davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Grandmas savings account has been on an XXXX hold since XX/XX/2019. Today has been 92 days. They have overdrawn her account -XXXX We have called numerous times, we have gone to the branch numerous of times and have only been told the account is under investigation and there is NOTHING we can do but to sit and wait. Well bills don't wait, and this has caused my Grandma to get a lien on her home, and to be evicted from the group home she is staying in, which is almost making her homeless, did I mention she is XXXX years old? This has harmed her health, because she is completely frightened by this. She gets her social security deposited in her savings account, which is her income and they have not let her access it. I have even brought in bills proving she is behind and if they would just allow her to directly pay her bills, but no, nothing. 
This is a nightmare, and Bank Of America has done this to numerous of customers and I don't believe this ethical, nor legal. I believe everyone has a right to at least know, what is going on with their own money.
Consumer complaint received 2019-09-05
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. (HI)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/2019, PennyMac was contacted regarding the VA 's approval for my Veteran ex-husband to take over the loan for a previous joint loan we secured on our main home. This was a court ordered agreement that he would retauin the home and through the VA process, securing the loan in his own name. PennyMac was provided with all approval documents in XX/XX/2019 and has failed to process the loan in 6 months. They have been called multiple times over the six months and have refused to do anything to investigate or expedite the processing of this loan, removing my name and placing the loan in the name of my Veteran ex-dusand, who now holds the title to the property per a court order. 

My social security number XXXX The property is at XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2023-06-26
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Inter-Cambio Express, Inc. (SC)

At XX/XX/2019, I sent {$660.00} dollars, to XXXX using the company Intercambio Express, they  promised money will be available within minutes however my beneficiary so far has not received the money and the wire company said they sent the money but they can not give me a better answer after talking to them over the phone five times.
Consumer complaint received 2022-07-27
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. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (TX)

I have contacted XXXX callers inc. and to no prevail have received no information.I have no knowledge of this account and have never heard from or dealt with this company before. I am a victim of identity theft and believe that this account is a result of identity theft.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Horrible company! I hav tried multiple of times over the past year to resolve this issue. This is NOT my debt! They keep calling and I keep telling them this is not mine. Ive disputed this through XXXX twice and they keep closing the dispute stating that its my debt. I am laughed at when I tell them its not my debt. Very unprofessional and rude. 

Take this off my credit, please! Identity theft, clearly.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2018-11-25
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. (IA)

I have disputed accounts on my XXXX report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere
Consumer complaint received 2023-03-26
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. (MD)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-30
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. (FL)

A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. Also, I need to make XXXX and Equifax aware because I believe this will be reported as well at some point.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

This complaint is against the Mortgage group of Navy Federal Credit Union. I was charged twice for a credit check even though they have a " credit dashboard '' which displays my credit score daily. 
Most aggravating was the way they held me hostage till the very last minute with regards to the information and documents required from me to close on the transaction. 
The application process was started over 90 days before the estimated closing date. I asked them numerous times ( I have the emails to prove it ), to let me know all the documentation and supporting information that their Underwriters would need. 
I was continuously assured that everything was on schedule by the Loan Officer. But the Loan processor who was the mouth piece for the Underwriters kept surprising us with new requirements. Three days before closing I was told that I needed to submit a " flood certificate '' for a property that was not being financed. After rushing through rush hour traffic and an hour drive across town to look for the document I got a message after 4 hours that it was not needed. 
A day before the closing while we were driving across the country I got a message that an insurance document was needed from the XXXX XXXX. A few hours later I was told it was not needed,. 
Mortgage companies should be held to a firm time table.and accountable and not subject consumers to last minute demands. i.e. no demands should be made, if the customer has complied, say within two weeks of closing. 
NFCU 's mortgage process is dysfunctional and very customer unfriendly...
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AZ)

I have called Ability Recovery services multiple times for a debt on my credit that is not my responsibility to pay as it was paid by insurance for a medical claim. I have requested supervisors, none return my call. The representatives I do speak with are extremely rude in tone, and verbage. I have been trying for 6 months to have this debt removed from my credit. I have disputed, because it was paid by insurance and they confirmed my reason for disputing but did not remove it. I have been hung up on when requesting a supervisor as well. I have not had any success with this debt being removed.
Consumer complaint received 2018-11-25
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 recently sent letters to all three credit reporting agencies Experian, XXXX and XXXX regards to XXXX XXXX XXXX XXXX. It saying that I opened a account in XX/XX/XXXX. I never opened up this account. They are saying I have several missed payments. They are saying that the s account is going to. Affect me to XX/XX/XXXX.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Closed all my account, Including Checking and all credit cards without giving me any reason. 
It really impact my daily life. It happened two weeks ago, XX/XX/XXXX. 
I look it up online and the possibility For Chase might closing your account, i have done none of those. 

