davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with Transunion, XXXX, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have found numerous accounts on my credit report that I did not authorize and did not open ; the accounts need to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report unaddressed. This negligence violates my rights under the FCRA and continues to inflict financial harm. I urge the CFPB to ensure the removal of these accounts and uphold my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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. (CA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX,XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXXXX/XX/XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-03-22
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. (FL)

This account was settled per the settlement agreement attached yet XXXX XXXX did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX
Consumer complaint received 2021-01-11
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. (FL)

The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information, because these accounts are not mine. I have never signed anything like this and I do not recognize. Please check there my personal information as I believe its a huge error in personal data and identity theft. Please remove it as soon as possible. These items killing my report.
Consumer complaint received 2021-01-11
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I had Amazon orders, not getting approved, that I submitted on my Amazon XXXX Chase VISA credit card. I Called Chase and was told it was a address problem, that Amazon wasn't using an accepted address by Chase. I verified and made sure Chase had my new address, which now, matched Amazon 's. Problem solved, not. No order approval. Called Chase again, now told my account balance exceeded my credit line, {$2800.00} balance and {$2400.00} credit line. I make a phone payment of {$2500.00}, but hours later my bank balance reveals, payment not made. Call Chase, they say a special team, needs to handle this large payment and that is five days away. I protest long and hard calling the situation ridiculous. Call Amazon, tell them, the same and Chase is not doing it's job. Hours later my bank balance reflects payment made. I figure matter closed, not. Chase now says, they will sit on my money, until the XXXX, for some verification process. Again, I call, this ridiculous. To no avail Chase says money in limbo, until the XXXX. I add no interest for held payment,, too. I made a good faith payment, expecting, it to be applied to my account, free up credit line and get orders approved, I get nothing but delays. I am just asking, for Chase to do the job.
Consumer complaint received 2022-10-17
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX US Department of ED # XXXX 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 states a consumer reporting agencu can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ID)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have repeatedly asked Equifax to remove these hard inquiries. Starting with XXXX XXXX on XX/XX/2022 global lending service XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 consumer portfolios XX/XX/2022. I have been met with the same response it is public information and factual information and can not be changed. These inquiries were a result of a breach. And are fraudulent.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

XXXX Bless On XX/XX/XXXX, I appeared via XXXX  in court with Judge XXXX XXXX The XXXX  meeting started at XXXX XXXX  with Judge XXXX XXXX, XXXX XXXX XXXX attorney for XXXX XXXX Co XXXX XXXX XXXX, who showed their faces. There were two other people on the XXXX meeting that I was not aware of under the screen names, XXXX XXXX XXXX. *They did not show their faces and their microphones were muted. 

The Judge asked the attorney would she like to talk to me before proceeding, she stated yes and then he asked me, I stated, No. The asked if there is anything I would like to state, I advised that I believe the case should be dismissed due to the fact that I was improperly served, the person that lives there now was served where I do not reside and that after I found out and was actually served the woman did not indicate who she was or why I am being sued. The attorney stated that I did live there in XXXX when the account was created. I also stated due to reason number XXXX, due to the account numbers do not match from what the attorney has ending in XXXX vs what I have ending in XXXX. The attorney stated that account numbers changes all the time. I stated that I did not live at that address in over 3 years and that if the account numbers changed then I would have been notified. The judge asked if there is anything else. The attorney and myself stated, no. the judge ruled in the plaintiffs favor stated that I would need to pay for debt and court cost. the XXXX  meeting ended at XXXX XXXX. 

***The meeting ended so abruptly that I had to call up to the court to see in what favor the judge went with. The lady on the phone stated that I have XXXX  days to appeal. 
I went up there to get the appeal in person the reps, XXXX stated that this is not a court of record and that the XXXX  calls were not recorded nor do they have transcripts. 

