davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

I had unexpected XXXX XXXX, 2019 and fell behind on payments when I realized that XXXX payments are erratic. I applied for assistance with Midland Mortgage, and after months of back and forth, I was told that I did not make enough. I returned to work in XXXX of 2019, and reached out to XXXX, and was instructed to reapply using my income, which is {$91000.00}, and that I could also include the money that was given to me monthly by my sister. XXXX, which was an additional {$400.00} a month. In was again told by Midland I did not make enough money. I was told I could appeal and use my pension which I did to day.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/XXXX and XXXX I sent payments totaling {$380.00} and was scammed. I never received the items or a tracking number and the merchant never responded to anymore texts when I kept inquiring. I attempted to contact Cash App support on numerous occasions but the only options they gave were to request a refund from the merchant. Which I did, they clearly scammed me and common sense they would not return the money. I disputed the transactions with my bank but XXXX XXXX/cash app refused to return the money to the bank. I have text messages and proof that the money was sent for goods that werent received or ever sent out. Cash app support is by email only and when they finally did respond they said they cant help with fraud even though the terms and policies on their website says otherwise. They never tried to investigate this fraud. Even though in order to open a cash app account social security numbers must be provided they are allowing thousands of customers to be scammed and providing no customer protections. This is the SECOND complaint from me. The first complaint was closed after this incompetent company responded to my complaint with another customers response letter. With her personal information and address and everything! Now shes compromised. Forcing me to have to open this second complaint because that incorrect response closed my initial complaint. ( I attached a picture of the letter they sent as a response to the first complaint with all of this womans information. )
Consumer complaint received 2020-05-22
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. (TN)

i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CO)

On Saturday, XX/XX/XXXX I provided computer service to a personal friend in person - the service ( aka, the 'goods ' ) were provided locally and at the immediate time, with said friend willing to substantiate my claim further. 

A verbal agreement for payment was reached and I sent my friend a money request on Paypal shortly thereafter. 

Upon receiving the request, my friend promptly paid the agreed amount. Instead of receiving my money, I come to learn that Paypal has placed a hold on my funds for up to 21 days. 

I contacted Paypal the next day, just to be told that despite there being no physical goods to ship and the service having already been delivered, that I would be forced to wait potentially up to 21 days for access to MY earnings and to simply 'send through family/friends ' next time. 

Not once was it made clear that requesting payment for a service would result in a seemingly mandatory hold.
Consumer complaint received 2020-05-22
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 had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.
Consumer complaint received 2020-05-20
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.
Consumer complaint received 2020-05-22
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. (TN)

SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

My identity was stolen and used to obtain services. I cleared the fraud with the company but the information is back on my credit report with 1 ) the name and address on XXXX XXXX used to steal services and 2 ) the collection companies, which worked for XXXX XXXX and were marked as fraud by the companies, are back on my credit report. 

I contacted Experian and the fraudulent information was only off my record for about 3 weeks. The next time I checked the identity and collection information was on the report again.
Consumer complaint received 2018-04-16
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: LEXISNEXIS (MI)

I contacted LexisNexis on XX/XX/XXXX asking them to send me proof of information they are reporting on my credit report. I sent them a copy of the letter I received from the Clerk of Superior Court stating they do not provide information to any Credit reporting Agencies and also proof that the debt was paid in full. I have not heard back from them as of yet and today isXX/XX/XXXX which is longer than 30 days allowed by law.
Consumer complaint received 2020-05-21
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: Navient Solutions, LLC. (GA)

Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was  drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score.  Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( Navient ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (PA)

According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, BRIDGECREST, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. BRIDGECREST DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (GA)

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have sent disputes to Equifax and the agency failed to investigate any items contained in any of my disputes. In fact, the agency told me I didn't have a credit file and refused to investigate any items I requested them to investigate.
Consumer complaint received 2020-05-15
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. (MS)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621
. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-21
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. (CA)

I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT, THE CHARGES ON THE WELLS FARGO CARD ARE NOT MINE. I HAVE NEVER REQUESTED THIS CARD, I HAVE NEVER RECEIVED THE CARD THE CARD IS FRAUDULENT.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One placed our account -- which has been in exceptional status, very rarely carrying a balance past a payment date -- into what they called " Restricted Status ''. 

When we called to attempt to determine the cause, they were unable to describe WHY they had done this. They proceeded to ask for highly sensitive personal information over the phone. We reluctantly obliged and then they asked us to send a photo of the back of our driver license for " proof of identification ''. These are EXTREME measures and we will not comply. 

They are polite, but remarkably unhelpful and they seem to be having an impact on our other financial institution interactions. We were unable to open a new savings account with another bank and it appears that this one account may be at cause. 

They will not remove the account from " Restricted Status '' without the highly personal data and we can not close the account unless that status is changed.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX XXXX XXXX XXXX student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, TransUnion, and XXXX  and XXXX, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 XXXX 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  CST CU 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 N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX