davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

Experian does not allow me to freeze my credit report on line. XXXX XXXX and XXXX  both had simple processes to accomplish this but Experian, which allowed me to open an account, only directs me to their service which charges {$19.00} a month to lock my account. Experian has a separate page to enter data to freeze my report for free but it either errors out ( example requires a pin of 5-10 digits, when entered, it says error must be 5-10 digits ) my other option was to applet them give me a code. When I chose this option they said they could not identify me and that I would have to mail considerable information via hard copy to them. This when I was logged in just fine 5 minutes earlier using the same information on the site where I would have to pay {$19.00} per month to freeze my credit. This company is clearly making something consumers are entitled, under the law, for free so hard to get that people will pay them {$19.00} instead. Given that the process at the other two companies is simple and free it is obvious that Experians intent is to channel the consumer into their fee for service on line tool! Devious and deceptive business practice.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9400.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Consumer complaint received 2022-07-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-08
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. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. 

On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (GA)

On or around XX/XX/, I received notice from CashApp that my account was closed due to a violation of the Terms of Service. Since I depend on CashApp to send and receive funds to and from immediate family members in emergencies, I was alarmed and unaware what could have triggered the sudden closing without warning. The only thing I could think of was unauthorized charges being made through CashApp, which I am unsure how those charges are even being made. I contacted CasApp customer service and provided them with information they requested to assist in investigating the sudden closure. After not hearing from CashApp after a few days, I checked on the progress of the complaint and was given a case number and told that the issue has been escalated. After not hearing back from customer service, Ive reached a couple of more times and was given the same answer that the issue has been escalated and has not received a timeline on when this will be resolved. CashApp, at the least, should inform users why the account was closed along with providing a timely resolution to the dispute.
Consumer complaint received 2020-10-09
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. (NV)

I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. Thank you.
Consumer complaint received 2021-10-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: CCF Intermediate Holdings LLC (SC)

In accordance with the fair credit reporting act, Speedy Cash has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-12-14
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: U.S. BANCORP (NC)

On XX/XX/XXXX we attempted to make hotel reservations online at a XXXX XXXX hotel near XXXX, XXXX XXXX. We did not receive a reservation confirmation, so we made reservations by directly contacting the hotel. We stayed for two nights, XX/XX/XXXX and XXXX and checked out on XX/XX/XXXX and paid the bill of {$280.00}. On the subsequent billing statement for XXXX, XXXX identical charges from XXXX XXXX for {$140.00} for XX/XX/XXXX that appeared on our statement. We assume these were placeholder charges made as part of the unsuccessful reservation attempts made on that day. I contacted the credit card company as explained these were erroneous charges posted in error, as we had paid the correct charge for the two nigh stay and there were no other valid XXXX XXXX charges. I subsequently submitted a written response to them explaining the error. I also told the credit card company that I had contacted XXXX XXXX to ask them to remove the charges, and XXXX XXXX had not record of the charges. I have subsequently had numerous and lengthy telephone conversations with company representatives where we have gone over the charges together and they have claimed to understand the issue, only to receive multiple correspondence indicating that 1 ) they don't have enough information ( even though I have gone over the dispute in detail and the representatives I spoke with claimed to be taking detailed notes, 2 ) I should have canceled the service ( although as explained, there was no service to cancel as these were erroneous charges for attempted reservations that were never confirmed, or XXXX ) the dispute was not submitted within the 60 days required ( after representatives confirmed on the telephone that my written explanation was in the file well before the deadline and available for them to review during our conversations.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

My Discover Credit Card account # XXXX is reporting delinquent with two late payments that was past due 30 days two times however I have made all my payments on time and the account is in current good standing. The account is not delinquent and has been opened since XX/XX/XXXX. For XX/XX/XXXX and XX/XX/XXXX it is reporting these months the 30 days late but I have made those payments on time and Discover never sent me payment reminders or bill statuses throughout my whole term with this bank. I am requesting the removal of this false reporting information to all payments on time as they were and should be because I am going for a mortgage loan and with this delinquent status it is severely hurting my credit score where I can not go for a home loan. I need this fixed Discover or I will close my account with you guys. I am extremely hurt I had this account for 4 years and they DARE put me in this situation.
Consumer complaint received 2022-07-08
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. (PA)

In accordance with the Fair Credit Reporting act, the below accounts have 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

On XX/XX/2022 I applied for the HAF program through XXXX XXXX XXXX XXXX. I was approved and they sent to my servicer, Shellpoint! I have continuously asked about this! The file # XXXX is my identifier through XXXXXXXX XXXX XXXX 

Shellpoint claims they dont have it! 
I am in foreclosure as of XX/XX/2022. I answered the complaint. 

