davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/2019 a fraudulent account was opened in my name at XXXX XXXX at XXXX XXXX mall in XXXX, AZ. TD Bank is the Financing Bank for their credit cards. This account was made known to me from my credit report I ran because there were numerous other accounts opened in my name in person between XX/XX/XXXX and XX/XX/XXXX. On this date, the thief actually came in the store the day prior to make purchases but had to return the next day because they came in the store too late and the banks would be closed to issue them a line of credit. The next day, they returned to make two purchases- one for {$2400.00} and another for {$3200.00}. My detective with the XXXX Police Department, XXXX XXXX, ( Case # XXXX ) was able to speak with the merchant and the holiday hired clerk stated they thought the customer was odd because they read their info for the credit line off of their phone, they spoke with the bank, and they approved the credit, so their hands were tied. When I found out about this account, I spoke with XXXX XXXX and they gave me a case # XXXX and TD Bank. They were very cooperative and actually were one of the few that gave me important details about the transaction that I was able to relay to the police department. After speaking with them extensively, I was told that I would continue to receive statements but to ignore them because I would not be held responsible for the payments. After continuing to receive them, I called TD bank last week and could not get through to anyone. I called back today and I was on the phone for 7 hours and 16 minutes, holding the majority of the time or being transferred to different departments. At times I was told that XXXX did not respond to my dispute in a timely manner so it was " timed out '' and I would need to start the process over. After talking to another person I was told that XXXX responded to the dispute that it was " legitimate because proof of receipt and purchase was shown '' so it was denied as fraud. This seems strange to me since I have a case # with XXXX and a Police court case # and also my Detective, XXXX XXXX, has spoken with them and also has video surveillance footage from this store of the thief. After being on the phone with TD Bank for 7 hours and 16 minutes today, talking with the " front office supervisor '' I was told she was the highest up person i could speak with, and my only options were to send in my concerns in writing to them and/or dispute it with the credit bureaus as fraud, since my case was considered " resolved ''. After having all other fraudulent accounts closed and wiped from credit and everything, this is the only account I continue to have issues with with not an acceptable resolution.
Consumer complaint received 2022-12-08
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (TX)

Credit Karma sent me a notice that an unsecured loan for debt consolidation my improve my credit, and recommended the product by XXXX XXXX XXXX. When I began the application I asked for the amount suggested. Suddenly they were processing an application where my brand new truck was the collateral. When I asked them to cancel the application, they sent me a denial letter stating I didn't have a mortgage. 

1. I had a 30 year mortgage. 
2. We paid it off last year 15 years early. 
3. XXXX reported it as a CLOSED account, when we were never late for 15 years! 
4. They solicited this loan to me, and when I cancelled the application they put EVEN WORSE marks on my credit. 
5. I literally have 3 things not paid. 2 of which I have repeatedly disputed due to hospital in XXXX, not filing my insurance correctly. 

6. Credit Karma, and XXXX XXXX XXXX, should not be doing this to people during these horrific financial times, and then ruining their credit on top of that
Consumer complaint received 2022-07-09
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. (TX)

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-05-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX  XXXX XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$990.00}
Consumer complaint received 2020-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Company : Heartland ESCI Complaint : My Federal XXXX  loan was transferred from my university ( XXXX XXXX XXXX at XXXX  ) was transferred to a third part without informing me. I had it setup for recurring payments, and was receiving all of my tax documents via e-mail just fine. When it was transferred to Heartland ESCI, they informed me my account was due by calling my parents disconnected land line, so of course, I had no idea what happened, and my account when into debt collection. I did get a very supportive customer service assistant once I figured out the company was Heartland ESCI who helped me get a forbearance on the account in order for them to take it off my credit report. She literally gave me full, detailed instructions because she said there are a lot of small things people mess up on and then they end up paying and not getting it off their credit. Essentially, I mailed in a form, had to wait to hear back that they accepted the forbearance, and then I could start paying. They never informed me of the acceptance in a timely manner - they actually sent me a form saying my forbearance is up and my account was past due which was super confusing. So I paid the past due and the current due and setup automatic payments. 

