davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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. (CA)

I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.
Consumer complaint received 2020-05-26
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX IN XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX XXXX   XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$780.00} XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-26
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. (TX)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX  XXXX {$4900.00} XXXX XXXX OH XXXX {$1000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXX XXXX   XXXX {$97.00} XXXX XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2020-05-26
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. (OK)

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX  XXXX  XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Consumer complaint received 2020-05-26
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. (AL)

- I have 6 errors on my TransUnion Credit Report ( File Number XXXX Date Issued XX/XX/2020 ) - My non-TransUnion Scores are XXXX. 
- Three errors were corrected. 
- One error XXXX XXXX  is working on - One error I am getting more information - Error 6 is with XXXX - a high balance of {$17000.00} against a credit limit of {$6000.00} - I have disputed the error with TransUnion without results - I re-disputed the error with TransUnion without results - I went to XXXX as Step 3. 
- XXXX Bank says that the highest balance that they have is {$140.00}. 
- Please ask TransUnion to fix this so that I don't have to write anymore letters and spend anymore time on hold on the telephone.
Consumer complaint received 2020-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Walked from home to XXXX XXXX XXXX XXXX ; made purchase ; paid with credit card ; stopped by hand sanitizer after paying. Lost credit card at some time after paying and before actually arriving back at my home. Some hours later, i could not find the credit card ; searched premises ; checked online account transactions. By the time I checked, four unauthorized charges, previously listed, were made. Online, I reported the unauthorized charges ; locked credit card. At XXXX XXXX. there was an attempt to charge {$83.00} at XXXX XXXX XXXX XXXX. The purchase was declined because of thelocked credit card. 

I was able to report the loss and fraudulent charges to a live representative ( XXXX in XXXX ) of Capital One VISA at approximately XXXX XXXX., XXXX XX/XX/2020. A police report was filed. 

Capital One credited my account, but charged them to me again on my XXXX statement. My Confirmation Code XXXX is for wrongful charges reappearing ( XXXX was Fraud Manager taking complaint. ) The charges were again deleted and recharged on XXXX XX/XX/2020.
Consumer complaint received 2020-05-26
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. (CA)

I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.
Consumer complaint received 2020-05-26
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I have 2 accounts I am an authorized user on because I am helping a family member get there grocery 's and and stuff due to what's going on in the world. For some reason It has not be updated but I will send you a screen shot of my family member 's cards that I am on both. I have spoken to both credit card companies which have admitted they sent to XXXX, equifax and XXXX. For whatever reason they are not coming up on my credit report and i need this all updated as soon as possible as there customer service reps at XXXX and XXXX XXXX told me. Under the fair credit reporting act I believe I am within my rights and I just want my information all accurate. Thank you for understanding.
Consumer complaint received 2020-05-26
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. (FL)

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank at XXXX XXXX XXXX, XXXX OH XXXX sent me a letter by mail dated XX/XX/XXXX that I received today. The letter explains my Avenue credit card handled by Comenity is now closed due to " previous negative experience with Comenity or " Comenity Capital Bank '', however, my balance of approximately {$560.00} remains due. What is more, I believe " the negative experience '' relates to my previous complaint about this Comenity Avenue billing to CFPB or FTC regarding Comenity 's fraudulent duplication of charges to my bank account. This was the content of their letter although my payments are currently up-to-date. Today I messaged the company at their online site suggesting they apply Account Assure despite and due to their mishandling of my Account Assure enrollment circa XXXX or XXXX for the sake of rectifying the situation, or alternatively offer me a Settlement in Full offer for 50 % or less the current balance. I would now additionally like to inquire to the CFPB how I may contest the bill entirely if I need to. I believe either of the three possible ways to pursue justice would suffice as Comenity related clothing companies began to bombard me with catalogs and advertisements starting in XXXX despite my request to the XXXX, by phone and later by online communication, to stop the solicitation. Their harassment despite my on-going attempts to protect myself led me to bankruptcy in XXXX. It has harmed my credit score,  overall outlook and psychological health negatively. Finally, I am disturbed by how Comenity further maligns me by using further punitive measures on me for a negative experience that was their own faulty. I would like to suggest to your organization that it investigate my case with Avenue and Comenity specifically and Comenity at-large. I do not this Comenity is law abiding.
Consumer complaint received 2020-05-26
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 pulled my credit to myself for the first time and I have derogatrory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-26
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Complaint against NewRez LLC c/o Shellpoint Mortgage Servicing. 
As of XX/XX/XXXX the principal balance was {$23000.00} and the mortgage does not mature until XX/XX/XXXX. I made a payment of {$17000.00} which was posted as follows on XX/XX/XXXX : {$920.00} XXXX XXXX payment not late ), {$920.00} ( XXXX payment not due until XX/XX/XXXX ) and {$15000.00} to principal. I did not complain about the posting format. 
This left a principal balance of {$6200.00}. I received my XXXX statement which is for the same amount {$920.00}. This payment does not reflect the new principal balance. I was trying to reduce my payment. if the principal balance were calculated based on time left on mortgage the payment should be less. I have contacted the lender the only way they allow which is by e-mail to no avail.Documentation attached. E-mail string attached in two different formats. Text document and Outlook format.
Consumer complaint received 2020-05-26
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. (OK)

XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Consumer complaint received 2020-05-26
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)

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-08-08
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: AES/PHEAA (CA)

While selecting options in the prior pages there were not choices which apply exactly to my situation!? 
I have a dispute with FedLoan Servicing for reporting me " 90 Days Late '' on TEN accounts without contacting or attempting to contact me in any way. 
I have 10 School Loans on my name for my son 's college education. He graduated 3 years ago and has been struggling with drug addiction. The loans ( mine and his ) were placed on " forbearance '' status since his graduation. In XXXX, XXXX, FedLoan Serv. sent me an email notifying me to log on, and extend the " forbearance '' status of my loans, based on mine and my son 's being unemployed, and I having to care for my elder mother. 
This was the last communication I received from FedLoans! 
In XXXX of XXXX my son was committed to a Clinic for XXXX in XXXX, where he presently is. Since then the family attention and resources have been devoted to his treatment. Prior to him checking into the facility, he assured me that the loans are in " forbearance '' mode. 
In XXXX, XXXX, I incidentally discovered that FedLoans have had me reported " 90 days late '' on all 10 accounts to the Credit Bureaus .They told me they SENT ME A TEXT on XX/XX/XXXX. I verified with T-Mobile that this is not true. When confronted with the fact, on XX/XX/XXXX, they ( XXXX ) stated " ..still, it is a correct reporting ''. They claim to have sent emails to my son 's ( he has not have internet access since XX/XX/XXXX ) email, being the 'primary ' in the account, while mine is 'secondary '. I am residing, since XXXX, at the only address they have on file. The phone number they have on file for me, I have had for 15 years. 
Please, let me know if I can help with an additional information. 
Thank you. 

XXXX XXXX. 
PS : FedLoan Services did offer, and provided me with a letter/statement that I am, and have been current on all accounts, BESIDES the 90 days.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion should not be reporting collections/chargeoffs on the XXXX & XXXX account number XXXX ; XXXX ; XXXX ; XXXX and XXXX and XXXX. XXXX  and Transunion should not be reporting collection/chargeoff for account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I applied for a XXXX XXXX XXXX through XXXX XXXX  and got denied instantly. I called XXXX XXXX  they said I was Denied because they could not identify me through the credit bureau Transunion. They told me to call Transunion. I called Transunion and they had my address wrong my middle name spelled incorrectly and my phone number wrong. I told them I was denied credit because of your wrong information. They said we do not decide whether you get credit or not call XXXX XXXX. XXXX XXXX  told me we just approve or denied based on what Transunion tells us. Attached is the letter I got from XXXX XXXX. I wanted the Hard Inquiry off my Transunion report since they had the wrong information. Transunion said they can't take it off call XXXX XXXX. XXXX XXXX  says they won't take it off it is a Transunion issue tell them to take it off. I want it off my report and each one is telling my it is there responsibility to take it off. I want it off my report.