Prior to this at the original trial the attorney had told me a judgement would be filed against me anyway and that he would file a continuance so I should negotiate a payment.I sent the court and the attorney a letter and the evidence stating I would like to enforce my rights based on the FCRA to be able to verify the debt especially since I was not notified of my account changing, I do not recognize the debt, and I stated at the prior trial I am disputing this debt. The court emailed me back saying they received it on XX/XX/XXXX as well as XX/XX/XXXX. The attorney received it on XX/XX/XXXX. To this day I have not received any paperwork or documents proving this debt is mine or that it was properly verified. 

I can not afford the appeal fees and need guidance and help from you to reverse this incorrect judgement decision.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Transunion: 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 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 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

Payment lost not credited to my account after 22 phone calls and 3 faxes of checks that cleared my bank front and back copies they finally credited my account but interest dates incorrect. I have paid off loan but bank sent me much less than what I was due. Called bank and they said the account was closed and did not care about incorrect interest charges. 
XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Secondary address XXXX XXXX XXXX XXXX Ks XXXX
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-01-11
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: Experian Information Solutions Inc. (NY)

Good day! 

I received your information through the FTC and also the XXXX  XXXX  XXXX  service authorized by the Federal Government. 

In short, I've been plagued by a series of constant errors by the credit agencies which after researching and jumping around in hoops, is clearly the result of either : A ) Institutional bias against minority groups and denying people access to credit ; or B ) Malpractices internally at these organizations I would like to formally request a review and possible indictment of the leaders of these organizations to ensure that we are not jeopardizing working families and people trying to survive as well as grow the US Economy. 

I have evidence that I would like to submit privately or on a separate channel. 

Thank you and be safe! XXXX bless!
Consumer complaint received 2021-01-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I Applied for a mortgage Loan Modification thru the mortgage service Bank of America on XX/XX/XXXX I submitted all required documents for assistance as instructed to by Bank of America in a timely fashion. On XX/XX/XXXX I received a letter from BOFA dated XX/XX/XXXX that my file was denied for modification on the letter it stated reason for denial of loan modification it read " The investor of my loan XXXX XXXX has not given BOFA the contractual authority to modify under the BANK OF AMERICA loan modification programs. My understanding this account is owned by XXXX XXXX  and my file should have been reviewed for the XXXX XXXX flex modification not Bank of Americas programs since its XXXX XXXX owned. The letter also allowed me only 14 days to dispute this denial reason, I was under the impression under CFPB guidelines consumers are to have 30 days to appeal the denial. I would like BOFA and XXXX XXXX to review me mortgage assistance under XXXX XXXX Flex modification
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

My belk rewards credit card went into collections. After being contacted by the hired debt collection agency ; I did go ahead and start paying the debt once employed. I sent in a payment around XX/XX/XXXX and the payment was returned which was odd so I then reached out to the debt collectors which is " XXXX XXXX XXXX  XXXX XXXX ''. No response after multiple days of calling and emailing. I then reached out to Synchrony Bank ( original Debt ) to see if they had an explanation as to why the debt collectors had sent my payment back and arent returning my calls. They said it looked like the debt had been sent to another agency ; ok great ... seems like i'm getting somewhere. I and the Synchrony Bank agent call what was suppose to be another agency and come to find out they are only an answering service for the original debt collectors " XXXX XXXX XXXX  XXXX '' so I am now back at square one. I continue to call and ask the call center to have the actual company call me back to inform me on whats going on because not only can they not transfer you but they also can not take payments so they were no help at all. It is now XXXX and I havent heard back from the debt collectors by phone, mail or email. Towards the end of XXXX I continued to reach out to Synchrony Bank on their recorded lines to inform them on what was continuing to happen they pretended they were filing actions and complaints against the company for the issues that I was having and that hopefully would fix the communication issues. Nothing changed and the total continued to go up with whatever type of fees they were adding on. I am sure that it is unethical and illegal to deny payments, ignore calls and emails all while adding on fees to a chargeoff account. I have open accounts with Synchrony that I pay on time and I am disgusted with them as well as the companies they hire to settle debt collections.