davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
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)

I been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : XXXX XXXX XXXX XXXX BALANCE {$410.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Account number XXXX Date opened XX/XX/XXXX2018 2018
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

After sending in several dispute letters via USPS certified mail to Equifax, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to Equifax in the past. All these documents have been sent directly to Equifax in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how Equifax is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Consumer complaint received 2021-06-30
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. (TN)

The Original Creditors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX already sent the Credit Reporting Bureaus letters requesting for the deletion of my XXXX XXXX XXXX XXXX and XXXX XXXX IN XXXX account which XXXX and XXXX grant the request and remove the account. I tried to call XXXX XXXX XXXX XXXX XXXX and they said that to call Equifax about it. I also called XXXX XXXX XXXX and they said that the deletion request has been sent on XX/XX/2021. I called Equifax and the person that I talked with said that they did receive deletion request letters and wait for the next billing cycle. I received a letter from Equifax dated XX/XX/2021, that states that they have verified the account and updated the fields. I don't understand why are they doing this to me. The deletion requests had been received but they won't remove the accounts when XXXX  and XXXX  removed the account upon the creditor 's request. 

Attached is the letter from XXXX XXXX, a Letter from Equifax, and Screenshots of my credit report.
Consumer complaint received 2024-03-15
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

On XXXX XXXX I applied online to refinance my house. I received a call from Amerisave who advised me that as long as my credit score was above XXXX that the could refinance my home for a lower interest rate then I was paying. All I had to pay was the {$500.00} application fee which we did and they then ran my credit report and said I was approved for a 3.5 percent rate. I then started to receive emails from them everyday sometimes 3 and 4 times a day asking me and my fiance to send them w2s, paystubs, proof of insurance which we had to raise an extra XXXX XXXX to cover the {$100000.00} we were approved for this went on for over 30 days, Amerisave asking for the same thing we already sent multiple times before but we kept sending it to them. On day 48 Amerisave said that closing would be on Saturday XX/XX/XXXX this was on Friday XX/XX/XXXX Amerisave said my job said I resigned on the 15 which I did and started a new job on the XXXX making XXXX dollars more per an hour. Amerisave said they would have to verify my name employment which they did, they called my new boss XXXX XXXX which they did and he sent Amerisave what they wanted right then taking time to help me out. Then Amerisave wanted a pay stub which was sent when I picked my check up on Monday XX/XX/XXXX. So Amerisave canceled the closing and said they would call me on Monday XX/XX/XXXX. Which they never did. Amerisave has sent me over 70 emails before this closing date and now I can't get an answer from them because as of now Amerisave is saying I'm making less at my new job when I'm making more. I strongly feel Amerisave tells people what they want to hear and then takes the {$500.00} application fee and then strings them along until people can't take it anymore and just want out and then Amerisave keeps the {$500.00} with no intention of ever giving their customers the loan
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX {$7300.00}
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My payment history on my mortgage is incorrect. My payments started XX/XX/2021, not XX/XX/2021. It needs to be corrected and reflective as 4 payments have been made to the account.
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NC)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
A debt collector may not engage in any conduct the natural consequence of which is to harass, XXXX or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Midland Credit Management stated that they were trying to keep this account out of the hands of the lawyers. I received that as a threat against my reputation, in violation of 15USC 1692 ( d ) 1 The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Fraudulent accounts were open or attempted to be opened on two occasions : -Opened on XX/XX/XXXX and closed in XXXX. 
-Attempted to be opened XX/XX/XXXX, no response from the bank once I reported this was a fraudulent attempt
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kimball, Tirey & St. John LLP (CA)

This entity was able to seize my bank account funds and hold my deposit box for no right reason. I was accused by this entity that I owe them money since XXXX, they failed to inform me about any of the process to see them in court as they claims. They took over {$3000.00} from my bank account and ruined my credit report. They claim they represent a fraudulent management company XXXX whom told me to leave their property without harm as they failed to provide safe and livable place for my family to stay as the roof fall on us and left us with no walls for 2 months and we have email from the superiors that we have all rights to move out and both parties will be even with no harm to Sue them neither them claim anything against me and my family. On XXXX found this entity seized my bank account and my wages without any proper way of notification.
Consumer complaint received 2020-07-12
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MA)

For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX  verifies account. CLOSED STATUS AND DATES ARE IGNORED.. 
Some of these accounts were closed by me, have a XXXX  balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future. 
1. TJ Maxx/syncb Opened:XXXX, closed by me, with a XXXX  balance XX/XX/XXXX. Eight years since I closed it. 
2. XXXX XXXX XXXX Closed by me, in XXXX, 9 years ago, with XXXX balance. 
3. The same situation for XXXX XXXX XXXX XXXX XXXX. 
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago. 
5. XXXX XXXX XXXX, opened and never used. Forgot I had it. Closed account due to inactivity. 
6.XXXX XXXX  Over 7 years. Closed and paid in full. 
. 
THIS ACCT NO. APPEARS TWICE on some reports. 
7. XXXX  XXXX Charged off, written off and now reports past due. Seven year deadline has past on this Account. 
8. XXXX XXXX : Cllosed. 
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in XXXX separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping. 

