davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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. (WA)

I was called by XXXX XXXX Fraud department warning of a new card application in my name ( with name, date of birth, an social ). They recommended calling XXXX, XXXX, and Experian to dispute new inquiries and implement account freezes. I had a horrible time with Experian on the phone. Someone had fraudulently opened an account with my information on Experian.com using their own email address. Unbelievably even after answering countless security questions Experian representatives explained " they can't change the registered email address because there have been too many login attempts, and that I should try again in 72 hours! '' In the meantime, they can not guarantee that whoever opened this online account using a different email address will not be able to log in. Since they were able to create this online account, I'm afraid they have access to my entire credit history including past addresses, phone numbers, and other identifying information. It is completely unacceptable in my mind that Experian gave me the run around on the phone for hours and was not able to change the fraudulent email address on file.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/, the XXXX account that is linked to my bank account was used to send {$60.00} to an unknown receiver without my authority or knowledge. Then, on XX/XX/, a check for {$3000.00} made out to me but signed by a stranger was deposited into my account, and on the same day {$3000.00} was transferred from my bank account to an unknown receiver via XXXX ; again, without my authority or knowledge. On XX/XX/ XXXX  I received notice from my bank that the check for {$3000.00} would not be deposited because it was fraudulent. The check was from the XXXX XXXX XXXX XXXX ( XXXX ), which is an agency in Oklahoma, far from me in Connecticut. I contacted the organization, and they said they had many checks stolen from them. I also contacted the police associated with the XXXX, but they could not help. I also was in contact with the Deputy CFO of the XXXX, who also could not help. I contacted my bank several times via phone call and in-person visits, in XXXX of XXXX  a bank representative told me that they researched the claim and there was nothing they could do because XXXX is a different service from them, and unprotected. On XX/XX/ I wrote them a letter asking to speak to the fraud examiner or claim representative to further discuss this matter. They did not respond. I was XXXX XXXX XXXX and a XXXX XXXX XXXX and {$3000.00} was taken from my college funding. I did nothing wrong and the bank has only ignored or minimized this significant issue. This is a catastrophic concern for me.
Consumer complaint received 2020-09-30
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXXXXXX  # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXXXXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Consumer complaint received 2020-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit has sued me for a credit card debt of {$4500.00}. I have asked them to validate the debt. I have sent multiple letters asking for validation per 1692g of the FDCPA. I have not received a valid response from Midland Credit. 

I have received a response from their lawyers, saying that my request for validation is irrelevant, immaterial, cumbersome confidential, and attorney-client privilege. 

I have been requesting validation of this debt for the past 60 days and am not getting the information needed to verify the debt.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Customer Advocate Service Team has responded to my 1st CFPB Compliant # XXXX. The response provided by American Express Advocate Team did not address the issue nor provided any evidence to support their claim. I did provide Police Report, FTC Report and identification as requested ( multiple times ). 

Amex went on to claim as below - On XXXX XXXX we received the application for the American Express XXXX XXXX. On XX/XX/2022, we received the application for the XXXX XXXX XXXX American Express Card. These applications were approved and provided with your information on them. 

As requested American Express has failed to provide any evidence as of till date that I benefitted from the XXXX fraudulent accounts that Amex claims belonged to me. I AM STILL WAITING FOR EVIDENCE ON CARDS # XXXX AND XXXX. 

I have followed with Amex by over XXXX phone calls, unfortunate that Amex claims XXXX could not find the calls. I will wait the final outcome. Unfortunate that CFPB complaints are being closed without proper investigation nor responce as requested.
Consumer complaint received 2023-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

We were notified that our mortgage servicing company was no longer going to be XXXX, and instead was going to be Mr. Cooper the end of XXXX. XXXX transferred the amount left in our Escrow of {$550.00} on XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, and we received a notice from Mr. Cooper saying that we had a SHORTAGE in our escrow account in the amount of {$570.00}. To which our payment would be going up from {$750.00} to {$810.00}. Of course, on the notice, it states that shortages are likely caused by an increase in taxes and/or insurance. We had no change in either. Upon further inspection of the Escrow Account Activity that they included with this, they were showing our Starting Balance in our Escrow Account as {$0.00}. There was no credit whatsoever for the amount transferred to them by XXXX. 

On XX/XX/XXXX, I reached out to Mr. Cooper to ask how we were short, and why our payment was increasing when there had been no increase to taxes, or insurance. At first the woman tried to state there had been an increase in taxes. I told her that was not true, because I had already contacted our local municipality and verified that our property taxes did not go up. I also told her that it was concerning that they were showing a {$0.00} starting balance on our escrow account activity. I told her that XXXX had sent them the remaining funds in our escrow account in the amount of {$550.00}. She told me she didn't see that. She put me on hold while she had her supervisor look into it. I told her the funds were disbursed to Mr. Cooper on XX/XX/XXXX. After being on hold for a while, she came back on to tell me that her supervisor did " find '' the funds that were transferred in the amount I had told her on the date I had given her. To which I said, " So, there should be no change to our payment then, since we were truly never in the negative? '' Her reply was " Yes, the payment is still going up to the {$810.00} ''. I told her I still wasn't understanding how the payment was going up, when the supposed " shortage '' never existed to begin with. She claimed that this is based on their projected shortages. Again, there shouldn't be a shortage when neither the property taxes nor insurance has increased. 

I have seen other horror stories online regarding this company and their dealings in the past for not crediting payments properly, etc. I am frustrated that their increase to OUR PAYMENT is based off of their INCORRECT math. She did email me a copy where it shows that they did an " escrow correction '' to reflect the {$550.00} received by them from our previous servicing company. However, this is completely unacceptable. If the amount was reflected properly the first time, our payment would've never increased. And my concern is if we pay the increased amount when they can't even record a payment received properly, what are they going to do with the excess? XXXX it? Unacceptable.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (MD)

I saw an unauthorized inquiry from comenity capital bank/bjs wholesale on my report on XX/XX/2020 I never applied for any credit with these companies and I have called them severally
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Ive reached out to this collection company twice to inquire about collection on my credit report. Both times I requested information verifying that with mine because I do not have any memory of going to this location. I also have full medical coverage that would have paid my balance in full had it been mine. I looked in my records and found nothing, Ive never received a bill from this medical office. The first time I spoke with the collection agency they told me they would mail me a letter, the second time I spoke with them and informed him that I did not believe that was mine they hung up on me. I attempted to call back they hung up on me yet again.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX direct CFPB Report against Transunion for Inaccurate Reporting, the information that is being reported is a result of identity theft. Please refer to earlier complaints against Transunion. 

XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Transunion not only failed to remove/permanently block the inaccurate information from my credit report, but provided responses to CFPB earlier complaints that the inaccurate information is removed or not showing on the credit report. Please refer to the latest copy of the credit report from Transunion attached to this compliant, the inaccurate information is still being reported by Transunion. Apart from XXXX requests through CFPB, several requests by certified mail and phone calls were also made to Transunion, but still Transunion continue to violate FCRA Laws by reporting inaccurate information. 

I am reattaching the following documents XXXX. Police Report XXXX. FTC Report XXXX. Latest Transunion Credit Report - showing inaccurate information XXXX. Copy of my Drivers License XXXX. Copy of my Utility Bill This is the last request to Transunion to remove/permanently block the inaccurate information from my credit report and provide me with a copy of my credit report. Orelse I will forced to proceed with legal lawsuit against Transunion and also file complaints with other State and Federal Authorities. Hope this would not be necessary.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I didnt apply for credit with any of these companies XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-09-30
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)

MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  XXXX of XXXX. Also Receive a email from XXXX  today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling XXXX  i have a list of account that was open and use without my consent i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IF XXXX  Failed To Remove These Accounts or Do A Proper Investigation Into This Matter By Providing Proof Of Verification Such As Contracts Sign Ducs, and Proof Of Id Ill Be Seeking Legal Assistance To Press Charges!
Consumer complaint received 2023-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 XXXX  2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Assistance Inc (NV)

I had a contract for an auto loan with a co buyer the co buyer went chapter XXXX to pay off car loan. this was a two party contract with buyer and co buyer. On XX/XX/2020 Financial Assistance Inc made this an individual account without my knowledge and put it in collections as my sole responsibility in the amount of XXXX I disputed through XXXX who only showed the contract with buyer and co buyer not as an individual account. Does a collection agency have the right to change a contract without the persons approval is this fraud.?
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The mortgage servicing rights of my 30 year conventional loan were recently transferred to PHH Mortgage. When I attempted to make my monthly mortgage payment online PHH tried to charge me a {$7.00} servicing fee. After contacting them on the phone I learned this fee is also applied to over the phone transactions. The only way not to incur a service fee is to pay by mail. This is the only mortgage servicer I have ever done business with who charges fees for online payments.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2023-06-30
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. (OH)

I sent a certified letter to Equifax to dispute fraudulent inquiries on my credit profile. My dispute letter included an FTC report. My dispute letter was ignored by Equifax. I later submitted a complaint with the CFPB on XX/XX/XXXX. Equifax responded to my complaint on XX/XX/XXXX stating that the fraudulent inquiries were deleted from my credit profile including the inquiry from XXXX XXXX. As of today, XX/XX/XXXX all inquiries were deleted except the inquiry from XXXX XXXX. I have contacted Equifax for the past month about the removal of the inquiry as stated in their response to the CFPB, but they have yet to remove it with no further explanation. I have filed numerous disputes and provided an FTC report. Equifax has failed to do what they stated and this has continued to affect my credit report.
Consumer complaint received 2020-09-30
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted  the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-09-30
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. (TX)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.