davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
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. (TX)

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XXXX  XXXX XXXX acct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XX/XX/2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XXXX  XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XXXX  XXXX XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.
Consumer complaint received 2023-01-09
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXX NA XX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (LA)

I HAVE SUBMITTED MY FTC REPORT TO EQUIFAX CONCERNING XXXX XXXX XXXX AND XXXX XXXX. I DID NOT KNOW AT THE TIME WHO IT WAS BUT I BELIEVE THAT MY BROTHER ( WHO IS NOW IN XXXX FOR MURDERING MY XXXX  ) IS BEHIND THIS. THIS IS IDENTITY THEFT AND THEY HAVE YET TO REMOVE IT. I HAVE SUBMITTED A POLICE REPORT IN THE PAST ABOUT THIS AS WELL AS FRAUDULENT INQUIRES AND THEY STILL HAVE NOT REMOVED IT.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2019 someone deposited a fraudulent check. To my account for {$1500.00}. A representative called me to inform me about the fraudulent action. I immediately asked her to file a fraud claim. Since I never make mobile deposits. Especially from checks or any fake checks. I dont make any mobile deposits. From any devices that arent XXXX products. I always make my deposits in the bank or in person. After this happened. Bank of America was quick to freeze my account. And closed off all my cards. So I wouldnt have any access to my funds. I had {$170.00} dollars left in that account. Also a direct deposit from my job which was of {$760.00} that still posted from my employer. When I asked what was going on. They basically gave me the run around. Ive spoken to many representatives about this matter. They all say the same thing to me. Basically saying they cant do anything on the matter. They basically said I have to wait. Until the fraud claim is cleared. And that they are still investigating this matter. That these claims take up to 60-90 days to be resolved. When I asked about taking out my remaining funds. The money that I worked for the past couple of weeks. They said that wasnt possible. They cant do anything until the fraud department said it was ok. For them to be able to return my funds to me. Which would later be sent out to me. By a form of a paper check. Which is what I dont want. I want to retrieve my money from the bank. And just close out my account. Honestly who knows how long this claim is going to take. Due to Bank of Americas negligence and lack of security. Im in deep financial stress. Due to my account being frozen. Im not able to pay any of my bills. Im tired of talking to all these representatives and have them do nothing about the matter. Im financially struggling due to my accounts being frozen. And having no access to that money. While Bank of America does nothing on the matter in this investigation.
Consumer complaint received 2019-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to Equifax, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX with updates to my credit reports but, I never received one letter from either Equifax or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and Equifax have FAILED to respond 3 TIMES! This is unacceptable!
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (TX)

I have a charge on my credit card from Experian EXP Pay CC {$110.00} XXXX XXXX, 2020. This is not an authorized charge. It has no phone number on the charge and I do not have a statement to help contact the company. When I attempted to call a number i found from researching Experian numbers to dispute this charge, the answering service is all automated and you go around in circles starting with you must enter your 9 digit Social Security #. I called before XXXX XXXX and I refused to type my SS # so I called back at lunch with the same process. Trying to get an answer then at XXXX I finally gave in and typed my SS # then they requested my date of birth, your numbers on your street address and your zip code then it replied that wasn't enough and I had 2 choice of which neither were what I needed. XXXX and XXXX. I just need HELP contacting this company and they need to not be asking for all this personal information. I do not mind writing, emailing or calling but this company gives you the run around and does not have an easy solution to get your money back for a charge.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (NY)

Equifax has updated & verified an account in XXXX of XXXX even though account still is currently in violation and is still reporting as inaccurate. please see attachment. 

XXXX XXXX XXXX XXXX- still appears on Equifax credit profile with full and complete validation. This is a violation. 

XXXX  XXXX XXXX XXXX- still currently reports inaccurate last date of payment of XX/XX/XXXX. This is Inaccurate reporting XXXX XXXX XXXX XXXX- still currently reports a payment history on a collection Account. Account currently reports as not current ; This is a violation XXXX XXXX XXXX XXXX- still reports late payments on a collection account. 30days late/60days late/90days late this is a violation XXXX XXXX XXXX XXXX- does not report on either XXXX or XXXX ; under FCRA rules all 3 major credit reporting agencies must report consistent information on a consumer credit report. As a result ; this is a violation of FCRA rules.
Consumer complaint received 2022-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MO)

