davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, My name is XXXX XXXX XXXX I am writing this to delete the following information from my credit profile. The items that I am requesting to be deleted are listed in the report attached. I am a victim of Identity Theft and did not authorize the inquires listed. I ask that these Items be deleted and updated in order to correct my credit profile with accuracy and protect my consumer reputation. I have reported the theft of my identity to the Federal Trade Commission. Enclosed are copies of the FTC Identity Theft Affidavit. This inaccurate information has caused me to be denied by credit companies and personal loans. I have contacted the creditors and credit unions and have yet to receive any response in over 45 days I ask that per FCRA and FTC laws and regulations the accounts and information listed in this report be deleted immediately.
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (CA)

I have a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc. (MD)

Sent letter via Certified Mail to : Innovis XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX in order to dispute several incorrect entries on my credit report. No response has been received.
Consumer complaint received 2021-03-17
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. (TX)

Yes I looked over my credit reports, thanks to the weekly Free Credit report by Annual Credit Reports and see that there are unauthorized inquiries reporting on my credit reports by the XXXX, XXXX and Transunion.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Hazard insurance for my home was cancelled on XX/XX/2020 because my hazard insurance company ( XXXX XXXX XXXX ) did not receive renewal payment for 2020 from my escrow account. I've been paying for my hazard insurance every month as part of my monthly escrow payments. Now, my morgage lander ( LakeView Loan Servicing LLC ) sent me a notice saying that they will get a hazard insurance for me at their own terms, which will be much higher than the ones I had previously payed. When I called the escrow department at LakeView Loan Servicing LLC, no one was able to help me ( I talked to three different agents ). I was basically told that they disburse money to whoever they have on their records and they don't care what happens to this money, and if the other party gets the payments or not. They blame it on me saying I was supposed to renew the hazard insurance myself at the end of the term. But I don't pay the premiums myself, and I have no ways of controlling the insurance renewals. They do it out of the escrow, and I have to rely on their promptness in payments. So, I'm in total dispare at this point because it seems like the money I've been paying for the hazard insurance into my escrow account ( at least for the last two months ) is lost. No one at LakeView Loan Servicing escrow department is willing to resolve the issue. The more I call them the more irritated they get. I have no idea how to resolve this problem and who to contact next. If you need any additional documents, I will provide the on the request.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never received debt validation for this false and misleading debt. Under the laws of the FDCPA, I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report. This false debt needs to be removed immediately.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I'd like to formally submit a complaint against Shellpoint services for transferring over my mortgage from XXXX and basically making a mockery of cfpb transfer rules in place in the way they don't follow any of them. 

The attached statement alone shows of the fraud by XXXX. It took 10 years for me to pay off XXXX of loan and get it down to XXXX, and it took Shellpoint and XXXX 2 years you put back on a d even add XXXX. That's fraud. 

Shellpoint had the audacity to even hurry me through a foreclosure and get rid me. Then tried to say my options were modify my loan, at XXXX ( XXXX more than original note ) or sell home to them. 

So let 's start with intial transfer amount. I need thorough explanation on how you can to amounts in the attached 1st statement. Plus how you can just talk on XXXX like nothing you see in the activity of another statement ( also attached ). This is flat out fraud and discrimination for singling me out. 

They are literally showing they can and will do anything they like and those regulating them do not matter at all. If did, they would not be flying off the hinges like this doing whatever they like. I've received no nts for any foreclosure from Shellpoint. No explanation on how they configured amount. I'm just supposed to sit here and take it. Not happening.

I need Shellpoint to 1st explain these transfered amounts. Full explanation. 

Also copy if previous email I went off on them about all this will be attached in the rebuttle as well as screenshots of being in pre forclosure status taken this last XXXX. Not notified by them. I found out by just researching my home online. XXXX has tried to hold me down but now can't. I will come forward with everything. Including all violations by Shellpoint!
Consumer complaint received 2023-01-16
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. (OH)

I am a living soul otherwise called a XXXX XXXX  XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Consumer complaint received 2021-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have an account on my experian credit report called Capital One Auto Finance account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact Capital One Auto which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (PA)

Im reaching out to you guys for a solution. 

