davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX 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 2022-06-03
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. (CA)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX, XXXX XXXX XXXX : {$2900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00}
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Consumer complaint received 2023-10-18
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. (NE)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-02-21
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. (IN)

i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and XXXX,
Consumer complaint received 2020-02-18
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: U.S. BANCORP (NJ)

I suppose to be charged {$550.00}, but a merchant ( night club & karaoke ) charged me twice of {$550.00}. I filed a claim to my credit card company but they said they are unable to assist me in resolving my dispute since merchant provide a sales receipts. 
1. I did not see the receipt that night. 
2. I did not sign the credit card receipts and this is my signature ( credit card company knows this is not my signature, but they said it is not a matter ) 3. I was trying to resolve this dispute with merchant, but they have not responded. 
4. Cardmember services refuse to further assist me because VISA does not allow to investigate this case since merchant provide a receipt.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (NY)

In XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$480000.00}. I was promised a low interest rate and a low monthly payment, as advertised. On XXXX XXXX, XXXX, there was an assignment of mortgage filed with XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX, XXXX, XXXX started a foreclosure against me for the amount of XXXX, which is about {$91.00} from the original mortgage 3 years earlier but I already had paid over {$160000.00}. How is that possible? I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2017-10-10
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: EQUIFAX, INC. (GA)

I have already contacted XXXX about a card they issued to me that I did not authorize and they canceled the account. A few months later XXXX/XXXX/XXXX they hit me with a hard inquiry. I contacted them again and told them I was not trying to open an account with them. They never removed their hard inquiry. Now again .... they have hit me again with another hard inquiry on XXXX/XXXX/XXXX. I have reported fraud to the credit bureaus but hard inquiries that are not mine are killing my score. I also contacted XXXX XXXX who did a hard inquiry XXXX/XXXX/XXXX & XXXX XXXX XXXX/XXXX/XXXX, that I did not authorize and they are both still showing. The most recent to show up has been XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX. I do n't understand how these companies can hit you with something like this without verifying if it was authorized by you, these inquiries are killing my score, please help!! Thank you!!
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

Overall summary : XXXX XXXX XXXX XXXX is the Mortgage company for XXXX XXXX and XXXX XXXX for the home on XXXX XXXX XXXX, XXXX AZ. At the end of the year, surplus for the escrow account was sent via check for {$490.00}. That check was stolen and was cashed by XXXX XXXX XXXX. He signed the names on the check and then signed it over to himself. Chase caught the fraud and has the money. 
XXXX. When reported to XXXX XXXX XXXX XXXX, they asked XXXX and XXXX to file a police report, which was done with the XXXX Police Department. It is case number : XXXX. XXXX XXXX XXXX XXXX got the police report but then said there is nothing that can be done since the money was paid out. They suggested I check with the bank that cashed the check. 
XXXX. XXXX went to Chase bank and spoke with a local bank XXXX, XXXX XXXX. She did confirm that the check was flagged for fraud and that the money was recovered from the fraudulent account. They did confirm that both XXXX XXXX and XXXX XXXX were the intended recipients. 
XXXX. Chase back refused to pay out the money and indicated that XXXX XXXX XXXX XXXX must cancel the check or claim it as fraud through the system. In a call between XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX said that XXXX XXXX XXXX bank has no policy do not do what XXXX is asking, but they can provide a letter stating what happened. ( Letter Attached below ) XXXX. The issue was escalated within Chase Bank to a branch complaint department. XXXX was assigned the case and can be reached at XXXX ext : XXXX. On XX/XX/XXXX he informed XXXX that without XXXX XXXX XXXX XXXX there is nothing more that can be done. When asked if I could get the denial in writing stating the reason, he said it was not Chase policy to send anything in writing to customers. 
XXXX. In multiple emails to XXXX asking for information, updates, and to provide information, XXXX never once responded to any emails. When asked, she said that it was against Chase policy to write emails to customers. 
XXXX. Bottom line : Chase has the Money. Chase knows it was XXXX. Chase knows it was intended for XXXX XXXX and XXXX XXXX. Chase will not pay out the money. Chase refuses to confirm the situation in writing but has verbally told XXXX XXXX, they will not pay the money.
Consumer complaint received 2022-06-03
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. (MA)

XXXX XXXX  continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of synchrony banks improper use of the credit report. Transunion, XXXX, and XXXX have a duty to protect consumers and they have shown to be negligent in their handling of this issue.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

Care Credit # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX balance.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR/MR COOPER and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NATIONSTAR/MR COOPER with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Recovery Specialists, Inc. (KS)

