davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (NY)

I am writing to dispute an unauthorized account on my Equifax credit report. The account number is XXXX, and it is a XXXX account. I never signed up for this account or agreed to be an authorized user. I would like this account to be removed from my report. 

I have attached a copy of my credit report from Equifax that shows the unauthorized account. I have also attached a copy of my police report, which I filed after I discovered the unauthorized account. 

I believe that this unauthorized account was opened as a result of identity theft. I have been a victim of identity theft in the past, and I have taken steps to protect my identity, such as placing a fraud alert on my credit report and monitoring my credit reports regularly. 

I am requesting that Equifax remove the unauthorized account from my credit report. I am also requesting that they investigate the matter and take steps to prevent this from happening again. 

Thank you for your time and attention to this matter.
Consumer complaint received 2019-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

My loan is with Wells Fargo. The foreclosure trustee is XXXX. I have attached the XXXX listing along with my notice of default.

I have a notice of default dated XX/XX/19. I am in mediation and currently in a trial payment plan for a modification. I have no foreclosure sale date assigned to my property. I have not received a notice of trustee sale assigning a date. I am told a Notice of Default is not a publicly recorded record.

Why is it allowed for someone to plaster the internet to say that my house is going to be sold at auction? This is wrong. I am being hounded by phone calls and mail. People coming to my door. One man came twice even though I told him that there is no sale date and I am in a modification along with mediation that freezes the foreclosure process to stop a sale date from being assigned. I am even being texted. One man calls over and over and over again and will not stop.

XXXX XXXX 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)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items right away : XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) # # # # # XXXX Amount {$2400.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ;
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HONOR FINANCE, LLC (IL)

Honor Finance is reporting a balance of {$730.00}.

On XX/XX/2017, I spoke to XXXX who advised that the account was Paid in Full and that no balance was owed.

However, the report doesn't reflect that. After several disputes, the XXXX account updated to {$0.00} Paid after Charge-off, and then was later deleted all together, but on XXXX Only
Consumer complaint received 2022-10-07
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. (NC)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my requests. All the data is still the same. 

Here are the items I have sent to the bureaus requesting the verification. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-06-12
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. (NY)

I never granted permission for these inquiries Listed Below. That would make them unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like these removed IMMEDIATELY for it is in violation of the FCRA thank you
Consumer complaint received 2024-03-07
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. (PA)

I am attaching details my score should be XXXX they need to stop lowering my scores and finish removing all the fraudulent information off my report which is not suppose to be on there they are not complying with removing fraudulent accounts
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-06-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I currently lease an XXXX XXXX and went to trade it in early with a XXXX dealer. Infiniti informed me that they changed their 3rd party trade in policy. I never signed a contract stating that I agreed to that as the change happened XX/XX/XXXX my lease began XXXX of XXXX. They are telling me I am only able to trade in my infiniti to a Infiniti or Nissan dealer, the problem is theyre all giving $ XXXX less than XXXX bc they realize I have no other options. This is completely unfair to a consumer to be able to lock us into something we did not agree to and to low ball vehicles bc they hold the upper hand. Infiniti needs to be held liable. I was also informed by several dealers that they are doing this bc of the pandemic and new cars being scarce due to the chip crisis. They want all their vehicles back for personal gain although they lowball you in doing so. This is crooked business.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have submitted disputes before with TRANSUNION directly to them. However to no avail. After learning the laws that protect me as a consumer I am now executing my rights. TRANSUNION violated 15 USC 1681a ( 2 ) ( b ) as the items listed on my letter should be excluded from my consumer report. Additionally, I have included my written instructions for my consumer report. Lastly I didnt consent to having a FICO score.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (OK)

On XXXX XXXXXXXX XXXX XXXX charges were made to my account with US Direct Bank which I use to get social security payments. The amount was approximately {$530.00} as discovered by a customer service agent and myself. Also, XX/XX/2022, my card was used fraudently, again which was over {$1200.00}. I contacted customer service again, after being on hold for over an hour. The customer service agent gave me a list of charges and the dates. I was asked to submit a letter to US Direct Bank Fraud Dept. by XX/XX/2022 which I did, by fax to the number provided by the customer service agent. The letter included the dates given for the fraudulent charges and the amounts. I was given a case number. I contacted US Direct Bank the same day as I faxed the information to make sure the documents were received and they were. I was told by the customer service agent the process could take between 30-90 days for the investigation to be completed and I would be contacted by US Direct Bank by phone or mail. 
To this date I have not received either! Fast forward to XX/XX/2022, I was to receive my regular social security deposit. It was deposited and taken out which left me a negative {$450.00}!! I do not know what is going on. I've attempted to contact US Direct Bank again and no call rolls to a busy signal and hangs up!!!! I've been trying to call them since XX/XX/2022 and the hold times are ridicilous!! I finally got through on XX/XX/2022 and was hung up on by an agent. I am seeking the return of my money from XXXX, XXXX and XXXX. This has caused a lot of un-needed stress because US Direct Bank does not uphold their agreement. I've contacted social security agency and no one can do anything because US Direct Bank is a third party agency. I filed a complaint with the XXXX XXXX XXXX  XX/XX/2022 and discovered a list of over 100 complaints by others using this company. Please help!
Consumer complaint received 2015-07-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I was put into foreclosure by my mortgage company after being late one month and a few days. I entered into a repayment plan full of fees. On my credit report it shows me being late 3 and 4 months there is no way I would have been foreclosed on. I even paid the the repayment plan early. I disputed this credit bureau and they refuse to show I paid on time all those months. Had I been that late they would have foreclosed.
Consumer complaint received 2022-10-07
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. (NC)

My name is 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 2019-10-04
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: JPMORGAN CHASE & CO. (PA)

JPMCB Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply
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: EQUIFAX, INC. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; 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 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have previously disputed XXXX  XXXX through CFPB Account # XXXX for not reporting on my credit reports as an ( Authorized User ) on Acct # XXXX. XXXX XXXX responded back stating that they have requested XXXX and XXXX to report the account in which they have done BUT STILL ISN'T REPORTING THE CREDIT AGE OF 13YRS. I have the right to have the age reported by law in which I am intitled under the FCRA ACT.. 
XXXX XXXX XXXX are " ONLY '' reporting my XXXX XXXX Account & credit age of 3yrs. 
Transunion isn't reporting the account AT ALL.. Which was disputed THROUGH AGAIN CFPB # XXXX to add acct # XXXX to my credit report but instead of adding the account it was DELETED during the dispute WHY?. 
XXXX XXXX sent back a letter ON XXXX XXXX stating that they asked TransUnion to add my account back as a Authorize User on my credit report which Transunion stated that I was ineligible & refused. 
XXXX XXXX stated that I needed also for the primary card holder to contact them about the account add in which my son XXXX XXXX did and upgraded my permissions. XXXX XXXX stated as well that I would have to contact Transunion and update them on what's going on. 
I then called TransUnion about the decision that they stated to XXXX XXXX I spoke with XXXX from the dispute department, reading to her the notification email in which I received from XXXX XXXX about the account add. XXXX stated that the complaint would be expedited to their maintenance department for reinstatement because I never disputed for a removal if you read the dispute. I ONLY asked for an update. I spoke with XXXX on XX/XX/24 she said it will take 3 days for the maintenance department to contact me back on this matter for reinstatement.
Consumer complaint received 2022-12-04
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: ALLY FINANCIAL INC. (FL)

15 USC 1681 section 602 states i have right privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-28
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. (LA)

This is already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I a a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I requested Transunion to re-investigate my account with XXXX XXXX XXXX  Account # XXXX Transunion responded that it was verified that the account they are reporting under my name is accurate. Transunion failed to respond to my re-investigation within 30 days. 
I requested a re-investigation for the following reasons below : Dispute Reason INACCURATE Credit Reporting 1 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX? 
2 ) ON TIME payments XX/XX/XXXX through XX/XX/XXXX. 
How am I 90 days LATE XX/XX/XXXX and 120 days LATE FEBUARY XXXX XX/XX/XXXX? 
XXXX I was also under Title 10 Military status and fall under Servicemembers Civil Relief ACT ( SCRA Act of 2003 ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello! Please I would like to report Bank Of America. I had deposited XXXX dollars into their checking account on XX/XX/2021. Before XX/XX/2021 I was able to make purchase freely now I can only make a purchase with " XXXX '' only. I should be able to make a purchase for any merchant I please with my money. I also experienced difficulty accessing my account to check my balance. Late in the night I had to enter a code to get access. I requested the automotive service to contact me and the automotive voice did not work and I was unable to access the account. Also I receive an email stating that my balance was XXXX when I only used an estimate of XXXX XXXX dollars, after using the XXXX XXXX dollars I was able to purchase more items but the purchase could only be made at XXXX. I was blocked from making purchases from XXXX, XXXX XXXX, XXXX, and XXXX. Please investigate this matter I should be able to make purchases with any merchant. PS : Its Bank Of America in General
Consumer complaint received 2021-10-28
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2018-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (TX)

Received call from Ameritech financial about refinancing student loan several years ago. Did paperwork, payments were taken from checking account. In XX/XX/2018 received another call from Ameritech to renew student loan application. Gave requested info, updated XXXX account info. Received letter from XXXX ready lawsuit. Contacted Ameritech via email letter requested written update on my account. Never received it, sent another email, emails from Ameritech, XXXX XXXX, left messages, never spoke with him, never received requested account information. Each time I called got answering service. First email dated XX/XX/2018. No written response as of today, XX/XX/2018.