davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VT)

XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX XXXX  SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2022-12-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received a letter from your bank company, Bank of America, which indicate that I have some disputes on my account ending XXXX Since I do not recognize which account you mean, I need to ask to clarify me which dispute you mean. As far as I remember, I complained about my dental issue/grievance to your bank, since your bank is my main bank. Or this XXXX account might be my joint account, which shares with my legal son. I request the clarification. 

Sincerely,
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on Experian and XXXX : XXXX XXXX XXXX XXXX XXXX ( Experian & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX  ) Experian have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I am selling the property as a short sale. The short sale approval took almost a year from the first lien holder but it was approved. The second lien holder could not be located. It was originally with XXXX, then the FDIC and lastly with XXXX XXXX. Called XXXX  and they said they closed down and sold their assets. They looked up the loan and said that this particular loan remained with the FDIC, even though XXXX currently still showed XXXX as the servicer. 

The FDIC said they do not have the loan and that XXXX had it. Upon contacting XXXX they said they do not service loans and are only acting in the capacity of a nominee for the servicer. After explaining the problem they said they can help provide a release of lien if it was with the FDIC at one point which this was. So I sent them what they requested. At this point the short sale approval had expired and the bank put a foreclosure sale. I didn't think that XXXX  was going to help and the first lien holder felt the same way so I thought I was just going to get foreclosed on because there was no way to find who the debt was owed to on the second mortgage. 

Then XXXX  responded and said they are recording a release this week. I immediately informed the first lien holder and they said that's great but they don't know if they can postpone the sale. They suggested filing for bankruptcy but that's not an option. I explained that only they can request a postponement and they said they would try. 

The sale is for tomorrow. The buyer is still willing and able to close in two weeks if the first mortgage can provide a new short sale approval, which they said they could. 

When all seemed like there was no way to avoid foreclosure now there is a way to close the sale and avoid foreclosure and I'd like to be able to do that. 

Please help.
Consumer complaint received 2021-12-23
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 no relationship with XXXX XXXX XXXX that is reporting on my credit report. It's been over 2 years and I still have zero information about this company, or any proof of this collection. If no one can provide me with any information, it needs to be removed immediately.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (PA)

My XXXX XXXX XXXX was stolen and the insurance company paid the claim. After the insurance paid the claim I was still left with a balance. In XXXX I made a settlement and upon payment this debt was to be removed from my credit report. This is causing me not to be able to get a vehicle.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to reach the claims/ fraud department for over 5 business days with no luck. I have fraud claims that were denied. I have tried to appeal said denials with no luck. I was told to contact fraud department by, however, I was not able to connect due to long hold times in excess of 1 hour. Today I was told that the correct department is claims which is only opened XXXX XXXX hours. Not being able to get a resolution I asked Bank of America reps what regulatory agency I could complain too and was told none, just their corporate office. Bank of America is breaking the law by stating that they are not regulated by any outside agency such as the CFPB. They are making it difficult for me to speak to claims and the purposely lie. I have filed a complaint with Bank of America, however, I dont believe anything will be looked into. Their staff is ill trained, lies. Anyone that has access to my account and can speak to me about met account needs to be trained in the laws associated with my account. For them to tell me they are not regulated by any federal agency means they are being malicious. They need rot be fined. I need my claim matter dealt with hold times of XXXX hour + are not acceptable. Them breaking the law is not acceptable.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-23
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. (NC)

This information is fradrglent and does not belong on my credit report. This information should be removed from my credit file. Any information used in your investigation should be sent to me via mail.
Consumer complaint received 2018-06-29
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. (AR)

XXXX XXXX PULLED MY CREDIT ON XX/XX/2018 AND NEVER SENT LEETER OR VALIDATION. CEASE AND DESIST COLLECTION EFFORTS ANS CEASE CONTACT.
Consumer complaint received 2022-02-23
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. (TX)

I've been reporting these accounts XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, Experian, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

This is respond recieved after requesting for services the services are complete and was mistreated in the office We have received your request and reviewed your claim. 
Your claim is : Claim # : XXXX Claim Status : closed Additional information ( if applicable ) : Your claim was not approved because merchant supplies compelling evidence or justification that disputed transaction is valid. You would have to dispute transaction with merchant directly If you have any further questions please don't hesitate to reach out to us.

Thank you for choosing Chase.

Sincerely, The Retail Claims Team
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX, XXXX - XXXX
Consumer complaint received 2015-03-26
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I APPLIED FOR A MORTGAGE LOAN IN XXXX WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR {$250.00}, XXXX. I FOUND A PROPERTY AND I OPENED ESCROW ON XXXX XXXX, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND XXXX MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, XXXX, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY XXXX. HE REPLIED BY SAYING THAT THE XXXX BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY XXXX JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR XXXX XXXX, 2015. ON FRIDAY, XXXX XXXX, 2015, A XXXX PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON XXXX XXXX, 2015. ON MONDAY, XXXX XXXX, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY XXXX TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF THE INFO. I GOT ALL MY PRINTED MATERIALS FROM THE XXXX IN CALIFORNIA WHO ISSUE THE CHECK TO MY ACCOUNT FROM MY EX-HUSBAND 'S XXXX WAGES. HE KNEW ALL THAT INFORMATION AND HE ACCEPTED THAT ABOUT XXXX WEEKS BEFORE THE CLOSE OF ESCROW. I WAS VERY TRANSPARENT WITH HIM. I WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY XXXX JOB OR MY XXXX JOB. I EXPLAINED THAT IF MY EX-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY XXXX JOB. HE SAID OKAY. HE CALLED ME THE NEXT DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, XXXX XXXX, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A XXXX OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A XXXX LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.
Consumer complaint received 2022-02-23
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. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, Experian and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is sending emails demanding payment when I have written to them and provided proof I am not the correct person, I have signed registered mail they received my response to their attempts. Ive also filed a complaint with CFPB but they continue to attempt to collect from a third party who does not owe the alleged debt. I have an attorney wanting to take the case on contingency and I am providing his law firm with all the documents Ive already provided in my attempt to have Bank of America stand down on their attempts to collect from a consumer who has already provided the legal response necessary for them to cease and desist voluntarily.
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the fair credit reporting act convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXXXXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX DIST CT Bankruptcy XXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account 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 written instructions.