davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. XXXX has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with Experian. Experian will not remove this account from my credit report without a written statement.
Consumer complaint received 2021-07-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (AZ)

Borrower suffered financial hardship resulting from a temporary COVID 19 related furlough of Borrowers spouse and Co-borrower on XX/XX/XXXX. Borrowers financial hardship was exacerbated when spouse unexpectedly and prematurely passed away on XX/XX/XXXX. 

Borrower was granted Covid forbearance effective XX/XX/XXXX. 

Borrower notified Lender on XX/XX/XXXX that Borrower wished to end forbearance and seek relief under the COVID-19 FHA-HAMP Combined Loan Modification and Partial Claim with Reduced Documentation as described on pages 12-13 of HUD Mortgagee Letter of XXXX XX/XX/XXXX ; and pages XXXX of HUD presentation, Update to FHA 's COVID-19 Loss Mitigation Policy. 

It was specified at that time that Borrower was not eligible ( could not afford ) loan modification based on a partial claim covering COVID related forbearance alone. Borrower provided justification and documentation to support this petition. Lender acknowledged that Borrower 's application was complete on XXXX XX/XX/XXXX. 

Despite assurance from Lenders Loss Mitigation department that the FHA-HAMP waterfall guidelines would be used, Lender provided Borrower a loan modification offer dated XXXX XX/XX/XXXX limited to the COVID-related forbearance. 

The Borrower has made several attempts to correct clerical errors in the original offer and have the loan reviewed in accordance with FHA-HAMP waterfall guidelines. Lender has not provided any evidence that it has made a good faith effort to promptly and properly review borrower 's request. To the contrary, Lender issued a second edition of the COVID combined partial claim and loan modification, on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX Borrower was advised by Lenders Loss Mitigation Depart to disregard that offer ( copy of email attached ). However, since that time Borrower has not received another offer and has be contacted to execute the XXXX XXXX documents on multiple occasions. On XXXX XX/XX/XXXX Borrower confirmed by phone that Lender was unwilling to consider Borrowers petition for a FHA-HAMP based partial claim. 

Monthly payments have been reinstated according to the original loan and Borrower remains current ( excluding the forbearance amount ) on this loan at considerable cost to Borrower 's limited disposable income. Time is of the essence.
Consumer complaint received 2021-07-29
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. (NC)

Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please r

emove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX MACYS Account Number : XXXX  This is not mine.

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX This is not mine.

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX  Account Number : XXXX  This is not mine.

14. Identity Theft XXXX  XXXX  Account Number : XXXX  This is not mine.
Consumer complaint received 2024-01-30
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. (TX)

Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-07-29
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. (NC)

Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.
Consumer complaint received 2021-07-29
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. (CA)

I previously had a case opened with the Bureau ( ID : XXXX ) which I was advised has been handled but I continue to have issues with my Citi Rewards Credit card # XXXX. My statement still shows that I owe {$60.00} and no one at Citi can tell me what this charge relates to. I have NOT been using this card and want to close the account as soon as this is cleared up. Please help. I've tried calling Citi 's customer service numerous times and they have no clue. I've never been more frustrated with a credit card. 

In addition, some of my statements no longer show up on Citi 's website so there's no way I can figure this out by myself.
Consumer complaint received 2024-03-25
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. (AL)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXXXXXX Balance : {$310.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

The use of the debt collection tactic thats in question violates 15 us code 1681b, 15 us code 1681 a ( e ), 15 usc 1692c.
Consumer complaint received 2021-07-29
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. (PA)

I had a dispute opened with Chase, about a purchase made on XX/XX/2021 by the merchant name of XXXX for the transaction amount of {$1600.00}. I got items from the carrier but the items I that I got were not the items that were listed on the website it was missing the graphics card. I would like to reopen this dispute. As The merchant was unwilling to accept a return for the package. As they did not send the full package as it was listed. The item missing was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase is unwilling to go further with this dispute even though I have faxed them all the required documents and they have been unwilling to help with this.
Consumer complaint received 2021-07-29
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. (NY)

Im sending this attachments today XX/XX/2021 To have it as a proof that I sent this documents to Transunion by mail as many other letters I sent to have as proof fro the judge Im requesting to Transunion to remove inaccurate negative account from my credit report
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to report an illegal, abusive and discriminatory action by the entity TD BANK, of whom I was past client and owner of financial products. This entity has taken advantage of its dominant position to arbitrarily close my financial products alleging an alleged fraud that did not exist. This fraud is based on a transaction made by myself from my XXXX account to my savings account at TD BANK. The bank claims that my last name in the transaction matched my last name on the account. The bank not only froze the account, but also closed it in an abusive way, leaving me without access to my money deposited there in the amount of {$400.00}. Money which has not yet been returned to me. The bank is asking me to request to XXXX to start a reverse request, however XXXX has declined such request because there is no transaction b for that value that can be reversed. The {$400.00} that belongs to me and is held by the TD bank, is the result of different deposits and withdrawals of money, and not of a specific XXXX transaction that may be reverted. 

