davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked
Consumer complaint received 2018-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to TransUnion several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2018-07-21
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. (MI)

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2018 my account was compromised with an electronic withdraw of {$390.00} that I did not authorize. I reported the transaction immediately at the XXXX, PA branch and closed the account. I was told that I should be reimbursed for the funds that were taken from my account within 6-8 weeks, it is going on 10 weeks and I have not received my funds back ; the claim is still pending and I feel like I'm getting the run around when I talk to the bank. 

I was mailed out an affidavit to sign and notarize more than a month after the claim was opened ; I have since found out this should have been given to me to me the day XXXX filed the claim or shortly thereafter. I'm certain this would be cleared up by now if the proper steps were taken. 

I have most of my bills paid through automatic withdraw from my creditors and there were a few that were pending, I left money in the account to cover the withdraws for my credit cards. However, there were 2 payments that I was not able to stop, the bank made the payment which overdrew my account. I specifically asked the person that was assisting me with this issue if payments couldn't be stopped and the account became in the negative how that would be handled. She told me that it would be alright, that when the {$390.00} was put back into the account it would cover any overdraw of the account. In the meantime I requested a provision fund deposit ( which I was told could be done ) of the {$390.00} into my account until the claim was settled to cover the negative balance of {$140.00}, this was approved which I have a voicemail stating so. The provisional funds were not deposited and now the bank has charged off the account. I feel that Citizens bank did not do their due diligence in handling my fraud claim starting with not giving me the paperwork that needed to be completed in a timely manner, then by charging off an account that is in a fraud claim status through no fault of my own. 

I have attached a copy of the fraudulent check that Citizens bank paid. The address on the check is not my address, I do not even know where this address is.
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this collection on this XXXX XXXX** for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC. (TX)

on XX/XX/2018 a pawn shop loan was made. I went in on the last day of grace XX/XX/2018 I extended the loan for another two weeks until XX/XX/2018. On XX/XX/2018 i returned back to the pawn shop to pay all that was owed and get my merchandise. I was perished to shown my TDL to pick up the merchandise, when in fact I offered to verbally give my TDL # that would have identify me because I had the original Pawn ticket with me. 

I did not have my TDL on my person, but I do know my TDL by memory. I was denied access to my property for not having the TDL. On my TEXAS PAWN AGREEMENT do not read that I am compel to show my TDL # but to present my TDL #. This has been an ongoing problem since. I submit a complaint to the TOCCC ( Texas Office of the Consumer Credit Commissioner ) I have only received the run-a -rounds. I will like to pay what I owe and get my Merchandise. 

Since, I was never informed about the Texas Financial Code regarding loans on goods, Cash America can not hold me responsible for knowing. The Texas Pawn Agreement I sign do not indicate I needed to know any more other than what I signed my name to. I have included a copy of the Pawn Ticket ( front and back ) and a copy of the complaint I submitted to the Texas Office of the Consumer Credit Commissioner.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Integrity First Financial Group (TX)

I applied for a refinance through a real estate agent, sent in all the required paperwork, esigned all the required paperwork, and paid for an appraisal. Once my file was in underwriting, the underwriter told the realtor my 2015 tax return was incomplete because XXXX was not filled out, and the return needed to be amended. I did not fill out this part of XXXX since I filed form XXXX. I was told once the underwriter received the amended return the loan would be approved. I told the realtor I did not agree with this ruling because I felt my return was filled out correctly and no amendment was needed. I said this for the reason that when you file form XXXX, you do not fill out XXXX ; you do not do both, it is one or the other. The realtor told me it would be great if I could get that in writing where she could submit the letter to the underwriter. So, I contacted XXXX attorneys ( XXXX being a tax attorney, XXXX being a real estate attorney ) who confirmed that when you file form XXXX, XXXX should not be filled out. The underwriter was wrong, and the attorney did write a letter to this effect that I submitted to the realtor, who submitted it to the underwriter, and some more people involved she told me. In the meanwhile, the realtor informed me that when a decision is not made in 30 days, what she could do is withdraw the loan until I either amend the return or produce the letter. The loan was neither approved or denied at this point. To my surprise, I received papers in the mail indicating I had withdrawn the loan, and in terminology as if the loan had been denied. To date I have not heard one way or the other what the outcome was after reading the letter from the attorney. I am most upset over paying for an appraisal.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (NY)

