davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO E REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX XXXX NA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report XXXX. XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2019-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc (NC)

Company has re-aged a debt.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

My mortgage is and Interest only loan, and the payment has adjusted out to {$3000.00} monthly. I 've been trying to modify my mortgage since XXXX  2017. 
My mortgage server changed before the modification process was complete. 
I 've submitted financials and a modification request to Shellpoint mortgage several times. They have given me a difficult time asking for the same paperwork I 've already provided to them. I feel they are giving me the run around and they are trying to foreclose on my home. I 'm requesting a fixed rate mortgage and payment for 30 years. 

Please help
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

Today I sent money to a person who used XXXX for tickets to a football game. Found out the game was not goin to have fans after I purchased what was suppose to be tickets. I paid XXXX dollars using XXXX with Wells Fargo. After contacting the seller several times with no response. I made a call to Wells Fargo. They said since I had sent the money. I had given permission and there was nothing they can do.
Consumer complaint received 2018-01-24
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. (GA)

Equifax has placed my credit file in the Office of Consumer Affairs. I can not view or see what is going on with any disputes. 

The company refuses to block the fraudulent information and every time I report it to the Consumer Finance department Equifax always request more time and never properly assist me with disputing the accounts and/or blocking the accounts. The company ( Equifax ) is not telling the truth about needing more time to research the dispute. The company is violating the FTC laws and trying to cover up things with the Consumer Finance Department as if they have my best interest.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (IL)

XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.
Consumer complaint received 2023-01-28
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. (PA)

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 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Inc. (TX)

a medical bill was added to my credit report for my daughter b y Receivable Management .... ive s poken with them several times and was told to send the insurance info for that time of service ... I did so months ago and it still shows on report ... called today and was told that since it was so long ago that im still responsible for the debt ... I infrm that its not my fault that the medical office fail to report the claim and of course the medical office is no longer in business
Consumer complaint received 2018-01-24
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. (LA)

On XX/XX/XXXX, I contacted Chase about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.
Consumer complaint received 2018-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have reached out to three credit reporting bureaus to correct the false claims that came up after I was informed the my personal email and information was being use for on line accounts that aren't mine. The XXXX breach has caused me all of my life saving and other banks accounts to be drained as well. And now I am going to be homeless because of these Deceiving reports that XXXX and Transunion and XXXX are give to unknown. All three bureaus have been scaming me of monies on a monthly time. And the minute that I cancel my account they have still deceiving me with there Fraudulently scores. I am going to sue them for all of there harmed they are do me.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

I opened a Citi Priority checking account in XX/XX/XXXX because I received their advertisement stating I could get $XXXX bonus if I fulfill the following: Open the account by XX/XX/XXXX, fund the account $XXXX, and make 2 direct deposit. There were no mentioning of "existing account holder not qualified" on the ads, and I had a checking with Citi but I still received this ads, so my understanding is that I qualify. I fulfilled all the requirement by XX/XX/XXXX, and did not see the bonus of $XXXX. So I called Citi. The agent did some research, and told me to wait some time. So I waited till XXXX, and called again since the bonus is still not posted. Another agent said I need to wait 3 months after all the requirements are fulfilled. So I waited another month. Still nothing. This time, the agent told me they would research and send me a letter. I received the letter, which said I did not qualify because of my existing checking account. I believe it was very dishonest for Citi to do. First, they should not have sent me the ads if they know I did not qualify. Second, they knew I had an account and should have told me at my first contact. But instead, they told me to wait and held a large amount to them for zero interest for almost 6 months. This is textbook definition of Bait-and-Switch. I cannot believe a large corporation like Citi is doing such dishonest things to its loyal customers.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not XXXX XXXX.
Consumer complaint received 2021-09-09
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. (NJ)

I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not XXXX XXXX.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

Dear  SIRS I have OCWEN LOAN SERVICING on my mortgage Last year when I finished Bankruptcy I contract CFPB as OCWEN charge me for an additional three months for back payments they never told me about only after the discharge I filed and the doucments said I was one month behind -- - at the end of 36 month I now was three payments behind- with the new CHARGES with OCWEN is this something you are   looking at -  XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

i have written experian over a year on something as simple as eliminating addresses in my file, that are not related to me. i a m a XXXX XXXX and when they pull my credit it looks like im hiding something, or lieing to the dept. why is something so simple a XXXX time consuming project. who are these people with all this power over our lives, we cant do anything about
Consumer complaint received 2019-03-06
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. (OH)

I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. 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 2015-07-16
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if " father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. )
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (IL)

company reduced credit limit again causing my score to fall due to utilization level, XX/XX/XXXX V {$900.00} they did same last year, XX/XX/XXXX, V {$300.00} they did this after I accepted an offer 0 % apr thru XX/XX/XXXX. 
I never missed a payment with them, 37 months & counting. 
I do not use the card, therefore denying them interest.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....
Consumer complaint received 2021-09-09
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. (DE)

I am a victim of identity theft. There are fraudulant accounts on my credit profile that needs to be removed immediately. 

Fraudulant Creditors : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (MO)

I went to XXXX to make an ATM withdrawal for money and never received the disbursement when the time came. I called the owner of the card immediately and was advised to complete forms for an investigation to receive my money back within ten days if I qualified or wait 45 days to get refund of money never given to me.
Consumer complaint received 2018-01-24
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: Executive Financial Consultants, Inc (MO)

I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-10-21
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. (FL)

On XX/XX/2018 I disputed withTransUnion a XXXX XXXX account XXXX reported as a charge off against my credit file. On XX/XX/2018, less than 24 hours later, TransUnion reported they did an investigation and the account was verified. 

Because I know the XXXX  XXXX account is reported in error and because any investigation into the legitimacy of a disputed account takes more than a few minutes to accomplish, on XX/XX/2018 I requested from TransUnion a Method of Verification pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) to document how the XXXX XXXX account was " verified '' by providing the following within thirty days : What telephone number did you call? 
What is the name of the employee from your company who spoke directly to the above party? 
What is the job title of the employee of your company who spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? 
If there has been written communications, please provide copies of all correspondence, copies of any and all conclusive documentation to prove that you have, in fact, conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency.

Provide the SPECIFIC date reporting that these items will cease. 

The Method of Verification request was sent via First Class Mail and facsimile to TransUnion on XX/XX/2018. ( a true and accurate copy is attached including facsimile confirmation receipt. ) Under the statue, TransUnion must respond to the request within 30 days. To date, TransUnion has failed to respond over a year later. 

After many phone calls and correspondence, TransUnion refuses to cooperate with request and continues to report the XXXX XXXX charge off against my credit file over one year later.