davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (NY)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following XXXX accounts that need to be removed are XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (GA)

On or around XX/XX/2021, I disputed inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and XXXX ( XX/XX/2021 ) with Equifax to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. Equifax failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. Equifax failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that Equifax allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it XXXX concern, My name is XXXX XXXX. Hope all is well. On XX/XX/2023, I have made a transaction to bank in XXXX ( XXXX XXXX ). As soon as I realized that I made a mistake in the transaction I recalled a wire back. It all happened within XXXX hours. I went to Bank of America XXXX in New York and the manager recalled the wire promising that the money will be back to my account within a week. The recalled amount is EUR XXXX. Since that time I didn't receive any money back to my account. Bank of America is telling me that the last time they have been in contact with XXXX XXXX in XXXX, 2023 when they said that the money have been sent back to my account. I have been calling to my bank couple times per month but they still telling me that I have to wait because they have no response from the other bank. please I will really appreciate if you can help me with my case because I don't know where my money is. My case number at Bank of America is XXXX. 
Thank you
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OH)

Disclosure rights Unauthorized Disclosure, is the communication or physical transfer of classified information or controlled unclassified information, to an unauthorized recipient. ( 15USC 6802opt out ) 16 ( CFR 313.7-433.2 433.3
Consumer complaint received 2022-05-23
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. (TX)

On XXXX XXXX, 2022, an unknown charge of {$270.00} appeared on my credit card statement. This was for a merchant called XXXX On XX/XX/2022 I started a dispute with Citi regarding this charge as it was unfamiliar to me and was immediately credited the {$270.00} while the dispute was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} charge, however, this time Citi flagged the charge as fraud and they sent me a new credit card. I thought I was done with these fraudulent charges, however, it appears that Citi has reversed their decision on the {$270.00} and now the charge appears in my statement again.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (PA)

Upon reviewing my XXXX and XXXX Credit reports, there are XXXX XXXX accounts that have been placed Debt Recovery Solutions for collection. Both of these accounts have an open date of XXXX XXXX, 2014, XXXX with a balance of {$1300.00} and the other with a reporting balance of {$780.00}. These accounts I am unaware of and they do not belong to me. Im also uncertain of how XXXX extremely high balanced accounts can be opened on the same day? I never signed or authorized any services from XXXX.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent 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 XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX 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 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

I been trying to get my funds going on XXXX weeks now from my school bank first I order an new card to try to access my virtual card didnt work because they said I had to put the previous pin I used which I forgot they didnt help on that saying thats a security problem and they cant do nothing about that now today the card I was waiting for they sent to the wrong place no they charging me again to buy a new replacement card to come to the right address that I put the first time
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I've submitted a fraud claim with Schwab about a company withholding my funds. I had used my schwabb account and debit card to deposit funds into an application known as XXXX XXXX. When I went to withdraw these funds from the app they were being withheld and then my account was removed from the app and essentially the existence of my account with the application completely disappeared. I reached out to customer support for the app and they were of no help and would not reach back to me about this issue so I submitted a claim with schwabb about every deposit I made to that application using my account information or debit card information and put a stop payment as well. Schwabb for weeks has not reached out to me about this fraud claim, has done absolutely nothing to recover my funds, and has not given me any updates after repeatedly reaching out. I have not even received temporary funds for the time of the investigation either. They are not holding up their part of the agreement to protect consumers from fraud and letting it run rampant.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (VA)

Back in 2021, I was a patient at XXXX XXXX in XXXX. I recently received information on my credit report stating that I owe XXXX bills to an " Online Information Services, '' ( OIS ) that is currently in collection. Upon reaching out to the company I was told that I owe {$1300.00} and {$510.00}, for services rendered on XX/XX/XXXX and XXXX. I have spoken with XXXX and discovered that I have a {$0.00} balance for all services rendered on those days and also that no department reports to using OIS for collection services. I informed OIS of this and have been treated rudely as well as given a run around rather than having a solution presented. I am reporting them as I did not see them as members of the XXXX, or mentioned by any of the hospital billing departments as a functioning agency. OIS claims that the hospital needs to contact their Customer Service Department, of which OIS can not provide the phone number or web/email address for. Also I was given the number of XXXX for an employee named XXXX, but upon calling the voicemail registers a XXXX as the owner of the phone number and no information pertaining to the OIS Company. There was an even an agent of the company who decided to yell and speak disrespectfully to an agent I had on the line representing XXXX. According to them they are waiting for a Validation request from the customer service department, which has to be sent to INOVA and then back to OIS, which will then be sent to me via mail, and they can't speak to the Customer Service Department to settle this dispute any other way. I want them investigated for fraud, Identy thieft, and off my credit report.

