davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (NJ)

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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.
Consumer complaint received 2021-04-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Mobile : XXXX Card # : XXXX SS : XXXX XXXX XXXX XXXX : XXXX My name is XXXX XXXX and Im writing in regard to an inquiry I had with XXXX XXXX. I had late payments for the credit card and account outlined above and had requested they be removed. Throughout this time, I had dealt with extraordinary difficulties that required an overwhelming amount of time and financial resources.My subsequent conversations with XXXX XXXX led to the deletion of the two late payments I incurred during the pandemic, however, I inquired about three specific payments dating back to XXXX, XXXX, and XXXX of XXXX. I had asked for a goodwill adjustment from the bank as I had been a customer for forty years. I spoke to XXXX, a case representative for the bank. I explained my current situation, but she was dismissive, rude and reticent regarding my request. She specifically stated that the bank could not complete my request despite my proving they had been helpful in the past. From here the representative became more agitated at which point I said I would just have to take the account down to zero and close it to conclude my business with the bank. Thereafter, I noticed that the two payments the bank had withdrawn were reinstated after my phone call. This seems to me like retaliation for closing the account as the charges had been removed but immediately reinstated after my conversation with said representative. I am reaching out now as these are clearly not the proper actions for a bank to take against a customer as the only explanation for their actions is vindictive punishment. 
XXXX XXXX
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have many accounts reporting that I was late on the account and never was. I have tried time and time again with the companys and I have had no success. They are all false reports on my credit and I need help getting them removed. 
XXXX  XXXX XXXX  last 4 of account XXXX was late on XXXX, XXXX and XXXX of XXXX. I was not XXXX XXXX XXXX  of account XXXX was late on XXXX, XXXX, XXXX, XX/XX/XXXX. I was not late. 
XXXX XXXX XXXX account XXXX was lat on XXXX, XXXX, XX/XX/XXXX. I was not XXXX XXXX XXXX  account XXXX was late on XXXX, XXXX and XXXX are all false XXXX  XXXX auto loan account of XXXX was late on XXXX, XXXX and XXXX of XXXX was false Department of education account unkown was late on XXXX, XXXX, XXXX and XXXX of XXXX is false as well Also many hard inquires were filed and need to be removed that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX card XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX card XXXX
Consumer complaint received 2023-09-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2021-04-19
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. (NY)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the XXXX equifax and XXXX regarding this and i was told to get an FTC report.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (SC)

I am trying to have my PMI removed since I am within .5 % of the LTV guidelines in order to have this happen. I currently have an LTV of 80.23 % and am aware that by law once my LTV reached 80 % I can request it be removed and the mortgage company has to do so. I reached out on XX/XX/2021 to have this issue resolved, not only could I not get anyone on the phone but I could not get a clear answer as to what department to speak to. I finally got ahold of the refinancing department and they agreed to mail me the proper documentation needed to have my PMI removed. Once I received these documents and read them at length they explicitly state that once my LTV reaches 80 % I can simply submit a request to have my PMI removed and once it is confirmed by my mortgage company they will remove it. It gives me the option to pay for a BPO or an appraisal but since I am only .23 % over the necessary requirements to ask for it to be removed, I intend to make the necessary payment to reach the 79 % LTV and just have it removed. I sent an email on XX/XX/2021 through the online portal about this and received a response on XX/XX/2021 telling me to contact caliber home loans. 

I reached out today XX/XX/2021 about this issue and was told that the investor who has my loan will not let me remove the PMI without doing a BPO or appraisal I explained to the woman on the phone that is not how this works and she did not have an answer for me. I also explained that I have letters from caliber that directly contradict what she was saying, and that the website says at 75 % it will automatically be removed. She was of no help and no further assistance, she couldn't even tell me what amount to pay to have the LTV drop below 80 %.

I have never missed a payment, and have been trying to get the PMI removed since the beginning of 2021. I can make whatever payment is necessary to meet whatever LTV is necessary to have my PMI removed but nobody at Caliber home loans is able to provide me with that information. I am the ideal candidate to have my PMI removed and I want it done, asap. The mortgage company is not willing to work with me, and it is not my burden to pay for a BPO when I have already met the guidelines. After this month my LTV will be 80 % or lower without me having to make an additional payment. 