I am attaching the email from XXXX XXXX XXXX, my application and the verification from the processor. 

I got the offer on the trial modification..Im trying to figure out if someone was struggling with {$730.00} payment why would my modification be {$1300.00}? Do they want people to fail? 

Applying the HAF will help lower the payments.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (OH)

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent Multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.
Consumer complaint received 2022-07-08
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. (KY)

Im not sure if the CFPB is who I should contact regarding this, if not could you please tell me who I should contact in regards to this. On the night of XX/XX/2022 I received an alert on my XXXX XXXX account that I had a new hard inquiry from XXXX  XXXX showing up on TransUnion. The next day XX/XX/2022, I called XXXX XXXX to ask them what the inquiry was about because I do have a credit card with them but nothing had changed so they shouldnt have ran my credit. I have had this card for years. The guy put me on hold and went and spoke with his supervisor and then told me that they didnt see that they ran a hard inquiry on their end. He suggested that I call TransUnion and see if they could give me some more details regarding this, he claimed they could tell me exactly what the hard inquiry was. I then immediately called TransUnion, who didnt listen to my problem and just insisted they send me a free credit report by mail. Later the same day I called the ID Theft Bereau? Who told me that I needed to call XXXX XXXX and tell them that I didnt apply for anything and that XXXX XXXX should be able to easily take the inquiry off my report. On XX/XX/2022, I called XXXX XXXX again and told them what the ID theft people told me. They told me they couldnt do anything to help me, that I needed to call the credit company that they hadnt ran my credit. On XX/XX/2022, both myself and my mother received a phone call from a number whose caller ID said XXXX XXXX who left a voice mail on both our phones about my recent application ( again, I have not applied for anything ) On XX/XX/2022, I called XXXX XXXX and ask what the voice mail was about, they said they couldnt help me and I needed to call the application department to check on my application, they basically refused to help me. Sometime during the following week I received my free credit report from TransUnion in the mail. The hard inquiry is most definitely on there and under the inquiry analysis the identifying information they provided is not my address or phone number it is someone elses. I dont know what to do about this and I keep getting sent in circles. It is now appearing across all credit bureaus reports.
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 — Account information incorrect
Company: Marlette Funding, LLC (CA)

I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by best egg regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN. 
I agreed. 
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN. 
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior. 
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan. 
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. 
XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-07-28
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-04
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. (NY)

The below letter was sent to XXXX XXXX Vice President of Customer Interaction. 

I am writing you this letter that I am also forwarding to the XXXX Department of Consumer Affairs, NJ Department of Consumer Affairs, and the Federal Trade Commission. On XX/XX/XXXX I requested a forbearance that would last until XX/XX/XXXX. I called in and spoke to a representative to find out about paying off my loan in full and was told I would receive a letter in a few days. During this time XXXX put a derogatory mark on my credit report for 6 months of missed payments instead of stating I received a Covid relief forbearance. This caused my credit score to go down over XXXX points. 

I called on XX/XX/XXXX and spoke to a representative to state that she had put in a credit reporting request to have it investigated. I called back today XX/XX/XXXX to follow up with the investigation and was hung up on by two of your reps, but I am sure they will state the phone call got disconnected. If it did, why didnt either one of them call me back since my phone number is verified each time? I was told by the second representative that because I didnt pay the full amount I am delinquent, but the letter I received about the forbearance does not state that. I explained that I made a {$500.00} payment and wanted to know what my options are to get out of arrears. I want to start making regular payments again. I would prefer not to go back into forbearance or a deferment. If only your customer service representatives would stop hanging up on me. I am extremely disappointed that during Covid your company would rather impact credit reports instead of helping your clients. If you look at my payment history you will see that I was not in arrears when I started the forbearance. 

I am forwarding this letter to the XXXX, NJ Department of Consumer Affairs, and FTC because I know I am not the only person affected by this. If you look at your reviews online at XXXX and XXXX you will see that other customers have been impacted. I believe this company should be investigated because no one should have to go through this during Covid.