davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
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. (MI)

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX  doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and equifax showing 3 false credit reports. All the inquiries span of the dates of XXXX XXXX XX/XX/10 all these have more then one application for a credit card opened.
Consumer complaint received 2019-09-15
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. (MI)

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX doesnt let me cause reported address has been changed. With transunion report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.
Consumer complaint received 2019-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (UT)

We received a reimbursement check from XXXX XXXX which was to us but accidentally included our mortgage company. XXXX XXXX told us to send it to our mortgage company to be endorsed by them and for them to then return the check to us. My husband sent a check for {$440.00} to Flagstar in XX/XX/XXXX with these instructions. 

In XX/XX/XXXX I realized we had never received the check. Emails to Flagstar over the next few months were never answered appropriately by several different people, so we still had no idea where the check was. I contacted XXXX XXXX and they confirmed the check was cashed XX/XX/XXXX, and they sent me a scanned copy of the check. Flagstar did not respond to my email with the image attached. I started checking all our statements and finally found that the check cashed in XX/XX/XXXX was deposited to our mortgage account in XXXX. This was acceptable to me, but it was unacceptable that Flagstar still could not tell me that they had deposited it. Even after I told THEM what they had done, the same person who had received the copy of the cashed check replied with an email asking for a copy of the cashed check and assured me she would look into it, after I had already told her that I now knew where the money was and the issue was resolved. I replied with another copy of the check and asked that they please not do anything else for fear of creating more confusion. 

Our mortgage is paid automatically each month without fail and we hope to pay in full as quickly as possible so we don't have to interact with them again.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.
Consumer complaint received 2019-09-13
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. (AL)

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial XXXX and XXXX.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I'm in dire need of your help my social security check of {$950.00} was deposited into Citibank they have the champ I have proof that they received the check from Social Security I went to use to try to use my debit card they keep denying all the transactions {$22000.00} is in this account along with my check they denied each and everything they're refusing to give me my money I'm in dire need of my money I'm XXXX XXXX XXXX I can't pay any of my bills they told me they're not going to give me back the child and Social Security can not issue me another XXXX until this check is returned Citibank is XXXX  and they stolen this money and they're refusing to give me my money they won't not let me withdraw the money they've locked my checking account my debit card and any money transfers I try to transfer the money on {$1500.00} a thousand and then {$500.00} to XXXX they demanded they got it back each and every transaction that I've done has been declined I need to get my money I am XXXX XXXX XXXX in a hospital bed with a XXXX XXXX XXXX XXXX  XXXX XXXX I'm in dire need of my mind their Elder abusing me this is Grand Theft Financial elder abuse and they're tormenting chair Rising me they keep slamming the phone down I have called them 35 times and each and every time they tell me they don't know who I am although they're lying because they got my social security number and they have the check was sent from Social Security I need my money it's already on XX/XX/XXXX and they've had my money since XX/XX/XXXX they refused to give me my money I called the city Branch branch office and they will not let me get the money out they told me it's not their problem please help me
Consumer complaint received 2022-04-20
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)

I have repeatedly tried to request XXXX XXXX  to remove the late from XX/XX/XXXX on my credit report. This was an accurately reported as the system was down when I tried to make my payment at the end of the month which would not have been late. I do that every month with no issues. I have snapshots showing that the system was down yet they are coming back saying that they have no login information for me during that day which is crazy because the system is clearly down and why theres a glitch and them not showing me logged in. I obviously have snapshots showing that the system was down which wouldnt have taken place after the fact because the date on the snapshots indicate the system being down on XXXX XXXX. They keep coming up with excuses why they wont remove it and at minimally I would requested to be done as a courtesy even though out of principle it should be done Ive been a loyal customer and Ive never been late on my payment to them. Is clearly was a system error and I refuse to let this go. I am correct and I am very upset and frustrated that they have negatively reported this on my credit report when I have been a loyal customer and have proven to them with many snapshots that I tried to login and was unsuccessful due to the system error and then going down. Hi again kindly ask that somebody please review this without giving me the response the system wasnt down because it was And remove my late from the credit report as I am trying to refinance my house and this is hurting me to do so I am trying to refinance directly with their company yet they still want to charge me a late. This is ridiculous and an unacceptable and I will not give up fighting this because I was not late nor have I ever been late. Please review this to be removed off my credit report and updated as the payment was made first thing the following morning when the system went back up. Please Remove the late off my credit report from XX/XX/XXXX.
Consumer complaint received 2021-12-27
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. (TX)

Equifax shows my XXXX XXXX credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with Equifax XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When XXXX XXXX is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my XXXX XXXX credit care as active.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (WA)

Regarding, Summons Case No XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***
Consumer complaint received 2019-08-21
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. (NY)

I got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Experian, Fico and XXXX . If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX  XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call Experian and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Consumer complaint received 2019-08-21
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. (NC)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.
Consumer complaint received 2022-01-28
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: Choice Recovery, Inc. (TX)

They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my medical records. They are reporting 2 accounts
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

Received a notice in the mail on XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX for a debt of {$400.00}. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for {$300.00}. The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for {$320.00}. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history. 
Unexpectedly on XX/XX/2019 I received a letter from Radius Global Solutions, XXXX requesting {$79.00} for the balance owed to XXXX XXXX XXXX XXXX XXXX. Infuriated that XXXX would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted Radius Global Solutions, LLC and spoke with XXXX. I explained to her the situation and asked her if they could review my call with XXXX to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with XXXX and I would receive a call back. The {$79.00} is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so today XX/XX/2019 I called Radius Global Solutions, LLC again at XXXX requesting an update and the representatives are telling me they can not locate an account for me. This debt of {$79.00} has significantly decreased my credit score and  I want it removed! Please help me! I feel helpless.
Consumer complaint received 2022-04-01
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. (MN)

My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) 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.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX  XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has two accounts the same XXXX  XXXX   XXXX  Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX  XXXX  XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. XXXX XXXX XX/XX/XXXX XXXX XXXX, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TX)

I informed this collection company to stop contacting me because I did not owe them a debt. I have never authorized them to contact me or signed anything that I owed them a debt. What they did was contact me at home continuously and interrupt our business operations with repeated calls demanding that someone speak to them. At this point I have informed them to stop calling but the continue. Moreover, I have never given them my personal information of which they are in possession of. They are fully aware that they are violating Federal laws but they do not care!
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

Husband is an authorized user on my Chase credit card. He went to the carwash, left his card there accidentally, and seems as it was picked up by someone unscrupulous, who then went on a shopping spree on XX/XX/XXXX of {$1100.00} at various places ( none of which he or I have ever stepped foot into, and are not in the town than we live in ). I reported this to Chase on XX/XX/XXXX as soon as I noticed these strange transactions ( some I wouldn't have normally noticed, like XXXX XXXX or XXXX XXXX, because we do shop there, but they were clustered with charges with places I'd never heard of, like " XXXX XXXX XXXX '' ). Chase has investigated the claim and determined that I " benefited from this transaction '' but has not provided any information on how they have reached this conclusion. I pay all of my bills on time, every month, and honestly spend a lot more than {$1000.00} on my Chase cards ( oldest of which is XXXX XXXX XXXX ) every month with no issue. I am not sure how I would go about proving that it wasn't us ( I doubt any of these stores still have video footage over a month later, and I didn't expect Chase to deny the claim ), but at the very least I would expect that this is a violation of the Fair Credit Billing Act.