I put my loan in forbearance offered under cares act during the pandemic and the bank has jacked up the amount to high than it was before. 
I need an explanation because I understood that under the cares act there should not be any interest charges for the loan during the forbearance period. 
The bank has charged me XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX is being reported on my Experian, XX/XX/XXXX, and XX/XX/XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2019-11-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2021-06-30
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: Medical Data Systems, Inc. (NC)

When I checked my credit report and I have been checking it for the past months, these accounts are still here reporting in such a way that is derogatory and it affects my standing so bad. I am trying to build my credit and sorting things out. I want to ask for help regarding these accounts. These accounts are reporting collections yet it has a lot of missing information. Please help me out and have them removed.
Consumer complaint received 2020-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has  taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also  misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2023-10-25
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)

I signed up with XXXX XXXX whom said the represented XXXX  for an alarm service. 
I was NEVER told at anytime this was be reported as a XXXX  on the credit bureau, or was told or disclosed such information at anytime by the representative of XXXX XXXX. I ONLY gave them permission to pull my credit, no other authorization for anything else was given. This had also just dropped my credit score XXXX points, for being reported as a new account. 

Today on XX/XX/2023 I received numerous alerts from numerous credit card companies as well as Transunion saying a new account was opened in my name. At no time was I ever told this or I would never have signed any agreement for this service. I believe all information should be disclosed upfront and honestly, which they did not do at anytime. 
I am asking for the CFPB to investigate this companies fraudulent practices for non disclosure, companies should be upfront and forthright in there dealings with a consume XXXX I did try to resolve this matter by phone directly with XXXX XXXX and got nowhere.They would not help in any way to resolve this matter. 

I also called XXXX directly and they advised me they had nothing to do with this report, it was XXXX XXXX that misled me, not XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

My family and I moved out of the XXXX XXXX apartments in XXXX XXXX, TX in XX/XX/XXXX. We were never told by management that we had owed any money and we were paid up until we moved. We provided management our forwarding address and we also were still receiving mail at the property up to a month later. We never received any documentation regarding this collection, no phone calls. I have disputed this time and time again. This has been removed from my XXXX account due to the statute of limitations. Its been past XXXX years by TX laws and past XXXX years by GA laws. I didnt move from TX until XXXX. This has been removed and replaced on my credit several times in the past year and the balance has increased. This collection was also put on my credit in XX/XX/XXXX.
Consumer complaint received 2019-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am faithfully paying the account with this company..Incorrect late payments on XXXX and XX/XX/2018, not 30 and 60 days late.. Please reverse the late payments, i have a good relationship with this company XXXX  XXXX
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (CA)

On XX/XX/XXXX, Great Lakes posted to my XXXX  report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO Bank, N.A. (WI)

I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX  was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off. 

The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX  expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 years ago.
Consumer complaint received 2022-04-06
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. (GA)

This was not sent in error. I am a consumer by law and 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 or been notified on my investigation status making my credit report not 100 % accurate
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MD)

This complaint is regarding an attempt to collect a debt that has been paid and discharged by the United States Government.

The problem is paying on a debt that by contract law and stated in attached documentary evidence the security interest giving under this contract secures this contract. According to congress Title 15 US Code 1605 explains that the finance charge is the sum of all charges. Which makes the documentary evidence void by law being that it doesnt apply with the laws giving. The charges in the documentary evidence states APR, Amount Finance, Insurance and more all being separate charges. 


In XX/XX/2015 I entered into a consumer credit transaction, ( Title 15 Chapter 41 1602l ). I presented my social security account number ( Title 15 Chapter 41 1602j open ended consumer credit plan ) that belongs to the Social Security Administration. I connected my XXXX bond ( House Joint Resolution 192 ) of discharged in the United States on the document and claim my rights under Senate document 43, 73rd congress who states all debts under United States consumers are prepaid. Only I paid statements that I was not obligated to pay and are returnable to consumer and natural person congress also states in Title 15. 15 US Code 1692h multiple debts, in dispute of debts all payments given apply to the consumers direction.

Santander Consumer USA I am submitting this complaint as a federally protected consumer. Under Title 18 US Code 8 the United States is responsible for all obligations occurred by the consumer. Under 12 US Code 1825a, d, all obligations under my bond are exempt, full faith and Credit of the United States is pledged to pay obligations. Act 1882 Bills of Exchange defines the signer being the giver of the bill.