davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MT)

I reported my complaint to you back in XXXX and XXXX of this year about ditech not giving me my payoff for my mortgage loan .They responded to it with nothing but lies .the dates they gave you were phone calls from me to them about the same problem. I received two separate letters from Ditech stating they were checking into my problem and it would be thirty days befor they would respond. Well its now XX/XX/XXXX and still nothing from them .All I know is their filing for another chapter XXXX but will not return my request for my payoff.If I try and call I am put on hold for over an hour and half.
Consumer complaint received 2019-07-02
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I had my identity stolen. Someone opened accounts using my name, address, phone number, social security number, and banking information. I called all three credit agencies and asked them to put a freeze on my account and to send me my reports. That was in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again last month, XX/XX/XXXX. 

The identity thief lives in my apartment building and has been stealing my credit reports. My landlord and the XXXX Police Department won't do anything about it, they don't believe me. Neither will the USPS because the mailboxes are in the apartment building ( XXXX XXXX and XXXX XXXX in XXXX, ND ) since the mailboxes are on their property, it's not the USPS responsibility to make the mailboxes safe and secure. 
Regardless, I need my credit reports- especially from Equifax. That is the credit report that shows all of the fraudulent accounts.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

i received an email regarding an account I " opened '' with bank of america. I called them and they wanted my social security number, which i did not feel comfortable providing. I did NOT open an account with them. i received a statement in the mail today. i can not get through to speak to anyone in the fraud department now. i need this frauduently opened account in my name- with my address, email and SS # to be closed immediately.
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of a mortgage related wire transfer fraud. I was scammed to send {$10000.00} to the scammer. 

- Day of the scam : XX/XX/23 - Amount : {$10000.00} - Scammer 's Bank and account they use : XXXX number : XXXX Account Number : XXXX Account Name : XXXX XXXX The wire transfer was initiated by me, from my bank XXXX, to the scammer 's bank i.e. Bank of America. My bank XXXX is in the process of trying to get my money bank and I do not have any issue with them. 

My complaint is against Bank of America. I called BoA to create a BoA case to report fraud occur with their account number. I was pretty much told by the rep the originating bank XXXX XXXX XXXX will handle all fraud complaints with BoA. I, as the offended party, could not create a case, or some sort of record with BoA. 

When I asked, what if any steps, are going to be taken against the account, I was told my local police had to call BoA. In short, I, as a consumer, am not able to create a case with BoA. 

- I was deeply upset that BoA is not interested in preventing fraud. 
- They appear to be fine with being complicit in fraud. 
- I have no hope or expectation BoA will take the next steps to close down this fraudulent account and stop or prevent this activity moving forward. 

Either # 1 the scammer is XXXX XXXX, and BoA are knowingly aware of this fraudulent activity, or # 2 scammers can simply open fraud accounts with BoA under false names and BoA systems are so poor they can not detect this fraudulent activity. 

Details - BoA complain - I called this number ( XXXX ) which is Bank of America Fraud department. 
- I called on XX/XX/23 at XXXX XXXX CST - I spoke with the BoA rep : XXXX no last name, ID number : XXXX
Consumer complaint received 2023-02-14
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. (FL)

CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (NY)

I noticed two inquiries on my report that I never authorized from XXXX XXXX XXXX. These inquiries were initiated on XX/XX/2023 and XX/XX/2023. I contacted XXXX XXXX XXXX and spoke to an agent named XXXX who informed me that there is nothing showing that I am a client and that I should dispute and file an identity Theft Report which I did. However, Equifax stated that they have deemed the report as invalid. The FTC advised me to re-download the report using Chrome and re-submit it to CFPB and Equifax.
Consumer complaint received 2023-02-14
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (UT)

XX/XX/23 I tried to cancel my credit card by phone. They kept transferring me to different people all asking for the same information over and over again. I only called to cancel the credit card with a zero dollar balance.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

Mortgage company stole my insurance money. 

We've been dealing with this since XX/XX/XXXX. Have already demanded and completed the post-loss inspection and submitted XXXX and other internal documents. They requested an inspection ( completed XX/XX/XXXX ). 

They still have refused to sign or endorse check, even though their own completed inspection report says that the mortgage company will place no liens or holds against the property. The money is my property. They know this and are intentionally refusing their endorsement and will soon make the insurance proceeds useless. My check is set to void XX/XX/XXXX and still there is no definite timeline of when, or if they will allow, the check to be deposited. If that happens i've lXXXX XXXX XXXX XXXX XXXX XXXX directly by the company 's actions even AFTER complying with their contracts and terms and we'll be left with no options. 

The mortgage company has decided to keep my money they have no legal or contractual right to, and we are concerned that the check will void before they ever do.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The account was opened on XX/XX/2019 and on XX/XX/XXXX they closed the account. the original loan amount was for XXXX they say I have a balance of XXXX I told them over and over the I wanted to return the car to get something different. The car salesman at the XXXX Dealership in XXXX NC forced me to keep the car and said they could not take it back. I left the car at my house parked and told them to come get it. The car would barely pull up a hill it made awful noises. They sold the car in an auction and I received a letter saying it was only valued at XXXX. I have asked for them to work something out and they will not. I just want this off my credit report
Consumer complaint received 2019-12-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have submitted 4 certified letters to XXXX, Equifax, and XXXX Credit Bureaus. The letters I submitted disputed the creditor of XXXX XXXX closed account as a charge-off. I have requested to have my signed application as verification of debt, yet each credit bureau has yet to produce the documentation nor delete the creditor from my credit report.
Consumer complaint received 2023-02-02
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. (FL)

As a Consumer with rights to privacy, I have constantly asked Equifax to stop reporting items on my credit report without my written consent, or a correct method of validation being I DO NOT CONSENT TO THE E-OSCAR method of verification. I requested to see my original signature, with original ledgers, including debt validations which I never received I have also informed them numerous of times that they were in violation of my rights as a consumer to privacy under 15 USC 1681, 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section2 also states that a consumer reporting agency can not furnish any account without my written wet signature, they are also in violations of XXXX misleading, false reporting Invalidated/unauthorized inquiry Results of the Equifax data breach
Consumer complaint received 2023-01-19
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-19
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NJ)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ) XXXX 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 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 2019-07-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (FL)

I XXXX XXXX is an customer with the XXXX XXXX XXXX with dr XXXX. The loan officer XXXX XXXX stated I can go under contract while I am in the club. XXXX stated that the Florida bond and the 10000 that dr XXXX closing that I would have nothing due at closing. After I signed the contract and paid 150 of my binders fee with the sale agent XXXX XXXX on XX/XX/XXXX, XXXX stated that it will be 4000 due at closing. I have told XXXX several times that I have no money for closing and that is why I applied for the FL bond. I feel that I was told what I needed to hear just to sign the contract. XXXX XXXX has ignored several texts and calls regarding me getting my binder fee refunded due to me not being approved of what the loan officer XXXX XXXX stated
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

I noticed a debt pop up on my credit report XX/XX/XXXX that didnt belong to me. I called the debt collector and they told me that this is a debt from XXXX about a medical debt. This debt if not mine.