davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Consumer complaint received 2023-04-10
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2020-09-16
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. (TX)

INFORMATION Inquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone through an Experian Specialist by calling XXXX. 

SORT BY Recent Alphabetical Hard Inquiriesshow tooltip button XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX - XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online
Consumer complaint received 2019-04-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (VA)

This complaint follows and complaints numbers ; XXXX, XXXX andXXXX. The complaints are all related to the same loan and are hereby incorporated by reference. This will be my final complaint filed with the CFPB regarding this matter but it an important because it underscores the issue set forth in my initial complaint. 

The issue from the outset has been a lack of transparency and honesty by representatives of the American Advisors Group regarding the basis for the denial of a reverse mortgage loan my wife and I applied for in XXXX of XXXX. Since we had never been denied a mortgage loan in our 45 years of marriage, had credit scores over XXXX and a net worth more than three times the amount of the loan we requested we were taken by surprise. In  XXXX of XXXX I wrote a letter to the CEO of AAG stating my concern that someone in the process may have seen our drivers licenses, that were collected during the process, and decided they did not want my wife and I to get the loan because of our race. Next came a call from an attorney for AAG, XXXX XXXX and a conference call with three AAG employees for the stated purpose of explaining why the loan was not approved. Then came the series of CFFB complaints and replies from AAGs XXXX XXXX, Complaint Resolution Manager.

Mr. XXXX role has been simply that of a gatekeeper who denies or rephrases every issue with the hope that the complainant will simply go away. While this will be my last CFPB complaint on this matter it is not because I am going away. I will be filing a HUD complaint as a prerequisite to Federal Court filing, which I have one year from the time of the incident to file. I do not believe I will be able to get answers to from AAG without the legal discovery process.

The only reason I filed this final CFPB complaint is to put into the record that AAG has made yet another claim that is not true. Mr. XXXX claims that a copy of the XX/XX/XXXX Statement of Credit Denial,  termination or Changesent on XXXXwas delivered to your residence on XX/XX/XXXX at XXXX XXXX. I am attaching to the complaint an Affidavit signed by me, under penalty of perjury, stating that no such letter was included in that mailing. This is a critical document because it will officially establish AAGs basis for the denial of the loan. 

As I have noted in my previous complaints, my wife and I have yet to receive written notice that the loan was denied and why. AAG has asserted that HUD guidelines prevented them from approving the loan. If this is so they should simply cite the relevant rules. As I have said from the outset, my only concern is determine if discretionary decision were influence by illegal discrimination.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MD)

I am tired of the bank taking money from me in fees intentionally. I let them do it once before but this has gone way too far. I am being charged for items that don't even post to the account. Not to mention I put the cash in the account before I spend it to ensure that it is there. I have a witness this time that saw me put the money in the account and I took a screenshot of the funds before I made the purchase. This needs to be addressed as it takes advantage of consumers like myself. I don't work to pay fees to the bank. I am sad that I have even added them as my direct deposit for work just because of this. Charging for items not even posted to the account when I can't ' even dispute a transaction that has not yet been posted is a setup. I use the app to manage the account and now the bank is telling me that it is not an accurate source. I agree to have owed 2 fees and some money but not {$600.00}, that is just crazy. They took over {$100.00} in fees the week prior. I will fax over the items I have and a statement may also be attained from my witness if needed. Lastly, items that are not in a preauthorization status are able to be withdrawn and has me in trouble now with XXXX. The bank also allows them to hit the account without permission. The bank picks and chooses when and what it wants to pay and that is not right. However, my concern is the fees that were allowed to be taken from me when I am trying to build a good banking relationship in good faith.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

My schedule a payment on XX/XX/XXXX. 
For the full balance. 
Of {$820.00}. The first and I spoke with on the retention team tried to keep me so he offered to take the late payment away. 
And reply my payment and I agreed to that. 
Now I am receiving collection letters and emails. 
Stating that I have a large amount do because the representative never reapplied the payment. 
At the very lease I would like to have the recorded calls listed to for further proof as to what has happend.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

It is equifax and they wo n't let me. When ask the identifying questions, they show XXXX items including a mortgage and XXXX credit cards, none of which are mine. Then they wo n't let me go any further. They also have an incorrect address for me on XXXX XXXX XXXX, in Mississippi. Which they wo n't take off
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to request documentation regarding an account with XXXX XXXX XXXX that has been reported to the credit bureaus. 

Despite the passage of over 60 days, I have not received any communication or documentation from either the credit bureaus or XXXX XXXX XXXX regarding this account. Specifically, I have not been provided with an original contract or any documentation bearing my signature pertaining to this account. 

