davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NJ)

About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently reviewed my credit report and saw a collection named : NATIONAL CREDIT ADJUSTERS, on it, trying to collect an alleged debt with an alleged creditor XXXX XXXX XXXX XXXX XXXX XXXX I think ) because they were the alleged creditor before with an alleged balance of {$480.00}. I do not even know where this account is coming from, I am definitely sure that this account does not belong to me, just about two months ago, there was a different collection company named XXXX XXXX XXXX, trying to collect on the same account. I am attaching as Exhibith A the previous dispute with XXXX XXXX XXXX with a copy of Police report that I filed on XX/XX/2018, regarding an issue with identity theft.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Hey Ive received a letter XX/XX/2020 saying that I will receive payment by prepaid debit card. But I never received any prepaid card from the government and I need to know why not.
Consumer complaint received 2021-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

My issue is with Ocwen Loan Services/PHH Mortgage XXXX 

We had two loans and one was charged off The first mortgage had a modification done to it and the second did not and we were not able to get the second modified. 

The HAMP Obama law that was passed was if the first mortgage is modified the second mortgage it is mandatory to modify it. 

This did not happen we were never able to get the second modified. 

Can you ask Ocwen did they not know the proceeders to modify the second after the senior mortgage has been modified. 
I would like a written response to know what happened. 

Respectfully, XXXX XXXX
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (AZ)

Re : Checking acct ending XXXX Transactions on XX/XX/19 for XXXX and XXXX were both fraudulent transactions. These transactions have also overdrawn my account causing overdraft fees with others to possibly follow if I can not stop auto bill pays in time. We immediately notified that these transactions were fraud and told it would take ten days before a credit can be possibly issued. This is unacceptable and will cause unnecessary hardship on our finances. Any other bank like XXXX or XXXX  XXXX XXXX would have immediately issued a provisional credit while the transaction is already investigated.
Consumer complaint received 2022-08-13
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : 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 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 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: EQUIFAX, INC. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax 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 2020-11-16
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. (CA)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Consumer complaint received 2017-09-24
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: EQUIFAX, INC. (MA)

My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}
Consumer complaint received 2021-02-10
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: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/21 my credit was ran by AmeriSave Mortgage Corporation without my consent I received a letter in the mail stating my 3 credit scores and stating I am trying to apply for a home loan. 
I am not trying to apply for home loan or refinance.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OK)

Chime closed my account around XXXX XX/XX/2022. Told me Id receive my leftover money in 30 days. which would be XX/XX/2022. Ive called multiple times and theyd lie to say that the money would come in the next business day over and over. Ive emailed and got no help at all. just a bunch of lies. It is now XX/XX/2022 still no check in the mail. theyve been holding onto my money for almost 2 months now. my employer even confirmed that they still have my check. Overall I feel robbed and nobody has actually helped me. Only lied to me over and over.
Consumer complaint received 2020-11-16
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. (MI)

Experian just closed my complaint stating a Duplicate complaint which is not the complaint number XXXX that complaint was about the XXXX XXXX  letter stating I do not owe any Debt money nor is the XXXX XXXX  reporting a debt. My recent complaint is stating why is Experian reporting a Debt Collector XXXX XXXX XXXX XXXX as an installment loan on my credit report for {$270.00}. Under the Fair Credit Acts a Debt Collector is not a Banker. Experian has let XXXX XXXX XXXX XXXX open an installment loan illegally in the name of XXXX XXXX  on my credit report then reduced my credit score by 50 points with out any legal documents that state I had installment loan with XXXX XXXX  that is deceptive practices. I have also notified the proper authorities to have Experian prosecuted for fraud and invasion of privacy. I have sent Experian Credit Report showing XXXX XXXX XXXX XXXX as an installment loan. Experian why do you not send this complaint to your furnisher?
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NE)

I got a paper in the mail today XX/XX/XXXX from Synchrony home saying i have a account open ending XXXX which i had no knowledge of. It was also opened with my old last name XXXX. My last name changed to XXXX XX/XX/XXXX. I went to there website and the only directions they gave were to report it.
Consumer complaint received 2023-01-09
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. (KY)

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 XXXXSC 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 an 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 1681 s-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. XXXX ACCOUNT # XXXX ; XXXX XXXX BANK ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXXXXXX XXXX XXXX # XXXX ; XXXX XXXX BANK ACCOUNT # XXXX
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Dispute items on my credit report as accurate when in fact is not. According to 15 usc1681b They don't have my written consent to report any item on my credit report to continue to do so is consider identity theft by law.
Consumer complaint received 2021-10-13
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: TRUIST FINANCIAL CORPORATION (AK)

I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus.

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2020 I attempted to buy a computer graphics card from XXXX from someone names XXXX XXXX XXXX. This person stated that XXXX XXXX took too much money from the buying transaction and thought XXXX was a good payment form. I thought the same as XXXX goes directly through your bank. I was wrong though. It has now been 2 weeks and i called USAA ( my bank ) to get an update. Just to be slapped in the face by being told " We got a response back from XXXX saying that in there terms and conditions they can not do anything in a buyer and seller situation. So I bought a graphics card for {$450.00} through XXXX but never received the item and even tried to contact the seller multiple times but was blocked.
Consumer complaint received 2022-11-18
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: Self Financial Inc. (IN)

XXXXXXXX XXXX self XXXX account number XXXX I have been disputing this account since XX/XX/2022, every month. This company has not been able to validate the debt. Ive noticed Ive been violated pursuant to the FDCPA, there is evidence of the use of abuse, deceptive and unfair debt collection practices. These practices resulted in infringement of my intellectual property rights. 
According to 15 USC 169c ( c ) ( 2 ) and 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also states consumer reporting agency CAN NOT furnish an account without my WRITTEN consent and I am demanding all of the following : -Stop illegal negative reporting to ALL consumer reporting agencies and report positive reports or remove this account from my consumer credit report. Remove late payments from XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both Experian and XXXX who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.
Consumer complaint received 2020-11-16
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. (MS)

On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that were listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter addressing that. I still haven't received a response and it's been 5 months!!