I have asked TD Bank to return my money either by : XXXX. Sending me a check to the registered account address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
2. Send a payment to that same XXXX account they have reverted payments to in the past - XXXX 3. Make a payment to the current account of XXXX XXXX, the company that owns the XXXX account - XXXX XXXX XXXX  Account name : XXXX XXXX Account XXXX XXXX XXXX Aba Routing XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Information Management Corporation (WY)

Collection agency claims that I signed a promise note ( which I did not ) on XXXX. They also claim that I came to their business & personally made 2 payments ( 1 on XXXX & the other on XXXX ). I had/have never been to the agency & up until XXXX, I had never seen this person before a day in my life.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (UT)

have and accoung with coinbase to buy and sell bitcoin. on XX/XX/XXXX was my last transaction on XX/XX/XXXX I got notice that my account had been changed. I did not do this I call the XXXX number and suposidly locked the account but not before XXXX in coin had been stolen t then my bank account was hit with another XXXX and XXXX and they found one earlier in the month for anther XXXX was with drawn from my account without my permission. now they are saying I owe them XXXX or more in funds that I barrowed from them on the XXXX or XXXX to buy more crypto. this is not right I have been sending emails regular since XX/XX/XXXX but they now refuse to even answer them saying I owe them money. can you please help
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX/XXXX-Date of inquiry : XX/XX/XXXX XXXX  XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-29
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. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2024-03-25
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. (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 this account ( A ). It is not permitted to report this account 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
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc. (AZ)

My husband recently became very XXXX and was XXXX until death. During this time, our family members took over control of our finances and misappropriated our funds in our bank accounts. I was unaware of this until today, when looking at my credit report to see what was not paid. I have filed fraud charges and filed a report for elderly abuse. No one will help me. My husband is dead and I am trying to pick up the pieces.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is a complaint against Equifax and XXXX, not XXXX. I had tried to go through the normal chain of commands by filing a credit report dispute on a closed/paid XXXX credit card that was charged off and is reporting negatively on my credit. After not yielding a justifiable response, I had filed a 609 dispute on XX/XX/2021. As per my understanding, this is a right afforded to me via the Fair Credit Reporting Act under section 609. Upon receiving my results, I was not provided with the documentation requested that validates my ownership and/or history of this account. This prompted me to file a CFPB complaint on XX/XX/2021. I had requested the same information from my original 609 letter dispute. I wanted to be provided with my wet ink signature on the alleged new credit card application, which shall also include my social security number and full legal name, or at the very minimum, what is being used to validate my ownership of this account. Instead, the CFPB was provided with a BALANCE letter from XXXX. This letter was dated two months before I filed a complaint ( XX/XX/2021 ). This balance letter states that my alleged account has a XXXX  balance. It contains no information validating the legitimacy/ownership/derogatory history of this account. This letter was uploaded to the CFPB portal and the complaints against XXXX and Equifax were closed. Had the bureaus verified the documentation provided to them they too would see nothing more than a letter saying I have a XXXX  balance.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS I would like to once again ask to have all the documents you claim you have obtained and sent to me to confirm that this is an accurate. I have NOT once received anything from you showing the information you claim you have sent. You sent me a bill and that is it. A bill that said emergency services balance owed XXXX. I have not received any else supporting what you keep saying. Why would I now after all this time do all of the steps your telling me to do for identity theft three years later.? Why don't you take the steps and submit the documents that you keep refusing to send verifying the debt is mine. It would be a lot easier for you to provide those documents than me going and claiming identity theft three years later. I have spent those three years trying to get you to provide me documents with my signature verifying the debt belongs to me and for three years you just continue to send me a bill that says emergency services balance due. That means nothing. Again, I have maintained medical insurance for over five years, maybe even longer than that. So again. Show me more than a bill, And when I say that it means show me the entire MEDICAL RECORD you have on file verifying this debt and we can move on. Otherwise, stop updating my credit reports every month with XXXX. You have my information so you can send me the medical records from the date of service you have on there. Because I have not been to any emergency room.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Capital Solutions LLC (TN)

I received a voicemail on my cell phone on XX/XX/21 from a XXXX with Orion Capital Solutions. I called back and XXXX was not available to but the lady who answered said she could help me. She confirmed only my name and birthday before telling me that I have $ 700+ debt with XXXX and XXXX. I explained to her that I've never purchased anything from either of those companies but I have been the recent victim of identity theft and have my FTC Identity Theft report and police report available. She insisted that it doesn't matter because it must be someone I know because no one would make payments on a debt if using a stolen identity. I told her I don't know who it was, but I was a victim of identity theft and I can provide documentation. She continued to insist that " since its attached to your name and your social you're responsible for it no matter if it was you, someone you know, or identity theft ''. She was rude and very disrespectful. She gave me an email address that is not mine, she gave me a mans name associated with the email address that I did not know. I asked her if she had anything she could send me because this debt is not mine. She got rude then and kept interrupting. Eventually I told her either send me debt validation or stop calling me. 

About 5 minutes later I get a call from my EX mother-in-law saying they called her to ask where I am and told her I'm in trouble with the law. They GAVE HER my name, DOB, and last 4 of my SSN. As soon as I hung up with my mother in law my dad called me and said he had a voicemail from this place saying they are tracking me and need to know where I am. This is all AFTER I already spoke with them. I don't know who they are but they should not be giving my personal information out to anyone they find in a phone book. And they should be taking a FTC Identity Theft and Police Report seriously not telling me that because she thinks she knows how criminals work, that she's judge and jury on whether or not this was identity theft.