davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
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: ID Analytics, Inc. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-14
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2020-01-14
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. (FL)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (DC)

Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported sinceXX/XX/2014 XXXX
Consumer complaint received 2023-12-30
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. (NC)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXXriginal Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX  Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  Balance Owed : {$280.00} XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to XXXX for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within XXXX  days. 
Conduct a thorough investigation into the unauthorized charges.

Temporarily suspend any further collection activities related to these charges during the investigation.

Provide me with written updates on the progress of the investigation.

Provide a final written resolution of this dispute within XXXX days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is holding my deposit. They gave me a scheduled release of funds and have made none available to me on the specified dates. After giving me a scheduled release of funds the bank then put an extended hold on all of my funds not releasing any of the money for 9 days. Legally they according to Regulation CC they are required to release {$5500.00} of the funds to me and hold the remaining until their required date.
Consumer complaint received 2022-12-27
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. (NY)

I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

To all XXXX XXXX publishers and providers of FRAUDULENT INFORMATION. EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF EBER RECEIVIMG PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX Date ASSIGNED XX/XX/ Original Amount Owed {$8.00} I asked for a validation of debt letter with my signature showing I have a contract with the company.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (LA)

I am writing to file a complaint against Volkswagen Credit for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in regard to the reporting of my account as 30 days past due for the month of XX/XX/XXXX. As evidenced by the attached document, I paid off my vehicle in full on XX/XX/XXXX. Despite this, my account was not updated to reflect a XXXX balance and a paid-off status. On XX/XX/XXXX, I was falsely reported as 30 days past due, which is clearly impossible given the aforementioned payment information. 

As a result of this inaccurate reporting, I have suffered damages to my credit report and mental distress. I request that Volkswagen Credit rectify this situation by immediately removing any late payment reporting and taking appropriate measures to ensure compliance with the FCRA and FDCPA in the future.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

XXXX issued my refund for hardware on XX/XX/XXXX. I reached out to PNC Bank to try to confirm the money was received or the transaction was declined. After being transferred a few times I spoke to a bank representative that confirmed the transaction was declined but couldnt provide anything further. It is now XX/XX/XXXX and XXXX refuses to reissue the funds. I called PNC bank and they said they refused the funds and sent them back. However, PNC refuses to gove me any proof of the transaction even though I have a ARN number provided by XXXX. XXXX refuses to do anything without proof because they said the money was not returned. 

Now Im stuck fighting between two billion dollar companies for what is to them a measly {$130.00}. I need proof the funds were returned back to XXXX. Seems like a simple request.
Consumer complaint received 2020-01-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
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 ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I contacted Wells Fargo ( WF ) requesting a forebearance of 2-3 months on my XXXX XXXX backed mortgage due to financial hardship. They declined my requesting stating there are no programs available to me other than a remodification. This contradicted the information I first received from XXXX at WF before she transferred me to XXXX at WF. Is forebearance still an option for a federally backed mortgage?
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (IL)

I get a lot of credit card offers from different companies, saying that Ive been preapproved, or invited to apply. They tell you all about their disclosures, rates terms etc. but what they dont tell you is whether you will be considered if you have a bankruptcy on your record. I think it should be their responsibility to tell you, that if you are applying and have a bankruptcy on your record you will not be considered For credit. Im trying to rebuild my credit after a bankruptcy and Ive had a couple cards declined me, because of the bankruptcy. But it damages my credit with inquiries, that I wouldnt normally have had had I known this in advance.
Consumer complaint received 2020-01-14
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. (PA)

I have completed every step on the FTC 's website for the Recovery Steps for Identity Theft Victim of which I am but still TransUnion does not follow federal guidelines! applicable to deployed soldiers & victims of identity theft. which is, once the paperwork with cover letter asking the company to remove the derogatory accounts because they were NOT USED BY ME. I called TransUnion again today, Tuesday, XX/XX/XXXX ( I have been working on this since XX/XX/XXXX ) asking to remove derogatory from my report! 
The companies, although they know it was not me making the purchases must be asked if they will permit being removed (? ) from the derogatory on my report.?! I was not asked if I wanted to be a victim ... & I already disputed the companies over ten ( 10 ) times!?
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax are still reporting inaccuracies with creditor XXXX XXXX specifically the payment history which is negatively impacting my score! 

Per Equifax I can file a dispute online for inaccurate information. On XX/XX/XXXX I filed the dispute labeling inaccuracies In less than one day Equifax returned a status with no action on the XXXX XXXXXXXX XXXX and instead updated the delinquency date to XX/XX/XXXX and lowered my credit score XXXX! This makes it appear as if I have a recent delinquency when this account was discharged XX/XX/XXXX through Bankruptcy Per my complaint from XX/XX/XXXX see complaint number XXXX XXXX XXXX  admitted to a delay in processing my Bankruptcy XXXX XXXX XXXX yet still reports delinquencies of charge off statuses on my account which is inaccurate the account never went charged off as I filed BK XXXX before they went PAST DUE. You cant charge off a BK AS IT IS DISCHARGED. Per my rights to Fair Federal Credit Reporting, if unable to verify and update correctly this should be deleted they have not verified this and have since updated my report which lowered my credit score tremendously on XXXX/XXXX/XXXX I demand they remove this from my report immediately or update the accurate information information
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NV)

I have been trying to refinance my mortgage with XXXX/PHH mortgage. I had been trying to get a payoff amount for my loan since approximately XXXX. They would not release the information despite numerous phone calls. They knew I had a deadline which was the end of XXXX, to finish this transaction. They release the payoff amount in a letter XX/XX/XXXX .... which was a price that was supposed to be good thru middle of XXXX. However, they then turn around on the second of XXXX and report my mortgage as being delinquent because they didnt receive XXXX payment. Now my refi is halted because they are showing delinquent payments. Ive never been delinquent previously and the only reason for this being late, was their refusal to give me a payoff amount. Now they wont return my calls to get this problem corrected.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, someone had actually stolen my identity, logged into my personal accounts from CHASE and transferred $ XXXX from all of my monies to a joint account, transferred it out to a personal account and into an external account. 

I have reached out to chase to reverse this, but they said that they can not reverse it. 

I have filed with the XXXX Police Department and the claim number XXXX I have four claims to dispute this account with Chase, but one of the claims denied me in reversing this is XXXX. 

Please help me.
Consumer complaint received 2020-01-14
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. (NJ)

I applied for home equity loan. When they run my credit they found charge off on my report from Experian. But I dont have any charge off so I tried to reach Experian but I guess that the only company in whole united state dont have any customer service. Spent over 13 hours to reach them from last 3 days. All automatic and robotic person. Never get connected with any human. After they provide the instructions they disconnect. Even though I try to open membership with them same thing happen. My question is that, they dont have right to put incorrect information in my report while other two dont have any. And why they dont have human customer service where me or people like me they put in situation can solve the problem. What are they think our or my time dont have value. That I spend 14 hours just to reach some one to fix the problem when they put wrong information in my file. And I believe its not only me thousand and thousands people have same problem with them. They should operate their business at all when they cant provide service. Appropriate authority either take action on them or shut down their service forever that way people like dont have to go thru unnecessary hassle and spend 13 hours. My humble request to authority to take necessary action please.
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX