davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
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: Experian Information Solutions Inc. (MI)

Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine. 
2. This account is not mine and was never opened by me. 
3. This account has been sold with no proof it belongs to me. 
4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there. 
5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : XXXX, letter head XXXX XXXX   XXXX XXXX. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.
Consumer complaint received 2023-10-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LEXISNEXIS (DC)

XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Received unsolicited financial products on insurance offer after Opt-Out. 
Improper use of my report shared without consent, credit inquiries from unknown sources.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (WI)

I have disputed with XXXX Equifax XXXX these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over 90 days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3300.00} XX/XX/2020 I DO NOT HAVE SS XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is violating my right to privacy. They have updated my account with the name of my private trust. I did not consent to this update. Remove my trust information immediately. My trust is a private separate entity with its own ein. It is not a consumer, nor is my trust involved in any credit transactions.
Consumer complaint received 2023-07-26
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)

XXXX and XXXX XXXX added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my XXXX. This debt could not have been validated by XXXX and XXXX because it is not my debt and does not match my information.
Consumer complaint received 2023-07-25
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: JPMORGAN CHASE & CO. (CA)

Long story short, I disputed 2 transactions because the service was not provided and for 1 I received the refund and the other one I didn't, my bank communicated incorrectly the issue with the second transaction and now the merchant says it's too late to dispute the transaction, this is clearly a communication issue from my bank and they have to fix it somehow, I provided evidence about my flight reservation cancelled on XX/XX/XXXX by the airline without a clear reason, I struggled so much to get a hold of them that I decided to engage my bank for help, they successfully communicated the issue for XXXX transaction, but they failed to do it for the second one. 

Please help me this has been the worst experience that I've had.
Consumer complaint received 2023-07-27
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. (NY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

US DEPT ED XXXX XXXX : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2020-01-09
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. (GA)

I am submitting this complaint against TransUnion as a result of their investigation into a dispute that I submitted against collection agency XXXX XXXX XXXX. I submitted a dispute on the basis of the company no longer owning the account but still reporting to the bureau in XX/XX/XXXX. XXXX XXXX informed me that the debt had been sold to another agency. TransUnion response to my dispute was that the debt was validated and updated the account by re-aging the debt which impacted my credit score. This response to my dispute should not have been updated as if it were a new account. 
TransUnion has not fully investigated my numerous disputes against this company and has only just updated the account as paid on XX/XX/20 after I provided a bank statement showing the account was paid. TransUnion has not addressed my multiple complaints that XXXX no longer owns the debt and should not be reporting on this account to the bureau. The payment was made to another company and not XXXX XXXX. This is a violation of the FCRA for both the re-aging of the debt as well as allowing XXXX to report on a Debt that they no longer own.
Consumer complaint received 2023-07-25
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. (MI)

On my credit report there are several errors. I spoke to the original lender and stated there was nothing they could do. XXXX reported on XX/XX/2021 was when account was last active and XX/XX/2021 was last payment. XXXX  states on XX/XX/2021 account was last active and XX/XX/2021 was last payment. Equifax states XX/XX/2021 was last active and XX/XX/2021 last payment was made. All these errors on this report are confusing. This has caused me stress and time lost to complete my goals with my credit. Please remove this off my credit report
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

On XXXX XXXX, we purchased a XXXX from XXXX XXXX. We told the sales person, XXXX, and the finance guy repeatedly to make sure they list our po box as our mailing address. On XX/XX/XXXX, I called to ask when we would receive a bill to be told our account was past due. We explained we have yet to receive a bill. The supervisor we spoke to assured me that had fixed the billing address. I had a check sent from Bill Pay with my bank. It arrived on XX/XX/XXXX. 

Payments for XXXX and XXXX went sent on XX/XX/XXXX and XX/XX/XXXX, respectively. 

We have yet to receive a statement from this company. 

I called again today and discovered they had applied XXXX late fees to the account. 
I first spoke to XXXX who refused to hand me over to a supervisor. I called back and got XXXX who got me over to XXXX. 

XXXX made me wait while she heated up food for people - I could hear kids and a microwave! 

After several minutes, XXXX came back on the line. I explained we have yet to receive a bill from the company, that we told them at the dealership, it was supposed to be fixed on XX/XX/XXXX,... 

XXXX said she updated the billing address but it would take not take effect until the following statement. I told her they told us in XXXX that they corrected it. She stated they put something in the notes. 

XXXX said she put in to waive one of the two late fees. I stated it isn't fair to have any late fees as it was the company 's fault we never received a bill and we had paid our loan payment on time each month. She further stated she would request a waiver but didn't think it would go through. 