I submitted a dispute with XXXX about an account that appeared in my collections portions of my credit report. After almost a month of investigation, XXXX came to the conclusion that I indeed am responsible for that account in question. This is not my account. And I need this resolved as its the first collections Ive ever had on my credit report, and its effects will linger for 7 years when its not mine to begin with.
Consumer complaint received 2020-03-12
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: The Phoenix Recovery Group (CA)

I am a XXXX year old woman who is continuously badgered by Phoenix recovery group who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take care of a small child and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SD)

Oh, on XX/XX/2023 I was reviewing my bank statement for my Chime checking account and noticed that there was a duplicate transfer to cash app made at XXXX XXXX on XXXX. I filed a dispute with Chime for the {$200.00} duplicate transaction. Chime denied the claim by the next morning then refused to tell me why for 10 days when they finally didnt tell me why none of the reasons for my dispute were correct they didnt investigate anything they are not handling disputes correctly they say I could file or a bottle, so I filed a rebuttal. They denied that without even giving me time to submit any additional
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity self. These accounts below are not mine. They have hindered my ability to receive credit. I am demanding that these fraudulent accounts be removed immediately, for they are hindering my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
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. (OK)

There is a car loan with a repossession on both my XXXX  and equifax Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. XXXX  says the debt has been verified. I have repeatedly asked XXXX  both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. XXXX   has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.
Consumer complaint received 2021-03-17
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: JPMORGAN CHASE & CO. (TX)

Chase bank, and XXXX XXXX have a Business card under my name that I have never applied for. These cards have been opened since XXXX of XXXX as they stated. I have never gone in personally to apply at any of their branches for a business card from a business I dont even own. Every time I call both of the companies they give me the run around by transferring me from department to department. They just keep sending me letters stating that the account is valid, but cant provide me my signature or proof that I went into their branches to apply for a business card. Seems like they do not want to help me out. The business chase card balance is around $ XXXX {$26000.00} while the XXXX XXXX is owed around $ XXXX {$5000.00}. 
These cards have been, and are continually affecting my credit score with absurd outstanding balances. 
I have filed an identity theft police report on XX/XX/2020 for the first fraudulent account I was notified from which was the business chase account. I also filed a FTC report stating both accounts. I have continually pursued Chase bank, and XXXX XXXX to remove these accounts from my credit reports, and completely delete the accounts that I did not authorize. These accounts do not belong to me, and as stated before, I did not open these accounts, and I should not be held responsible for the theft of my identity. This has been a continuous burden that I would love to have mended, so that I can move forward with my life.
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (MI)

Around XX/XX/2018, I called XXXX XXXX to shut off my service. At that time, I was required to pay off the entire remaining balance - which I did. A few weeks later, I called again to make sure I didnt have new charges so I could pay them. At that time, I was told I was up-to-date and that I did not have a balance and that my account account had been terminated. 

Recently, I got a credit report alert that I had an account in collection. Ive tried to call the collection agency several times and no one answers. 

I need to know why no one has tried to contact me in the last two years  about this {$110.00} supposed debt. I would have gladly paid it immediately had someone contacted me.
Consumer complaint received 2020-03-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2023-01-16
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: CITIBANK, N.A. (FL)

My CitiBank XXXX XXXX ending in XXXX was charged with {$3000.00} worth of fraudulent charges from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The dates of fraudulent charges were between XX/XX/2022 - XX/XX/2022. I did not initially notice the charges because I pay my credit card bill via auto-pay. However, when my balance was so high, I became alarmed and upon researching, saw multiple fraudulent charges over a few months. I contacted CitiBank immediately and that card was then closed. Citi stated that they would open an investigation. I never heard anything regarding the outcome and this was about 6 months ago! One day in XX/XX/2022, I called Citi again, they sent me a letter stating that the investigation was opened and that is the last I heard from them. Today when I called XXXX, they said my claim was closed/denied because they could not reach me. I find that hard to believe because I have been WAITING to hear from them! That's why I called them again! In addition, I have had the same phone number for 40 years! My address has changed, but I have my mail forwarded via the XXXX. I do not believe them when they say they could not connect with me and therefore, " denied '' my claim. I have email mail. It all sounds too convenient for them to say, " we could not connect with you so we denied your claim. '' I'd LOVE to speak/connect with them to get this handled once and for all! On an other note : Upon looking at my statement, it can easily be seen that charges were made simultaneously in XXXX XXXX AND XXXX  on the same day - how could I possibly be in 2 places on the same day on opposite sides of the country?! No, I did not lose my card. Yes, I am willing to file a police report if necessary. All the while I am accumulating interest fees and my credit is affected by this as well. Today I called again and after 45 minutes of phone XXXX with ignorant people, Citi claimed they will re-open my fraud investigation. I do not trust Citi to help me or do the right thing because they have not in all these months! PLEASE help me!
Consumer complaint received 2024-02-24
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: Experian Information Solutions Inc. (IL)

I am following up on my recent credit dispute and re-submitting my FTC report # XXXX for your attention. I am requesting assistance with the removal of the remaining inquiries on my Experian and XXXX credit reports. The specific inquiries I am asking to be removed are as follows : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Additionally, I would appreciate an updated copy of my credit report, reflecting the removal of these inquiries, to be sent to the address I have provided.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I was charged a overdraft fee, due to insufficient funds. Over 2 plus  years I signed a document stating if I dont have the funds in my account dont accept it. But Wells Fargo continues to accept it, so that they can receive the {$35.00} fee.