The list goes on and XXXX  fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : XXXX, XXXX, etc., and can not help. 

9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple XXXX XXXX cards, and XXXX XXXX cards fall. Count II : over seven years. 

10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late. 
XXXX  XXXX : over 7 years of Reporting. 

Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX  and XXXX. 

XXXX  is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this. 
I can't build credit because of this. Damages are accruing. 
Please review and require immediate correction.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (LA)

I had a checkr background check ran for a job at XXXX. My motor vehicle report came back with the wrong info on my drivers liscense being suspended but it has been re-instated and im no longer able to get into my XXXX checkr background check. They emailed my manager to tell me to file a dispute but i can no longer access the background check. I dont know what else to do.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a charge on my credit card for a large amount of money back in XX/XX/2020. It was for {$4400.00}. I and my husband are the only authorized users of the card and neither of us made this charge/purchase. My husband very rarely uses the card.The only info attached to this charge was that It was to a XXXX account with a very strange name and a phone number in CA.I don't even have a XXXX account and nor does my husband. I filed a fraud claim with the credit card company. They denied the claim. I then filed a police report on the fraudulent charge and appealed to the credit card company and after 2 months they denied my claim again saying that even though i did not personally make the charges they confirmed that an authorized user of the card had. They gave me no information on how they " confirmed '' this. They didn't even tell me who the merchant was. No one was given permission to use my card for this charge. I absolutely do not want to be responsible for this charge.
Consumer complaint received 2020-07-11
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Vitek Real Estate Industries Group, Inc. (CA)

My brother and I are beneficiaries of a family trust set up by our father and step-mother. Our father passed away in XX/XX/XXXX. After his death, our step-mother named us as beneficiaries, however, she was lacking in XXXX XXXX. She was the sole trustee of the trust and had adequate income to sustain herself at the time of our father 's death. In early XXXX she had the front and backyard of the residence ( also named in the trust ), re-landscaped at a cost of around about $ 40k or more. She did not notify us and we believe her neighbors suggested she do this. She took out a loan on top of the current mortgage loan to pay for the landscaping, even though she has a life insurance payout. Later that year, her neighbor, who is a realtor, apparently suggested she put the house into a reverse mortgage. Neither my brother, ( who is also the Successor Trustee and DPOA of the Trust ), or myself, were notified of this transaction. We were in constant contact with our step-mother, however, she was declining cognitively and did not understand what she had done. Her neighbors were always interfering and not helping us help her. They contracted with a caregiving agency without our approval, at a cost that was completely out of line as well and had access to her bank accounts. Our step-mother has been in declining health and passed away in XX/XX/XXXX. The house was also sold in the early part of that month. We agreed to cover the entire pay-off amount to the reverse mortgage company at the time of the sale, but are disputing the entire amount because there were significant over-charges. The entire situation has been a nightmare. We believe that our step-mother was taken advantage of and that she was a victim of financial elder abuse. Our potential inheritance was severely impacted and we are now seeking restitution.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Between the months of XX/XX/XXXX and XXXX of XXXX, my identity was stolen which resulted in fraudulent activity to occur. My personal information was compromised after my laptop was stolen which included my bank account information with Truist Bank formerly known as Suntrust bank. An unauthorized transaction was made, which resulted in an overdraft of my account. The account has gone into collections with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I have made several attempts to get this incident resolved.
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (GA)

Checking my credit report bc I have been working on repairing my credit I noticed that the same accounts that I turned into XXXX XXXX XXXX XXXX to be paid is still on my report as collections. I have alerted the XXXX different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I pay XXXX XXXX every XXXX weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying XXXX XXXX and then paying the collections companies too and they clearly have these accounts.
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Loan Number : XXXX XXXX XXXX XXXX / Cashcall Mortgage From : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX Regarding : XX/XX/XXXX payment did not get applied. The payment was made and is shown as as funds received, but not applied to the balance, nor escrow. I have contacted the servicer a couple of times and received no response. The servicer transferred my loan to another/different servicer starting in XXXX and they also have no record of my {$1400.00} payment from XXXX. 

Please help me received a refund check in the amount of paid and not applied to the loan, {$1400.00} last month. 

Where can I send supporting documents? 
Supporting attachments : Monthly statements from XX/XX/2020 and XX/XX/2020 Payment history ledger
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-05-02
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this. Under USC 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. Please update. 

XXXX XXXXXXXX Date XXXX Balance : {$1100.00}
Consumer complaint received 2023-03-03
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. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. 
Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA XXXX, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.