The unverified items indicated below continue 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 these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION ()

I am submitting this to formally request the deletion of my account with Account name, account number.If youre unable to perform and can not locate the necessary documentation proving I authorize the procurement of my credit reports, then I respectfully demand the immediate removal of the said account. 
FIFTH THIRD BANK NA XXXX Balance Owed : {$43000.00}
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-27
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. (CA)

On XX/XX/XXXX I sent in an inquiry dispute to TransUnion for 13 inquires and XXXX for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from  TransUnion stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.
Consumer complaint received 2024-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC (NJ)

On XX/XX/2024, I received an email from launch servicing as to how my automatic payment will be coming out of my bank account. When I click on the link to see my outstanding loan, it takes me to a screen that informs me that my loan has been transferred to XXXX XXXX XXXX XXXX shows that I do not have an upcoming payment- However, Launch servicing is continuing to remove money from my bank account monthly for XXXX separate loans, even though they no longer hold my loans.
Consumer complaint received 2023-08-12
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. (NV)

On XX/XX/2023 I sent the following document/letter to Experian for the following incorrect items they are reporting to my credit profile. ATTENTION : EXPERIAN DISPUTE DEPARTMENT - To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. XXXX : XXXX - The payment status is incorrect, please delete. XXXX XXXX XXXX XXXX XXXX : XXXX - The first delinquency reported is incorrect, please delete. XXXX XXXX XXXX XXXX : XXXX - The past due amount reported is incorrect, please delete. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Thank you for your prompt a+enXon to this ma+er. I apologize for being so upset, however, your mistakes are causing me a world of trouble. Please DELETE/ UPDATE the above accounts as quickly as possible.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Someone made XXXX unauthorized purchases using my physical Capital Once Venture X credit card without my knowledge on XX/XX/2024 at a XXXX ( {$130.00} ) and a XXXX store ( {$100.00} ) in XXXX, XXXX. I was not physically in XXXX at the time and I was not aware that my physical card was stolen. However, Capital One sent me a fraud resolution letter claiming that, information we discovered leads us to believe you or another account user benefitted from the transactions. When I confronted a Capital Once agent over the phone to re-open the investigation, she said that it was my responsibility, not theirs, to rectify this crime with the merchants directly. I have been in contact with these merchants but have not heard of any updates. Im currently in the process of filing a police report with the local precinct hoping to obtain more evidence, such as footage at the stores, that I did not make these purchases.
Consumer complaint received 2023-05-22
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: NAVY FEDERAL CREDIT UNION (RI)

Upon joining a credit monitoring service today I noticed inquiries were made from someone other than myself attempting to apply for a product at XXXX XXXX  XXXX & Navy Federal in my name. I contacted the Federal Trade Commission & was directed to file an identity theft report about this situation.
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: EQUIFAX, INC. (MO)

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-08-13
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. (MD)

Received notification from XXXX and Transunion that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.
Consumer complaint received 2023-08-12
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. (FL)

I am not liable for this debt with XXXX, XXXX XXXX and XXXX XXXX. I do not have a contract with these companies and they did not provide me with the original contract as requested.
Consumer complaint received 2023-05-29
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)

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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Jacob Law Group, PLLC (MS)

On XX/XX/XXXX a credit card was opened in my name, With XXXX XXXX.That I had no idea that it was on my credit report, this account was opened for 2 years until the payment stopped until I went to purchase a home and was required to go to credit counseling for unresolved issues.This is when the matter comes up in XXXX of XXXX, advised by the credit counselor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told us to get a copy of the judgement that went to court in XXXX of XXXX! upon getting the info and contacting Jacob Law Group, I filed a police report and faxed it over to them and they are going to proceed with the garnishment back as stated from XX/XX/XXXX!! My credit advisor advised me that the statue of limitations is 3 years in Mississippi and that they could not garnish his wages.and I was advised to contact to you for solutions.I tried to pay the debt as well, so that I can proceed in my home purchase and try to retain a lawyer later if wrong doings or involve, but Jacob Law Representative said they could not provide proof of the payment until 30 after being paid.Balance of credit card statement is XXXX.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2024, I received an email from Capital One stating that my card was declined due to multiple recent charges on my account. I reviewed my statement to find multiple high ticket purchases in the same mall outside of my state ( Pa ). I was at work, so when I got my first break I called to report the purchases as fraudulent and a dispute claim was opened. I informed the rep that my wallet was lost and other charges for other cards were also charged. I received a response for the dispute stating they had insufficient evidence to prove it " was not '' me and as a result I would be responsible for the charges. The individual who used my credit card did not present a government issue ID for the charges because I still have my ID with me. I had removed my ID and XXXX other frequently used debit cards. This company has not worked in my favor and I am upset because the interest rate is high. I have been violated by both the XXXXredit company and the thief.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I have a current police report on file with Chex Systems. The following inquiries viewed by others and by me currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent inquiries and not my inquiries : XXXX XXXX, XX/XX/year> and XXXX XXXX, XX/XX/year>
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Consumer complaint received 2021-03-05
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: U.S. BANCORP (DC)

On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. 
I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. 
Thank you for your attention to this matter. 
XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter