davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
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. (PA)

XXXX is claiming that I owe them {$830.00}. They were contacted and notified that I was a victim of identity theft. I ask for documentation with my signature authorizing the opening of this account or connecting me to this debt. After months of request - they have yet to provide these documents however they are still reporting this inaccurate information to the credit bureaus. Experian continues to verify the account but provide no proof on how they are verifying this account. Attached is the document XXXX XXXX sent me - as verification. There is no signature. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY. I AM NOT A CREDIT REPAIR COMPANY.
Consumer complaint received 2020-12-02
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. (AL)

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE ACCOUNTS ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. " ANY BAD DEBTS FURNISHED ON YOUR REPORT IS RUINING MY REPUTATION AND ITS DEFAMATION OF CHARACTER '' I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Incorrect loan transfer amount : My loan was transferred on XX/XX/20 from Planet Home Lending to XXXX XXXX XXXX. They transferred {>= $1,000,000} but the transfer was {$230.00} short ( image attached ). Planet Home Lending show an additional disbursement was transferred to XXXX XXXX XXXX for {$230.00} on XX/XX/20, but XXXX XXXX XXXX has never received it. I have sent numerous emails to Planet Home Lending since XX/XX/20 ( attached ) as well as called numerous times too. The emails are being ignored and the person on the phone always tell me it will be taken care of but nothing happens. 

I am very disappointed that my money has disappeared and Planet Home Lending does nothing about it. 

Please can someone help return my money as Planet Home Lending seems not to care. 

Thank you, XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the listed items below. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (CT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
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 2020-12-02
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: EQUIFAX, INC. (TX)

ALL THESE ACCOUNT WERE NEVER LATE. FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my previous report. XXXX StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$7.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-12-02
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. (TX)

ALL THESE ACCOUNT WERE NEVER LATE. FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my previous report. XXXX StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$7.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Recent Payment- Original Creditor- Dispute XXXX  XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$0.00} Date OpenedXXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Dispute -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NY)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX requesting validation proof of the debt with signature from myself XXXX XXXX XXXX need to show validation of debt proof of signature as well as Equifax Credit Bureau or remove the debt from my report
Consumer complaint received 2020-09-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (TX)

I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.
Consumer complaint received 2020-09-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL (MO)

In XX/XX/XXXX I applied for a savings account with XXXX XXXX XXXX and in the denial letter it referenced it was based on information from Consumer Reporting Agencies XXXX and XXXX XXXX. I requested my report from these companies but didn't see what the problem was. In XXXX I applied for a savings account with XXXX XXXX and XXXX and was denied by both. They both relied on XXXX XXXX   and XXXX stated that my score was XXXX based on a range of 100 to 899 which was a shock. 

I obtained my report from XXXX XXXX which was easy to read and the only problem was that there were 16 inquiries in the last 3 years by Synchrony Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. These were also on the XXXX XXXX report. 

I have a savings account, 14 active CD 's and CD 's that have matured with Synchrony Bank. What I didn't know was that every time I purchased a CD an inquiry was sent to the Consumer Reporting Agencies and that is viewed as a major bad thing to have so many inquiries by banks I was attempting to open a savings account with. 

I contacted XXXX XXXX and was told that the best way to resolve my problem was to contact Synchrony Bank and request that the inquiries be removed. I called their help center and was told that they had to do the inquiries because of the Patriot Act and that that was the way it is. 

I then wrote a letter on XX/XX/XXXX to Synchrony Bank explaining the situation and that I could no longer open bank accounts because of their inquiries and asked them to remove them. 

Today XX/XX/XXXX I received a phone call from XXXX XXXX at Synchrony Bank Complaints Department and I discussed with her the problems these inquiries were causing and even though I had done nothing wrong I can no longer open bank accounts. Her reply was they could not remove the inquiries because they were bank procedure. When I told her these inquiries were no longer needed by Synchrony Bank her reply was that they wouldn't remove them again because of bank procedure and if they did it for me they would have to do it for everyone. 

