davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$220.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Date of request : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of request : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of request : XX/XX/XXXX ; If you 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

As knowledge has been given to me, I have tried to verify the information with my lender in regard to the source of my loan. I have accused my lender of using my name and credit to generate a security fund and then lend me my own money. I applied for a loan, I did not sign up to be the source of a mortgage backed security. According to the knowledge I have obtained, my simple XXXX XXXX dollar ( $ XXXXusd ) loan request was transformed into a mortgage back security that produce XXXX XXXX and XXXX XXXX dollars ( $ XXXXusd ) from the Federal Reserve Bank and then another XXXX XXXX XXXX XXXX XXXX dollars ( XXXXusd ) from investors. I have requested a Securitization Audit from my lender with no reply. If my mortgage identification number has a security attached to it, then the knowledge must be true and my lender has me in debt with my own money and credit. If my lender used its own money, then no security will be found. If my lender can disprove my claim, then I will resume my payments. If my lender used my name and credit and had me pay myself, then I claim all XXXX  XXXX XXXX XXXX XXXX Dollars.
Consumer complaint received 2023-02-03
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. (FL)

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-01-08
Product: Credit card or prepaid 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: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

My wife 's employer is using XXXX instead of ACH. We didn't know that direct deposit needed to be through ACH until we were charged the fee. I tried to talk to Chase about it and they hung up on me. I called back and tried to close the account and they hung up on me. I could have avoided the fee by keeping a minimum balance in the account but it dipped below the minimum on one day.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (KY)

Since 2020 I was checking my credit report and start disputing hard inquires on my credit report. In 2020 i applied to work for XXXX XXXX, XXXX XXXX and later them send it to me a letter when they explain to me that they have a BREACH on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information
Consumer complaint received 2022-10-22
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 sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXXXXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXY XXXX XXXX : I had submitted an initial complaint that didn't have these items which I found in my report, and I tried to fix. It was only found in the TransUnion Report.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Woke up to XXXX emails from Bank of America stating that my online application is in progress, that it was approved, welcoming me to mobile banking, and that my email address was updated. The emails were sent around XXXX. I called Bank of America when they opened the same day and they verified that an account had been opened under my name and with my social security number but there was no activity on the account yet so they were able to mark it as fraudulent and close it.
Consumer complaint received 2023-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SD)

Yes, I have contacted " Penny Mac Loan Servicing Center '', on numerous occasions and they still saying they can't find my check written on " XXXX XXXX check # XXXX for " XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX  Dollars. 
I'm requesting your assistance in resolving this matter, because the check was written for my " XXXX '' payments, with additional money to help with my escrow. My new mortgage payment is {$990.00} a month, which for " XXXX '', is {$1900.00} and the balance ( {$630.00} ) is to be applied to my escrow account. 

Here 's the name of my mortgage company, I am complaining about : Penny Mac Loan Financial Servicing / phone # XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Dakota XXXX XXXX Loan # XXXX
Consumer complaint received 2023-05-15
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. (LA)

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 2023-01-07
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: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/21 Truist bank reported to XXXX that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

On XX/XX/21 XXXX XXXX XXXX reported to XXXX that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX or XXXX 

Per CFPB regulations Im demanding that XXXX removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
Consumer complaint received 2022-11-27
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. (AL)

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 U.S.C 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. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXXXX Reference number # XXXX has violated my rights. 
XXXX XXXX CFPB violation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It is my assertion that the inclusion of erroneously documented late payment remarks on my accounts violates 15 USC 1666. Every payment associated with these accounts has been promptly executed, and any deviation from this accurate reporting is deemed unfair and unlawful.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/ ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have written XXXX, XXXX, and Experian for over a year to stop reporting inaccurate information. However, they continue to violate my rights. 

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 2023-01-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-01-09
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: EQUIFAX, INC. (CA)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (FL)

Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check Discover Card 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) Discover states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXXXXXX XXXX account was opened in XXXX. ( Screenshot attached ). Discover was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the XXXX app, which also showed a shortened credit history, even though the credit report XXXX mailed to me also showed the XXXX XXXX. opened in XXXX. XXXX gave an Escalation # XXXX on XX/XX/XXXX. 
Discover & partners reflect XXXX XXXX calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a XXXX yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither Discover, XXXX, or XXXX claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of XXXX or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the Reverse Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use XXXX for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ Discover Card ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and especially the XXXX XXXX, including their mobile app.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I am battling stage  XXXX   XXXX   XXXX . I was being cared for at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX . We have been receiving many bills which were incorrectly billed to the wrong insuranc e carrier e ven though every time we seek care at any of their facility, the first question we must answer is if our insurance has changed. Due to an employment change, our insurance had changed and the hospital as well as their doctor billing were informed by using their own process and providing them with our new cards. In addition, if we could not provides insurance, their policy is not to provide service.     We have been inundated with incorrect billing statements. Despite repeated phone calls and assurance from their representative "  XXXX  '', their incorrect billing was ultimately referred to a collection agency by the name of CMRE  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX  CA  XXXX .     I keep getting collection notices by which I answer by stating that until their billing is corrected, no one really know what is my part of the bill due. CMRE is beginning to use the tactic of resending the same collection notice immediately after the  XXXX  day cycle expires in an attempt of confusing us and by missing  XXXX  of their cycles will give them the opportunity of destroying our credit rating ( which is impeccable ).     All we have asked both from  XXXX   XXXX   XXXX   XXXX  and CMRE is to provide the accurate accounting instead of treating us like uninformed uneducated consumers.
Consumer complaint received 2024-03-26
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX