davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-23
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. (VA)

My name is 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 2023-07-23
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: EQUIFAX, INC. (TN)

Between XXXX I was the victim of identity fraud ; the thief applied for 3 credit cards in my name. On XX/XX/XXXX, they applied for credits cards with XXXX XXXX XXXX ( XXXX ) and XXXX  XXXX and another card on XX/XX/XXXX with XXXX XXXX. All the banks were called to report the fraud. XXXX halted the in-progress application and the other two  banks cancelled the accounts and initiated investigations. The investigations all found that these were fraudulent accounts, reported this to the three credit agencies and sent me letters stating such. Additionally on XX/XX/XXXX, I froze my accounts at all three credit bureaus, initiated fraud alerts with all of them and filed a police report. 

In XXXX, I checked my credit record with the three agencies and they had removed the accounts from my credit record but neither XXXX, Equifax nor XXXX removed the hard inquiries for the fraudulent accounts. On XXXX I disputed the inquiries with each of the three agencies. XXXX removed the inquiries and XXXX did not ( I am also submitting a complaint for them ). On XXXX, Equifax sent a letter stating they would not remove the inquiries because they are factual. I called Equifax to find out why it would not be removed and how to dispute it. They instructed me to send them copies of the letters from the credit cards and a letter stating I am requesting removal of the inquiries so on XX/XX/XXXX I mailed them the documentation. 

In mid-XXXX  I checked my credit record at Equifax and the hard inquiries were still on my record so I called them to discuss how to remove them. On XX/XX/XXXX, I instigated another dispute online with Equifax and on XX/XX/XXXX they closed the investigation stating again the inquiries are factual and would not be removed. On XX/XX/XXXX, I re-sent the credit card investigation findings letters, a letter demanding removal of the inquiries and this time a copy of the police report to Equifax. I am awaiting a response from them. 

I do not believe it should be this difficult to correct your credit record especially after the agencies are notified by the credit cards of the fraudulent activity. The mere reporting of the fraud by the credit card banks to the agencies should have resulted in the complete removal of all traces of the fraudulent activity. The fraudulent activity definitely should have been removed once I sent the investigation letters from the credit card banks. It is preposterous that Equifax has not removed this fraudulent activity at this point.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (FL)

Prosper said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from prosper stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that Proper 's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my XXXX credit report from Prosper and I want it removed immediately as Prosper lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the prosper agent never said that I was pre- approved for the loan. Kindly remove prosper hard inquiry from my credit report immediately.
Consumer complaint received 2019-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

im am writing in regards to transunion reporting inaccurate information on my credit report. i have no acknowledge of the XXXX XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA..failure to comply with this complaint will result in a lawsuit in smalll claims court.ive already contacted a consumer protection lawyer who will be dealing with XXXX XXXX
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (FL)

In XXXX, after Hurricane Irma, we were approved for a Disaster Loan Modification ; we continued with monthly payments. Few months after the modification, we called the bank to ask for the whereabouts of the modification funds, and we started receiving statements with threats of foreclosure. In XX/XX/XXXX, we sent packages with copies of the Disaster Loan Modification and payments made to Home Point and to the HUD   offices in Washington and XXXX. In XX/XX/XXXX, we submitted a claim to the CFPB ( Claim # XXXX ). Within 10 days, we received a letter from HUD determining that " Home Point Financial delayed in completing the Disaster Partial Claim option '', and that the credit would be corrected. We also sent the same package to the lawyers that initiated the foreclosure on the bank 's behalf. 

To this date, my credit report still displays over 150 days delinquency, and when we call the bank to request information about the reason why it hasn't been corrected, the bank representatives stated that there are no records or letters in our file. Not even the foreclosure! We decided to fix our credit ourselves but the credit bureaus are asking us for the letters from the bank with detailed explanation on the dates and reasoning for the reported delinquency. We can't find a person in that bank to provide us with this letter. We spoke with a supervisor in XX/XX/XXXX and provided him with the letters sent by the HUD and Home Point. No answer or call back.

