davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (CA)

I have recently been a victim of identity theft due to a data breach. During this identity theft two accounts where opened under my personal information on which do not belong to me. The following accounts are a result of that Identity theft and do not belong to me in no shape or form. Please block this account asap. Thank you -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

On XX/XX/2020 I became aware that my credit score decreased by 44 points, from XXXX to XXXX, during XX/XX/2020 because of a " derogatory account '' that Credit Management , LP had notified the credit reporting agency XXXX  they were collecting on behalf of XXXX XXXX XXXX. 
I contacted Credit Management , LP for first time via telephone on XX/XX/2020 XXXX XXXX to gather information. 
Contacted Credit Management , LP for second time via their website https : //www.creditmanagementonline.com/questions on XX/XX/2020 XXXX XXXX to issue a letter to initiate my dispute. 

I disputed this debt because I was never contacted by neither XXXX XXXX nor by Credit Management , LP in regards to either proof of this debt or its collection. Credit Management , LP may be in violation of the FDCPA ( section 1692c.b ) by having failed to issue me notice of the alleged debt prior to contacting consumer reporting agencies, and in doing so having intentionally damaged my personal credit score with no proof of debt having ever been presented to me. I believe this currently amounts to libel.
Consumer complaint received 2020-01-23
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: Navient Solutions, LLC. (OR)

There is still an account being posted on my credit report, that effects my score. The Sallie Mae closed account is listed 7 times as individual accounts and is still listed well beyond 10yrs. The account is from 2007, again listed 7 times as individual accounts. Showing I have 7 closed accounts. I have asked the old accounts to be removed, which included in the past other accounts. The other accounts were removed, yet there are still 7 of the same account listed. This is wrong and needs to be fixed properly.
Consumer complaint received 2020-05-28
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. (TN)

I have sent numerous requests to XXXX XXXX, and Transunion regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX - XXXX XXXX XXXXXXXX CT XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

Today I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Lane Bryant account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a XXXX  balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a XXXX   balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried many times with you guys to get this resolved. Transunion is still reporting a Public Record of a Bankruptcy on my credit report. I've asked for 8 months now to either provide proof of where you got this information from or to delete it from my report. Even recently as of XX/XX/XXXX, I requested proof or deletion of two items. Transunion deleted one item and ignored the current account in question. I have a paper trail showing this neglect has been going on since last winter. I even did my own investigation, went down to the courthouse, obtained proof that my name is not associated with any bankruptcy reported to Transunion ( attachment included ). I went through this with another bureau and they suggested that this information may have come from a 3rd party ( XXXX XXXX ). I reached out to XXXX XXXX and they too said I am not in their records with a Bankruptcy. I provided them proof and they deleted this from my credit report. I am including both letters and asking once again for you to delete this Bankruptcy from my credit report. Please do not ignore this request. I have a paper trail of certified mail dating back until XX/XX/XXXX requesting verification and you have yet to send anything. This is an FCDPA violation with multiple offenses.
Consumer complaint received 2021-01-02
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: AVANTE (DE)

On XX/XX/XXXX I was looking on XXXX for a house and I came across someone I thought was honest but turned out in fact to be a scammer they asked me to pay a small fee to get my credit report and send to them. I told them I sent it and a hour later or two something showed up on my credit report. They said XX/XX/XXXX I was at the doctors office and I owe XXXX. So I told them Ive reported them and they never emailed me back again
Consumer complaint received 2020-05-29
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. (AR)

I recently submitted back towards the end of XX/XX/XXXX early XXXX of XXXX a Identity theft affidavit ( # XXXX ) ( to Experian, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. Experian and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition EXPERIAN failed to investigate my dispute by responding with report # XXXX for XX/XX/XXXX stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO EXPERIAN WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (FL)

i was a victim of Identity Theft And Its Seems as they are still trying to apply for credit using my Information i have a Fraud alert on my credit Files they just tried to apply for credit with the inquiries that i did not give consent
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I was trying to make a withdrawal from both my checki my accounts ... I thought it was the machine but when both accounts were declined I called Chase Morgan bank right away. They informed me that they have decided to end the relationship with me aka closing the account. I received no letters let alone any reason as to why they decided to move forward on closing my account. I informed them that the next day I was to receive a direct deposit of about XXXX bucks from my work which that never went through however my work payroll informed me that it already went through and is unable to write me another check and that I need to contact my bank So now my bank refuses to answer me or give me.my money! It is my money and my account I have ever right to get my money back
Consumer complaint received 2020-05-29
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. (SC)

