davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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: ACIMA CREDIT, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All Debt Solutions Inc. dba: 1st Class Agency (NH)

In XXXX of XXXX XXXX XXXX XXXX came to my house to install a perimeter drain system in my basement. In the process they damaged my home, did work not in compliance with building code, and never completed the job so when the workers left on the last day they did not get final payment because by the agreement, " payment ( was ) to be made upon completion. '' I sent my complaints to them and they agreed to come back in XX/XX/XXXX to correct the discrepancies and finish the work agreed to. Prior to them returning the President of the US and the Governor of NH declared a state of emergency limiting interstate travel and ceasing all non-essential work. I subsequently called and cancelled the appointment until the situation cleared. 
On XX/XX/XXXX I received a notice from All Debt Solutions , Inc. that they had been hired by XXXX XXXX XXXX to collect a debt. I hired an attorney who sent All debt solutions a letter on XX/XX/XXXX stating that I disputed the debt and requested validation of it. They sent a copy of the proposal which states that " payment to be made upon completion. '' My attorney and All debt emailed back and forth but nothing validating the debt was ever produced and then I got notices of account in collection on my credit reports. Those stayed on my credit reports until another letter from my attorney dated XX/XX/XXXX citing the same statute FDCPA noted in the original letter from All Debt, and stating that the debt has never been validated and demanding that all collection activity cease because the debt is not valid. The owner of XXXX XXXX XXXX admitted that the work was not complete in a XXXX XXXX complaint I filed. 
The negative reports were removed from my credit reports and we are now going after XXXX XXXX XXXX for the work they never finished but this whole thing with All Debt Solutions should never have happened because the debt is invalid. Had All Debt Solutions followed the law, specifically Title 15 USC / chapter 41, subchapter V, paragraph 1692 ( g ) they would have realized this debt was invalid and attempts to collect it would be illegal. Because they did not follow the law they have cost me {$4600.00} so far in unnecessary legal fees along with several months of not being able to use my previously excellent credit rating of over 800 to purchase anything substantial or even to get a credit card.
Consumer complaint received 2021-07-09
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. Also, remove the fraudulent and/or inaccurate inquiries on the report. I have attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.
Consumer complaint received 2021-07-09
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. (PA)

DP OF EDUC Account # : XXXX | XX/XX/XXXXAccount # : XXXX | XX/XX/XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Consumer complaint received 2021-07-09
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. (PA)

DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Consumer complaint received 2021-07-09
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: ALLY FINANCIAL INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-09
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. (FL)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-07-09
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 (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

A Bank of America loan officer XXXX XXXX and her supervisor XXXX XXXX were negligent in handling our mortgage application and their supervisor XXXX XXXX told us last night that we wont be able to close on our new home as scheduled on XX/XX/XXXX. Ms. XXXX told us that everything was on track to close on XX/XX/XXXX and took our credit card information to order an on-site appraisal but apparently never scheduled it. We have spent dozens of hours over the last month submitting documents to Bank of Americas online home loan navigator and also planning many detailed logistics around our closing date of XX/XX/XXXX only to find out just over a week before closing that our lender has not been properly managing our loan application.
Consumer complaint received 2021-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a outstanding balance of {$390.00} showing on my credit for a capital one credit card that was opened last year. It's now in collections with XXXX XXXX. I have tried to dispute it several times and they keep marking my credit every month. This was not opened by me this is fraud my last credit card from capital one was over 10 years ago. It's closed completely and no longer showing on my credit. Can you please remove this off my XXXX and my XXXX report.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-30
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. (OH)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
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. (IL)

I have had issues with identity theft in the past. Apparently, someone has and still attempts to use my information to obtain credit services. There are several unauthorized inquiries on my Trans Union Credit Report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  and XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NV)