I had help paying this debt amount my bill of {$1100.00} plus {$210.00} still they want {$120.00}. I don't think I still owe that money to them since they got {$1300.00} on bill that was only {$1100.00}, they didn't get ahold of me until XXXX. My wife help me get paid off. My bill was in their office since XX/XX/XXXX.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (TX)

My mortgage service transferred on XX/XX/XXXX from Plaza Home Mortgage XXXX XXXX # XXXX ) to XXXX XXXX Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that Plaza Home Mortgage had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called Plaza Home Mortgage and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost 10 hours over the last 3 months dealing with this problem with no resolve.
Consumer complaint received 2022-06-03
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. (TX)

I have been a victim of identity theft since the pandemic began. I thought it was resolved but I see that it has not because there are clusters of hard inquiries at attempts to take out auto loans or credit cards. The most current inquiries were made after I had placed an identity theft on my credit and I noticed because I recieved an email from the lenders letting me know they couldn't offer me credit because they couldn't verify my identity and I confirmed to them it wasn't me. I only have one credit card, my XXXX  XXXX card that's all I have applied for and have had, and I have one vehicle that is a XXXX  and I bought it paid in full, I never had to take out an installment on it I just paid cash for it back in XXXX of XXXX. However mine and my mom 's social security numbers are basically the same except they are one number different at the end. I believe when she went to the dealership to take a loan out on her vehicles my social security number was given instead of hers, I know my credit hasn't been ready to take out another car loan that's why I waited to purchase my vehicle in full. I believe they were trying to make a sale and so they kept running it until they realized they were checking the wrong person 's credit instead of hers. I see this happened twice, there's a huge cluster of hard inquiries in XXXX of XXXX and then another cluster in XXXX of XXXX that I did not apply for a car loan for. The other 's I believe are a part of the identity theft that I am continuing to fight. I'm not sure how to stop it. Luckily, nobody has been able to obtain credit or loans. These are the inquiries I believe are done due to the result of my multiple identity thefts : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Attached is my identity theft affidavid/ FTC report for these inquiries.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

Depositor by thye name of XXXX XXXX deposited funds into my account another person impersonated through my information and created to steal tyhe funds that were carried over to my new account that was created after double debit probl ; ems occuring .the funds were secured and traqnsfered to my new account information and someone creates a check to steal the funds out my account. it was said to be a company called XXXX XXXX  who wrote a letter on my behalf at they beggining of the claim statimng that they did not retrieve these out my account and never had my banking informatiom=n and that no one from their company can transfer checks that large or recieves any kind of payroll for thee amount of XXXX cent none of the claims at wells fargo were handeled correctly niether did the bank try to call the merchant back that they said recieved the funds back aslo i filed a case with cfpb who tthe bank responded back with that i need to contact thye merchant when i had the leeter from the merchant at the begginig of this sittuation. this not only proves the funds are stolen but i have the response from the merchant as well and witness from wells fargo who heard, mmy debit transactions prooving debit theft .i would like to file paper work for the stolen funds .aslo it was said to be an energy company who witnessed on my behalf with a letter how ever the phone number on file did not match the buisness listed aslo agtyer phone call today XX/XX/2019 that there was no n umber listed proven that the information has been altered and after so many run arrounds i noticed this through alot of phone calls with wells fargo and i know the phone calls are recorded
Consumer complaint received 2022-12-19
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. (CO)

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX To whom it may concern XXXX XXXX is showing on my credit report this is not my account it was open fradulently and as the letter attached states it is supposed to be removed from my credit report. Please remove and send me a copy of my credit report after thank you
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I sent a letter to Equifax for a item that was incorrect and open and after the dispute they had closed my account without my consent and i would like for it to be reverse back open with no late payments. I sent the same complaint to XXXX  and they re-open the account.I dont know if it closed on XXXX  either
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

I was in a loan forgiveness program that didnt require me to make monthly payments. After a year I had to re-qualify for the program. During that process my account was in forbearance. I was never alerted that I was then required to start making monthly payments. Even though my income never changed from my initial approval. I now show 6 missed payments on my credit history and I would like those removed. I am now current with the company after being placed BACK in forbearance but they wont remove the 6 previous missed payments. Online it still says that Im in forbearance and that it will expire soon, so I should have no missed payments.
Consumer complaint received 2022-04-15
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. (NY)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2019-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (OH)

I ask company to verify a debt in my name that was said i owed they did not send the proper documentation to verify the bill using section 609 in the FCRA, The amount of debt is XXXX. The company sent a bill that was in my name, no original document with my signature on it. This account is being falsely reported to the credit bureaus on a monthly basis.