Information for OIS Name : Online Information Services , Inc . 
Number : XXXX, XXXX, XXXX Website : XXXX Address : XXXX XXXX XXXX XXXX, NC, XXXX Names of Representatives : XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2018-09-26
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. (GA)

Equifax Credit Reporting agency continue to Report XXXX XXXX XXXX-STATUS as a CHARGE OFF.

XXXX XXXX ACCT # XXXX This Account was PAID IN FULL in the Magistrate Court in XXXX County in XX/XX/2015 with the Collection Agency XXXX XXXX. I even reached back to XXXX XXXX XXXX on last month, and asked for a PAID IN FULL LETTER. I have Disputed on Several Occassions concerning the STATUS REPORTING as a CHARGE OFF. Yet Equifax continue to respond to me about the BALANCE REPORTING XXXX. How can this Account Report XXXX  BALANCE and STAUS as CHARGE OFF at the same time? I have attached proof that is is Reporting XXXX  Balance and with a Negative Charge Off Status.

Equifax has the FULL Understanding that anything that REPORTS AS A CHARGE OFF Severly Deminishes your CREDIT SCORE.

I have worked deligently to Improve my Credit because I whole heartedly believe in Credit Worthiness.
Consumer complaint received 2018-09-26
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: Fairway Independent Mortgage Corporation (GA)

I did not apply for any mortgage online. I have disputed this with XXXX XXXX and Fairway independent twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-26
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. (GA)

XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like this?
Consumer complaint received 2022-05-23
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. (TN)

FCRA violations : inquires not mine XXXX XXXX Inquired  on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single XXXX XXXX XXXX XXXX  XXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX  XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MS)

This Complaint is regarding the United State District Court Judge XXXX XXXX XXXX. On XX/XX/2015 the above Judge ordered saying that the Defendant [ Green Tree Servicing / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX [ Attorney General office of the State of Mississippi ] has attempted to resolve this dispute without court action the Attorney General XXXX XXXX never tried to resolve this, never tried to show good cause and has been illegal day XXXX. It has been [ NO ] federal court cases regarding this illegal Corp. in the State of Mississippi. Now we have an illegal Federal Judge XXXX forgetting the People that was hurt by this corp .My address [ was and is ] XXXX XXXX XXXX XXXX , Mississippi .This corp. and its illegal Lawyers deals in the Mississippi Courts illegally, Sends illegal papers of foreclose of properties all day long, Never have an Judges order never. But that illegally transfers Deeds from State to State wrongfully and Federal Judge XXXX XXXX XXXX ca n't read that! NOT even the illegal Federal Lawyers can, t read this [ WHY? Who Got Paid Off? ] This federal case cost the people XXXX dollars for what?
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
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: DISCOVER BANK (WV)

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Consumer complaint received 2022-05-23
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)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXX XXXX  XXXX, Account # XXXX from 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.
Consumer complaint received 2022-05-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXX XXXX XXXX, Account # XXXX from XXXX XXXXL, Account # XXXX from XXXX DEPARTMENT STORE, Account # XXXX from XXXX XXXX XXXX, Account # XXXX from XXXXXXXX XXXX XXXXXXXX, Account # XXXX from 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.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

My loan is with Loan Depot.XXXX weeks ago I spoke with representative XXXX XXXX and I thought that this was all taken care of. I made XXXX payments of XXXX on XX/XX/21 because the payment ( XXXX ) couldn't be found as they errored somehow. The account # XXXX which appears on my billing and the phone contact number XXXX sends me to XXXXLoan Depot should have corrected these errors. To make matters worse I am being billed XXXX which includes XXXX which after talking with Representative XXXX XXXX should not be appearing on my account as I never paid late.