davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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. (FL)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-18
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: CITIZENS FINANCIAL GROUP, INC. (SC)

On XXXX XXXX I received an order form from XXXX  ( XXXX ) for an XXXX and XXXXXXXX XXXX XXXX, Being a XXXX year old woman, I don't have any idea what this is. 
In addition, it was to ship to XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. This is definitely not my address, but is the address of a hotel. 

Shortly thereafter, I received an email from Citizens One congratulating me on the purchase of XXXX XXXX and they had set up my account ( XXXX ). I discovered they had done a hard inquiry on my XXXX  credit report. I never authorized them to request this report ; nor did I request or authorized such a loan. 

I believe this is some form of a scam and I never received any merchandise and certainly will not be paying any money to Citizens One, Thank you, XXXX XXXX
Consumer complaint received 2022-07-05
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 am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2024-12-06
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Lennar Financial Services, LLC (NV)

LENNAR MORTGAGE LLC AND XXXX XXXX XXXX  ( ONE IN THE SAME COMPANY ) SHOULD BE INVESTIGATED FOR THEFT AND MISCONDUCT MISLEADING THEIR CONSUMERS ABOUT THEIR HOMES AS THEY PRETEND TO ASSIST WITH GOVERNMENT PROGRAMS THEY CAN OFFER IT'S CUSTOMERS. Mean WHILE PLAINING TO SCHEME AND STEAL THEIR CUSTOMERS ' HOMES. 
My Home has XXXX XXXX in XXXX rate ... Why would they want to steal my home?!! I was misled by
LENNAR MORTGAGE LLC AND XXXX XXXX  XXXX promising to act upon requests for mortgage modification within a a specific amount of time and they failed to do so ; b. LENNAR MORTGAGE LLC. And XXXX XXXX  XXXX. 
mislead me with false assurances that my home would not be foreclosed when the request for modification was pending, at the same time THEY filed XXXXXXXX XXXX without sending me proper notices and lying to me advising me they were close to a modification for me. If you don't belive me let 's request phone records.

LENNAR MORTGAGE LLC and XXXX XXXX  XXXX were scheduling auction dates, and trying to sell my home from underneath me while assuring me approval for my Modification was almost complete.

.

c. LENNAR MORTGAGE LLC and XXXXXXXX XXXX XXXXXXXX. 
misrepresented that I must be in default or Foreclosure on my mortgage to be eligible for modification or other repayment options when, in fact, change of income is enough for a borrower to qualify for modification or other repayment options.

d. LENNAR MORTGAGE LLC and XXXX XXXX  XXXX. 
failed to Communicate the process by which a borrower may apply for an available foreclosure prevention alternative and the deadline for any required submissions to be considered for the foreclosure prevention alternatives.

LENNAR MORTGAGE LLC and XXXX XXXX XXXX Failed to provide me with any updates regarding their plans to file for foreclosure against me. I only found out about the foreclosure when I logged on to this portal to check their response to a complaint I filed on XX/XX/year> case # XXXX concerning stall tactics on my modification request. I noticed they included a copy of a XXXX  with a timeframe to respond of XXXX before they plan to sell my home.

I was never served any notices with a server or via certified mail from the mortgage companies. based on what I was told by many representatives of the company I was close to my loan modification approval. I just need to change some dates on documents, and initial places where there was no place to initial indicated. The request just didn't sit well with me. I was wondering why I was asked to make such changes, why was this modification taking so long? then it hit me LENNAR MORTGAGE LLC and XXXX XXXX  XXXX were not trying to assist me as promised They were stealing my home right from under my eyes. That's when I decided to go public with my complaints.
Consumer complaint received 2022-09-20
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: HW Holding, Inc (GA)

I would like to know why i am being charge for something i was not approved for never moved into the apartment was denied and im not responsible for any other the amount that was place on my account.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

On XX/XX/21 I lost my prepaid debit card. I last used my card the day before XX/XX/21 at XXXX XXXX  XXXX  XXXX. When I realized I lost my card on XX/XX/21 that evening when I arrived home, I immediately called for a replacement card. I was then informed by customer service that several transactions had taken place while my card was lost. The list is : XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX {$280.00} XXXX {$26.00} XXXX {$75.00} I was told I must wait until the transactions posted to my account before filing a dispute. I filed on XX/XX/21. Approximately 2 weeks later my dispute was denied. I have since then made several calls and written several letters to appeal their decision. I also asked for the documentation they used to determine their decision. Ive gotten no answers nor help in resolving this issue. I did not authorize any of the transactions listed above, I need my money to be refunded to my account.Will you please help me. Thank you.
Consumer complaint received 2021-06-18
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: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I logged into my Wells Fargo Credit Card account and discovered fraudulent charges being made against my card that presented as XXXX subscriptions. Upon further investigation I found these charges to be going back to XXXX of XXXX, which at the time is as far back as I can see. I also checked current rates with XXXX memberships and the amounts do not lineup so I doubt these are in fact XXXX subscriptions. 

I contacted Wells Fargo to report the fraud and request older statements to ascertain how far back the fraud charges went and if there were any other. In my conversation with their representatives when I asked why I was never mailed a new card when the one I was in possession of had expired in XXXX of XXXX I was told there was a bad address notice on my account. When I asked how an expired card could have been used for the charges I was told they would have just kept trying combinations of dates until one worked, suggesting at no point would their security have blocked the attempts or notified me.

Two weeks later I had still not received the statements nor the new card so I called back. This time I was told the card had been mailed out in XXXX and in fact returned by the post office, triggering the bad address note, and they had simply extended the expiration date of the existing card but never attempted to contact me. 

At this point I am still waiting for the now third replacement card to be expedited as well as statements of activity from XXXX to current so I can determine the scope of the fraud. I have made it clear to the agents at Wells Fargo that I suspect somebody within their organization stole my original new card in XXXX of XXXX and began using it illegally, and that the alternative is that they have absolutely zero security measure in place to prevent fraud and would allow the most basic of attacks. 

I find it insulting that at no point did they attempt to contact me when after my mother died and the account was 30 days past due they called me immediately. It seems blatant that their only concern is receiving their money and not their customers at all. 

Unfortunately at this time I do not have the exact amounts or dates as I currently do not have access to my account online nor any of the paper work I have requested. I am submitting this complaint now and will update with all relevant dates and amounts of charges as soon as I have them in my possession.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

I called Sunrise Credit Services, I explained that they did not have my updated address or email address. They did not provide debt validation, I was not aware I owed this debt and they reported negative on my credit report. I kindly asked they delete this from my report and they declied to removed. This is for sunrise credit account # XXXX.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Barclays XXXX Mastercard incorrectly filed my item as " Item returned '' in the dispute case instead of filing it as " item rejected, not received. '' As a result of the Barclay Dispute department 's mistake, I was not able to get my refund of {$410.00} from the merchant, XXXX XXXX. Order # is XXXX. 
This is a violation of FCBA as Barclays Dispute department had incorrectly filed my dispute and is not unable to return the funds to me due to their mistake.
Consumer complaint received 2022-07-18
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. (SC)

On XX/XX/2022 I recieved an updated copy of my credit report from Transunion. There is still inaccurate information on my credit report. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX. Law 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 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For over 12 months, I have been disputing unauthorized accounts and inquiries reported by TransUnion, despite providing substantial documentation of identity theft. I have submitted both police reports and an FTC report, which support my claims of fraud and identify specific inaccuracies on my credit profile. Additionally, other credit bureaus have investigated these items and deleted them from my report after confirming their unauthorized status. 

The disputed entries on my TransUnion report are as follows : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken by Me : Documented Identity Theft : I submitted a police report and an FTC report confirming identity theft, both of which should warrant immediate investigation and appropriate action to rectify these unauthorized entries. 

Submission of Evidence : I provided TransUnion with proof from other credit bureaus that have already removed these entries after completing their own investigations. 

Repeated Disputes : Despite my repeated disputes over the past 12 months, TransUnion has failed to remove these entries or provide sufficient verification of their legitimacy. 

Requested Action : I am formally requesting that TransUnion : Immediately delete the unauthorized accounts and inquiries listed above, in line with the Fair Credit Reporting Acts standards for accuracy. 
Provide detailed documentation used to verify these disputed items if they can not be immediately deleted. 
If these requests are not fulfilled, I will escalate this complaint through additional formal channels, as my rights under the FCRA, FDCPA, and TILA require prompt correction of inaccurate, incomplete, or unverifiable information. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-20
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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-06-15
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. (IL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER : 15 USC 1681.Section 602 A. states I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

1. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} XXXX. CREDITOR : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} XXXX. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} XXXX. CREDITOR : XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} XXXX. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX CARD SERVICES ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

For a few days now they have had the incorrect balance in my leddger saying it was negative and it was not. Infact i had about XXXX XXXX  in there and then they froze my accoint and ita still frozen ans i can not use the little money i do have in it and it wont allow me to add another card to resolve the issue.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

I have been the victim of identity theft. A XXXX 's credit card has been opened fraudulently in my name, I need it removed and blocked from my credit report immediately. My name is XXXX XXXX. 

Account number XXXX Date opened XX/XX/2014 Account type Revolving