As a consumer, I have the right to request and receive documentation verifying the validity of any reported account, especially when it concerns financial agreements. Therefore, I kindly request that you provide me with a copy of the original contract associated with this account, as well as any supporting documentation that verifies my agreement and signature. 

Additionally, I have contacted the credit bureaus to inquire about the investigation process regarding this account. I kindly request that you also provide details regarding the investigation process conducted by the credit bureaus in relation to this account. 

Your prompt attention to this matter is greatly appreciated. I kindly ask for a response within [ specify a reasonable timeframe ] days to ensure timely resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-11
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} Consider this complaint as my follow-up to make sure that the listed accounts are verified immediately
Consumer complaint received 2019-09-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank sent me a coupon in the mail for a {$200.00} bonus after opening a Chase Savings Account with {$15000.00} in new money deposited. 

On XX/XX/2019, I opened a new account at the Chase Bank, XXXX XXXX, Branch XXXX. I opened the account with {$15000.00} in order to qualify for the {$200.00} bonus after 90 days. I gave the coupon to the personal banker, XXXX XXXX, when opening the account. 

On XX/XX/2019, I inquired about the {$200.00} bonus. Chase Bank indicated they have no record of a bonus coupon and I will not be receiving any bonus. I contacted the branch manager XXXX XXXX who confirmed I will not be receiving the {$200.00} bonus. He said the bonus is for customers who plan on opening additional accounts and accused me of taking advantage of Chase. I advised him that I received the coupon in the mail, opened the account with {$15000.00} as required, and expect to receive the {$200.00} bonus. 

I advised him I would be filing a complaint. He said Chase doesn't want to do business with me.
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (NC)

i do not live in that state and have not lived in that state for years or at any time the charges incurred. I have no knowledge nor have i approved this debt. my landlord will honestly vouch for me and so will my boss. it is impossible for me to have obtained this debt. please remove this debt and any others from that state.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (OR)

Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted documentation multiple times to TransUnion, from the Bankruptcy Court stating they dont provide information to the credit reporting agencies making with supporting documentation of credit reporting freeze from 3rd party vendors whom publish my information inaccurate. However TransUnion attaches my documentation to close dispute but will not furnish where information is being reported as accurate. When calling customer service they tell me yes we have the documentation but we are leaving the information on the report due to time and year reported. I spoken with supervisors and the try to convents me the the U.S. Bankruptcy Court is reporting as accurate. When I have verification that the Court dont report information to the credit reporting agencies. I been fighting this matter time after time and TransUnion have not produce valid information to why its on my credit report. The Bankruptcy is removed from my XXXX  report as of XX/XX/2019 using the  same documentation attached below ( I attach XXXX credit report proving bankruptcy has been removed )
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I NEED THE CFPB 'S HELP. I 100 % feel neglected by Transunion, XXXX, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc. (PA)

A debt collection company known as I C System collecting on behalf of XXXX sent an email with specific information regarding a debt owed to XXXX and disclosure I C System is a " Debt Collector attempted to collect a debt and any information obtained will be used for that purpose ''. 

I do not know how I C System obtained an email address associated with me, nor, have authorization to use email as a means to collect a debt. 

Furthermore, if an email is sent, it should be indicative of a personal/private message intended for the named recipient only, with details on how to obtain a personal/private message that has been masked for privacy. 

I believe this message violates the Fair Debt Collection Act since full disclosure of a collection matter was made visible to others accessing this email account.
Consumer complaint received 2023-01-27
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: SANTANDER HOLDINGS USA, INC. (IL)

XXXX # XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2020-09-16
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: I.A.C. INC (MA)

Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-09
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. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (CA)

This complaint is toward Monterey Collections. I would like to state that I have never signed a contract with them nor have I ever requested to deal or communicate with them. Their communications to me have been extremely harassing, stating that they will obtain a judgment in 30 days and telling me to " govern myself accordingly ''. The calls I've received from them are from their " lawyer '' asking for money. The number they call from is XXXX. I have contacted the original creditor for years regarding the cancellation of my account being that they pushed this contract on me with extremely high pressure and being riddled with lies about the contract. This contract was a complete misrepresentation to me just to take my money, while also increasing the amount I have to pay each year. I have also expressed to them that I have been extremely sick, going into the emergency room several times at XXXX. I am continuously ignored, dismissed, harassed, and never once assisted in the resolution I am seeking. Now after years, they bring on the idea of putting a judgment on me? They misrepresented this entire contract, never provided assistance, and now want to place a judgment and destroy my credit. This is baffling! At this point, I am demanding that my report be cleared with anything from this company and that they remove me from their files and cancel all.