I HAD CERTIFIED ON XX/XX/XXXX SUNDAY IN MY NEVADA UNEMPLOYMENT BENEFIT ACCOUNT AND SYSTEM CONFIRMED AS ALWAYS THAT I SHOULD RECIEVE MY BENEFIT PAYMENT THIS WEEK AS ALWAYS AFTER CERTIFYING WITHIN 24 HOURS MY PAYMENT WOULD REFLECT IN MY XXXX  XXXX XXXX PREPAID UI CARD BUT STATE DECIDED TO CANCEL XXXX  XXXX XXXX CARD SERVICES AND SEND OUT WAY2GO CARD TO NV CLAIMANTS TO GET THERE PAYMENTS STARTING ON XXXX.ITS BEEN 4 DAYS AND MY MONEY IS NOT SHOWING UP I CALLED TO NEVADA UI TO MAKE SURE PAYMENT WAS ISSUED AND IT WAS CONFIRMED WITH A PAYMENT NUMBER AND REP ADVISED ME TO WAIT ANOTHER DAY DUE TO FOURTH OF XXXX XXXX AND PAYMENT SHOULD SHOW UP. AS OF FRIDAY XXXX TH STILL NO FUNDS I TRY TO LOG IN APP ON MY PHONE AND IT TELLS ME ACCOUNT IS BLOCKED AND CALL CUSTOMER SERVICE AFTER WAITING 1 HOUR TO SPEEK TO SOMEONE TO FIX BLOCK ISSUES AND WHY WAS THIS DONE HE HAD NO INFORMATION FOR ME BESIDES TELLING ME IF I WOULD LIKE HIM TO FILE A TICKET I ASK A TIKET FOR WHAT? HE SAID A TECH WILL RETURN MY CALL WITHIN A DAY TO HELP ME TO RESOLVE CARD ISSUES I ASKED TO SPEEK TO A SUPERVISOR AND AS I WAS WAITING ON HOLD I HEARD LAUGHING AND AS SOMEONE TRYING TO COVER THE OTHER END OF THE PHONE TO PREVENT ME TO HEAR, AFTER WAITING OVER 15 MIN THE SUPERVISOR HAD SAID THE SAME TO ME ABOUT A TECH IS ONLY ONE TO HELP ME, NO TECH HAS CALLED XXXX NOW WHEN I CALL WAY2GO NUMBER RECORDED SYSTEM TOLD ME MY CARD HAS BEEN BLOCKED AND THAT I HAVE NO ACCESS TO ANY CARD FEATURES ON MY APP AS WELL AND ONLINE WEBSITE COMPLETELY BLOCKED FROM KNOWING ANY INFO ABOUT MY FUNDS.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

First Reason For Dispute I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. 

Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and it is showing the account as having been paid more than 30 days late in the month of XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof. 

Last Disputed Item : Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full in XXXX, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing in error the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, and it is showing in error the account as having been paid more than 120 days late in XXXX XXXX and XXXX of XXXX, and it is showing in error the account as having been paid more than 60 days late in the month of XX/XX/XXXX. 

and it is showing in error the account as having been paid more than 30 days late in XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof.
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NY)

I have been trying to get a loan modification from CMG since XX/XX/2020. My father and I are on this loan and my father passed away on XX/XX/2020. CMG told me that they needed a copy of his death cert, which I did provide them. I also gave them updated bank and pay stubs. They then told me that they needed a copy of his will, which I also did provide. I along with a counselor from Neighborhood Housing services spoke to a rep and was told that I now had to get a letter of testementary for my father 's estate. I called back CMG about a few weeks ago and requested to be put on a forebearance. The rep stated she could put me on for the month of XXXX but I will have to call back in XXXX to get additional months if needed. Today I received a letter from CMG and it states that they received the death cert and will be removing my dad from the loan. So, I called CMG to see if I still needed to get papers from Surrogate court or not only to be told by rep that I was NOT on a forebearance at this time, even thought I told her that I have spoke to 2 reps prior and confirmed that I was on a forbearance. Since XX/XX/2020 I have stayed getting conflicting info from this company and they never do what they say they will. I have kept all emails, calls and mailings that prove the conflicting info. I have sent them everything that they have requested. After speaking with rep today she told me that I will have to start the loan modification process all over, and I asked her why they just couldnt open up the one that they denied which I just resent then a month ago! I seriously need him and someone to look into the practices of this company. It is not fair to me as the consumer that I have been going thru this and yet have been doing my best to do the right thing and I am constantly being taken through the ringer with this company.
Consumer complaint received 2023-03-31
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. (FL)

I am interested in processing disputes for all of the inaccurate information on my credit report with transunion that is hurting my file. please delete & remove the data listed to help clear my file asap.
Consumer complaint received 2021-07-09
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)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX  Theft report number. XXXX
Consumer complaint received 2021-07-09
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: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.