davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IL)

Subpoenaed XXXX XXXX XXXX to produce record of information it submitted to MrsBPOLLC re : fraudulent, delinquent XXXX Account # XXXX which resulted in me being victimized by their collection tactics. MrsBPOLLC is not a party to this action, however, MrsBPOLLC disclosed my confidential information without my knowledge or consent. MrsBPOLLC has not closed account, has not acknowledged that debt does not belong to me, and has not removed XX/XX/20 inquiry on my credit file as a result of this fraudulent activity and thus having no permissible purpose.
Consumer complaint received 2021-04-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanUnited.com, LLC (NC)

2 loan officers represented a certain company did a bait and switch told many lies and misrepresented their company. and they made threats to me about loan in any future contract. XXXX a manger thought he was XXXX said he was it like he owned loanunited. XXXX WAS BAD FROM THE GET GO. THESE TWO WITH LOANUNITED OUT OF GA. Please if you deal with loan united. Stay far away from these 2.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX 2017, someone gained access illegally to my Serve account by American Express and proceeded to not only delete the funds in the account, which was {$72.00}, but also gained access to my XXXX Checking account which was used as a funding source to the tune of {$1200.00}. American Express refused to immediately close my account, as it was compromised. As a result, I had to close my accounts with XXXX XXXX and open XXXX different accounts, as my original accounts were compromised as well. American Express then blocked access to my Serve Account, responding that I had violated Section 16B of the Terms And Agreement. I have not received a refund for my account that was closed, nor did American Express protect my Serve Account from being hacked, and thus compromised.
Consumer complaint received 2022-12-16
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. (CA)

The XXXXXXXX XXXX XXXXXXXX sold me a vehicle with a price tag of XXXX when all was done the price went around XXXX for a loan to get the vehicle. They ran my credit XXXX times and then after I was approve the charged me a XXXX XXXXXXXX XXXX down payment.
Consumer complaint received 2021-12-09
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: Experian Information Solutions Inc. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2022-10-12
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I was given a forbearance by SLS in XX/XX/XXXX. When it came to resuming payments I asked if the 6 months could be added on the end of my mortgage but was told my only choice was to get a new 40 year mortgage where my payments would be approx {$2400.00} per month. During this discussion I resumed payments and as you can see from the attached statement from XXXX  XXXX XXXX, I have paid my mortgage monthly, EARLY and MORE than was actually owed. During this time SLS has reported me TWICE as being delinquent and my credit score has dropped 149 points. I have gone from having excellent credit ( which I worked very hard for ) to having bad credit and have been subsequently turned down for credit due to this. I called SLS in XX/XX/XXXXand they completely admitted being in the wrong and said that they would make it right. But then in XX/XX/XXXXit happened again. Once again I called SLS and was promised a letter and notification to the credit reporting agencies letting them know it is inaccurate. When I checked my credit score it just says that I made my account current, not that I was never delinquent so my credit score remains low. I have asked them to make this right and am not getting a satisfactory answer or resolution. They also processed a charge for an inspection in XX/XX/XXXXwhich did not happen. Please help!
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CT)

I was given a Vanilla Gift Card worth {$500.00} as a gift from my employer in XXXX XXXX. I tried to use the card for the first time on Friday, XX/XX/XXXX. My transaction, which was less than {$500.00}, could not be processed, which made no sense to me. I logged into the Vanilla site using my card number and saw that XXXX fraudulent charges had been made on XX/XX/XXXX totaling {$290.00}. I called Vanilla to report the fraud. The representative advised that the card had been used in CA and XXXX of the charges was at a XXXX. The representative canceled the card - including any access to the {$200.00} remaining. I was emailed two pages to fill out with details and information, which I did. I returned this information to the dispute department and received from them a confirmation email on XX/XX/XXXX. That confirmation email ( pasted below ) indicated that I could expect resolution on this matter in 90 days or less. XX/XX/XXXX marked 90 days, and I have yet to receive any update or resolution. I have emailed the dispute department XXXX times, with not a single reply. I called customer service today, XX/XX/XXXX and was informed that no notes have been made on my file. It seems as though I have been defrauded not only via the initial theft of funds on XX/XX/XXXX, but also by Vanilla Gift Cards, who took the balance of my funds. They not only have done nothing about the stolen amount, but seemingly are content to hold onto the funds that the thieves didn't steal. This all feels like a giant scam. They have my name, address and phone number and I don't have a single name of a person there. My dispute case number with them is XXXX. 

Email from XX/XX/XXXX Greetings, Your dispute packet has been received and forwarded to the Dispute Department for review and investigation. Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date, however, most are resolved before then. If additional information is needed, you will be contacted via email. 

Please include your case number on any communication regarding this dispute. 

Thank you This mailbox is not monitored, any correspondence should be send to XXXX. 

DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX PAYMENTS | TECHNOLOGY | INNOVATION
Consumer complaint received 2019-06-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF XXXX XXXX XXXX OF ALLEGED ACCOUNT.
Consumer complaint received 2017-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name XXXX XXXX XXXX, and Bank of America is reporting an account that is not mine. I have done several disputes with all XXXX credit bureaus and XXXX and XXXX have deleted the trade line but XXXX has not. The account number being reported is Bank of America # XXXX, opened on XX/XX/2006, and the balance is {$11000.00}. I have even filed a police report in the city of XXXX Texas and sent this to Bank of America but the trade line continues to reflect on my credit and it has affected me so negatively that I am not able to purchase my home. I would appreciate any assistance you can provide since I have exhausted all other avenues in getting this removed from my credit report. Regards. XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX 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 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This fraudulent Capital One credit card account was opened on XX/XX/2019. I have no knowledge of this account. I have tried several procedures to have this account deleted from my credit report. As I didn't know the proper steps to take this fraudulent account just remained on my credit report. I have contacted Capital One directly about this complaint. They did nothing. I even paid the account off through their collection department in hopes that the account would be deleted from my credit report as told to me by a representative on the phone. This account remains on my credit report and is affecting me dearly at the time of this PANDEMIC ( COVID-19 ). Capital One has no signature bearing my name in wet ink on no contract validating this account. This fraudulent Capital One credit card account should be deleted from my XXXX  credit report immediately.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is probably the 5th complaint about the same issue regarding Bank of America and their unfair business practices.

1. They are not investigating disputes. I disputed several XXXX  charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. I have 3 disputed XXXX  charges for rides that I did not take.

2. These charges have caused my account to become overdrawn and then the Bank charged me overdraft fees. My concern is that they will close my account as they did my savings account and make a negative report to the credit bureau. I don't care if the account is closed, but I want these issues addressed first.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following is the only name. address, date of birth, and employer that should be put on my report : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2021, I called the company 's Mortgage line to make a payment on my existing mortgage for XXXX in the amount due for that month, including a fee. After making a payment through the automated system. 

On XX/XX/2021. I received an alert from my credit monitoring service, XXXX, showing a late payment alert from this lender. As it was after XXXX pm on a Friday, I could not call into the mortgage department and speak to a representative in this department to attempt to rectify this issue. At that time, this institution also had no support in the mortgage department during the weekend. On Monday, XX/XX/XXXX, I called to make the error known and note I previously called into the automated system to make XXXX 's mortgage payment. The mortgage representative stated that they did not receive the payment through the automated system. I let them know that this may be a system error but made a payment that morning to satisfy the error.

The automated phone system is the method that I have used to make payments over the last three years, almost 85 % of the time, to make my payments on this loan. Although this system has been reliable, I have had a prior incident with the automated system not applying a payment which was later corrected.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

We refinanced with Amerisave in XX/XX/XXXX. They were supposed to pay our first property tax bill in XX/XX/XXXX through escrow. The escrow was completely paid for at closing. They didn't pay the XX/XX/XXXX tax bill. 

I called Amerisave on XX/XX/XXXX and sent them another copy of the property tax bill. Since then. I have called Amerisave 10 times and each representative has told me they will take care of it within 2-10 business days. Meanwhile, I have hundreds of dollars of overdue tax fees on the tax account. One of their representatives told me it was Amerisave 's responsibility and that they would pay the overdue fees and tax bill. Yet, no one is paying the bill. 

It still isn't paid and today ( XX/XX/XXXX ), I received an email from them saying they needed to " research '' the situation. I am genuinely concerned about losing my home and the hundreds of dollars in overdue tax fees that have accumulated due to their lack of service.
Consumer complaint received 2023-01-12
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: AMERICAN EXPRESS COMPANY (MS)

I PREVOUSELY COMPLAINED TO THE CREDIT BUREAUS AND FILED A COMPLAINT WITH CFPB THAT I DID NOT WANT AMERICAN EXPRESS SHARING ANY INFORMATION TO THE CREDIT BUREAUS. I FILED THIS ON XX/XX/XXXX WITH YOU, CFPB, AND MORE THAN 30 DAYS HAVE PASSED AND THE CREDIT BUREAUS HAS NOT RESPONDED TO MY COMPLAINT FOR PROOF. XXXX RESPONDED ON YOUR WEBSITE ON XX/XX/XXXX THAT THIS IS MY ACCOUNT, BUT DID NOT PROVIDE PROOF OF SHARING PERMISSION FROM ME. 
AND I REQUESTED PROOF FROM AMERICAN EXPRESSED THAT THEY RECEIVED PERMISSION FROM ME TO SHARE MY INFORMATION WITH PROOF. XXXX OR AMERICAN EXPRESS DID NOT DO SO WITH 30 DAYS. NOR DID THEY GIVE A LEGITIMATE FOR AN EXTENSION OF TIME. 
I WANT THIS ACCOUNT IMMEDIATELY REMOVED FROM MY XXXX CREDIT BUREAUS.
Consumer complaint received 2022-03-26
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-03-26
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-08-24
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)

last XXXX I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.