davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has refused to comply with my opt out notice sent over one month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as XXXX5 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (IL)

Starting XXXX, 2022, my Apple Card has been used for many transactions that I have not authorized. After each transaction, I have notified Goldman Sachs XXXX Apple Card support of the issues as soon as possible, generally in less than XXXX hours of the charges occurring. However, to this date, Goldman Sachs has not addressed the issue or make it stop despite multiple attempts to resolve the issue with their customer support. Some of the transactions resulted in actual merchandise being sent to my address, and I have worked with merchants directly to return all of the merchandise delivered ( receipts of all shipments attached to the complaint and also provided to Goldman Sachs through various interactions with their support ). To add insult to the injury, Goldman Sachs occasionally mails documentation for these transactions that are clearly signed by someone else than me ( XXXX such example attached to the complaint ), yet they refuse to give credit for the transaction.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXXXXXX has refused to comply with my opt out notice sent over one month ago per my attachment. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted.

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Consumer complaint received 2023-06-06
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)

I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

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 deletion 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 XXXX XXXX XXXX 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 2023-06-05
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: Experian Information Solutions Inc. (NE)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back in XXXX, my husband and I were behind on our mortgage with Bank of America, I did a quick deed and my home was put in my name, Bank of America did nothing to help us, they transferred our loan to another Mortgage Company who helped me stay in my home, my husband passed away in XXXX. I have been current on my mortgage, I went to refinance my present mortgage and was devastated to find out I owed Bank of America XXXX! I was shocked and depressed over this and I am close to XXXX XXXX XXXX, Why wasn't I informed about this? Nothing was ever sent to me in the mail, why in the world wasn't this amount transferred to my new mortgage company?? I keep getting letters addressed to my late husband 's name, my name is no where on this letter, I am so confused and upset, I will never be relaxed about this hanging over my head, I am ashamed to tell my children, I called several places to no avail, if a Bank transfers your loan to a new servicer why would you not include this? A lot of people are telling me something is wrong somewhere when they transferred my loan to my new mortgage company, please look into this for me, I Truly believe that Bank of America charged me outrageous fees back then, please clear this up for me? My XXXX big question is if they transferred my old loan for XXXX which is what I owed Bank of America why do I owe a partial claim for XXXX? Something has to be wrong with my situation.Thank you for listening.
Consumer complaint received 2021-04-05
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: JPMORGAN CHASE & CO. (NY)

I ordered Matts for my car. When received they were wrong ones. I contacted the merchant ( XXXXXXXX XXXX ) they agreed to send me a new set. But nothing was sent from them. Called them emails them and they started to ignore my requests. I went to my CC and disputed the charges. I also sent pix of the product and emails to and from seller. 
Chase Sapphire CC entered my dispute as never received products which is not what I have complaint. They decided to close my dispute and told me its too late now for them to go back to seller. Not fair. 

When I call chase sapphire CC it always goes to a different country and I am sorry but I cant really understand those customer reps. Which makes sense why my dispute was entered wrong
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lentegrity Management, LLC (FL)

My car was totaled and my insurance paid ( Lintegrity loan company ) the value of my car but I had a remaining balance of {$2600.00}, On XX/XX/2023, {$1800.00} was reported as charge off on my credit, I reached out to Lintegrity company to because the information stated was incorrect I was informed by the rep to file a complaint to get it off being as they didnt inform me I had to pay off my remaining balance within 60 days of previous insurance payment.
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Consumer complaint received 2023-08-22
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. (MO)

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : XXXX : XXXX  2022, 60 Day Late Payment Experian : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is in regards to a Late Payment for XXXX XXXX XXXX XXXX Credit Card. Per attached screenshots, my credit reports show the following : TransUnion : XXXX 2022, 60 Day Late Payment XXXX : XXXX  2022, 60 Day Late Payment XXXX : XXXX  2022, 90 Day Late Payment Due to these reporting inconsistencies and inaccuracies, please update my account to as paid on time. This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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 2023-08-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute letter dated XX/XX/2023. Despite the passing of a significant amount of time, I have not received any communication or acknowledgment from Equifax regarding the matter detailed in my dispute letter. 

Despite my efforts to rectify the inaccuracies in my credit report and the subsequent submissions of dispute letters, I have yet to receive any response from Equifax. The lack of communication has caused significant distress and inconvenience, as these inaccuracies may have a direct impact on my financial well-being and overall creditworthiness.
Consumer complaint received 2023-08-22
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. (SC)

I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XX/XX/2018  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Hello, The card was used for the payment of an enterprise car rental back around XXXX  yrs ago, I made the complaint with the store they said that they will provide me the credit never happen I decide to contact my XXXX  XXXX credit card and dispute the charge and after their investigation, the payment was back to me. Now after almost 5 yrs I decide to check my credit score and looks like the XXXX  sent me to the collection and I was never informed to a company Caine & Weiner XXXX XXXX ) XXXX XXXX I call and is over 3 months and they still don sent me an official letter explaining the outstanding balance.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS mortgage continues to harass me by not posting my payments correctly. Ive already called them three times ( this round of problems ) asking them to back out the principal payments and post my advance payments. They also have collected impounds from me which is in my modification agreement, but they have decided to collect extra money and they told me that they could do that under the law nothing being sent to me no notification. My modification amount was 3800 monthly my payments now {$4000.00}. Theyre non-responsive with phone calls. They have told me that they can take whatever extra money they want. I am now trying to sell my house because Ive been so harassed by the lender. I feel that my age is a factor with their discrimination.
Consumer complaint received 2023-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

XX/XX/XXXX, To whom it Concerns, my account number is XXXX. I called Mohela on XX/XX/XXXX and spoke with a manager. She stated that I need to upload my Public Service Forgiveness Form showing my Employment Certification for them to continue to count my payment for forgiveness. I upload the form on XXXX XXXX showing that I have been with my current federal employer since XX/XX/XXXX. She stated that they would start counting my payments immediately after I upload my PSLF. She also stated that they would contact my previous servicer ( XXXX ) to see if I had additional payments that could be applied towards the 120-payment amount needed for loan forgiveness. I called today, XX/XX/XXXX, and spoke with XXXX, and she said that she did not know if the manager had contacted XXXX for additional payment information that was missing from Mohelas records. She transferred me to a manager. I was on hold for over an hour. A manager never picked up and the phone hung up. Each time that I call Mohela, I am left on hold for extended periods of time. Over 2 hours or more. My account shows that 7 Loans ( 2 Direct Consolidated Subsidized Loans totaling {>= $1,000,000} ) and 4 Direct Loans Unsubsidized totaling {$150000.00} ) have 115 Qualifying Eligible Payments and twenty-six that need Employment Certification. My account shows that I have 141 Eligible Payments. These loans should be forgiven immediately because I have previously submitted my Employment Certification to Mohela. Please see the attachments below. I am presently on hold right now to speak with a manager and have been on hold for over an hour. They allow 30 days to count the payments after the PSLF application has been submitted. As of today, they have not started counting my payments. The payment count process should be completed on XX/XX/XXXX. 

I am requesting my student loans mentioned above be forgiven under the PSLF immediately. If you have any questions, please don't hesitate to contact me at XXXX or XXXX, or XXXX. Thank you, XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I would like XXXX to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX 2018 and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.