davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXXXXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-10
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)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

XXXX XXXX received CitiBank Card. 
Had promotional period of 0 % for 21 months for balance transfers- until XXXX. 

May- did XXXX transfer, tried to do another, Had numerous problems. Did not go through initially, called, on hold for over an hour, no one could help me. Finally got a hold of supervisor, her name was XXXX, on XXXX XXXX, she personally did the transfer, then a few days later, I get an alert of fraudulent activity on my card- I tried the chat box, no avail, I called, no help, called again, again, again, Called yesterday, on hold again for over an hour- problem was never fixed. She kept putting me on hold, Had no idea what she was doing. Finally, she came on and said they could send a paper check for the transfer. Then, on hold again, came back and said they couldn't even do that. I asked why???? Couldn't answer me. 
I finally gave up, canceled the card called to complain, hard to get a hold of anyone. 
No one to file a complaint with. Called Corporate, they only handle " public relations " WHAT THE XXXX IS GOING ON??? 
GOOD LUCK- THEY DON'T GIVE A XXXX ABOUT THEIR CUSTOMERS! 

I am a responsible consumer trying to pay off medical debt. My husband died last year, had lots of medical debt. This was a perfect solution for me Now, I have to take out a personal loan, with a higher interest rate. 
Great way to treat a XXXX Veteran! 

PLEASE DO SOMETHING! 


XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (PA)

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 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I sold my property at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The mortgage company is PHH, originally with Ocwen. This was in a deferment due to Covid. The payoff of {$21000.00} was good through XX/XX/22. The loan was paid off XX/XX/22 with an escrowed amount of {$2700.00}. When I first contacted the company on XX/XX/22 I was told a check was sent to the old address on XX/XX/22. The the representative corrected herself to say the funds were escrowed for taxes & ins. I asked for a detailed statement to explain where funds went. After this conversation I contacted the local property tax division & the ins co in which neither had received payment. I called PHH back & was over talked, informed about the interest added daily in which I explained I was aware of that but that daily interest should be charged for those days in which it was paid off but I was told there was no overpayment. I was informed the loan payoff was good through XX/XX/22 & yes, they received the payoff early but that was it, it was paid off early & that was that, there was not any funds to be reimbursed. 
The letter I received from PHH specifically said there were no surplus fund & none would be returned. There was no statement explaining where the funds went. 
This is unacceptable. The customer service needs to be more customer friendly. They need to understand what they are telling customers & this company as a whole should be enforced to abide by the rules & regulations of mortgage loan holding. I talked to 2 representatives & was given 3 stories. A statement request should give detailed information, not merely a statement to say there was no surplus therefore you arent owed any money, especially when you have the payoff statement from the title company saying differently!
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST HORIZON BANK (NC)

Consumer Finance Protection Bureau Complaint XXXX XXXX XXXX XXXX with First Horizon Bank 'LOST THE PAPERWORK/FILE ' FOR THE 'PERSONAL LOAN ' for a 'USED VEHICLE LOAN '. 
NO VEHICLE MEANS NO 'XXXX INCOME '.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (NY)

I applied for XXXX XXXX XXXX credit card with Barclays. I received my card XX/XX/22 opened it at approx 750pm after work. Envelope appeared in tact. Tried to serup online account for card was unable. The online setup system kept telling me I already have a Barclays card and to use that login. I do not have another primary holder of a Barclays card in my name. Concerned I called Barclay XXXX number on card. 3 three agents couldnt help me and didt know what was going on. I asked them to cancell the card and they wouldnt, they also told me my mothers maiden name didnt match. They didnt help. This application was filled out on an XXXX XXXX flight paper and the stewardess took the application. Now Im more concerned when I think about it. Please help. I want this card closed due to possible fraud.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown’s New Credit Bureau Inc. (MD)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

I did not purchase anything from Montgomery Wards, I know who did, but they did it in my name I don't know if it was tools or tires, I am not paying for something that I don't and have not used! I have contacted the main office and they told me to get a signed document from that person and he will not do it! I don't know what to do with this account! If it was the tools I don't use them and they are no where in my home and for the tires I have a different vecheil, and have had for over a year! So maybe I could get some direction on how to handle this! Thank you!
Consumer complaint received 2022-07-07
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. (GA)

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX XXXX XXXX. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, EXPERIAN and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CT)

XXXXXXXX XXXX sent remaining funds in accounts totaling the amount of {$140.00} to Wells Fargo as part of a fraud claim in the amount of {$690.00}, check number was provided in prior CFPB complaint ( XXXX ). According to XXXX XXXX with Wells Fargo Executive Office, the check was returned back to XXXX  they do not accept partial payments.. I attempted to explain this to XXXX  rep XXXX, he claims instructions from Wells Fargo state to return remaining funds in account ( s ) to Wells Fargo in which case I explained Wells Fargo does not accept partial payments. He advised to have Wells Fargo change instructions in which case, CFPB complaints were filed against Wells Fargo to either change instructions and or reach out to XXXX at XXXX It appears no one from Wells Fargo reached out, the matter remains unresolved to date, XXXX has not sent remaining funds in amount of {$140.00}.
Consumer complaint received 2022-07-07
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: Army and Air Force Exchange Service (NJ)

In accordance with a Fair credit reporting act [ MILITARYSTAR XXXX. # XXXX ] has violated my rights. 

THIS HAPPENED IN THE MONTHS OF 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. Under 15 USC 1681 section 602 states, that I have the right to privacy. 

15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-07
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. (CA)

FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes XXXX, unknown information because according to TransUnion the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. 
Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.
Consumer complaint received 2022-07-07
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. ()

Dear Sir/Madam My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone else details have been entered in my XXXX report, which is causing us a lot of issues. I am Requesting you to delete their details as soon as possible. 

Kindly delete this person details in my XXXX report. 
XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


THANK YOU
Consumer complaint received 2022-07-07
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 Account US DEPT ED # 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 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

i have filed 3 mail disputes for a collection account on my credit report the dates are XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time there has been a blatant inaccuracy reporting on my credit report. The last dispute came back XXXX updated and none of the inaccurate information was updated. The date last active being reported across each bureau is inaccurate and a direct violation of my FCRA rights intern re-aging those accounts and it is negatively affecting my credit profile.