I am requesting this be addressed immediately.
Consumer complaint received 2021-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT 0, INC (FL)

In XXXX  the agency XXXX XXXX offered me a contract in which the agency negotiates with my creditors to repay my debt and rebuild my credit. We reached an agreement in XX/XX/2015 in which XXXX XXXX charged automatic monthly payments of {$350.00} using my checking account. The term agreed was 54 months for a total of {$19000.00}. 
The accounts they agreed to pay off were the following : XXXX XXXX - {$9700.00} XXXX XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} Total = {$26000.00} Although the terms of payments have lapsed and payments were paid in full as agreed, the agency XXXX XXXX has failed to fulfil their agreement of paying the accounts to restore my credit history. Recent credit reports indicate that the largest accounts have not been paid. I have contacted them in numerous occasions and spoken with one of their representatives. In the past the representative indicated that the debt payment is being handled and offered an option to extend my contract to a longer term. Since I had did not have the need for it, I did not extend the contract further but fulfilled all the agreed payments. Since contract term have lapsed and the debt is still showing on my credit report I have made numerous attempts to contact the representative again. However, I do not get a response or I am informed that the representative is on another call or unviable. I left my contact information for a call back numerous times by the representative who was handling my case but I never get called back.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My credit report has inquiries which I did not apply to and I don't recognize them, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXX.
Consumer complaint received 2023-02-24
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. (NY)

Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from XXXX and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.
Consumer complaint received 2022-01-25
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. (FL)

XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''
Consumer complaint received 2021-02-14
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. (MN)

I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX. from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my Trans Union, XXXX  and XXXX credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of XXXX  and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX XXXX XXXX is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (TX)

Ok, so your questions getting to this point didn't have anything to do with my situation. 
My problem is that us bank gave my complete mortgage account history and account information to a third party not on or even related to my account. I found the person ( XXXX XXXX ) in possession of my account information which included all payment history, account numbers, and other personal information. XXXX XXXX called us bank late XX/XX/2021 and it took them 2 weeks but they sent an email to XXXX on his personal email ( XXXX ) on XX/XX/2021. I confronted us bank and they said they would " look into it ''. I'm furious that I have to give them the size of my left toe just to talk to anyone and XXXX was able to just ask for this information and they just gave it to him.
Consumer complaint received 2021-04-19
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. (CA)

1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMPQUA HOLDINGS CORPORATION (OR)

On XXXX XXXX a company called XX/XX/XXXXXXXX took {$2000.00} from my checking account. 
I contacted the Umpqua bank to tell them that I had not authorized this transaction. They then cancelled the card that was used and issued me a new one. Ran an investigation and said I had authorized a third party transaction. Which I had not. So we called the number and it went to a square reader. The invoice issued to the bank clearly is fraudulent. There is no phone number for the XX/XX/XXXXXXXX XXXX. When I looked up address it is a farm house in Pennsylvania. No where had I signed or authorized this transaction as I have presented proof that I was in XX/XX/XXXXstaying in a condo paid for by another party. Even the dates is while I was gone. So I would not have approved another transaction for a stay when I was already staying at a prepaid condo that I had nothing to do with. I was a guest. I have never recieve anything from anyone nor can I call to get them to refund my money. As it has been a dead end every time. Bank says it is out of their hands. This is crazy
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently discovered this issue, BOA reported in XXXX of 2020 an overdraft on my BOA credit card to XXXX credit reporting agency. I have a couple of questions, if there was a credit limit on my card and a charge exceeded that amount, why was my card accepted? Second, why was I never informed by BOA that this was reported to XXXX? 

At the time this occurred I was in the XXXX XXXX XXXX XXXX 2020 ). I do not know the exact amount in question, as I was dealing mostly in foreign currency XXXX XXXX XXXX XXXX. Also, as stated above why was the card accepted and why was I not informed that this information was reported to XXXX?
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a call from Bank of America today about a possible fraudulent checking account that was opened a week ago. The hacker applied for the checking account online and upon further inspection, it looks like several transactions have already been made since XX/XX/XXXX ( 4 transactions on XX/XX/XXXX, and 4 transactions XX/XX/XXXX ). I am unsure why I was notified of this a week after opening. It looks like money was put in through XXXX transfers with people 's names, and then taken out via an ATM in NY. Bank of America 's checking fraud department told me they would try to close/reject the account, but it won't happen immediately because it needs an investigator to look at it first. The identity thief also added 2 telephone numbers and their own email to my account profile, which I asked them to remove. I asked the company if they could trace the phone numbers or email address 's IP back to someone, but they did not give me a strait answer and only said it would be investigated. Unsure if this person is scamming other people because there are names associated with the XXXX payments that went into the checking account. I have since also placed a freeze on my credit and am filing a police report. My advice to others- don't trust XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-24
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number # 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 also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-08-15
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am writing to address a serious concern regarding my Bank of America card. Recently, my card was stolen, and I promptly reported this issue to your customer service department. Despite my efforts to inform you about the stolen card, I have not received any communication from their end regarding the status of my claim. 

To add to my frustration, I have been charged back for the fraudulent transactions on my card. This situation is particularly troubling as I have not been contacted by anyone at Bank of America to discuss or resolve this matter since it first occurred. 

I kindly request immediate assistance to rectify this situation. Please provide me with an update on the status of my claim and any steps that need to be taken to resolve the charges. I would also appreciate it if you could investigate why I have not been contacted regarding this issue. 

Your prompt attention to this matter would be greatly appreciated. I look forward to your response and a swift resolution.