davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-09-05
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. (PA)

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

Account Name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX  Account Name : XXXX  Date of inquiry : XX/XX/
Consumer complaint received 2024-10-14
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: JPMORGAN CHASE & CO. (FL)

My XXXX account was hacked and someone purchased {$830.00} worth of digital gift cards on XX/XX/XXXX using my saved payment methods. I filed a dispute with XXXX on XX/XX/XXXX but have received no further information. XXXX does not have a way to contact via phone for assistance. XXXX XXXX Request Number is XXXX filled a dispute with Chase, which included {$260.00} of charges listed below, but chase denied XXXX dispute. FTC Report # is XXXX. 

XXXX XXXX number XXXX ( {$130.00} ) XXXX XXXX number XXXX ( {$130.00} )
Consumer complaint received 2023-03-07
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: Nelnet, Inc. (NJ)

There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : DEPTEDXXXX  XX/XX/2017 DEPTEDXXXX  XX/XX/2017 Following receiving this notice do not place a fraud alert on my consumer file
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

SPS keeps dancing around the issue and the truth is not being told. 
SPS keeps going back to proof of income for XXXX  job I submitted this many times and each time they wanted something different, I never withdrew always resubmitting per there request. Finally on XXXX XXXX a rep from sps kept me on phone for XXXX mins and talked with underwriting about exactly how they want PT income letter written which was done. On XX/XX/2022 a rep called and said verbatim, SPS WOULD EITHER DO A RATE REDUCTION OR REDUCE BALANCE BUT PROBABLY WOULD DO RATE REDUCTION BECAUSE THEY WERE NOT DOING MANY BALANCE REDUCTIONS A ombudsman called me and claimed they had no record of my phone calls, SO I SENT PROOF OF THE PHONE CALLS with a copy of XXXX call logs showing SPS talked with me for twenty minutes both times I would like copies of what was discussed during these two long phone calls on the dates mentioned SPS is not telling the truth I WAS TOLD I WOULD RECEIVE A RATE REDUCTION
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/2023, I XXXX  {$500.00} to XXXX XXXX to pay for his IT services, from my BofA account. However XXXX XXXX never received his {$500.00}. I did called BofA for information more than once. Per BofA customer representative, the money was sent to a XXXX XXXX  account. XXXX XXXX did not own any XXXX accounts but only a BofA and XXXX XXXX acounts. He also called BofA directly on my behalf, suggesting that BofA can check through his BofA account to see if the money was received. BofA customer service promised him to look into this matter which never resolved. He also contacted BofA for this problem more than once. Frustrated, I wrote BofA a letter to their dispute department. Sadly, BofA never responded to my concern.
Consumer complaint received 2023-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/2023 -- I called USAA to ask how to pay off my personal loan in full as I have the funds to do so. I also have a car loan with them. On the phone the representative said she could do the pay off. I clearly stated personal loan in my first words to her. Next thing I knew was that she was repeating the car payoff amount as she had initiated that payoff which was for more money. I was furious and she stated that both the amounts were listed together. They transferred me to an escalation person who offered options that involved a lot of cancel this and wait for that. 

I told them to let it go through and I paid off my car when I did not expect or ask to do that.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re investigation.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I disagree with XXXX investigation results. I demand a detailed explanation of the update done on my report on XX/XX/2024. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX  acct # XXXX
Consumer complaint received 2023-10-07
Product: Credit reporting 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. 

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
Consumer complaint received 2023-04-12
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. (MI)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

It appears that my 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 is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
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. (DC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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)

This is my 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 items : XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.
Consumer complaint received 2023-10-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (IN)

My mortgage was sold to M & T Mortgage Co. as of XX/XX/XXXX. I called on XX/XX/XXXX to discuss the issues I had with the previous and original Mortgage Co. XXXX XXXX. 

I explained to the representative there is an error with the amount of taxes that were paid resulting in an escrow adjustment to cover the shortage which raised my mortgage payment by {$230.00} a month. I provided documentation to XXXX in XX/XX/XXXX after the spring taxes were paid. 

I called again in XXXX after receiving notification that my house insurance was paid and noticed that they paid the wrong amount. I provided documentation to them from my insurance company and they said it would be adjusted. 

I also asked them about the notification regarding the sale of my mortgage to M & T Mortgage in XXXX and was promised it would all be taken care of and my monthly payment would be adjusted back down rather than receiving an escrow refund check. They assured me it would be done before the sale but my monthly payment amount wasn't adjusted back down to the original amount. 

The M & T Mortgage Co. representative told me they could not take the lower payment amount without it being held in a special account and that they saw nothing in the records about the error or correction by XXXX. So I paid the higher mortgage payment amount in XXXX. 

They also told me that I had to wait for an investigation and an analysis of my escrow account and that it was expected to be completed in XXXX. But during that time I would not be charged late fees. I paid the higher amount in XXXX anyway. 

I called M & T Mortgage Co. back on Monday XX/XX/XXXX to get a copy of the investigation and the escrow analysis and was told that they did not see an escrow analysis or investigation notes and that I needed to talk to the Tax Department of M & T. 

I explained that I couldn't pay the XXXX payment because my car was broke down and I was having to get a rental car until it could get fixed. I explained that the Dealership had the car for one week and still hadn't even looked at it because they had no available technicians. I was told that the respite period ended on XX/XX/XXXX but they would waive the late charge for XXXX, which they did and provided me information about Mortgage Assistance Options and the number to call, which I did. 

I called the Tax Department. They told me to fax my documentation which included the error and correction by the county tax office and I did. They said it would take 5 days for the Research Dept to review. They scheduled a follow-up call with an update for Saturday XX/XX/XXXX but instead, I got a credit report alert stating M & T reported me to the credit bureau with a late payment! Which is going to damage my credit. 

According to the CFPB the servicer ( M & T Mortgage Co. ) is not allowed to send negative information to the credit reporting agencies for 60 days after notice of the error.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not open by me. This has been hurting me since I am in the process of purchasing a home for my family. Please remove the fraudulent accounts 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
Consumer complaint received 2023-10-07
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. (DE)

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  XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX 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 infor mation 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 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

This is a follow-up complaint to XXXX. 

After several calls, I still can not transfer my Membership Rewards points from my AmEx account because the company refuses to adjust my account name to my full legal name. In your response, you stated : " Please contact us at your convenience using the number on the back of your Card so we may perform a name XXXX XXXX XXXX XXXX XXXX change on your account to reflect your full legal name. '' In the interim, I closed my gold account and transferred my points to my corporate card. Several times have I called you attempting to change my name. I have filed out an online name change request, providing you with my international passport, which is the only form of ID I currently possess in you US. That form of identification was denied for reasons that are not clear to me. In a call today ( XXXX XXXX ), a call center supervisor could not help understand why the name change was not performed. A different call center service member promised to perform the change at the end of XXXX, said that they were gon na get back to me in 24-48 hours, and never did. It was now said that some form is being mailed to me and that I should complete it, but that is not what was stated in the previous complaint and I have no indication that that will solve my problem. Evidence continues to mount of AmEx unwillingness to correct its mistake and reflect my full legal name in my account. Please, provide me with a phone number of a competent person that I can call to make this change and do not relegate me once again to your poorly trained customer service members since I have already done 5+ calls in the last couple of months and they have been utterly incapable of helping me. If a satisfactory resolution in not provided by the end of XXXX, I will be hiring an attorney and proceeding legal action.
Consumer complaint received 2023-10-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Jupiter PreOwned Sales LLC (TX)

It was repossessed about XXXX months ago by sales my social is XXXX name XXXX XXXX METROPLEX ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX