davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
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 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 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 XXXX XXXX XXXX XXXX XXXX  I NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My monthly mortgage payment is {$1500.00}, but XXXX additional {$1400.00} each month to be applied as additional principal. 
On XX/XX/21 I made payment to my mortgage company XXXX for {$3000.00}. {$1500.00} of this was my normal mortgage payment, and {$1400.00} was additional principal. Afterwards, I received a letter stating that Mr. Cooper had bought my mortgage. I called Mr. Cooper and was told that XXXX would forward my payment to them, payments would be applied the date that XXXX received them, and that I didn't need to do anything except make my next payment to Mr. Cooper. 
Mr. Cooper finally applied XXXX payment on XX/XX/21, but also did so incorrectly. They applied the {$1400.00} as a partial XXXX payment, then reversed that and set it as unapplied funds. 
On XX/XX/21 I paid {$3000.00} directly to Mr. Cooper. {$1500.00} of that was my normal payment, and XXXX was to be applied as additional principal. On XX/XX/21 Mr. Cooper told me over the phone that there was a " Bill Pay '' error and that they lost the payment ( along with thousands of others XXXX, and that I would need to send it again. I was also told that they would move the payment back to XX/XX/21 since it was their " Bill Pay '' error. On XX/XX/21 I made two payments for {$3000.00} each, one for the lost XX/XX/21 payment, and one for my monthly XX/XX/21 payment. 
First of all, both payments were posted on XX/XX/21, when one should have been moved to XX/XX/21. Secondly, they only applied {$1400.00} as additional principal instead of {$2900.00}. Their website doesn't show what happened to the rest of the money. I have called numerous times and they keep saying they will fix it, and never do. When I call and escalate it, they say they will call back and they don't.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC (TX)

On XX/XX/2021 I received an email from XXXX with XXXX regarding a loan with outstanding balance. I contacted my bank as I had paid off a loan to another company with the name XXXX. They apparently are one in the same. they received payment. I replied to this email asking for a validation of debt as he was quoting a different name/amount that I was originally aware of and paid. 

All the email correspondence is attached along with daily voicemails. He totally ignored my request and now I am being harassed daily by email and or calls.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  The accounts listed below, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX for {$10000.00} XXXX ) XXXX XXXX XXXX  account # XXXX. XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX account # XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX ) XXXX XX/XX/XXXX and XXXX XXXX XXXX ) XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX 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
Consumer complaint received 2022-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NJ)

I requested a refund from Aidvantage at the end of XXXX ( about two weeks ago ) and confirmed that I would be receiving a refund on all my loans held by them and would be getting the money in my account in 6 weeks. It has now been about 8 weeks and I can see the loan balance restored on my account, but I have not received a refund and I have not been given any clarity about how I would be receiving the refund.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

so I have a Paypal credit account with account no. XXXX XXXX XXXX XXXX that is in fact my account because I recently paid off this account balance with I refinanced my home the balance was paid in full on XX/XX/XXXX 2021 with a a check from XXXX, with check number XXXX, The problem is that I received a statement from Paypal credit on XXXX XXXX,2021 with a new account number of XXXX XXXX XXXX XXXX with a statement balance of {$900.00} with my name and address the complaint is with this account I have never opened another account after paying off all the debt with my refinance, so I do believe I'm a victim of fraud in this account, I've contacted the Paypal credit services about this account and they keep hanging up on me so i really don't know what to do about this account and I already filed a dispute with XXXX  about this account and it has made a negative and delinquent on my credit
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OK)

Hi, I signed up with Robinhood on XX/XX/XXXX. I signed up for their upgraded Gold account for {$9.00} which gave me a higher margin account. I made an initial deposit of {$4000.00}. Which is all I used on there. My other bank I tried to deposit funds with kept rejecting Robinhood deposits. So they put a hold on my account. Which was unnecessary since I had everything I needed to covered. They then limited trading with stocks such as XXXX and others that I bought. 

They basically said they had to put a hold on my account as I did not enter my legal name on their website. My driver 's license says XXXX. XXXX is my middle name. Middle name was not a required field. I entered XXXX XXXX. Good stall tactic. 

