davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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. (TX)

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
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (AZ)

I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX  ) I patiently waited and for 5 days and no deposit ever showed up. 
I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX  They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve. 
I told her it was not right since I have a large amount of funds already in that account
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Consumer complaint received 2019-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX responded on XX/XX/2019 with bullet numbers. However number 18 stated the following response. XXXX XXXX XXXX , XXXX would happily work with XXXX to facilitate payment and remove any derogatory remarks. 

On XX/XX/2019 {$83.00} had been paid and one account had been paid in full. 

Instead the 2 account have been reported on my report again instead of the balance owed after payment was made.
Consumer complaint received 2023-05-06
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)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I had a supplemental tax bill that I sent to UWM on XX/XX/XXXX via their designated email address. The bill was due on XX/XX/XXXX. The bill was not paid when checked on that date so I chatted with them. Their agent mentioned that they are still working on it and that is when I mentioned that there will be a late fee penalty if the bill is not paid on time. Their agent responded that they will pay the penalties. It is also mentioned on their website that if they miss the due date, they cover the late fee. 

Today, XX/XX/XXXX, I started a chat with UWM and their agent mentioned that they received my supplemental tax bill on XX/XX/XXXX not XX/XX/XXXX and that this bill was paid as a courtesy and it is my responsibility so they are not going to cover any late fees. I mentioned to her that I emailed it on XX/XX/XXXX and have proof in my sent folder. I also mentioned their promise on XX/XX/XXXX to cover the penalties. She mentioned that they dont make promises and she is not sure who made that promise to me. 

I have screenshots of both chat sessions, the one on XX/XX/XXXX and today, available for review.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX *** Please remove fraud alert until it's requested again ***
Consumer complaint received 2023-05-23
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)

I have on many many many occasions reported to Experian that I was the victim of ID Theft via a family member! I have provided police reports, identity theft reports, court documents related to the identity theft and each time they come back saying its been verified as accurate when its not accurate
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NV)

I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CT)

Comentity Bank stated I had 3 credit cards New York and Company, Ann Taylor and Victoria Secret. I did have a VS card several years ago that was paid in full with another bank. This company is illegally sending me text messages to my cell phone using a collection company. I sent a letter to the collection company via email attaching police reports. I told the company representing the bank to stop texting me in my email and they just sent another text this am about New York and Company. I Blocked their number but they continue harassing me for old debt that I don't owe. I sent letters and police reports to the bank directly back in XXXX. They still reported me to the credit bureaus and have not stopped. They just keep changing collection companies that have never notified me after I worked with the bank to remove this fraudulent debt. To be candid if consumers did not have your company to help people like myself I believe these kind of issues would never end. It's unfair and has really destroyed my life credit wise.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-12-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

To who it may concern. On XX/XX/2019 XXXX XXXX  PST I made an international money transfer using Remitly to a friend in XXXX in the amount of {$430.00} USD which emulated to XXXX in XXXX currency. The transfer number was [ Transfer No. : XXXX XXXX XXXX XXXX ]. the recipient didn't receive the transfer and called them to notify the problem. They said it went through I should send a bank statement as proof which I did. Within 8 days of this still didn't hear from them. Made various calls within this period to resolve this but they don't seem interested. I would like help on how to proceed with this matter. Note : password in the uploaded bank statement is XXXX
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I opened both checking and saving account with promo code in branch. In order to meet the qualification of opening account bonus offer, I transferred {$15000.00} from my XXXX account ( an American online bank ) to Chase saving on around XX/XX/2023. As I didnt see the {$15000.00} transfer showing on my Chase saving account, I made another {$15000.00} transfer on around XX/XX/2023. The second transfer was cancelled because of insufficient XXXX account balance and later I found the first transfer showed on my Chase account successfully. 

On XX/XX/2023 Chase informed me that they may closed my accounts because of potential fraud. I called at customer service center and they said thats the final decision, Chase will end the relationship with me without giving any explanation. I strongly believed there must have some mistakes so I applied an investigation. 
On XX/XX/2023, They called and said will proceed the investigation. On XX/XX/2023, they called and told me the investigation is closed and the decision of closing my account is final and wouldnt give me any reason why they closed my account, stating that they reserved the right to which customers Chase having business with. So I asked the progress of my {$15000.00} fund, I was transferred to their electronic funding department, which they said this fund was under verification and no estimated time when its going to be done, the transfer is between my accounts under my name and the money is mainly from salary so I ask if they could transfer me to the department verifying the fund or I could provide any information they need in order to faster the process, sadly they refused. It was very frustrated without knowing why Chase closed my account, if theres really ID thief issue related, I should have the right to know. This whole process and my pending {$15000.00} made me feel unsafe toward the safeguard of money in banking system.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 also states a consumer reporting agency 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WESTERN ALLIANCE BANCORPORATION (CA)

I filed a complaint to Western Alliance Bank, who claimed to be the investor and loan servicing of all my three loans and thus the loan mitigation application is approved based on the guideline of Western Alliance Bank. This statement is incorrect because I signed deed of trust of the the loan backed by XXXX XXXX ( see attached notarized deed of trusts for all three loans ). When the loan were sold and/ or transferred multiple times throughout the life of the loan, the loan terms and guidelines stays the same as shown of the deed of trust for the loans. I did not sign any loan note/ deed of trust with Western Alliance and therefore these is backed by XXXX XXXX and any events occurred on the loans will follow XXXX XXXX XXXX guidelines, not Western Alliance Bank XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

They purchased his debt from an old apartment complex. I moved out of the apartment on XX/XX/XXXX and IThey purchased this debt from an old apartment complex. I moved out of the apartment on XX/XX/XXXX and I provided my 60 day notice on XX/XX/XXXX, however it seems like they could never locate the letter. I provided it in person to the office however, it was never submitted in the system now they are charging me for a month that I didnt live there and damages that I did not do this to reflect my credit disputing I do not owe this company nothing because my agreement was never with this company. It was with the apartment complex and which I lived stop stop harassing me sent multiple emails to the attorney general and they keep trying to collect for the past couple of years now it is hindering me from getting a new apartment and I feel like I do not owe this debt and I will not be paying it