I told her the XXXX payment should be there tomorrow and asked if there was still going to be an issue. Apparently, this company keeps issuing additional late fees even though we pay on time. This is not fair or reasonable.
Consumer complaint received 2020-01-09
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. (WA)

Hi, I am a recent victim of identity theft ( discovered on XX/XX/20 ). I'm following the ID theft playbook. Have filed a police report, incident report with the Federal Trade commission, have filed a fraud alert with one of the three bureaus ( which in turn has an obligation to alert the other two as I understand it ) and my last step is putting a credit freeze on my accounts with the three credit bureaus. The process was super simple with XXXX and XXXX   but for the life of me I can't get it in place with Experian. I have tried on-line multiple times and tried to call a litany of numbers and it's impossible to get a human. The end result is the same which is that they want me to mail a bunch of super sensitive information to Texas ( which if it was ever compromised would give someone the ability to do an ID Theft ). There is no way I " botched '' the process, the form is super simple to fill in. It's as if they don't want to let you do this but instead sign up for their paid credit lock product. I've seen other complaints on this and the response from Experian is there is something about my background which gives them pause from an on-line sign up. That's nonsense. I wouldn't be so aggravated by this other than : 1 ) given I'm a recent victim, I want to get freezes in place with all three asap and the mailing process could take some time ; and 2 ) the simple fact that it is impossible to speak to a human. I did read about some functionality where I can upload the information to a secure website of theirs but it is impossible to locate ( or at least I haven't been successful ).
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I started in XX/XX/2019 with Cardinal Financial for a refi of my XXXX House. I prepaid for an appraisal of my house ( {$470.00} ) and never received it. I have asked for either a refund or a copy of the appraisal and have been ignored. Please assist me in receiving either. 

Here is the contact individual : XXXX XXXX | Loan Originator Inside Sales | NMLS # XXXX Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone/Fax : ( XXXX ) XXXX | XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (VA)

XX/XX/2023 - Per online auction I purchased 3 items ( {$1900.00} ) of music memorabilia purported to be 'autographed. ' One item was to be accompanied by letter establishing provenance which seller failed to provide. All 3 items came with " Certificate of Authenticity '' issued by seller. 

On/about XX/XX/2023 goods received. Seller recommended authentication 'expert ' which I researched and found had a questionable reputation. I researched and contacted reputable expert. 

XX/XX/2023 Items ' autographs verified by authentication experts to be forgeries. I contacted seller advising of failed authentication and requested to return goods. Seller refused. 

XXXX - I called Customer Service of TD Bank , issuer of XXXXXXXX XXXX XXXX XXXX ( with which payment was made ), to advise of fraud and dispute {$1900.00} charge. I offered to send report of authentication expert and correspondence with seller. Representative declined to receive same. 

XX/XX/2023 - I received two letters from TD Bank : 1 ) dated XX/XX/2023 stating, " additional information is needed relating to transaction ( s )... '' and, 2 ) dated XX/XX/2023 stating, " Our review determined an error did not occur '' and " Must be resolved with the merchant '' and " You have the right to request documentation used to make our determination. '' From this point forward I made all communications on TD Bank 's website so there would be a 'paper trail ' of correspondence. Attached are copies of all website 13 messages correspondence ending XX/XX/2023 including my repeated requests for above mentioned documentation. 

At all times TD Bank has both refused to comply and failed to reply. 

Upon research I discovered that the 'merchant ' is a know purveyor of forged signature memorability with a " D+ '' rating with XXXX.org. I also have entire file of 25 messages between myself and the merchant, including 6 requests for instructions for return of forged items, all of which were refused.
Consumer complaint received 2023-07-27
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX # XXXX - BALANCE {$3000.00} Account Name : XXXX  XXXX # XXXX -BALANCE {$630.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$3000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2023-07-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Associated Bank regarding the suspension of my ability to schedule transfers and the complete lack of response from their customer service department. I believe that my experience with Associated Bank has been frustrating, unprofessional, and a significant inconvenience. 

Details of the Complaint : Inability to Access Account : On XXXX I attempted to log into my online account with Associated Bank, but I was unable to do so. I received an email notification stating that my " Ability to Schedule Transfers Has Been Suspended ''. 

Attempts to Contact Customer Service : Immediately after receiving the suspension notification, I contacted Associated Bank 's customer service department through their provided helpline. The representative informed me that my case had been assigned to someone who would handle the matter and assured me that I would receive a call from them the following day to discuss reactivation of the service. 

Lack of Response : Despite the assurance, I did not receive any call or communication from Associated Bank for several days. After waiting patiently, I called their customer service again, and once more, I was promised that someone would contact me within the next 24 hours. Unfortunately, as of today 's date, which is almost two weeks after the initial suspension, I have not received any response or call from them. 

Inconvenience and Loss : The inability to access my account and schedule transfers has caused me significant inconvenience and stress. I rely on these services for my financial obligations, and the lack of access has affected my ability to manage my finances effectively.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
Thank you.