davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (MA)

notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits. the furnisher isnt the one that going to be in paying remedy its your company.
Consumer complaint received 2022-08-11
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: U.S. BANCORP (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report does not relate to any transactions that I have made and are not related with my current accounts. It is FRAUD XXXX Report XX/XX/202XXXX US Bank {$480.00}, XX/XX/2022 US Bank XXXX Same bank reporting different amount XXXX XX/XX/2022 US Bank {$620.00} XX/XX/2022 US Bank {$480.00}
Consumer complaint received 2023-01-31
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. (FL)

I did not authorize or do any of these hard inquiries on my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & MacNeil, LLP (AZ)

A money judgment {$1400.00} was awarded to XXXX XXXX ( who by profession is a professional debt collector for XXXX XXXX ) in XXXX. Apparently Ms XXXX obtained a debt collector in XXXX by the name of XXXX XXXX, who started a Writ of Garnishment in XXXX, I guess it failed and then debt collector started it again in XXXX Mrs. XXXX and Ms XXXX colluded and committed fraud upon the court in the amount owed. Ms. XXXX had been getting payments from debtor via XXXX XXXX since XXXX and willfully withheld the information from debt collector ( according to the debt collector in an email she sent me on XX/XX/XXXX ) this is also the first time Mrs XXXX contacted me in regards to this debt, there was never a validation notice sent which she also affirms she never sent me ANY correspondence in her emails to me. Mrs. XXXX also added over {$570.00} in fees to the debt of {$1400.00} in XXXX when she filed for the Writ, but the total amount owed was {$930.00} since XXXX, ( as of XX/XX/XXXX {$1400.00} had been paid ) a hearing date has been scheduled for XX/XX/XXXX to cancel this Writ, a formal complaint has been filed with the Attorney General 's office, violation of the FDCPA is criminal in AZ no money damages available, my lawyer will be filing suit for money damages per statute after the hearing XX/XX/XXXX. Between both individuals there is over 30 years of debt collection so this was not a one off or accidental.
Consumer complaint received 2023-01-30
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX my Bank of America card was stolen. As soon as I noticed the card was missing I went online and closed the card. It was to late. Someone checked the account then withdrew XXXX dollars and then used the card at a grocery store for another XXXX dollars. Also used it for a uber. This should have not been allowed for one because the withdraw limit a day is XXXX dollars and I already withdrew XXXX eariler that day myself. I tried to call right away to put in a claim because it definetily wasnt me. I was told I had to wait till monday to put in a claim. I called first thing Monday morning and filed a claim I was told to wait a few days to call and get a provisional credit. I waited 5 bussiness days calling today XX/XX/XXXX and now they are telling me I have to wait 10. My major issue here is that i can sneeze wrong and I have to call and argue to get my account turned back on so how did they let a theif steal over the daily withdraw limit and not have the card blocked. Now I am fighting to get my money back and will probally have to cancel vacation plans I had with my son because i can not get the money back in a timely fashion that shoul have never been taken in the first place as per their policy on daily withdraw limits. That and the fact they lock my card just about every time I try to use it but let a theif wipe my account out.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MD)

I called the customer service number for pay pal because I was receiving phone calls and emails threatening to bill me for the service that I didnt want. 
They insisted that I fill out a refund form event though I didnt need a refund, I just wanted to close my account. After several frustrating hours, I gave them permission to control my computer. The guy added too much to my account, then insisted that he would lose his job if I didnt go to XXXX  to buy {$1000.00} gift card. Which I did and then gave him the numbers for 2 {$500.00} gift cards. Today is a holiday and I wasnt able to reach my bank. 
The 2 XXXX gift card were : Card # XXXX Access # XXXX Card # XXXX Access # XXXX I am XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-09
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
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. (GA)

Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in XXXX XXXX.
Consumer complaint received 2020-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Appeal to Response on a closed complaint : XXXX Hello, I have read the response and I understand the Homeowners Protection Act ( PMI Cancellation Act ) 1998. Simply put " once the homeowner has 5 years and 78 % equity it should be satisfied. The other issue is having no late payments for 12 months. I bought home in XXXX of XXXX. I did have some difficulties paying on time due to a judgement that was awarded against me and they garnished wages and I was paying child support at the time. I had to stop the bleeding and file bankruptcy in XXXX. Under the homestead protection law my lender Chase was very good to me and modified my loan. Things were fine and I was doing well no more child support paying my mortgage on time. The 5 years ended in XXXX but since I had a modification I understand I needed to have 12 months of current payments. Now this was in XXXX or XXXX. I had 78 % equity and the 5 years of pmi and 12 months paying on time. Five and a half years later the PMI stopped only because I brought it up to their attention or I would still be paying it. I got into trouble again in XXXX but that should not matter I met and satisfied the PMI Act in XXXX for sure. Again, I want my refund due to me. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Account Services, Inc. (NH)

