davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXEmployment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXXXXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

This is in response to the comments submitted by Ditech regarding a previous complaint I filed. There are several discrepancies regarding my modification request. First, the information regarding XXXX XXXX making modification decisions is in correct. I am including the facts from XXXX XXXX in my comments. Second, there is a comment about me having a delinquent water bill that is incorrect because the only accounts including in my mortgage are taxes and insurance premiums. Third, as the servicing agency, Ditech claims it was not award of FHA alternatives to foreclosure including special forbearance and partial claim. I received information from both of these from FHA and contacted Ditech by phone as email regarding these options. The modification process used by Ditech is the most confusing process I have ever experienced. All I wanted after regaining employment was the opportunity to get my mortgage current and it has become a nightmare that may force me into bankruptcy to keep my house. I have continued paying after my 90 day trial and I still received a letter about foreclosing. I sent Ditech 's response to FHA and XXXX XXXX because my situation was not handled right.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a XXXX  balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The S

ettlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim.

Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means.

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My bank america account had fraud done to it in 2016 and Bank of American never resolved the issue. I sent them everything they needed and I cooperated every step of the way and they never resolved the issue because they didn't find any evidence of fraud supposedly. They state that I owe them over {$10000.00} for something I had no control over.
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} EQUIFAXD XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-08-11
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX XXXX & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. XXXX  confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY XXXX. AGAIN I ASK FOR ACCESS XXXX ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY XXXX PERSONS MATTER!!!!
Consumer complaint received 2023-05-28
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. (PA)

In accordance with the Fair Credit Reporting Act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681a 2 ( A ) ( i ) : excludes information that is solely based on transactions or experiences between the consumer and the creditor.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

This dispute is against XXXX XXXX. The account was opened XXXX XX/XX/2015 in the amount of {$2300.00}. 

I am a victim of fraudulent activity. In XXXX, I went to purchase the XXXX XXXX XXXX pendant. I never received the item and recently discovered the company targeted XXXX XXXX  with this promotion. I never received the item in which I am being penalized for. I attempted to contact XXXX XXXX. They have since been shut down due to identity theft and fraudulent activity following an investigation regarding matters the same as the one I am currently reporting. I contacted the debt collection agency and they referred me to a liaison from XXXX XXXX. The mailbox for said liaison is full and I have not been able to get in touch with them.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

I ran my credit report in XXXX and noticed a charge off account I did not open. I called the number on the report and was told it was a PayPal credit card. The woman on the line could not find an account for me so I disputed the charge with the three credit bureaus. The dispute came back with the bank saying it was valid. I called Synchrony Bank and discovered they had opened a credit card account in on XX/XX/XXXX using a name I have not had since XXXX and an address I have not lived in since XXXX. They refused to take my fraud complaint unless I gave them my new name and correct address to allow them to correct the information on the fraud account. I asked them to please close the fraud account and tell me how it was opened. They refused. I asked to have it escalated to a manager she refused to note the account as a fraudulent account. I asked to be escalated again and they hung up on me. I am not able to refinance my mortgage because they continue to report this account as past due every month with a balance that is increasing by {$2.00} each month. The account was opened with a {$1500.00} limit and now reporting a past due balance of {$40.00} due to some time of $ 2 monthly charge. I have never received a credit card and believe they must have opened a card in my former last name and sent to the address where I used to live. I never requested this card.
Consumer complaint received 2020-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Allied Servicing Corporation (CT)

I am currently under a modification with Allied Servicing Co. I have attached a copy of the modification agreement, which I clearly signed under desperation in order to avoid being homeless. It is important to note that this agreement was only reach through forced foreclosure court proceedings as Allied Servicing refused to work with me initially.

Part of the agreement was for me to be able to refinance my 1st and 2nd mortgage prior to XX/XX/2020, which I was unable to do within the year due to my credit score. Then, Covid happened. The agreement states that unless I refinance before XX/XX/2020, I will have to pay the full amount owed ( approximately $ XXXXXXXX  ). I obviously do not have $ XXXX to pay out in a lump sum. 

I did not have any issues with my first mortgage company ( XXXX XXXX ) granting me a deferment for my mortgage payments nor with any of my other creditor. Once again, Allied Servicing is refusing to work with me and are demanding that I show proof of denial for refinance from three different lenders. As we all know, not all applications with mortgage lenders are subject to soft inquires, so I have had hits on my credit as a result of applying. 

This is not the first time Allied Servicing Co. has refused to work with me without forcing me into legal proceedings. Such legal proceedings have clearly added to my debt as they have unreasonably tagged on legal fees as well as other fees. I don't understand how forcing anyone into additional legal proceedings which lead to unreasonable fees is helpful to someone struggling with finances. 

I clearly do not have $ XXXX to pay off this second mortgage with Allied Servicing Co. by next month. I do not have any other means of income other than my employment. I am not asking for a deferment. I am simply asking for an extension of my modification for at least 6 more months so that I can refinance accordingly. My payments have been on time as per the agreement. 

