davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$10000.00}, {$29000.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- PERSONAL LOANS -- 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-17
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: EQUIFAX, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$2600.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-16
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. (OH)

Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I created an online account with experian to monitor my credit history. In XX/XX/XXXX I stopped receiving alerts but I did not panic. I figured there were changes to report by experian. On XX/XX/XXXX I attempted to log in to my experian account and my password was not accepted, therefore I submitted a requested to changed my password by clicking forgot password. The password was sent to an email address that does not belong to me, so I notified experian immediately. I began receiving correspondence from experian regarding the matter. I explained the situation and requested that the account be closed by experian. In XX/XX/XXXX I received a call from an experian rep name XXXX. I again explained to him what took place and asked him to close the account. Nothing has not been done. I am still asking experian to close the account because the identity thief/hacker has all of my personal information and has hacked my experian account and they refuse to close the account. Experian continues to request that I pay for credit monitoring alerts instead of permanently closing that account t and not allowing another account to be opened. Please force experian to close the account. I have all of the email correspondence with experian beginning XX/XX/XXXX to present.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX EXPERIAN XXXX. XXXX  XXXX XXXX XXXX XXXX : Last 4 SSN : XXXX To whom it may concern : On XX/XX/2020 I called Experian Dispute Center, talked with someone named XXXX in regards to removing a negative item from my credit report that had reached its, 7year FCRA removal date. Experian maintains this information under my Social security Number. While we were exchanging information on the phone he confirmed the item was removed. It would not be posted on any future, Experian report. Within 3 to 4 days after this removal, my Fico Score went from XXXX to XXXX. During this process I am in the middle of refinancing my home with a XXXX  VA lender and have agreed to a {$25000.00} Dollar cash out. All was good, until I check my Experian credit report as of the XX/XX/XXXX and low and behold, the item that was confirmed to be removed is back on my credit report. On the XX/XX/XXXX I received notice that my Fico score went back down to XXXX. The VA refinance lender reports to me I have lost my lock in rate also I am disqualified for refinancing and cash out due to the return of the disputed negative item and the loss of the XXXX Fico score. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( 0 ) ( ii ). You are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previous deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than5 business days after the reinsertion if, authorized by the consumer 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

This is a very serious violation of the FCRA, I reserve the right to pursue legal action for the blatant disregard for the law. I will offer you 3 options before pursuing legal actions 1. Within 7 days from receipt of this letter, raise my Fico Score back to XXXX 2. Compensate my loss of {$25000.00} dollars 3. Legal action will be pursued in XXXX County Florida, XXXX Circuit Court A copy of this letter has been sent to Cc : CFPB Cc : Attorney Generals Office Cc : XXXX  Cc : Veterans Affairs Office, Washington D.C
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. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

Attached to this complaint is a letter from the United States District Court District of Minnesota Bankruptcy Court for proof that I never filed for Chapter XXXX Bankruptcy and the public record of Bankruptcy Discharged Chapter XXXX, XX/XX/2020 thats currently listed on my XXXX and Experian credit report, is inaccurate, incorrect, and not my public record. The bankruptcy court do not report bankruptcy cases to XXXX XXXX, Experian, XXXX or XXXX XXXX. The public record is not my public record.
Consumer complaint received 2021-01-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc. (CO)

Hi, I opened an Account With Remitly some time ago to send money to poor people in the XXXX. I closed it to use another service. I requested that my account information be deleted for security. Everyone gets hacked and they have my checking account information. 
I went back to remitly and they said I can not transfer money using my checking account because my account is associated with another account! 
I explained all this to them and asked that they delete both accounts and most importantly my bank information. 
Remitly refuses and says I agreed to to it in their agreement. I said That I revoke that authorization and they still refuse to delete my banking account numbers. 
This is a big problem waiting to happen. A hacker is going to hack them and clean out everyone 's bank account. 

Sincerely, XXXX
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Ive received a paycheck from a company and deposited it into my account by using the online banking system, after a day the bank blocked my account because the check was not a good paycheck. I didnt know if it was a bad paycheck. That, fraudulent action should not be under my responsibility because i still have the check and the name of the company that sent it still on the check.
Consumer complaint received 2021-01-17
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NV)

I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I need this company to verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the XXXX XXXX XXXX. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness

, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2023-05-02
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)

This is my Follow-up 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 : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has utterly violated and disrespected me in regards to my business and personal account which i was forced to cancel because of there henious acts. XXXX a company that was introduced to me by bank of america were making unauthorized transactions even after canceling services and complaining to bank of america. I requested bank of america to block XXXX from having access to my account and they denied my request .my second issue with bank of america is with a claim that i filed in XX/XX/2020 against a fraudulent travel agency called XXXX to receive funds back for services that were incomplete and purposely negated. Because of covid - 19 protacols XXXX the airline canceled the original flight booked for XX/XX/2020 which XXXX was responseble to reschedule the flight. A flight that is not cancelded by a customer but an airline is the pure responsibility of the agency to supply a customer with a reimbursment in the form of a voucher if rescheduling is uncapable. The incomptence of bank of america ; no receipts just word say they took back the money that was reimburesd and quote on quote gave it back to XXXX because XXXX claimed to irresponsible which may be fiction because there reputation precedes them for theft they have committed against less fortunate citizens in a time of a crisis by stealing there stimulus checks. There process of investigation is not based on phone calls nor sources for facts just word say. After the fact i found out XXXX  has had over XXXX k complaints against them in the past three years on the XXXX XXXX XXXX ive also told this to bank of america in my counter claim as well as for them to get in contact with XXXX and call the phone number of XXXX XXXX that was given to me in the confirmation email in the time of the ticket purchase because seemingly i can never get them on the phone. this banking institute is illiterate ; i have submitted my counter claim on XX/XX/2020 and have not received my funds back nor a response
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I am trying to buy a condo for the sale price of 215,000. I applied for a mortgage with Quicken-loans/Rocket mortgage. I was pre-approved for a 30 year fixed with 30 % downpayment. My conditions to meet the pre-approval are that I have excellent credit, little to no debt and 200,000 in liquid equity. I am a XXXX XXXX  1099 employee of an industry destroyed by COVID conditions XXXX XXXX XXXX. Ultimately, i would use my XXXX income from a XXXX that was finalized this past year. It is my understanding that the decision to use XXXX as income would be valid, if i could prove consistency via a written/agreement or 6 months payment or credit worthiness of my payor. I provided XXXX decree, bank statements and checks. I had a special situation in the last 6 months of payments and provided documentation. I have been receiving check payments delivered via USPS. Much of my mail within the last 2 months has been returned to sender undeliverable. I have and documented communication filing a complaint with the USPS. Their answer to the complaint is that due to COVID, they are understaffed. I also provided documentation from My ex-husbands bank account that the checks were issued and returned to sender via USPS. My income without XXXX  is based on unemployment in 2020 and as a 1099 employee of a growing business that doubled in income for 3 previous years. The alternative suggested to this is that I take on a cosigner like my father or brother. At some point this decision was reviewed and made to not lend me XXXX  without having my brother of father co-sign. I do realize that if I was still married my husband could equally own my property and cosign a mortgage loan with me. I do not believe that I am being fairly considered for a mortgage.