davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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. (TX)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-09-06
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NH)

Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You
Consumer complaint received 2016-10-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2016 I use chase bank atm on XXXX XXXX XXXX XXXX XXXX tx XXXX. The atm gave me back part of my deposit but kept {$220.00} of my money and gave a receipt with a XXXX to call. I filed a claim with chase and they are stating they ca n't find the funds. I really need this issue thoroughly looked into because I want my money back.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I was on the Southwest Airlines web site and was going to book some air. An ad pops up from Chase cards that if I apply for their Southwest credit card I could get XXXX bonus miles. So I applied for their card. While trying to book air I get another message that says I will get a {$100.00} credit for booking the air with their credit card. I could n't book with their credit card since I had just applied for the card and did n't have the information needed to book using their card. So I stopped trying to book and called Chase to see if I could get the credit card information. I had to talk to someone to get the application approved. It was approved but I could n't get the information that I needed to get the air booked. They expedited the card to me but since it was a holiday weekend it took 5 days to get it to me. I got the card and was able to book the air but I saw nothing anymore about the {$100.00} credit or the XXXX bonus miles. I called today to see what the story was and was told that there were XXXX offers that I saw and I could n't combine them. If those offers show up in the same day on the same transaction I would think that they should be combined. I feel this is a bait and switch tactic.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have applied for a vehicle loan and I was already approved. I'm moving forward to crest an account with bank of america and make payments, but I am not given information as to why I can't make my payments online or access my account without given a reason and asked to call. I have given a call but I keep getting out on hold, transferred to other departments and being hang up without a solution to my issue. I am afraid this will impact my credit score and the company might black list me or put me under a criminal warning list when it is on fact not an issue created on my end.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I contacted the credit bureau  ( s )  and inform them that the information/account number being reported by Bank of America is not my account, please remove, and have Bank of America provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I am writing to you to address a longstanding issue regarding my XXXX XXXX credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my XXXX XXXX credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off.

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects.

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause.

In pursuit of a resolution, I engaged in extensive correspondence with both XXXX XXXX and the credit bureaus. XXXX XXXX conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report.

Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with XXXX XXXX for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and XXXX XXXX. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.
Consumer complaint received 2017-05-23
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: JPMORGAN CHASE & CO. (CA)

In  XXXX   2017 , I settled credit card debts with  XXXX  on behalf of chase bank eliminating my liability on  XXXX  credit cards I had with them. After more than 3 months, chase has failed to accurately update my credit report. They updated the report showing the  Settlement  payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with chase and the credit bureaus multiple times without success.
Consumer complaint received 2016-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

I have received 11 calls in the past 3 weeks from XXXX number. They ask for someone I do n't know ( XXXX XXXX? ) ; I assume she had this number before I did. I have told them they have the wrong number, I do n't know her, and please stop calling me. I have told them this at least three times, and they have agreed to stop calling. ( The other times I have not answered my phone. ) But then they call again. And again. Today when they called, I spoke with a man who told me he had no record of my asking to be removed or that it was a wrong number, so apparently they have just ignored my requests. I told him I was going to report his company because I 'm tired of the frequent calls. He gave me the name of the company, Transworld, but refused to give me any other information. He said since I was n't the lady he was calling, he could n't tell me anything else, not an address, not whether or not they were a debt collection agency. I found out by searching online that they are a debt collection agency. I do n't owe any debts to anyone. I do n't know the lady they 're calling. It seems like they would stop calling me if I 'm not who they 're looking for.
Consumer complaint received 2017-04-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative (   XXXX   ). Incorrect address (  XXXX   XXXX   XXXX   XXXX   ).   XXXX  revolving account  XXXX   XXXX   XXXX  and  XXXX  credit card. Also, a incorrect name  XXXX   XXXX . I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Billing statement — 
Company: STERLING JEWELERS, INC. (NM)

I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-09-06
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. (NC)

I genuinely appreciate the time and effort exerted by XXXX and XXXX Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I have a XXXX card that was enrolled, without my consent, into a debt protection program. This resulted in monthly fees that went unnoticed due to not being aware of the enrollment ; the charges date back to 2008 when HSBC owned my XXXX ( it is Citibank 's now ). My total balance due hardly declined due to the monthly charges of this protection. Now I owe almost XXXX my maximum credit limit because my deferred interest has reached its deadline and has now being applied to the total balance. I would have much less balance due and interest accrued if it was not for the monthly fee of an unauthorized enrollment in debt protection. If I did not enroll in a debt protection, it is because I did not need it.
Consumer complaint received 2022-09-06
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. (NC)

I genuinely appreciate the time and effort exerted by XXXX and TransUnion Credit Bureaus to remove a portion of the disputed accounts from reporting on my Credit Report. But I believe that there are still fraudulent accounts and information being reported on my Credit report. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that the consumer identifies as a result of the identity theft. I am now submitting this CFPB complaint to request the Credit Bureaus to please conduct another Investigation and remove the remaining disputed fraudulent accounts that are still being reported on my Credit File. I need the remaining fraud account be removed completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX OLD XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX 1920 XXXX CT XXXX, NC XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.
Consumer complaint received 2022-09-05
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00}