davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Overland Bond & Investment Corporation (OH)

I sent a letter to Overland Bond back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX   and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.
Consumer complaint received 2019-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

Money was transferred through www.TransferWise.com to a bank account that belongs to a fraud/scam. 
XXXX Euros on XX/XX/XXXX XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 The fraud 's bank information : Name : XXXX.XXXX.XXXX.XXXX.XXXX Address, : XXXX XXXX XXXX : XXXX XXXX XXXX..XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Address : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Swiftcode : XXXX XXXX XXXX
Consumer complaint received 2019-04-21
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. (MO)

I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-21
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. (MO)

I've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-04
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-07-06
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. (GA)

On XXXX the XXXX, XXXX  I submitted a dispute with Transunion XXXX XXXX about a company that's reporting a charge off on my credit that have been sold to a collection company. I never gave the creditor consent to share my personal information.Transunion have not responded to this complaint as of today.
Consumer complaint received 2019-04-21
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. (MO)

My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.
Consumer complaint received 2024-03-02
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)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted transunion XXXX and XXXX. Nothing has been done. A lawsuit is next
Consumer complaint received 2019-04-21
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. (MO)

My identity has been compromised and the aftermath of this tragedy is that I'm suffering from accounts being reported inwhich I do not have any contract with nor any other knowledge of. I'm asking for the three major credit bureaus to remove these unauthorized fraudulent accounts. ( 1 ) XXXX XXXX XXXX {$17000.00}, {$16000.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$270.00} I'm demanding that these accounts be blocked from my credit report.
Consumer complaint received 2018-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
Consumer complaint received 2018-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NY)

In XXXX I was put into a loan modification program which I completed. I made my 3 trial payments on time starting XX/XX/XXXX and completed it XX/XX/XXXX. Was notified I will be given a letter of my monthly payment, but was told it over the phone. Since that time I have been making my monthly payment with no problem and haven't missed a payment. They turned my file over to there law firm anyway and in XX/XX/XXXX sent me a letter stating that my loan modification was denied and they wouldn't speak to me. I contact the law firm that was associated with the bank and they refuse to speak with me which resulted in me paying more money to hire an attorney. The attorney stated as long as they are taking your money out the bank don't worry about it. 
This is predatory lending because they are keeping me in limbo messing up my credit, my bank account and loan. Now since I said this needs to be resolved and if not I will file a complaint they stop accepting my checks and is trying to take my house. 
They have financially cause me a lot of problem and I need this corrected.
Consumer complaint received 2021-02-10
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2023-08-18
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-18
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC (FL)

In 2013, at the age of XXXX I decided to open a account to receive XXXX for my XXXX  initially I didnt need it but I felt like I wanted a more structured XXXX. when I went to the XXXX  in XXXX XXXX The XXXX  himself said the XXXX were not needed, since I wanted a straight, more structured XXXX   obviously my treatment would be small and minute I still agreed to go through with my XXXX, upon signing up I was asked to pay from $ XXXX that would start the process is well as put the XXXX  in my XXXX, every single appointment had to be paid In advanced Or prepaid should I say due to the fact that I was a college student and thats the way they did business, I had no problem with it with that being said I was seen about 4 to 5 times and every time I went to the XXXX  I paid in advance they were aware that I was back-and-forth to college as well as them not having it alternative orthodontist for me to go to my College area I would have to call & reschedule my appointment in order for me to get to the city of XXXX to be seen by them, within Time in multiple rescheduling they attempted to collect money for me, but if I hadnt been seen or any procedure had been done in my mouth why would I pay them? There was no obligation so with that being said they decided to put me into collections without any notice or any warning, we can put them in collection they decided to place a debt in my name over {$2200.00}, Which is not owed to them in anyway shape or form no procedure have been done in my XXXX  and everything that I have gotten from them had been pre-paid in advance. They never called, gave me a warning and or spoke to me about being placed a collection they have never tried/attempted to remove this off of my credit I have attempted to numerous occasions about reaching out to them trying to speak to the doctor herself etc. and they refuse to communicate with me they continuously forward me to a Debt collectors I am reaching out to you at the consumer financial protection bureau for help
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IN)

immediately after closing on our house, our mortgage was sold to a mortgage servicer ( Planet Home Lending, ) a year into paying our mortgage, PHL sent a letter w/ the mortgage statement saying that we needed to pay {$340.00} more than our mortgage payment because our escrow was short. We paid it & then the next month, we got the same letter w/ the statement asking for another {$340.00} for the same reason, we paid it. The next month the letter w/ the statement asked for {$290.00} over our normal payment. We paid it. The month after that, we received a letter stating that our new monthly payment would be {$1300.00} as opposed to our payment we normally paid which was {$1200.00}. Being that I was a XXXX XXXX XXXX  myself, I caught the error, I could tell that when they were estimating the taxes, they looked at the previous year. The previous year the house was owned by an investor so the taxes were over double what we pay with our homestead exemption. I called them and spoke to customer service and explained what I believed had happened as well as sending them the actual tax bill for the current year showing much less than what their letter stated the taxes would be & they told me they would do an escrow analysis & get back to me. The responded that their analysis showed that they were correct & we would have to pay {$1300.00} from then on. Even though I still knew they were wrong, we went ahead and paid what they asked because we didn't have time to fight them over it. After over paying our mortgage for over a year, I finally had enough & I went through and created a spreadsheet showing their statements, our payments, the escrows etc ... my spreadsheet showed very clearly they were over charging. I sent it to the VP of finance. Within a month she sent us a letter stating : " At this time we are reviewing the loan to ensure a thorough response, upon completion of our research, we will respond to your inquiry within any timelines required by applicable law or regulation. '' That letter was dated XX/XX/XXXX and today is XX/XX/XXXX and we still have not heard from anyone. They did however drop our mortgage payment back down to where it originated and actually {$3.00} less, yet they follow that up by saying we'll have to pay {$45.00} more the month after that. Still no explanation, apology or reimbursement for the {$980.00} they over charged for the 1st 3 months they miscalculated our taxes/escrow or the {$84.00} a month they over charged for over a year. I tried to contact the VP that wrote the letter saying she'd look into it, she said I would have to contact customer service & customer service refused to speak to me. I tried calling them 3 times today & each time after being on hold for a while their end hung up on me. I have the spreadsheet, their letter and all our mortgage statements and escrow information available if you'd like to seem them. Thank you for your time.
Consumer complaint received 2023-01-27
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. (PA)

My name is XXXX 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.
Consumer complaint received 2019-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Submitted 3 written requests and 7 phone calls to have my credit report corrected. Transunion incorrectly combined my account with someone else. I was able to have the incorrect name, address, place of employment removed. Then called to have incorrect accounts removed which were. The second and third letters were regarding two bankruptcies that do not belong to me. They did not remove on the second letter but did not change information. The third letter included the court dockets to show the other persons name and SS # and rather than removing the bankruptcies, they readded the other persons information back to my report. All other credit bureaus are not including this information.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX