davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
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. (AZ)

This company XXXX XXXX XXXX is reporting that I open an account with XXXX and owe them {$1300.00} dollars. They stated that I open the account on XX/XX/2018. I have a existing account with XXXX and I am in good standing. I ask them to produce some documents with my name or signature on it showing that this is fraud and belong to someone else.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTEAD FUNDING CORPORATION (PA)

My buyer used XXXX XXXX with Homestead Funding Corp as his lender. He was never given a closing disclosure with the final, approved numbers on. The buyer spoke to XXXX on Friday XXXX and asked what amount to bring to closing. The buyer was told that because they are so busy, he will not have that amount until the day before closing. I had a walk-through with the buyer at the property the day before closing at XXXX XXXX. At that time, he was still not given a closing disclosure or told the final approved amount to bring to closing. He reached out to XXXX and got no response. I then emailed the title company handling closing and was told they were still waiting on the information from the lender. Our closing was scheduled for XXXX XXXX  on Wednesday XX/XX/14. Around XXXX XXXX   Wednesday, I received a closing disclosure from the title company and immediately sent it to my buyer with the understanding from the title company that they were still working on finalizing it as their numbers and the lenders did not match. I feel this is absolutely a TRID violation.
Consumer complaint received 2021-03-29
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)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-29
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. (LA)

This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NY)

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 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (PA)

Hello, I'm XXXX XXXX I am writing this complaint because I had went to download the XXXX XXXX app and the XXXX because I had tried to apply for something and they told me that I needed to have a better credit score.. I am not familiar with credit and how it work I was on my account and it had showed me accounts I was not familiar with at all.. These are very much so fraudulent accounts because I've never used these accounts before.. Could you please help me to remove these things because they couldn't have been done by me... Thank you so much and have a blessed day
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I would say for the past seven months. there have been letters sent out to PORTFOLIO RECOVERY they can provide that those accounts are indeed mine. I will be attaching one of the letters to this complaint. I have not even ONCE received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA requirements ''. Well I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY they are " MEETING FCRA REQUIREMENTS '' I asked for verification and I received nothing. If I am not mistaken If I am not supplied with the evidence after 30 days THOSE I ITEM WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I have a current complaint with this same company # XXXX. Now they have created another problem for me. On XX/XX/XXXX they sent me this message in an email : Hello XXXX XXXX, Your bank account ending in XXXX was re-added to your PayPal account on XX/XX/2020 at XXXX PST. If you confirmed this bank account when it was originally added, it will be reconfirmed automatically. If not, please log in to your PayPal account and confirm your bank account details. You must confirm your bank account to use it with your PayPal account. Thanks, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page. 

I have little idea what is going on here but I do not want any bank acct linked to my paypal account unless it is at my direction. I dont believe I ever had the acct mentioned linked so I have no idea what they are talking about. I need paypal to undo any actions like this they have taken. And I need them to respond and take action related to my original complaint so I can access my funds and take care of any other issues. I need access to their company not just a website that does not work.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I submitted disputes to equifax regarding two accounts on my report ( with them only, not XXXX  or XXXX ) that do not belong to me. In addition, there were numerous addresses that Id never heard of and a suffix XXXX added to my name thats not correct. It has taken a month, hours and hours of phone calls, and the issue is still not resolved. They finally today gave me an update, but the XXXX is still on my name, they added XXXX XXXX to my address for some unknown reason ( its a house! ) and told me one of the two disputed accounts was verified accurate. I called the bank in question who told me in no uncertain terms that they dont have an account with me and would not report that to equifax. Someone over there seems derelict in their duties. Im the farthest thing from a xenophobe, but I want to add that in the 10 or so calls Ive had to try and make to resolve this, every person has had the same strong accent, so they may want to reconsider if outsourcing this job to save costs is worth the loss in consumer confidence. Im beside myself right now and wish there was some recourse I could take against a company that I dont have a choice on whether or not I deal with behaving so irresponsibly.
Consumer complaint received 2020-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (MD)

My complaint is more about the letter mailed to me from Intercontinental Capital Group XXXX in XXXX NC. about refinancing. The letter had a gift card attached and states to call to activate the card and to ask any questions I may have about refinancing. No where in the letter does it state that you must agree to let them look at your credit and try to get you a better rate to activate the card which is what I was told after I turned him down for pulling my credit. He also stated that there were no closing costs but when questioned admitted that they are rolled into the loan, which to me is deceptive when saying no closing costs because there are closing costs rolled into the loan. My mortgage is six months old and I dont need more closing costs rolled into my mortgage. I believe this to be predatory lending practices and false advertising.
Consumer complaint received 2023-01-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from XXXX XXXX   through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX  in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Consumer complaint received 2021-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute XX/XX/2021 in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-10-21
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. (NJ)

The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows XXXX XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX  XX/XX/XXXX {$220.00}. Fraudulent 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.
Consumer complaint received 2017-08-07
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. (NJ)

On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (GA)

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. 
Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights. 
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 2020-11-12
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-11-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Home Loan has been taking unauthorized money out of my Home Equity Loan account # XXXX. I had opened a case with CFPB # XXXX which resulted in BofA correcting my account which reached a good state on XX/XX/2020 and now the unauthorized process of taking money out of my account has started again. I have neither taken this money our nor authorized it and as of today my balance is XXXX instead of XXXX. Customer service is not reachable and my emails haven't produced results. I really don't know if this is fraud or pure incompetence at the bank. I need help correcting this. It should be illegal for BofA to take money out of my account unauthorized and they should have consequences.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My Information was sold and bought illegally because i was a victim of the eqiufax data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that Equifax has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and Equifax has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX  XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed XXXX XXXX XXXXXXXX XXXX closed XXXX in correct auto loans saying closed whenn they were paind in full XXXXXXXX XXXX in full and XXXX and XXXX XXXX XXXX for XXXX never had XXXX
Consumer complaint received 2020-10-21
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. (OH)

The information for this account is incomplete and INACCURATE across XXXX  and TransUnion. 

Reported up to XXXX on XXXX  with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the TransUnion with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611