davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from 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
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Debt Relief Center (FL)

Debt enrollment center has called me 3 to 4 times a day and I have no debt I have not contacted them for help they wont stop calling Ive asked them to put me on the do not call list and they still call and then They sent me text messages its XXXX  and they need to stop I spoke to XXXX she was mean and XXXX
Consumer complaint received 2022-03-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have had an AMEX card since XX/XX/XXXX it is a Delta Sky miles card XXXX XXXX XXXX it has an expiry date of XX/XX/XXXX. This year American Express indicated that my card was being converted to a Gold Card against my will and would now have an annual fee of $ XXXX. The prorated fee for this 1/2 year was over {$50.00}. I had over XXXX miles on my prior skymiles card that XXXX, an AMEX representative, told me I was in danger of loosing if I didn't activate the new account. I had many of these miles for many years. I told XXXX it was extortion. She offered me another account that was free, however, she instructed me I had to activate the Sky Miles Card or I would lose the miles. I made a complaint number : XXXX with XXXX. I called AMEX on XX/XX/XXXX because of an email sent on XX/XX/XXXX at XXXX XXXX from AMEX indicating that I would have to CONFIRM receiving the new card " to avoid an interruptions when using your card. '' My old card had an expiry of XX/XX/XXXX. I don't know why I can't continue to use that until it expires.
Consumer complaint received 2024-03-06
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Consumer complaint received 2021-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

I requested a verification of mortgage ( VOM ) and the lender refuses to send a correct document. The loan is for two properties -- XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The lender sent a VOM form only showing XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I called and requested a corrected VOM to show both property addresses. The lender said they could not change the VOM. The lender should be able to produce and true and correct document. The document showing only one address is not accurate. I am in the process of refinancing XXXX XXXX XXXX and the lender will not give me a document showing that address on the VOM. This is interfering with my refinance.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent Bank of America credit account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his XXXX report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with Bank of America and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the XXXX data breach back in XXXX, and in XXXX during the COVID 19 pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank of America and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.
Consumer complaint received 2018-07-06
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. (IN)

As of XX/XX/2018 and XXXX XXXX XXXX, Experian, and XXXX   are still reporting the item on my credit history from XXXX XXXX. I am still suffering considerable economic harm. I demand they remove this item from my account immediately.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

This is related to XXXX. I have not received a response from BSI or the CFPB. This problem began over a year ago, when BSI failed to pay my property taxes, and have made many, many errors since, resulting in BSI retaining more of my money than it should and keeping erroneous records.The last statement I received, the portal and this enclosure all state that my outstanding principal is {$350000.00}, but from your own accounting, the total principal paid since loan origination is {$21000.00} : PER Statements BSI Amount Principal to XX/XX/XXXX XXXX XX/XX/XXXX principal paid XXXX Principal to XX/XX/XXXX XXXX As the original amount borrowed was {$380000.00}, the current principal should be {$360000.00}. [ {$380000.00} - {$21000.00} ]. This means, you have inappropriately reduced my principal by {$3500.00}. 

In addition, the check that I sent you dated XX/XX/XXXX, # XXXX was in the amount of {$1700.00}, but your " XXXX XXXX XXXX XXXX '' seems to reflect that BSI accounted for {$1700.00}. BSI shorted me {$0.00}. 

Further, the " XXXX XXXX XXXX XXXX '' suggests that late charges are still on this account, to which I object. 

Please have someone get in contact with me as soon as possible and explain these discrepancies or send me a check for {$3500.00}.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

chime recently closed my account and had my ppp loan recently deposit there. they refuse to refund my money even though i sent all proof of documents to them when they asked. it's really frustrating because how am i going to pay a loan if i dont have the money. i kept emailing chime all week and they don't response, the last email i got from them stated they wont issue a refund.
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (CO)

Lending tree emailed me a loan agreement for {$180.00} a month and they asked for my bank account my routing number of the bank account my user ID and my password of the credit union the credit union told me not to give these people the information they refused to do an electronic funds transfer or send me a paper check so I couldn't get the loan I think this company is a fraud and it's XXXX and I want you to investigate them I do have the email that they sent me
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NC)

Wrongdoing Party : CHASE CEO/President : XXXX XXXX Executive Office XXXX XXXX XXXX XXXX, Ohio XXXX Mail stop : XXXX I opened an Amazon.com VISA ( CHASE ) approximately XXXX, 2016. The credit card no longer works, and phone calls with CHASE proved to be useless. CHASE does not have any record of the account, any record of my name, and any other records related to the account. CHASE did NOT notify me in any way that the card was being cancelled since it was originally issued. CHASE will do nothing to reissue or replace the card. This is as a minimum unethical business practices and possibly even breech of contract. There was also no other correspendence with CHASE other than a bill for a text book. <P/>Please order CHASE to issue a new card, and order then to pay {$400.00} for damages expended to date to resolve this problem. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

The account has not been removed from my credit report.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I was charged {$510.00} and {$640.00} to my credit card account through Wells Fargo to XXXX XXXX at XXXX XXXX. I did not have my card in my possession and did not authorize anyone to use my card. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. Wells Fargo denied my claim two times with the explanation that it was used by chip. Wells Fargo did not answer my questions about the signature of these purchases. I did not sign or ever enter this mall. At the time of the fraudulent charges, I was in the XXXX XXXX area on a hike. I am in my 3rd round of disputing these charges and have filed a police report in XXXX XXXX.
Consumer complaint received 2021-08-24
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: Experian Information Solutions Inc. (AR)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-11-18
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX )
Consumer complaint received 2021-11-18
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnionhas NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please delete the following accounts : ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX )
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC (CA)

A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents.
<P/>
They use threatening language and say I owe them money when I do not.
<P/>
XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-27
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. (GA)

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.