davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (GA)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX XXXX, and financial hardship.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (GA)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX, XXXX, and financial hardship.
Consumer complaint received 2024-02-13
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. (FL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2021-03-02
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: EOS Holdings, Inc. (NJ)

I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IN)

I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from CitiBank card, buying an already charged off loan in my name, due to CitiBank card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent CitiBank card a copy of my full XXXX hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

CitiBank card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with CitiBank card after CitiBank Card refused to provide all documents. I did receive from XXXX XXXX XXXX   XXXX what they received from CitiBank card when purchasing an already closed account due to hardship, however it did not include the private court XXXX paperwork that Citibank card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through CitiBank card that was already closed. Per advised by attorney, CitiCard bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of CitiBank selling a closed, wrote-off hardship consumer loan in my name.
Consumer complaint received 2018-06-24
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. (IN)

I have contacted XXXX XXXX XXXX XXXX  after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX  XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX XXXX refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NC)

I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $  XXXX/ {$48000.00} NO EXPLANATION )
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

The issue I am having is that this credit card was not opened by me. I have made multiple attempts to resolve this matter, and this issue is still ongoing. This company obtained a judgement on me in small claims court with no notification of any court date for me to attend. LVNV Funding LLC falsified that I was served, and I was never notified. Now they are pursuing a garnishment against my wages. What my concern is that how many people have they done this too. The information was just received on XX/XX/2022, of a garnishment and they filed this in the court on XX/XX/2022. I have disputed this issue over and over for years because my purse was stolen, and all my identification was stolen. I had to get replacement license, green card, social security card. Everything was replaced. Can you please direct me on getting this issue resolve. This company is obtaining judgement against people through fraudulent practices. Thank you.
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On or around XX/XX/2020, I began working on repairing my credit. After sending 3 letters to XXXX  informing them that I never opened an account, nor does the debt belong to me ( {$640.00} ), they are now refusing to investigate this debt further. I have repeatedly asked to receive the original documents of the debt and the contact person ( s ) from the company that XXXX  spoke to verify the debt, yet they have not provided it, thus allowing this debt to remain on my credit and affect my credit score negatively.
Consumer complaint received 2018-06-24
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. (TX)

I have been a victim of Transunion inquiries issue that they had. I have over 55 inquiries that are not mine. I have provided all the information needed.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I froze my credit report on XX/XX/2023 and the XXXX through the XXXX of XXXXXXXX XXXX XXXX did 4 hard inquiries, Again I have tried to convey just how I am having serious issue with the credit agencies and banks, etc... 18 U.S.C-894, Obviously Transunion really didn't have it froze or just has a deal worked out with XXXXXXXX XXXX XXXX Trustee, XXXXXXXX XXXX XXXXXXXX and they must prove that I gave consent to unfreeze it temporarily, You see I did this as a test because I know the Banks and these private llc which are not government agencies are directly conspiring to deceive and my belief is a criminal syndication, part of the XXXX to which is why the world is so poor while less than 15 % has all the wealth.
Consumer complaint received 2020-09-12
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have unauthorized inquiries and 3 accounts I was never late on and one account that is identity theft and another account I do not know why it is on my report. I also have a chapter XXXX I never filed and I am asking for proof of papers I signed but you never gave them to me by law See letter attached
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Re : XXXX ; I wish there was a way to simply reply to your messages rather than need to open up a new complaint just to respond to you. Bank of America are in the process of working something out. I have emailed that I would like to come up with some sort of monetary compromise. We are supposed to discuss this on XX/XX/XXXX or XXXX. 

You had sent me a message that Bank of America had closed the case and clearly they did not. Most of the problem on Bank of America 's side was due to gross negligence and the fact that they had made it almost impossible to contact them, so I could have stopped the scam in time. 

In the interim, there are about a dozen law enforcement and regulatory agencies involved. Much of the problem relates to the fact that the FBI and the DOJ are not reading their IC3 reports and travel to open up a civil suit or criminal case is extremely difficult due to COVID 19 restrictions, including 2 week quarantines, and the fact that the money mules and main scammers are trying to hide. 

I have a clearer idea of the damage and if negotiations with Bank of America do not work out, I have a 30 page file I could send you. 