Please note because my wife is listed as co owner of the savings and CD 's she has the same Synchrony Bank inquiries at the Consumer Reporting Agencies.
Consumer complaint received 2023-03-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Dated XX/XX/2022 I received an annual escrow statement from PHH mortgage regarding a shortage in my escrow account, a normal occurrence. At no point on this form from PHH mortgage was there an option, or a statement as such, that I have the legal right to pay that shortage in its entirety up front, I was only given the notice that my monthly payment would go up by double the shortage for the next 12 months. They are required to give me this option and they did not, and such they should be investigated and fined for misleading the public and misrepresenting the rights the consumer has.

I called PHH mortgage and was 'escalated " who stated they are in complete compliance with RESPA, which they are not. The form they send out for an escrow shortage is required to have the option to pay the shortage in its entirety and offer a paystub to do just that. 

I also requested a servicing transfer which they immediately denied.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blockchain.com, Inc. ()

Hi, I created an account with XXXX XXXX XXXX XXXX XXXX  ( BlockChain ) sometime around XX/XX/2021. However I did not make any transactions till the XX/XX/2021. I made a total deposit of around XXXX USD. 
However, my issue comes about when I try to withdraw the XXXX. I keep on getting the error " Invalid Withdrawal Amount '' and " Already has withdrawal pending on address : processing another transaction ... '' ( Kindly note that I have been trying to withdraw since the XXXX of XX/XX/2021 ). 

I have reached out to the customer service team severally and none of the solutions they have provided seem to work. Its quite funny that one of the Agents asked me to send a XXXX XXXX XXXX so that he can help with my issue yet on the console, it is clearly stated that I shouldn't share with anyone
Consumer complaint received 2017-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I have received repeated calls from XXXX XXXX XXXX  XXXX @ XXXX. They are calling my ex husband, my work, as well as my cell phone repeatedly. I have told them to cease contact. They stopped for two weeks, but now they have started again. The last time we spoke, on XX/XX/XXXX, 2017, I told them to proceed with the threats - which included court procedures. They proceeded to use name calling as a form of intimidation. I also told them that I have an attorney, they said they could n't legal discuss any further. But, another employee proceeded to call me a minute later. Specially, this person ( named XXXX ) said I was " XXXX '' for allowing this to continue. I shared with them that I would be reporting. I did not report that day, but here we are, nearly 3 weeks later, and they have started to contact me again. Today, I received 4 calls within a three minute time frame. My phone is ringing repeatedly from these people.
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report in XXXX of 2020. I saw there was an account opened with Capital One and I never opened that account. This account was opened in XX/XX/2020. I called capital one sent all documentation that was needed fraud affidavit police report and ftc report and was told I need to know who the suspect was. I don't know who the suspect is! I have never opened this account. I submitted a complaint and was told this account was valid. I never lived in XXXX XXXX the number they had on file is incorrect. I called them several times about this account. This is not my account and I will sue capital one. I never had a checking account they have on file. My identity was stolen. This is incorrect information that is reported to the credit bureaus.
Consumer complaint received 2020-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TX)

Im not sure when Santander received my information to finance an auto in my name. However, I am a victim of XXXX  XXXX and I have a police report from 2011. My ex husband was arrested for charges and I have received a few things in my name before/ since divorce been final. I have sent in document to all Bureaus. The collection was deleted, and sold again so now Im back to dealing with the same problem. I sent in documentation proving that I am a victim of identity theft. Santander have a history of robbing people of many things such as contracts etc. Now that my life is back on track, I guard and protect my credit. I am filing a complaint to have this collection deleted immediately. I have supporting documents proving that this does not belong to me. Santander have sold the company to a company called XXXX XXXX.
Consumer complaint received 2023-03-29
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2020-12-02
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: Early Warning Services, LLC (WI)

I applied for a checking account at XXXX XXXX and was declined based on information from Early Warning Systems. I spoke with XXXX at Early Warning Systems and she informed me that their address is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I have a perfect credit score, make XXXX, have no debt, use credit responsibly, and do not bounce checks -- EVER. I feel I've been targeted and discriminated against by this agency.
Consumer complaint received 2020-12-02
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)

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.