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 Company Inquiries : XXXX   XXXX XXXX XXXX XXXX  XXXX/XXXX
Consumer complaint received 2023-03-14
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)

As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.
Consumer complaint received 2020-05-28
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. (CA)

I have a mortgage loan from XXXX  XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX  XXXX  and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-28
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. (CA)

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

For no apparent reason XXXX  XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$390.00} on the XX/XX/18 statement and had made qualifying purchases of {$640.00} on this card which had not been credited to my cash rewards. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this card.
Consumer complaint received 2019-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (TN)

In XX/XX/XXXX my mortgage payment increased from {$1000.00} to {$1100.00}. Due to a grievous oversight on my part I failed to increase the payment. Mr. Cooper Mortgage company held my inadequate payment and threaten by XXXX XXXX XXXXbut there was a dramatic hit on my credit report for non-payment. Eventually the credit issue was resolved with Transunion credit bureau and my credit score was restored. 

I am in the process of selling my current home and trying to prequalify for the purchase of another home. Therein lies the problem. Upon an inquiry of my credit it was disclosed that I was late on 4 mortgage payments for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. My credit scores are impeccable with the only blemish being 4 late payments on the XXXX Credit Report. 

Other than the XXXX mix-up, I have never been late for any payment while a client of Mr Cooper. I have called twice trying to resolve this issue. On XXXX XX/XX/XXXX I called and asked for a copy of my payment history and also a letter stating that I was, in fact, on time for the payments of XXXX, XXXX and XX/XX/XXXX. 

According to the customer service representative on XXXX XX/XX/XXXX, it was stated that they would send a copy of the payment history and a statement saying I was never late on mortgage payment except for the one incident of XX/XX/XXXX. He only sent the payment history and not a clear explanation of no late payments. i am beginning to wonder if my file flagged or are the customer service reps being told not to help out with this issue? I have called twice and written one letter and sent an additional registered letter to ensure someone is made aware of my circumstances. 

The payment history of my current mortgage they provided shows only the XX/XX/XXXX mishap. As one can see, the only blemish is XX/XX/XXXX. The payment history is and has been consistently on time each and every month for the past 46 months. I know the credit report states 4 late payments but the historical data provided by Mr Cooper shows only the mistake in XX/XX/XXXX. 

I have requested an immediate Rapid Resolve and Rescore to correct this error. I am in the process of selling this property within the next 3 weeks and because of this mistake I can not pre-qulaify for a new mortgage. Please understand that any further delay in rectifying this grievous credit issue impacts severely upon my ability to purchase a new home.
Consumer complaint received 2020-05-28
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)

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.
Consumer complaint received 2023-03-09
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: National Credit Adjusters, LLC (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 a payment or credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (IL)

On XX/XX/2021 I attempted to log into my unemployment card ( KeyLink ) account. I was denied access and couldn't change my username, password or pin number. I called the number on the back of my card and she stated that someone changed my pin on XX/XX/2021 and there were 13 fraudulent charges between XX/XX/2021 and XX/XX/2021. They totaled {$6300.00}. Someone was using a web transfer and transferred money to another account everyday for 2 weeks. There were 11 fraudulent charges at {$500.00} each, 1 fraudulent charge of {$490.00} and 1 more fraudulent charge of {$300.00}. The company has denied my claim stating that no errors have occurred. They won't give me any detailed information regarding where this money went other than it was a web transfer to another account. I received a letter Bank Card Services PrePaid Debit Disputes with a routing number and the last for digits of an account number they claim is linked to the cardholder, which I assume is me. Again no further details. Please help me recover this money as I haven't worked in over a year due to the pandemic and really needed that money to help provide for my family. Today, XX/XX/2021 I sent Bank Card Services PrePaid Debit Disputes a fax with a hand written statement explaining what was going on and to please re-review/reopen the claim considering I never authorized these 13 transactions over a 14 day period. I've never authorized any funds to be transferred to another account.
Consumer complaint received 2020-11-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (FL)

I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me? 









Personal And Confidential Communication from XXXX  for XXXX XXXX XXXX Inbox XXXX XXXX via XXXX Attachments XX/XX/2020, XXXX XXXX  ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully. 
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.

2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.

By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for XXXX  to communicate with you via email.

If you do not wish to be contacted via email, follow the Unsubscribe Instructions below. 

XXXX is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.