They lied to the CFPB, to the HUD, and to us when they stated they would correct our credit by removing the delinquency that they generated.
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (MO)

The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) XXXX XXXX  {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) XXXX XXXX XXXX {$22000.00}
Consumer complaint received 2019-02-14
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. (VA)

My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 )  XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX  XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have reached out to you guys about some items on my credit that is not mine. There are still a whole lot of inquiries on my report that I don't know anything about and they still showing up and I have not touched my credit. Please remove these inquiries so I can move on with my life and help my family. I have contacted the FTC and the local police. XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX  | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I am adding up all my loans from both of my schools and I am requesting original loan documents and statements of balance since date of disbursement and they are not helping. Things are just not adding up. I don't if it is because I am better educate but I can not wrap my head around the fact I barrowed $ XXXX and had to repay $ XXXX at time of repayment.
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have XXXX XXXXXXXX garshment of my wages. They will give me credit on my credit report after almost having it paid off. Transunion will fix my credit report after dispute it XXXX something time. They it fixed right of course XXXX XXXX had a data breach in 2019.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Green Square Company LLC. (OH)

I have received several illegal robocalls, and well as illegal and false misleading, misrepresenting calls stating that I participated in some fraudulent activity concerning a financial institution. I contacted the company and they said they were under new name XXXX XXXX XXXX. I looked up the so-called new company I found nothing such company. I requested validation and was transferred to another rep. then another rep. I never got any direct answers or any website information or FAX or even a email. This company is not licensed to do business in the state of OHIO. They are using bait and switch tactics to get you to pay for an account that is unverified, as well as under dispute for Fraud. PRG has no regard for FDCPA Laws and this company needs to be Stopped PRG AKA XXXX XXXX XXXX!
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I recently made an overpayment on one of my loans, and specified that the overpayment be directed to my highest interest loan and not to advance my due date. However they processed the payment to advance my due date rather than billing me for my next full monthly payment. I noticed and am planning to pay off my loans in full to avoid any further difficulties. Their default was to advance my due date, which in effect makes it take longer to pay off my loans and allows them to charge me more interest over the long term. Moreover, this was despite the instructions that I explicitly gave them.
Consumer complaint received 2019-02-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through Dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/ which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Consumer complaint received 2023-07-22
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. (FL)

Booked {$130.00} for hotel XX/XX/XXXX for one night stay in XXXX, XXXX via XXXX. Upon checkin late night on XX/XX/XXXX, we came to discover the hotel was ambushed by rioting gangs who were harassing lobby guests through the windows. Hotel stated this was the XXXX night of riots and never notified, cancelled or rebooked to another hotel or facility. Upon arrival, the front door was kept locked and toweled at the bottom to prevent tear gas from coming, albeit unsuccessfully. Smoke was omnipresent in hallways and rooms, including our room. Leaving the hotel amidst riots was not a viable option. We asked the receptionist to turn the AC on so that we can vent some of the smell out : he told us he didn't know how to turn on the AC. Around XXXX XXXX in the morning, the fire alarm came on due to excessive smoke. All guests were evacuated down to the lobby. Fire alarm was deactivated without calling the fire department or checking the area of the hotel that triggered the fire alarm. If an actual fire happened later, we would have been burnt alive in our sleep, because the alarm system was kept off for the rest of the night. Hotel clearly chose revenue over safety during the week of the riots, and knowingly kept accepting reservations inside its toxic smoke-filled rooms. The following morning, the manager was sympathetic but relentless in giving up not even a penny of refund back.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid my balance in full on XX/XX/XXXX -- I selected pay balance in full and believed that I no longer owed any money on this account. I did not receive a statement in XXXX or XXXX, which I thought nothing about since the balance was paid. 

On XX/XX/XXXX I received a call from the collection agency stating my account was delinquent and past due. I questioned the balance and asked for the last purchase since my last payment. I was told I was billed a past due bill and the prior to that a past due bill. I explained that I paid my balance in full online and didn't understand. I was transferred several times and told my payment was due on XX/XX/XXXX and I paid XXXX which incurred a past due fee. I then explained that I had no idea and that I hadn't received a statement in XXXX or XXXX. If I had known I would have called immediately and paid -- I explained that I paid online and opted to pay my full balance. 

I also explained that I would not have allowed a bill to go past due if I had known about it. I asked them to look at my history and explained that this was clearly an error. The rep empathized and explained there was nothing she could do and that I could write in. 

Again I explained- does it make sense that I would pay {$3200.00} on a XXXX XXXX  credit card to then turn around get charged interest and past due fees on a past due fee. I told the rep I don't know why, but I did not receive the bill. She said her system shows it was sent so that proved they did their part.