davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX Bank # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Consumer complaint received 2020-11-24
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. (FL)

I noticed the following accounts on my credit report. These are an error or a result of fraud as they are not mine. 

XXXX XXXXXXXX {$210.00} Opened XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$390.00} Opened XXXX XXXX XXXX  {$890.00} Opened XX/XX/XXXX I've noticed most of these accounts are medical and this is a violation of Hippa that any of my supposed information is being shared. I never received medical services or otherwise or authorized anyone to obtain or share my medical information or otherwise.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

chase bank not giving my money back from closed accounts. I have XXXX in checking and XXXX in saving. I has a appointment then on our way for the appointment they canceled the appointment, the refused to talk to me.
Consumer complaint received 2021-06-02
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. (UT)

The credit bureaus are reporting a debt on my credit file that needs to be removed. This debt has been past the credit reporting limit since XXXX and XXXX XXXX XXXX continues to validate this debt. This is a violation under the FCRA and this needs to be taken care of.
Consumer complaint received 2018-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
Consumer complaint received 2018-03-04
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: REGIONS FINANCIAL CORPORATION (MN)

An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit report.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
Consumer complaint received 2021-07-20
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. (PA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2017-12-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.
Consumer complaint received 2020-10-26
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (DE)

Company has been Illegally harassing me for a Debt I do not owe them. Company has also violated my HIPPA rights by illegally obtaining my health records without written permission with signature from me. I dont have a contract with this company. I sent the company a letter back in XXXX ( see attached ) I requested validation. Company did not provide me with the information I requested. Company sent me another letter in XXXX trying to illegally collect debt.I decided to look into this company and found that they are not legally registered to collect in the state of Delaware. ( see attached ). XXXX letter dated XX/XX/2023 I do not owe this debt as well.
Consumer complaint received 2022-04-28
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date, XXXX is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information. 

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX
Consumer complaint received 2022-04-28
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. (CA)

FRAUDULENT ACCOUNTS!! from identity theft!!!!! 

1. XXXX  XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXXXXXX Account Number XXXX 3. DEPT OF ED/XXXX  Account number XXXX, Loan ( 02 ) 4. DEPT OF ED/XXXX  Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/XXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE NAMED XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO XXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. 

REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX. XXXX XXXX HAS ALREADY DELETED AND REMOVED THESE ACCOUNTS!!!!! THESE ACCOUNTS SHOULD NOT BE REPORTING TO MY CREDIT REPORT!!!!! IDENTITTY THEFT!!! BLOCK AND REMOVE!!!
Consumer complaint received 2020-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Experian on my behalf, with no response from Experian. also i disputed with Experian 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2020-11-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I recently received a copy of my Equifax credit report and after reviewing it I noticed that Equifax has REPOSTED a charge off account that was previously disputed and removed from my report. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. This is a violation of FCRA and I demand that this account is REMOVED and BLOCKED IMMEDIATELY from ever reporting on my report again. I have attached the FTC report that I sent Equifax last month about this account previously as well at the report that they sent me showing that it had been removed from my report last month.
Consumer complaint received 2021-12-09
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 accounts that are reporting on my Credit Reports : XXXX XXXXBalance {$2100.00} XXXX  XXXXBalance {$590.00} XXXXBalance {$1900.00} XXXX XXXX XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXXBalance {$15000.00} XXXX XXXX  XXXXBalance {$0.00}
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

When renewing my federal student loan payment plan, XXXX presented me with the different repayment options. They failed to disclose that choosing a different repayment plan would capitalize about {$30000.00} in deferred interest. My student loans went up $ XXXX in a day due to a lack of information.
Consumer complaint received 2022-10-13
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 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 an account without my written instructions.
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (RI)

I have filed a complaint - XXXX with CFPB The complaint was closed and I commented on it. 

However! Since that time I received an incorrect package on my HAF application from XXXX XXXX XXXX. 

I spoke to them as the financial calculations were incorrect. They told me not to sign it and they would re-do it. That was on XX/XX/XXXX. 

I began this entire process in XX/XX/2022. 

To date I have received no re-working of the HAF funds. Approximately {$35000.00} will bbe given to Chase when this is said and done. However! according to XXXX  XXXX Chase needs to provide info to them. According to Chase, they acknowledge that they are " working on it ''. 

When I ask where the glitch is right now, they can not tell me. XXXX mentioned that they have to ask FHA to accept the new terms- this is the first I've heard that Chase has to " accept '' anything - it is money coming to them by their agreement to participate in the HAF program. 

In the meantime my interest rate at the start of this had been recalculated to 2.2 %- it is now I'm sure well over 5 % - this is not right - this is not my fault. 

I have been with Chase for many years. I've owned my home for over 34 years. I am XXXX XXXX XXXX. 

I deal with a XXXX XXXX at Chase Executive offices. Her phone number is : XXXX. 

The info at XXXX  XXXX is XXXX - I have no name there. 

I desperately need your help. This is just not right that this is happening. 

Thank you for your assistance.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

XXXX offered me internet service for my house I signed a contract, when technician went by my house to install he informed me that the XXXX  company is not able to provide services in my community including my house this happened back XXXX. I visit the administration office to let them know the situation, how amI going to pay a service that Im not receiving, they transfer me one agent to another with out a concluded contract
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/2022, I contacted XXXX XXXX XXXX regarding a collection attempt for a supposed debt that I owe. As is standard practice, I sent a letter of debt verification to the company and instructed in the letter for them to send me back a letter of debt verification as well as to take the debt off of my credit report while the debt was being verified. During this, I gave the company 30 days to verify the debt. 

30 days passed and I heard nothing from XXXX XXXX, until one day I receive a letter from a new debt collection agency for the same amount of money and the debt was also placed on my credit report. It is my understanding that XXXX XXXX, instead of verifying my debt information and getting back to me accordingly, sold the debt to a different company and in the same breath placed the debt on my credit report.
Consumer complaint received 2020-12-03
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.