I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with these companies. XXXX and Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Please consider this my formal complaint against TransUnion Consumer Relations. 
At the start of XX/XX/XXXX I ran my credit report and found TransUnion was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the TransUnion report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Consumer Relations has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote TransUnion again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX XXXX XXXX ) as well as the letters from the bankruptcy court. TransUnion still insists they have verified the bankruptcy.
Consumer complaint received 2019-01-02
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. (VA)

On XX/XX/2018..I sent a certified letter to validate debt ... ..the collection agency for XXXX XXXX XXXX -- who is XXXX XXXX XXXX XXXX XXXX 

This was returned to me as undeliverable..problem with address ... this company 's website is also down .... 

This debt is unverifable ... .i deserve to have communication and a clear understanding from a DEBT BUYER..who is reporting inaccuracies ... which is in turn affecting my credit..my insurance and employment.. 

This is only still on my Transunion report..Transunion is allowing this and inaccurately reporting.. VIOLATING my rights ... please delete I have attached proof via usps..email exchange..etc
Consumer complaint received 2018-12-18
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. (FL)

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-01-01
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. (CA)

this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on EXPERIAN, XXXX   AND XXXX  credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time. 
The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I contacted the CFPB regarding a debt and a dispute between myself, XXXX, and XXXX XXXX. 
XXXX/XXXX XXXX sent my account in to a collection company entitled XXXX XXXX   that appeared on all 3 Credit Reporting Agencies and as of XX/XX/2018 I believe all three CRA 's have since amended the information at XXXX XXXX  and the information has been deleted from my credit reports due to my attaching correspondence from XXXX XXXX that showed XXXX balance on that account. 

Since the correction of that issue an additional collection company has been calling me about this same debt at XXXX/XXXX XXXX. I spoke with a company representative at DCI Collections at XXXX and was informed that XXXX had sent them this debt and that it needed to be resolved immediately. 

I was informed that XXXX/XXXX XXXX would continue to send this derogatory information to various collection agencies so I am requesting assistance in getting this matter cleared up once and for all.
Consumer complaint received 2018-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I coordinated a sale of a set of tires off a online forum with an individual who called himself XXXX XXXX. We agreed upon a price ( {$550.00} ) for the sale of the tires. He requested I send the money through USAA app via XXXX. I was ok with this since I trust USAA to back me when something goes wrong. I have never had an issue with buying in this manner before off of a forum member. So I sent him the money ( {$550.00} ) through the app so he could then send me the goods. However I once I sent the money he stopped responding to calls, text and email messages and completely disappeared. A couple days later the forum moderator sent me a forum wide message to all people who had been contact with him saying he was using the forum as a means to scam people, me being one of them. I used this information to make a claim to USAA, however they denied my claim and I am now out {$550.00} when I thought I would have protection from my bank for such an occurrence. Any help would be greatly appreciated.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I did an assumption two years ago to take my ex husband off of the mortgage. Last year, my tax statements went to his new address. I called them and had it fixed. I just paid the mortgage off and was checking to see if my escrow payment was coming to me yet. I noticed they just changed my address to his new address. I know he just bought a house. Why does my accounts keep on being changed to his address? I dont understand because he longer had anything to do with that mortgage or with me. I do not want my tax statements going to him. I believe my escrow is coming to me because it was mailed before the address changed. There also might be an overpayment but I am not sure. I dont want that going to him either. 

How does this bank not have controls in place to avoid people changing addresses that are not on the account? This is how fraud happens and also people have privacy concerns too.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am unable to place or remove a security freeze of my Equifax credit report on their website ( my.equifax.com ). 

When attempting to lift a security freeze, I am redirected to a web page that requests me to fill out a form and send it to them via regular mail with additional identification information. I have sent the requested form to the provided address via regular mail more than a month ago, but have received no written or verbal response from Equifax. 

I have spoken to Equifax customer care over the phone twice about this issue ( XX/XX/XXXX and XX/XX/2018 ). They are unable or unwilling to resolve the problem and only offer to place or lift the freeze over the phone, which is time consuming. 

Federal law ( Economic Growth, Regulatory Relief and Consumer Protection Act ) requires credit reporting agencies to provide a web page where consumers can place or remove a freeze. Equifax is in violation of this law.