So I told them since they are holding the account, not allowing me to do anything, I just wanted my {$4000.00} back and they could close the account. They will not respond to me. I have tried all avenues to contact them. There emails are coming back now saying something equivalent to the mailbox is full.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (SC)

In response to the Credit Bureaus XXXX XXXX, I am submitting this CFPB Complaint. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting more information from the credit bureaus about these specific items in question because I am not happy that enough was done to actually contact the creditors who are reporting this information on my report. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) mandate that these accounts be verified by the XXXX credit bureaux ( XXXX ). ( A ). It is unacceptable to treat these reporting stories as unverified rumors without providing evidence within the prescribed window of time. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) of the FCRA ( XXXX ). Please look into the following unverified accounts ( A ) : XXXX  XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX XXXX Balance Owed : {$3600.00} XXXX/XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-23
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. (SC)

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than 4 business days, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA section 605b : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX  XXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$15000.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX XXXX Balance Owed : {$350.00} XXXX  XXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my XXXX  account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (GA)

Hunter Warfield a debt collector calls me twice a day daily. I believe this is against FDCPA rules. the most recent calls were XXXX XXXX. 

I answered and informed the CSR that this was the 2nd call for the day. This is against the debt collecting rules. She said, oh Sorry.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) 8720****Balance XXXX {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 444796235337****Balance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Hello, FLAGSTAR BANK is repeating the exact error that I've already submitted to the CFPB - and the bank claimed to have resolved. 
Here is the 1st complaint filed and resolved 5 months ago to the day. 

XXXX XXXX XXXX XXXX XXXX XXXX mortgage Trouble during payment process FLAGSTAR BANK XX/XX/2021 Closed Company responded I have attached my original complaint and the resolution letter from FLAGSTAR BANK> I also included a snapshot of the new letter I received today - restarting this whole nightmare over again. 

I'm also submitting a new complaint that I have logged in and selected paperless delivery about 4 times yet I continue to receive a hard piece of snail mail, including statements, about every 3 days from FLAGSTAR BANK. I need the bank to implement paperless delivery as I have requested multiple times online.
Consumer complaint received 2022-08-23
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. (SC)

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than XXXX business days, in accordance with FCRA 605B ( 15 U.S.C. 1681cXXXX ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA section 605b : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$15000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} RECEIVABLES XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX  XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX  XXXX XXXX XXXX Balance XXXX XXXX {$350.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXX/XX/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 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

This is to complain about Caliber Home Loan mortgage, I used to pay off one more payment in XXXX of the year ; they never adjusted my interests to be lower ; I beleive they over charged me intersts for the past years- I like to ask them to re-calculate my interests and refund me the differences. 
Recent issue : On XX/XX/22, I called Caliber Home Loans to request a payoff. 
XXXX told me verbally about a final payment amount ; I reqeusted a written letter ; 5 mintues later, I received a writter letter with {$980.00} more, immediately I called back spoke to XXXX ( XXXX ), she said she would request a phone review and called me back in 5 days ; today is day 6, no one called me. On XX/XX/22 I paid XXXX overight a check to payoff my loan per their request. Today XX/XX/22 XXXX  tracking already shown CALIBER HOME LOAN has received my check ; but when I called back spoke to XXXX, she said that their system shown nothing received on their end, they held my check and did nothing about it. XXXX also said she did not see any phone review request in their system, and she did not know how to help, I requested to talk to her manager, seh said there's no manger at CALIBER HOME LOAN MORTGAGE to talk with. This bank is very suspeious, they calculated wrong my loans and interests and held my check but kept on charging me interests. 
I like to reqeust for a refund me money of {$980.00} the differences between their verbal and written letter, also the years wrong calculations of my interest over charged. Also like to request comsumer agency to invetigate Caliber Home Loan Mortgage 's business and system, to enusre no other comsumer like me had this kind of wrong treatments/wrong charges.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to dispute with Transunion and XXXX  for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. Transunion is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and Transunion  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to Transunion  and XXXX  as well as XXXX. There is no reason for XXXX  to show no late payment and only XXXX  to show. Transunion  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

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. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

on XX/XX/23 my phone was stolen at my neighborhood pool and the thief got into my account and transfer IRS check out of my account in the amount of XXXX. I sent in all necessary documents such as a police report and FBI report. The investigation team sent me documents of how the investigation came back as no error and it showed the IP of my phone that was stolen and the times of when the transfer happened i also had a XXXX XXXX XXXX XXXX and im seeing XXXX XXXX listed on the investigation doc & i now have a XXXX XXXX XXXX & also had an address that was 28 minutes from my home address that i have no knowledge of when the transfer happened. They also dont have the name of financial institution that initiated charge on the document.