davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX- balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-03-11
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: CITIBANK, N.A. (OH)

Hello, My Citibank credit card was charged {$290.00} on XX/XX/XXXX by an Internet merchant named SP XXXX XXXX XXXX. I notified Citi on XX/XX/XXXX this transaction was unauthorized. On XX/XX/XXXX, Citi provided documentation from the merchant alleging merchandise was shipped to my home address and the transaction was deemed valid and applied to my account. I assured Citi I neither ordered from this merchant, nor received any merchandise. Also, the email address on the order is unknown to me ( XXXX ) and the IP address indicated the transaction was from Michigan. I was nowhere close to Michigan. I reassert I did not participate in this transaction nor did I authorize anyone. I urged Citi to obtain the carrier information to support my claim. Are you able to assist as I believe the merchant has falsified documentation in order to avoid a chargeback?
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS (NC)

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, LexisNexis must delete this information from my credit report, and i asked them on several occassions starting ( XX/XX/2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

In XX/XX/2020, a group referring to themselves as " XXXX '' ordered a death hunt on me. I got hacked out of my Chase account. 

My account carries a considerable amount of money, the account is open, and every real banker can see it. The Bank for XXXX XXXX has revoked the banking license of Chase bank. Also, something every real banker can verify easily. 

Ever since, my calls were redirected. I tried to file complaints with the police several times, but I now learned they didn't land there. It's a nerd mass murder group, who operates via hacks of internet and phone connections. 

There are over XXXX XXXX XXXX on my account, but the latest XXXX  attempt ( see XXXX complaint ) forced me into a XXXX XXXX 

I also received XXXX XXXX from four Chase staff. 

The XXXX informed me that Chase changed the last digit of my XXXX, but the other data is correct. 

Evidence of 90 % of what I'm saying is here : XXXX The Chase " staff '' uses technology stolen from the XXXX.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NH)

I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.
Consumer complaint received 2021-01-25
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. (NJ)

I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Consumer complaint received 2018-10-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dates spreadsheet ( more details ) is included in attached documents in an XXXX document. 
Loan amount {$25000.00} | XXXX Loan taken out XX/XX/XXXX Money withdrawn/spent XX/XX/XXXX XX/XX/XXXX - Message Center XXXX contacted Mortgage Dept. denying knowledge of HELOC, and is aware of her mental state ( This is after/when she was FINALLY getting the medicine she needed to help her XXXX and XXXX XXXX ) XX/XX/XXXX passed away XX/XX/XXXX XX/XX/XXXX XXXX  problems begain XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX became XXXX XXXX and XXXX. Admitted to hospital. XXXX XXXX. XXXX County made me the home owner beginning this time. I was the Remainder-man and beneficiary of the home based on a Enhanced Life Estate Deed submitted to OCPA in XX/XX/XXXX, Notarized by a friend of the family within our neighborhood ( name excluded per instructions of your site ). 
**** I have also asked for a change of address, I have faxed with successful confirmation, and certified letter sent requesting this change, and Bank of America has neglected to make this change. I followed their instructions to the letter. 
**** I have requested and filed a complaint with Bank of America on numerous occasions for the Fraud Dept. to contact me and per their own policy this should happen within 48-72 hours. Nothing has ever happened. I have 0 text messages, 0 emails, 0 phone calls from this dept.. I have a letter about a credit file dispute which is NOT what I was requesting. 
**** I have multiple recorded phone calls from Bank of America about this matter with appalled employees from within shocked no one has reached out regarding this matter. 
**** Now they are trying to collect from me for this fraudulent HELOC. 
**** I have never received a single bill or statement nor have I been given any notice of foreclosure by Bank of America.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (SD)

I received an alert that a credit inquiry was done on my credit through equifax mortgage services and I have not done any business with equifax or applied for any mortgages through equifax. I am not sure why they are assessing my credit but i did not give them permission to inquire of my credit for any reason and especially not for a mortgage. I havve never owned a home and have not applied for one through equifax. I didn't even know that equifax offered mortages. I have fraud alerts on my credit file with all 3 bureaus and it appears that equifax may be committing the fraud. their system is now even asking me questions about me having a mortgage when i try to verify to release the freeze on my credit file but i have never had a mortgage. It have issues verifying when equifax riggs up my credit file to keep me from utilizing it when i need to release the freeze from my file.
Consumer complaint received 2020-06-03
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. (NJ)

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XXXX  of 2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Automotive Management Services, Inc. (SC)

I had purchased the XXXX from Crown 's Finance in XXXX XXXX back in XXXX of 2022 with a loan of XXXX that I was to pay off in 4 years or so and I wasn't able to keep paying off the car so I asked the loan officer XXXX XXXX XXXX XXXX XXXX located in XXXX to come and get my car in XXXX I believe and ever since then I feel like XXXX XXXX is still trying to collect payment from me because I voluntarily gave up my car back in XXXX of 2022.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing because I am a victim of identity theft. I checked my credit report and I found quite a few accounts and inquiries on there that I didnt recognize nor did I authorize. I, the consumer, ask that the items on my report be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Delete these items ASAP. Also I NEVER gave any consumer reporting agency WRITTEN CONSENT to report any of the accounts provided in the attachments on my consumer report which violates my rights as a federal protected consumer which is a VIOLATION of 15 U.S Code 1681b - Permissible purposes.
Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX. 

On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes. 

Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up. 

I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response. 

Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.
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: EQUIFAX, INC. (SC)

On XXXX. I disputed the following information with XXXX, Equifax, and XXXX PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of experian investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to experian on what needs to be done.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Radius Global Solutions LLC (VA)

On either XX/XX/XXXX or XXXX, I called this company back to complain about them calling me three times in one day on XX/XX/XXXX when I did not even know what it was in reference to. They told me they were calling about a debt of {$9.00} I owed XXXX. I told them I would call XXXX on XX/XX/XXXX when I next got paid and pay my bill over the phone directly with them. I felt this was necessary to avoid an online phishing scam and because I didnt have the money at the time. I also asked this Radiusglobalsol not to call me back anymore, but they did it again just now, and when I called them back to complain, they answered the phone as XXXX. This is a federal offense known as impersonation for which people can go to prison.
Consumer complaint received 2022-01-19
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. (OH)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-19
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. (OH)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AK)

I noticed medical debt with commonwealth and I sent in Hippa validation letter. They never responded on the claimed medical debt. I am unaware of any current outstanding medical debt and I have never signed anything allowing Commonwealth to have possession of any medical data concerning me.
Consumer complaint received 2022-01-19
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. (NY)

XXXX is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX to XXXX. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.
Consumer complaint received 2021-09-21
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: AMERICAN EXPRESS COMPANY (NJ)

These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-19
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. (NY)

Transunion is reporting over 33 closed accounts. These accounts are being reported yearly and never leaving my accounts. All 33 accounts are being sold by XXXX XXXX  to Transunion. These accounts have deducted over 400 points from my fico score which continues monthy to not increase because These closed accounts are being reported to all creditors and banks.