I started getting letters in the mail every week saying I was past due. I assumed this was from before, but then I kept getting them. I signed into my account and every time on the home page it said I only owed the amount my automatic payment would be paying for on the date it was owed ... today I was basically told I was going into collections again, so after waiting to chat with an associate for 75 minutes (!! ) I was told I had to go through several breadcrumbs in their UI to see the past due amount. If you go to make a payment, it doesn't even come up as an option, so I'd have to copy and paste that amount from an old statement. It's absolutely ridiculous. Honestly, with everything that's happened with this company I just paid off my loan amount in full today. I can afford it - what I can't afford is to be penalized by this company again. I literally don't have the countless hours needed to sit on hold, make assumptions from poor UI/Website design, etc.. Honestly, this shouldn't be this hard to navigate. My university 's loan website looked like it was made in 1992, but it was pretty darn clear. So I'm not sure if this is just plan bad design, or if it's predatory. I genuinely can't tell and it makes me uncomfortable.
Consumer complaint received 2023-02-09
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: Klarna AB (NC)

My SIM card was hacked XXXX2023. Because XXXX allowed it to happen now Im a victim of fraud. They hacked in to my phone apps and charged {$10000.00} or maybe more. They hacked in to my apps XXXX account, Klarna account, XXXX XXXX  accountXXXX XXXX  accountXXXX XXXX XXXX account, XXXX XXXX account and credit card, XXXX  credit card. Its still going on because my phone is not working correctly it keeps saying I have no internet connection, my calls keep dropping. I dont even feel safe to even use or talk on the phone. I was also using my phone as a hot spot to use my other phone and by me doing that they hacked in to that phone as well. This is a very urgent matter, this is stressing me out affecting my health and Im already XXXX with XXXX XXXX XXXX. I have made a police report and it should be ready to pick up within 24-48 hours. Please give me a call asap. I will be taken further action with maybe a lawyer because my information was leak since XXXX2023 while I was at work my phone just stopped working. I lost money because I had to leave work and Im losing money because of the hack. Im losing sleep and feeling very sick. Im stressed out. My balance needs to be resolved and turn back to {$0.00} I did not make almost {$3000.00} in purchases on Klarna using my XXXX  credit card. I did not make almost {$100.00} on After pay using my XXXX  credit card, this card has been canceled and they are mailing me a new one due to fraud. This is going to effect me from buying a home if this isnt resolved this isnt my fault at all. You need to track and see who did this and dont allow them to receive what they purchased using my credit card through Klarna and XXXX XXXX This needs to be taken serious and when I call in to speak to your agents or email they are extremely rude and give me a hard time like Im lying. This needs to be investigated and find out who did this please. Thank you.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX XXXX XXXX1st Dispute letter for credit file discrepancies/inaccurate information XXXX XXXX  - RE : Request to provide Method of Verification XXXX XXXX - 3rd and Final Notice to Cure XXXX Transunion -1st Dispute letter for credit file discrepancies/inaccurate information XXXX Transunion - RE : Request to provide Method of Verification XXXX Transunion - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX ) whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol one placed a missed payment on my credit card account. They said I missed a payment and made my account delinquent because I missed a payment on XXXX!!!! And today is XXXX 2020! On XXXX I applied for a Walmart capital one credit card for XXXX. I received a notice on XXXX telling me I was declined because I have a delinquent strike on me from the recent missed payment of XXXX! And once again I applied for the card in XXXX. This is absolutely ridiculous! I am asking for help please to make this right! I have my payments on auto payment. And have never missed a payment in my history. I was very embarrassed. I feel it is the same reason I was turned down for a XXXX XXXX card I applied for in person at the store counter 2 weeks ago. I dont know how long the delinquent charge has been showing. All I know is it is there.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (OH)

Key Bank reported my credit card as 30 days late in XX/XX/XXXX. I have NEVER been 30 days late. I have called Key Bank 3 separate times, and each time they investigated the account and agreed that the account was never 30 days late. They assured me that the late would be removed from all 3 credit bureaus. The last call was in XX/XX/XXXX and as of today, XX/XX/XXXX, it still has not been corrected. This has caused my credit score to drop. I am attaching my payment history for the past 12 months to show the on time payments.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

Credit report display six late payments ( XXXX, XXXX, XXXX XXXX ). I have written the company a hand written letter via USPS in XX/XX/XXXX to get these negative remarks removed with no success. I have also sent and goodwill email to the CEO explaining the situation and was again told they could not removed the negative marks from my credit report. I explained to the company that during this time I unfortunately did not receive the bills consistently which resulted in me paying the bills late. Thank you in advance for your consideration and assistance.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (MO)

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information 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, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed XXXX {$2000.00} XXXX FS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ID)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.