I find the request of Allied Servicing Co. to be unreasonable and discriminatory, especially during this difficult time. Looking at my history with Allied Servicing Co., I believe their actions are due to the fact that I am am a woman of XX/XX/XXXX. 

I have attached relevant documentation for your review. Thank you for your attention to this matter.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (MS)

IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax had a data breach and I was one of the victims. 
So I have had all my accounts with them show delinquent which is incorrect. 
None of my accounts are delinquent and all have been paid to a XXXX balance. So all of my accounts needed to be corrected and show no late paymets as well as no balance is due on any of my accounts. All my accounts have a ZERO balance. 

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made. 

If you are a XXXX XXXX, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

The Settlement is now effective. If you you requested a cash benefit during the Initial Claims Period, the amount you receive may be significantly reduced depending on how many valid claims are submitted by other class members. Based on the number of potentially valid claims that have been submitted to date, payments for time spent and alternative compensation of up to {$120.00} likely will be substantially lowered and will be distributed on a proportional basis if the Settlement becomes effective. Depending on the number of valid claims filed, the amount you receive may be a small percentage of your initial claim. 



Extended Claims Period Claims If you were impacted by the Equifax data breach, you may seek reimbursement for valid Out-of-Pocket losses or Time Spent ( excluding losses of money and time associated with freezing or unfreezing credit reports or purchasing credit monitoring or identity theft protection ) incurred during the Extended Claims Period if you have not received reimbursement for the claimed loss through other means. 

To be eligible, your claim for Out-of-Pocket Losses or Time Spent must occur between XX/XX/XXXX and XX/XX/XXXX ( the Extended Claims Period ).
Consumer complaint received 2020-08-11
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. (NJ)

I made a purchase of a hotel stay in XXXX for XXXX a total of {$10000.00} ( {$4800.00} on XXXX and {$6000.00} on XX/XX/20 ). I cancelled the reservation with them on XX/XX/XXXX agreeing to a {$2000.00}, cancellation fee. Subsequently, I got a notice from the vendor that they were not returning anyone 's money so i disputed the charges. The vendor acknowledged that I was owed $ {$2800.00} ( {$4800.00} payment less the cancellation fee ) for the other charge. 

However, the vendor initially denied my claim on the {$6000.00} saying it was cancelled due to XXXX government shutdown. Chase closed the claim without asking me on XX/XX/XXXX so i immediately appealed and sent them on XX/XX/XXXX the email showing the vendor agreed to cancel before the shutdown and as such, I am due my money. I have followed up with Chase many times since then each time being told I had a valid claim that they would fix and to call back in a few weeks if I didn't see the correction. On a few occasions, the supervisors indicated that they didn't know why the claim was incorrectly handled. 

On XX/XX/XXXX, they sent a request for additional information. I submitted it online on XX/XX/XXXX. On XX/XX/XXXX, they denied the claim and when I called they said it was because the charge was to old. I have tried everything in my power to get them to fix the situation but Chase has delayed and now wants me to suffer because of their mistakes. Please help me get my {$6000.00} back.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (NJ)

My husband has been unemployed since XXXX due to COVID-19. Our lender, Kondaur Capital Corp, gave us a 3 month forbearance. They are refusing to extend our forbearance even though my  husband is out of work due to the pandemic.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I paid off my mortgage with Suntrust Bank. They were supposed to sent me the remaining Escrow amount of {$14000.00} via regular US postal mail. They told me that the check was sent in the email on XX/XX/2020, but no check was received by me. 

I requested to stop payment and reissue the check but they refused to do it before 30-day after the first mailing of the check. They didn't even want to put a stop payment to avoid possible fraud. They insist on sending the replacement check by same method i.e. regular US postal mail and can't guarantee the delivery or any fraudulent use of  the mailed check. They refused to direct deposit it in an account with Suntrust from which they were taking mortgage payments automatically and the payoff funds were wired to them.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

This company reported through two different credit bureau 's on XX/XX/2020 that I owed {$190.00}. 
I.C. SYSTEM, INC ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX MN XXXX I called them on XX/XX/XXXX to try and figure out who I owed as they are a collection agency. I took several calls to try and understand if it was my debt and finally figured out it was and I paid off the debt over the phone via check. 

XX/XX/2020 ORIG CO NAME : I.C. SYSTEM ORIG ID : XXXX XXXX DATE:XXXX20 CO ENTRY DESCR : XXXX XXXX XXXX : TEL TRACE # XXXX XXXX XXXX ID:XXXX XXXX NAME : XXXX ACH debit {$190.00} This collection agency went back and put another report on XX/XX/2020 XXXX  and XXXX XXXX that it is still not paid. I called them and they said that I needed to dispute the charges with the credit bureaus.