Thanks
Consumer complaint received 2018-11-25
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)

XXXX XXXX XXXX is reporting false and incorrect information. I never opened an account with them in XX/XX/XXXX.. they reporting I owe them {$3100.00} and I had 8 missed payments. They are telling me that the item will be on report until XX/XX/XXXX
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (AL)

I have been working to get this inaccurate information removed from my report for three months now going on fourth months soon. I started sending letters to the bureau on XX/XX/2021. They have ignored them all. They are not doing their jobs and must not have anything on these account.
Consumer complaint received 2022-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (IL)

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with SPEEDY CASH XXXX but can not produce a trust or contract. They are a third party debt collector. SPEEDY CASH XXXX has lost their right to do business and collect in the state of Illinois. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (OH)

Well, its kind of been a snowball effect ever since I got my first payday loan. They have identified me as prey in their predatory loan schemes. I have been struggling to keep my head a float but now I am completely submerged and drowning. My bank account has not been a positive number for nearly a month. I have 5 payday loans in the state of ohio for amounts of {$1000.00} to {$300.00}. I can't pay any of my other bills, or afford the overdraft fees my bank have XXXX me with. XXXX XXXX has not been understanding of my financial situation and I can't get a loan to consolidate because of my recent credit history, utilization and delinquency. I can't pay my bills, yet XXXX, XXXX, spotloan, XXXX, XXXX, XXXX, are robbing me of every dollar I make. I don't know how to resolve this situation and I can't work enough hours or make enough money to end this cycle. I tried by getting a unsecured loan for XXXX but have now gone into default with this loan as well. My credit was starting to get better, but after an unexpected expense it has led to this. I am severely afraid for my financial future and need some one to protect me from these predatory lenders.
Consumer complaint received 2023-03-26
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. (FL)

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # 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 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 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

The representative and I was discussing options on paying off an old credit card debt. The only reason this account became behind is because my son past away. when I was discussing my options of settlement or pay in full the representative said if I paid in full the account would fall off and be deleted off my credit report XXXX, XXXX, and XXXX XXXX. the account is still on my credit report affecting it negatively. I paid the account in full on XXXX XXXX thru XXXX I spoke to XXXX XXXX from Bank of America. He said he put in a request to have the account deleted off XXXX, XXXX, and XXXX. he gave me a dispute number of XXXX his number is XXXX Extention XXXX I had conversation on XXXX with XXXX XXXX who admitted to not listening to all audio from this case. how can you conduct a proper investigation without listening to all audio? Bank of America is cover there tracks and are nothing but liars.
Consumer complaint received 2019-09-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (CA)

On XX/XX/XXXX, I received a call from someone who claimed to be a debt collector informing me that I owed {$500.00} to a school I previously attended in XX/XX/XXXX. Prior to the call I was never notified through the mail, email, or over the phone. I informed the woman on the phone that I knew this could not be correct and that I would not pay the fee until I contacted the school. 
Immediately after ending the call with the " debt collector '', I called my school and explained the situation, and a woman named Mrs. XXXX said she would look into the situation further and would call me back. 
I waited two weeks and still had heard nothing, so XX/XX/XXXX I called the school and spoke to Mrs. XXXX and was able to get the situation resolved. The same day she was able to send to me proof that I didn't owe the school the {$500.00} and that it was a mistake on their part.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a complaint due to a request submitted to Experian to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received a response OR any verification documents to prove that this account was ever late! Experian instead closed the case stating the creditor verified that it was late. 

Late payments in question : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

I had an account with Onemain Financial that was charged off and sold. Onemain created a duplicate of that account without my authorization and reported the account with a balance. This duplicate account has the same open date and same charge off amount as the original. As a result, my credit report reflects two separate charge offs from Onemain for the same debt. I have disputed the duplicate account with the credit bureaus, but Onemain verifies the duplicate account as accurate. I disputed the duplicate account with Onemain and they simply updated the status to show " Reached an agreement with a lender to repay only part of the original debt '', which is not accurate because I never attempted to reach an agreement with them and I never paid any money to settle this duplicate account.