davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-03-07
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. (TX)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts being challenged XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2021-05-13
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. (FL)

i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I received a letter from the IRS on XX/XX/2022 stating there was a possible employment related identity theft. I placed a fraud alert on my account. I then received two letters from USAA in, but the letter was dated XX/XX/2022. They were both a notification of bank account closure. I have never opened an account with USAA. I called the company, and they wanted my social security, which I did not give because I was very uncomfortable. I believe there is fraud on my account, and someone other than myself opened two USAA accounts under my identity.
Consumer complaint received 2022-04-08
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX XXXX XXXX XXXX closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2022 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 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

In XXXX, XXXX I paid my USAA credit card balance in full in the amount of {$7200.00} with USAA and requested the account be closed. They assured me it would be. In XXXX, XXXX USAA used my still open credit card account, against my will, to XXXX XXXX {$400.00} into my checking account as automatic over-draft protection. I did not want this as I assumed they had closed this credit card account in XXXX and have over-draft protection on my checking account with USAA in another form. I also destroyed the USAA credit card in my possession in XXXX and never used the account again assuming it was closed. 

Due to USAA not closing my credit card and charging {$400.00} in OD protection after I assumed the account to be closed, I called USAA to complain. They informed me that they could not pull any call recordings beyond XXXX and would not do anything to remedy the issue and would be sending my credit card account to collections. I have now paid the collections action in full but am very upset that USAA did not close my credit card account to begin with in XXXX and that they would not remedy the matter after I discovered what they did and confronted them with the issue. I would like a refund of the late fees and service charges and the negative credit reporting that resulted removed from my credit reports immediately.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

I am a victim of Identity Theft. On XX/XX/2020 I attempted to open an account with Chime. I was informed by the company that there was an account with my social security number already opened. I sent the requested documents to verify my identity along with a letter from the FTC informing them that by law I had a right to get the info that was used to open the fraudulent account. I have not heard from them. It's been well over a year. 


I do not know who opened the account. I did not authorize the account, therefore I don't have an account number.
Consumer complaint received 2022-03-13
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. (CA)

XXXX XXXX  XXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete
Consumer complaint received 2022-01-22
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. (FL)

This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2019-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

This company is extremely hard to get in touch with and very unprofessional. Every time I sent an email, they only sent a generic letter in the mail saying they will review within 30 days. Well that hasnt been the case. I have called numerous times and their employees are rude and do not help. They give you the run around and blind transfer calls a lot to other departments that just arent willing to give any help, answers, or advice. My husband and I have been trying to reach out to Selene Finance who recently took over our mortage for the last few months. The reason we are trying to reach out is because the escrow analysis we received, we were told by a representative has errors. This company is trying to inscrease my monthly payments by {$500.00}. My mortage is already over {$5000.00}. Another {$500.00} on top of that seems ridiculous especially since our insurance has not increased and our taxes only increased by a little bit. I have explained alll of this to multiple representatives. I even spoke to one representative XXXX that told me if I want to file a complaint I should do so on XX/XX/2019, I was very upset, she showed no empathy and even raised her voice shouting at me. I also spoke to a representative by the name of XXXX ( I believe her name was ) in the middle of the day on XX/XX/2019 as well, and she worked in the tax department from what she told me. I was told my problem was going to get escalated so that the tax department can do another escrow analysis and my matter was suppose to get reviewed within 7 days. Well today was the 7th day and I have not received one phone call or email in regards to my issue. Its been very frustrating. I have left numerous callbacks for these representatives supervisors and not one of received. When asking for a supervisor they always say there is none here at the moment, or they are at lunch or gone for the day. Not being able to get any real answers from this company that has no problem sending you your monthly mortage bill and email reminders about payments is really unfair. They are pretty much ignoring my issue and has no regard or interest in getting it resolved. Every single time I call about this escrow analysis issue their representatives each tell me different information. How can one person tell me the tax dept is who I need to speak with, then when speaking to a rep in that department they tell me I need customer service and they can not help me. I just need someone to take this seriously. My husband and I have been making their ridiculous payments. I need this resolved as soon as possible. I have run out of patience. Please help.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX at XXXX XXXX. I was sleeping. Suddenly received 2 emails. The first email was that my XXXX account of Bank of America was transferred {$1000.00}. The second email was that my XXXX  account of Bank of America was transferred to {$900.00}. I felt insecure at the time. I never knew the recipient. No bank information was leaked. I had no idea. Why was my money stolen? Then I immediately went to Bank of America to report. Because it was still pending at the time, I asked the bank to terminate the transaction. But the staff of Bank of America only gave me a phone number to contact. Then I also went to the police station and reported to the police on the same day XX/XX/XXXX.
Consumer complaint received 2021-05-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

