davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Transunion report XXXX 

The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. 

This item shall be removed.
Consumer complaint received 2022-01-08
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. (AZ)

On or about XX/XX/XXXX, A settlement was mailed and initiated in the form of a cashiers check. This check had a label that identified its intentions and specific term of the settlement. ( See attached ) On XX/XX/XXXX, XXXX XXXX XXXX deposited the cashier check into their bank account. XXXX XXXX XXXX breached the contents of the settlement by refusing to abide by term # 1 and term # 2 listed in the agreement. XXXX XXXX refused to remove the account listed as charge off by the time implicated in the agreement. Currently, all three credit bureaus list the account as a negative account, under charge off status. On my Experian Credit report XXXX XXXX falsified the account number to keep the account in Negative standings, and this account is listed as " settlement accepted ''. On my XXXX credit report, First list this account as a " Charge Off ''. On my XXXX account, XXXX XXXX list my account as a opened account in " Charge off '' status. On XX/XX/XXXX @ XXXX MST, I called the Collections team @ XXXX to alert them to the negative still standing on my credit. I was told by a representative named XXXX-ID # XXXX, in the SOP Collections Dept. That they " don't care what my settlement stipulated or said, they do not honor a pay to delete ''. These willful, malicious acts of negligence also is a direct violation of the FCRA [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-11
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. (IL)

I contacted the credit bureau because I had 4 fraudulent accounts from XXXXXXXX XXXX they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks
Consumer complaint received 2017-09-16
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. (PA)

I have tried to resolve a dispute through experian credit agency about incorrect information being reported on my credit file. I filed a dispute and then another and was told that they will not dispute it again.I have several accounts being reported as charged off and balances when these accounts were clearly under chapter XXXX protection.
XXXX XXXX-showing a XXXX balance. XXXX XXXX showiing a XXXX  balance.
XXXX showing a XXXX balance. XXXX XXXX, charged off. According to FCRA " things that can not be included in credit report are currently owed and active, charged off, having a balance due, late or delinquent or outstanding debts.This also appears in chapter XXXX laws which I am protected.
Experian is clearly in violation of several laws of FCRA reporting and Chapter XXXX reporting I want the items listed on my credit report to be accurate and fair.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

In XXXX I received a letter from Specialized Loan Processing saying the Loan I had with XXXX XXXX XXXXXXXX XXXX was transferred to them for Servicing. I contacted them to make my payment for XXXX but they could not locate my account so I reached out to the previous mortgage company XXXX XXXX XXXX to explain my dilemma and they said I could make the payment to them and they would send it to the new loan Processing Company SLS. Although that was done they are not recognizing the payment towards my XXXX mortgage they call me multiple times a day and then when I call them back they transfer me from person to person to person to person and have been harassing me for additional mortgage payments above and beyond the mortgage payments that I always make on time.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (NY)

I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

I have a mortgage on my home in XXXX XXXX  but split time between there and XXXX XXXX. LoanDepot made and services the mortgage. I have set up my account for paperless notifications and autopay. 

My monthly payments were {$3000.00} until, in XX/XX/2022, LoanDepot imposed an extra {$820.00} for force-placed insurance without notice to me. When I found out about this last week, they had already taken that extra amount from my bank account twice and they intend to do it again this month. 

When I inquired about the added charge, they requested my insurance renewal document, which I submitted promptly on XX/XX/XXXX. Now they say it Loan Depot will take another 10 days or more to return my money, which by then will have another {$820.00} added and that they will not pay interest on the balance of my funds they are holding. 

They also said they sent XXXX letters to my XXXX house notifying me that they had not received the insurance renewal document from XXXX. I did not receive any of those letters and as noted have set up all administration and communication to be online or by email. 

The fellow from the escrow department also said CFPB rules require them to send letters before imposing an insurance policy but forbid communication by email or phone. He was quite adamant about that restriction, which made no sense to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Yes back in XXXX  I think can't remember exact dates. Wells Fargo made me lose my home. They said I had owed them {$5000.00} and that was not true. And they said if I didn't pay we would lose our home. Well I was laid off my job at that time and we were not able to pay {$5000.00} for something we did not do. So we ended up losing our home because of Wells Fargo
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've tried numerous times to get items removed from my credit report such as inquires i don't recognize and charged off accounts that were paid in full. ive asked the credit bureau for an accurate report of my account and nothing has ever changed.
Consumer complaint received 2020-11-29
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: Experian Information Solutions Inc. (IL)