The total loss is around {$120000.00}, of which {$110000.00} occurred with Bank of America and {$5300.00} occurred with XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX is the money mule through which XXXX XXXX XXXX   funneled the money. XXXX XXXX is the money through which Bank of America funneled its share of the money. 

The main scammer is a fake version of XXXX XXXX XXXX XXXX, which still operates out of XXXX, XXXX and XXXX, XXXX. I believe an arrest warrant can be served on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 when XXXX XXXX makes his presentation in XXXX at a XXXX XXXX, but I am still investigating other options.
Consumer complaint received 2017-10-16
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: Rocket Mortgage, LLC (KS)

I have attempted to resolve this issue with Quicken Loans three times now with the continued generic response and non-compliance under the Fair Credit Reporting Act. Quicken Loans has failed to provide me with validation the inquiry was initiated by me. Per the Fair Credit Reporting Act 15 U.S.C. 1681g, I have the right to demand that you physically disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. You continued verbatim response of, We have proof you applied, is insufficient and non-compliant for the act and my request. I am demanding physical validation of the inquiry and that it was initiated by me, including any documents I physically signed. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report you are damaging my reputation and credit worthiness. The inquiry in question on my reports are unverified and unvalidated. Quicken Loans insists I was the one who initiated the inquiry when I was NOT. I have placed fraud alerts on my reports yet Quicken Loans refuses to comply with the Fair Credit Reporting Act and continues to report fraudulent activity to XXXX XXXX, and XXXX.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Received a call from XXXX saying they were XXXX XXXX XXXX they also left messages with my husband, mother in law and niece. 

They said that we have a {$1700.00} debt with BofA from 2011 and if we didnt pay immediately they would sue us for {$3700.00}. We dont have an account with BofA XXXX We didnt even lived in the US in 2011. They keep calling and all the people we know leaving messages. 

How can I get rid of them?
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Per a XXXX add on XXXX, I ordered XXXX XXXX XXXX XXXX .bank America Visa card XXXX XXXX XXXX XXXX on XXXX the morning, 1 hr later I called back to cancel order XXXX XXXX XXXX Per XXXX @ XXXX XXXX XXXX No problem. 
On XX/XX/XXXX preliminary billing Appeared on my visa card {$110.00} Told it was just preliminary and would drop off. 
XX/XX/XXXX true billing appeared Called was advised they are just a Tela marketing ( all Connect ) I need to call XXXX to cancel my instal date of XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX will cancel immediately. 
Called XX/XX/XXXX XXXX said it takes 3 weeks Tried to issue a dispute with Bank america, Advised give vendor 30 days It takes 30 seconds to bill But 30 days to issue credit
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2021, I was trying to update my email and address on my PayPal account and called the number listed on its website. When I spoke to first XXXX XXXX and then to a person, who claimed to be a PayPal Account Manager - XXXX XXXX - ID # XXXX at XXXX. XXXX XXXX first asked me to log onto my bank account ( XXXX XXXX ) and XXXX {$490.00} from my checking account to a XXXX to verify my identity. XXXX also asked that I send {$490.00} from my savings account to XXXX XXXX at XXXX to verify the same. The savings account did not go through but the checking account did. XXXX explained that my money was not being sent but was only being used to verify identify and the funds would be back within in my account within 24 hours. Which has not happened. 

On XX/XX/2021, my wife and I have called several numbers that XXXX and XXXX had provided and they all answer the phone stating they are with PayPal. We also spoke to a XXXX XXXX at XXXX is a Request to receive money on my PayPal account but I am unable to file any type of resolution or dispute with the transaction. I had my wife email PayPal to try to get a resolution. We also spoke with a XXXX who said he was with PayPal dispute center and his ID is XXXX. However, he wanted me to log into another website and when I asked why, he became hostile and hung up the phone. 

On XX/XX/2021, I have spoken with my bank and have filed a money movement claim, which will take 10 days. I am now filing a claim here because I want to make sure that all my bases are covered and that I am able to get my {$490.00} back.
Consumer complaint received 2020-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (FL)

CKS PRIME INVESTMENTS XXXX Collection account. {$690.00} past due as of XX/XX/2020 XXXX XXXX XXXX XXXX I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX. I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
CKS PRIME INVESTMENTS XXXX Collection account. {$800.00} past due as of XX/XX/2020 XXXX XXXX  I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX  I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
If I need to file a police report I will. I did not open these credit cards. These are fraudulent.