LoanCare seems to think they dont have to call me concerning the complaint, and they claim it is a duplicate complaint which it is. Complaint ID XXXX I am waiting on the phone to discuss the product and complaint at hand. It was securities fraud in XXXX as indicated in the PDF Uploads Ive provided to them. I have also contacted XXXX XXXX Fraud alert, and waiting on a reply from them as well. Tomorrow I will be reaching out to the FHFA concerning the fraud that was perpetrated on my family during the XXXX Scandal, and XXXX XXXX XXXX. The assignments to XXXX, and LoanCare playing the servicer for XXXX XXXX the investor.
Consumer complaint received 2022-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

So this case is a bit complicated but apparently I was approved for a VA CARES Act loan modification last XX/XX/XXXX but Caliber Home Loans never told me. I had promptly completed my application in about XX/XX/XXXX in response to Caliber 's written request for such documents. They apparently sent the approved modification paperwork to my then former attorney 's ( old ) office address without my consent or agreement. I had been communicating with them directly for my application so I have no idea why they did this. Because Caliber did not identify the attorney 's name or even firm name the mail was never forwarded to him and likely was returned to Caliber. I contacted Caliber by email on XX/XX/XXXX at XXXX to the same email address Caliber and I had been communicating previously ( and Caliber asked me to use ). I never received a response to my email and assumed my completed application was still in process. Later, Caliber wrote to me again at my former attorney 's ( old ) office address without my consent or agreement again in the Fall saying my modification was denied but I and my former attorney never received this correspondence either since it was sent by Caliber to the wrong address with knowledge the address was wrong. 

In XXXX or so I started receiving mail from Caliber 's foreclosure attorney that seemed strange and I did not understand. I contacted my former attorney who is now helping on a pro bono basis to try to figure this out. I also started the process to apply for XXXX funds from the State to see if we can make this right. But because of the problems the State had with it's role-out of the XXXX program my initial application was not accepted until XX/XX/XXXX. My attorney also told Caliber 's foreclosure counsel that my application for XXXX was pending but Caliber 's counsel has represented ( at least through today ) that it will not wait on the foreclosure anymore and Caliber claims the State has not communicated with it. The State seems to indicate that Caliber has not designated a representative until just yesterday. 

I first learned that a sale had been scheduled from my VA representative on XX/XX/XXXX. My pro bono attorney contacted Caliber 's foreclosure counsel who represented he had not scheduled any sale. However, a few days later he was apparently instructed by Caliber to schedule the sale even though Caliber knew I had registered with HAF. Now Caliber is advertising a foreclosure sale of my home and property even though it knows my application for XXXX is pending and I never received the modification offered to me last XXXX. 

I also sent Caliber a XXXX and Notice of Error about all these issues on XX/XX/XXXX which it received on XX/XX/XXXX. I have not received any acknowledgement or response whatsoever to that correspondence from Caliber.
Consumer complaint received 2020-12-20
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. (DE)

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 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NV)

I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection Letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I am responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but i only got 2, I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX nor XXXX provided them to me. 

I am resubmitting this complaint as you directed it to the wrong company. Complaint number XXXX was incorrectly sent to Receivable Management Inc in XXXX Texas . This complaint is directed to Receivable Management Services-Recovery Division LLC in XXXX, MN who I sent a certified demand too.
Consumer complaint received 2021-05-13
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)

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX Balance : {$30.00}
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

Equifax is continuing to report errors and inaccurate information on my credit Report from the collection agency XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX on three separate accounts. 

Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 

It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher XXXX XXXX XXXX XXXX ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2018-07-10
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: Navient Solutions, LLC. (CA)

This complaint is in reference to complaint number XXXX which has been pending for quite awhile. For about a week this case has been remarked as follows, " Account information disputed by consumer, meets FCRA requirements. '' In the first place, it is absolutely false that it meets FCRA requirements and in the second, I was never notified about their conclusion. This account was originally bought by a debt collector called " XXXXXXXX XXXX XXXXXXXX. '' It has been bounced around, named as as an " educational '' debt when it is a false charge for rent and damages to an apartment that happened to be owned by XXXX XXXX University. It is between a landlord and an ex-tenant not a school and a student. It has been inflated by thousands of dollars and reaged by over 3 years. There is no way I am going to pay a dime on this account under these circumstances. As previously stated, I broke a lease, they charged me for 2 months rent on a {$700.00} per month apartment then they tacked on damages that absolutely never occurred. I offered to have a payment plan with them only on the condition that would release my transcripts and now it turned into this. The actions of XXXX XXXX XXXX are 100 % illegal and I will not work with them. They need to remove this account from my credit report or I WILL hire an attorney.