I have been trying to get XXXX removed from my XXXX and Experian credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXXof XX/XX/XXXXalso per the law any debt over 7 years old should be deleted from the credit report. I want XXXX to remove both loans from my XXXX and Experian Credit file
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, I was called by Chase Bank customer service. They stated my account had fraud and an unauthorized person was able to login to my account in another location. They stated I had to deactivate my account and create a new username and password. As we proceeded further the fake chase bank who identified as chase bank with their phone number and caller ID wired themselves money from my account. I did not authorize any of this. Nor did o ever receive anything from real chase bank to validate this wire transfer or label it as fraud. Chase bank did nothing to prevent ALL of my money from being wired to an account I never sent money to before. They 100 % impersonated chase bank employees using names, locations, numbers and ID numbers. I filed a claim to chase bank and they stated it was my fault. However, XXXX did nothing to prevent this wire. On top of this I reacted and was in chase bank on the phone with the scammer as it was happening. They did not react with urgency and did not care to do anything. They stated its my fault which is a lazy excuse to avoid helping a loyal customer. I am begging for help in receiving my money back as chase bank is the true issue here and not me. {$7600.00} was wire transferred to a XXXX XXXX XXXX bank on XX/XX/2022 XXXX est. 

Thank you, XXXX
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is allowing XXXX XXXX  to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only XXXX XXXX but Transunion and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I notice that {$28.00} was missing out of my checking acct ending in XXXX. My bank 53rXXXX and I decided to close this acct and start a new checking acct ending in # XXXX. My new acct was compromised about two weeks later for {$14.00}. 53rd dispute dept awarded me both transaction disputes, even though was still upset and baffled about how was someone able to steal my identity. 

My XXXX  check for {$1000.00} was deposited on XX/XX/XXXX. On this date I made authorized payments to XXXX  for {$280.00}, XXXX XXXX, XXXX XXXX {$63.00}, XXXX  XXXX XXXX XXXX {$46.00}, XXXX XXXX, and XXXX for {$910.00}. In all these places, I paid via phone payment by customer service representative by XX/XX/XXXX and XX/XX/XXXX. Every transaction was successful. 

On XX/XX/XXXX, I was informed by 53rd they are no longer going to be my bank and they are closing my account for good. I asked them why and they said, its in the best interest of the bank and this is a decision from the bank. They told me they were going to hold my money but I told them that was illegal and ai would notify XXXX. They told me shortly after to head to the bank and speak to representative in there. 

I went to XXXX and XXXX XXXX building. The teller told me that they are giving me all my money from my check. He called corporate and spoke back n forth repetitively with them. He kept asking me how much is my check for. I responded several times, {$1000.00} from XXXX. The teller gave me {$1400.00} bucks. I asked what was this for, but the teller just was saying this is how much you have nonchalantly. So that was a surprise to see more money than usual. 

Around mid XXXX, I received numerous calls from XXXX, XXXX, XXXX XXXX etc. I was told by all these creditors that my XXXX payments were returned. I stated to them all that I paid my bill in XXXX and will get verification that I paid from my former bank. I went into 53rd and retrieve acct summary for XXXX and XXXX. I noticed right away all the returned charges done by 53rd. No teller had an explanation, so I called in. I explained the situation and was angry that they made sure to return all my payments behind by back. This caused me to owe creditors late payments and interests. Apparently, the money I thought extra was the returned payment money done on behalf of the bank. The total of all returned payments were {$630.00}. This is higher that the {$490.00} dollars given to me extra, Also, 53rd knew when they gave me the extra money with my check what their motives were. Their motives was to hurt me financially along with the thief, by stealing my extra funds fictitiously. I was signed up to 53rd ID Alert for $ XXXX monthly and wasnt aware that the thief also changed my address with the bank to their address of XXXX XXXX XXXX XXXX   XXXX, IL XXXX.
Consumer complaint received 2023-01-11
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. (TX)

I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are 9 address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (GA)

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XXXX erronously opened an escrow account w/o my authorization. There was a gap in Homeowners Insurance that was corrected and paid in full. A new in force policy was provided to XXXX timley. My loan # is : XXXX ; the property address in : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is the second complaint I have filed. I filed complaint # XXXX on XXXX XXXX XXXX XXXX. I have heard nothing from XXXX or the CFPB re my prior complaint.,
Consumer complaint received 2020-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed an Item XXXX XXXX account ) on my credit report three times XXXX XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) with no acknowledgment or confirmation from the credit bureau as to why this item is on my credit report.
Consumer complaint received 2021-08-15
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. (TX)

I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Consumer complaint received 2021-08-15
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 submitted a dispute showing inaccurate information reporting to the three BureaXXXX. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with XXXX XXXX XXXX  resulting in redacted account number xxxxxxxx XXXX. 
I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.