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. (NY)

This serves as my follow-up communication regarding the fraudulent issue I have encountered. Compliance with law 605b of the FCRA, as delineated in report # XXXX, is imperative. Failure to rectify the inaccuracies detailed below, which are attributable to fraudulent activities, will necessitate legal action through my legal representative. It is my preference to resolve this matter amicably, without resorting to litigation ; thus, I strongly urge adherence to the law. Kindly expunge the following fraudulent entries, which were initiated without my authorization or knowledge : 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- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which, to my knowledge, does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please be informed that you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Consumer complaint received 2020-04-18
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2020-07-12
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020, I sent Experian, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Consumer complaint received 2020-04-18
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES AS IDENTIFIED AS INQUIRES THAT WAS PLACED AND REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO DEAL WITH THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INACCURATE ACCOUNTS AND INQUIRES HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I believe the federal Student Aid, US Department of Education and FedLoan Servicing are utilizing deceptive trade practices when borrowers consolidate their federal student loans. The reason behind is allegation is as follows : 1. When consolidating federal student loans they do not provide any type of Truth In Lending documents. They do not even provide the payment amount per month until after the right to cancel passed ( 60 days ). Once I realized that I could not afford the payment I was passed the cancellation date. Now I am stuck with a student loan payment that I can not afford. <P/>2. In the federal student loan online consolidation system it allows the borrower to check the box for an Income Based Repayment, regardless of whether or not your loans qualify for this type of repayment. This is a flaw in their system. <P/>3. Poor information is conveyed both verbally and through the website about the affects of consolidating Parent Plus loans into other federal student loans. We contacted Student Aid.gov and spoke with them prior to the consolidation and were not warned about the differences in payments between and IBR and an ICR. The website is not clear either.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC (CA)

On XXXX XXXX my XXXX, XXXX XXXX XXXX XXXX, purchased a house at XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX. I used Recovco Mortgage Management , LLC d/b/a Sprout as my lender. There was a construction hold back in the amount of {$630000.00} for the purpose of rehabbing of the house. On XX/XX/2020 I submitted my first initial draw request for work that had been completed and now due for reimbursement. I received a wire transfer in the amount of {$9900.00} which was minus my first house payment of {$2900.00} that was taken out without my authorization. After the 3rd time of trying to get reimburse for monies I spent on the project which was taking over a month, I decided to finish the project myself. 

After I finished my project and had my son living there until I got it refinanced, I received this message from XXXX XXXX a reprehensive for Sprout Mortgage, " XXXX, Management is not releasing the remaining rehab funds since the property is rented out. That is in violation of the papers you signed at closing ''. 
Please send in payments for the outstanding interest owed and let us know how the refinance is coming along. When do you anticipate it closing? 
There is nothing that states I couldn't allow my son stay there until I sale or refi my property.
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.
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. (VA)

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 2017-10-19
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)

ON XXXX I DISPUTED A ACCOUNT ON MY EQUIFAX CREDIT FILE THAT I DID'NT AUTHORIZED OR GIVE NO ONE MY CONSENT TO OPEN NO ACCOUNT WITH XXXX XXXX I XXXX XXXX NEVER XXXX A LOAN AGREEMENT WITH XXXX XXXX. I WILL BE UPLOADING THE SAME DOCUMENTS THAT I UPLOADED TO EQUIFAX AND XXXX XXXX XXXX WAS REMOVED FROM MY XXXX CREDIT FILE ON XXXX. I WAS A VICTIM OF IDENTITY THEFT ON XXXX THRU XXXX.
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

XXXX is been reporting an inquiry by Miscellaneous and public record XXXX XXXX on XXXX. I have c no business with this company neither authorized them to run my credit.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.
Consumer complaint received 2017-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, XXXX XXXX, XXXX, and Bank of America.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2021 I deposited a government check from my Federally recognized XXXX XXXX ( XXXX XXXX XXXX ) to my Bank of America checking. This was a day before XXXX. I was advised that while a hold would be placed on the funds, they would cover any things debited from the account on the next business day XX/XX/2021. I have now received {$100.00} in fees from the bank ALONE ( nevermind the merchant ) because they are not allowing my debits to be processed ( automatic payments ) because they wont remove the hold. I did not ask for the entire hold to be removed, just enough to cover what is currently being pulled since I was advised it would cover it by the next business day ( XX/XX/2021 ). When attempting to get the fee refunded, I was advised I couldnt. I was advised the check looked fraudulent even though it was drawn on another bank ( XXXX ) and was government issued. I recognize and understand the need for the hold, however, I am extremely upset that they were able to release the hold to take THEIR monthly maintenance fee and then charge me additional fees.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I was scammed by a man asking me for a jump start outside a mall in the XXXX Florida area while on vacation in late XXXXXXXX XXXX XXXX  He asked to use my cell phone and while doing so accessed my XXXX wallet to send XXXX dollars to an unknown number. XXXX of this was from my apple wallet itself, and the other XXXX was charged to my Navy Federal Debit card. I immediately called XXXX to claim fraud, and they began an investigation into their part of the money ( the XXXX ) and instructed me to call navy federal to begin a claim regarding the other part of the money ( the XXXX ). I did just that and Navy Federal began their investigation while crediting the money back to me for the time being. A few days later XXXX contacted me telling me they had found the charge to be unauthorized and returned the XXXX to my account. In late XXXX of this year, navy federal contacted me stating they had concluded that no unauthorized transaction occurred and removed they temporary credit from my account. When I contacted them, they refused to give me a reason why my claim was denied.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION (CO)

This complaint is ongoing with Vectra Bank. After I closed my account, I went online to get my info from bill pay for my new account and noticed that the payment in question had been put back into my account, which I had closed! How does that happen, I spoke to XXXX XXXX several times. She told me that the payment had come back to Vectra because I closed the account.However she could n't release the money to me. I am still waiting for a check from Vectra for {$170.00}, but I have yet to receive it. I called her again and was told that the check was mailed out that day, Tuesday the XXXX? I think that they are holding the check because I filed a complaint.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DISCOVER BANK (CA)

Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. 
Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. 

Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. 

I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! 

thank you very much!!
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.
Consumer complaint received 2024-02-19
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. (GA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXXXXXX - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account NumberXXXX I don't recall having late payments on this account.
Consumer complaint received 2024-02-19
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. (NV)

The information on my credit report is inaccurate and I would like these items removed from my credit report in accordance to FCRA USC 1601 due to inaccurate information
Consumer complaint received 2023-01-28
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. (MI)

I have made XXXX payments on my XXXX student loan account. I made a {$1000.00} payment in XXXX XXXX XXXX and a second payment of {$1000.00} in XXXX XXXX XXXX. All three of my credit reports show different information such as no payment history, no data, or the balance is incorrect. I have addressed this with each of my creditors and XXXX. Bank statements can be provided only if necessary as it has personally sensitive information but it does show payments that were made.