Allied account services reported me to the credit bureaus for delinquent payment on my final bill. Due to Covid national grid did not send a final bill till XX/XX/2020. By that time they sent it to collections. Allied account services did not even try to contact me. Had they contacted me they would of known I had already paid the bill in full. They report inaccurate information to the credit bureaus. They knowingly do this. Reporting inaccurate information to the credit bureaus is against the law.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (CA)

We had a death and change of address in the family where we did not know an HOA changed, we had auto payments going to the wrong address which I provided a death certificate and proof. Once we found out it was too late and the HOA payments went to collections. I engaged with the collections agency and told them what happened but they would not accept my offer to pay the due fees and insisted on exorbitant legal fees. They never were in contact with anyone so why would they go in this direction. They won't accept my fair offer.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

I was turned down by Quicken Loans for my refinance through them, even though my debt to income ratio was fine, I agreed to take XXXX dollars less for my child support than my order says. Quicken loans said I had to go back to court and get a new order. Can they legally do that?. Also, when I said I was unwilling to do that they wouldn't refinance my loan, then turned me over to all 3 credit reporting bureaus told then that my loan through them was in deferral and that my student loan through them was in deferral. I don't have a student loan, nor do they even finance student loans I don't think. The have made my credit score go down and have delayed my refinancing through my bank, banner bank. Purely shameful way of trying to keep my business. And they not only checked my credit once, they checked it twice. They should be in some kind of serious trouble for the aggravation they have caused me. They need to make this right. They also sent me a letter telling me I was delinquent on my loan and they were going to start foreclosure. I have never been late, I always pay early and I generally pay extra.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-10-13
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. (NV)

I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

My loan was paid off XX/XX/2020. I have been in contact with the lender several times since trying to get money owed to me from escrow overage. They owe me a total of {$2600.00}. They have stated on several ocasions that they would be sending me the check. I have not recieved anything from them yet. I am just looking for help. 

company name : AmeriHome Mortgage, NMLSID XXXX
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2020 I received a notification on my phone about an attempted purchase through my Pay Pal account. The attempted purchase, was for a total of {$890.00} for which I did not recognize nor authorize. I responded to the Alert accordingly, and assumed it would be the end of it. Unfortunately, Pay Pal decided to let the purchase go through ( Trans ID : XXXX ), even though my response was recorded that I did not authorize. As such, the transaction went through ( XXXX XXXX ) and processed the fraudulent order. 

A few days later, after selling some items on XXXX that processed through Pay Pal, there was a Negative Balance owed of {$890.00} to my surprise. Not only were the funds from my XXXX sales held, but Pay Pal is showing I owe a balance on this purchase that should never been allowed in the first place. Not only that, the proceeds from the XXXX sales that were held, were then applied to this same fraudulent transaction that has put my account in the negative. 

I've spent weeks and months at this point, speaking to XXXX XXXX, speaking to Pay Pal, and speaking to my Bank. Nobody has taken accountability. Nobody has provided a resolution. In fact, the only thing Pay Pal has done is deflect blame and refuse to resolve this issue. 

I opened a case with XXXX XXXX, and discovered the fraudulent purchase was for an IPad that was shipped and delivered to a completely different state. I live in MA, this was sent to NY ( I have no ties to NY, nor was I in NY at this time. I have proof, as I have been battling XXXX XXXX here in MA for the last 4 months!!!!!!!!!!!!!! ) I've opened a case with Pay Pal XXXX XXXX XXXX, which was closed with the following resolution " Thank you for reporting this case. After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection ''. Subsequent Case Details show the following : " Transactions not refunded. We have been unable to provide any refund on the transactions listed. '' So here I am, {$890.00} negative due to THEIR negligence. I am {$890.00} negative, after THEY sent me a notification about an UNRECOGNIZED purchase, to which I RESPONDED ACCORDINGLY to report the attempted FRAUD. 

How do you hold someone accountable for a purchase they never made that was clearly fraud, and reported as such, yet you allowed it to process anyways? 

What is the point in notifying people of these potential fraudulent transactions, if you decide to just let it process regardless of what someone replies anyways? 

I have suffered tremendously dealing with this company week after week while going through a hard enough time with XXXX and XXXX. 

I've exhausted all my options with this company. Tonight, I was on hold for OVER 3.5 HOURS. I have screenshots to prove it. Bounced around from person to person, with yet again, no accountability and no resolution.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was aware of this fraud account on my credit XXXX of XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-07-09
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (NY)

Ally Financial continues to delay reporting updated balances and payment history to the credit bureaus. I have made repeated requests to fix this issue and nothing happens. I am constantly told it will take 30-45 days to be correct. 

However Ally Financial demands that I pay the account on time however does not honor there contractual obligations to report eh appropriate information to the credit bureaus.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2020-07-09
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. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX
Consumer complaint received 2020-07-09
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXX ACCT : XXXX XXXX : {$130.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without XXXX XXXX  XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX