davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$700.00}, {$330.00}, {$190.00}, {$54.00}, {$210.00}, {$22.00}, {$1600.00}, {$190.00}, {$870.00}, {$83.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX   XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

4. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$54.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$210.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22.00} -This is not my account. 

7. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$870.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$83.00} -This is not my account. 

11. XXXX XXXX XXXX/ with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (SC)

I filed a complaint against the company for trying to collect a false debt from Discover previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from Discover, the original creditor. 

The attorney is intentionally not releasing the debt to Discover so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd Discover bank and and attorney on this complaint so that I make sure Im following all steps required beforehand.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I FILED A DISPUTE WITH TRANSUNION ABOUT SEVERAL ACCOUNTS LISTED ON MY TRANSUNION TRADELINES. I DISPUTED THE FOLLOWING ACCOUNTS : XXXX XXXX, XXXX   XXXX XXXX XXXXI, AND XXXX XXXX. I CONTACTED THESE COMPANIES AND THE REPRESENTATIVES STATED THAT THRY DIDNT HAVE AN ACCOUNT THERE LISTED FOR ME AND REFERRED ME TO DIFFERENT COMPANIES TO CALL. PER THE FCRA, IF THE COMPANIES DONT OWN THE ACCOUNTS THEN THEY SHOULD NOT BE LISTED ON MY TRADELINES. TRANSUION STATED THEY VERIFIED THE ACCOUNTS, BUT THERE IA NO WAY THESE ACCOUNTS COULS HAVE BEEN VERIFIED ACCURATELY IF THE COMPANIES DONT OWN THESE ACCOUNTS.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — Store credit 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: TIDEWATER FINANCE COMPANY, INC. (CA)

I opened a credit account at a furniture store in XX/XX/XXXX. I purchased a bed using the store credit account through Tide Water Financial. I ended up canceling the order with the furniture store and requested the account to be refunded since I never received or picked up the bed ; I am not in possession of the bed. The furniture store refuses to refund me because they claim " its a courtesy '' to issue refunds and that they don't have to. I called the credit card company numerous times with different reps stating that they will escalate this to a manager and that I would get a call back. I continued to call the company and yet nothing was done. One manager told me I'd have to fight with the furniture store and that this was a correct charge. As of XX/XX/XXXX this still had not been resolved so I called the credit company again and spoke to someone who actually escalated the call to dispute dept. As of XX/XX/XXXX it still had not been resolved so I called the credit card company and spoke to XXXX my account manager and she stated that the furniture store had in fact admitted that the bed had never been delivered and that the order was canceled. She stated that the refund would be done by the furniture store by someone named XXXX and that she would call Tidewater the following day but that has not happened yet. My credit has suffered because of a charge that shouldn't be there because I do not have the merchandise that the charge belongs to.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

On XX/XX/XXXX we re-financed a loan that was held by Specialized Loan Servicing ( SLS ). We paid the payoff amount they told us to, in the time frame they told us to, and the closing went smoothly with no problems, questions, or issues. Eleven days later, on XX/XX/XXXX, we received a letter from SLS stating they would not close our mortgage until they received an additional {$580.00}. Furthermore, if we didn't pay that additional amount within two days, by XX/XX/XXXX, they would return our closing check, keep the loan active, and continue charging interest. I called SLS on XX/XX/XXXX to inquire about the sudden extra charges, and they said it was related to " additional interest that didn't show up, and a tax/insurance escrow shortage ''. They would not explain further. As I examined their latest numbers, I could not see how they came up with {$580.00}. To complete the transaction, I submitted to SLS a cashier 's check in the amount of {$580.00}. This charge seems inappropriate and unfair since we had already obtained from them correct closing figures and abided by their information.
Consumer complaint received 2023-01-16
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: WELLS FARGO & COMPANY (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follow : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XX/XX/2013 Balance : {$2900.00}
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I lifted a freeze on my Experian credit report in XX/XX/2019 but lenders are still receiving notices that my credit file is locked. After many calls over two months I finally was told that lenders are unable to access due to their database issue. I am unable to get approved for loans or credit cards due to their lack of urgency in solving the problem. I am unable to receive a copy of my own credit report after requesting one to be mailed in XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I was told again it will take 3-5 business days to resolve and I should receive a credit report in the mail in 7-10 days. This has caused me undue hardship for 2-3 '' months trying to apply for credit to secure a mortgage.
Consumer complaint received 2023-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MI)

I have my account set up on auto payments and it takes the payments out monthly. But one month it said I was past due so I made an extra payment and said {$0.00} was due. Then after my normal payment I look on the app and it says 30 days past due and my credit report shows a delinquency. I tried emailing and calling on the phone but no response. Poor customer service.
Consumer complaint received 2023-01-16
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. (TX)

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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} 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 2024-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason TransUnion feels Im not following all the steps. 
XXXX XXXX I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with TransUnion for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. 
I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally losing my mind because I have no other recourse
Consumer complaint received 2024-03-20
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)

I would like to express my continued frustration and concern regarding the presence of fraudulent items on my credit report, despite previous attempts to have them removed. Despite my diligent efforts to rectify this situation, the fraudulent items persist, posing a significant threat to my financial integrity and security. 

Despite my initial efforts, the fraudulent items remain on my credit report, posing a constant threat to my financial well-being. Consequently, I am compelled to submit a second dispute in the hopes of finally resolving this issue and protecting my financial integrity. 

I have attached copies of all relevant documentation, including previous dispute submissions and supporting evidence, to expedite the resolution process. I urge your agency to prioritize the investigation and removal of these fraudulent items to prevent further harm to my creditworthiness and financial standing. 

Additionally, I request transparent communication and regular updates on the progress of the investigation into this matter. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$8200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (LA)

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. XXXX, XXXX and Transunion, are reporting late payments on XXXX accounts ( XXXX XXXX  ) XXXX # XXXX and XXXX XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave XXXX, XXXX or Transunion written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for transunion. for XXXX XXXX and experian XXXX.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. Equifax, XXXX and XXXX, are reporting late payments on 2 accounts ( XXXX XXXX  ) XXXX # XXXX and XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave Equifax, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for XXXX. for equifax XXXX and XXXX XXXX.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (NV)

BMO HARRIS charged me 10 ( TEN XXXX overdraft fees, when I specifically told them on the phone and online, that I do NOT want overdraft. 

BMO HARRIS paid a {$12.00} overdraft and then charged me {$70.00} dollars, which is a 600 % profit for them. USUARY and FRAUD. 

I told BMO HARRIS. If there is not enough money in the account, do NOT pay any fees. Simply decline the transaction. For the sole purpose of defrauding their customer, BMO HARRIS decided to pay {$12.00}, then charge me TEN ( 10 ) overdraft charges. 

BMO HARRIS has now sent my account to XXXX  XXXX  You must prevent this customer abuse. 
1 ) I never requested overdraft 'protection ' 2 ) Charging customers a 'FEE ' of 600 % is fraudulent and abusive
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX