davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
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: Experian Information Solutions Inc. (MA)

I contacted Experian because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX services and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that Experian and the other credit bureaus XXXX and XXXX tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have 3 inquires on my credit report from Capital One, I only made 1 inquiry however, I also had a fraud account opened in my name once before for Capital One. The inquiry that I made was on XX/XX/XXXX but there are 2 other inquiries dated back to XX/XX/XXXX and XX/XX/XXXX. These inquires were not made by me and I would like for them to be removed.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX # XXXX is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be removed.
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (TX)

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (OH)

In XXXX I retained Freedom Debt Relief to help me with my credit card balances since I new I was going to be laid off in the near future after contacting them. I had 4 CC bills I wanted to settle, They told me for a set rate they can negotiate my debts and eventually get my credit cleared up. They gave me a name to a litigation service that works with them for an additional {$XXXX} per month but told me it was rare for that to happen. Last summer XXXX I was sued by a creditor in which I had to involve the litigation firm, then they told me I had to raise my payment over $ 250/month. They told me I just didn't have enough funds to pay this. Now a year later I just received another Summons and i am being sued by another creditor listed with them, that they did not settle and told me it was a small one and they needed to wait til the creditor was ready to negotiate. So again they tell me I don't have enough in the account they have for me to pay this. 
I feel they have done nothing but scam me on this. Prior to obtaining them I researched them online and saw good reviews. Apparently I didn't research enough!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Law Office of Anthony C. Onwuanibe (DC)

I bought property from XXXX XXXX in XX/XX/2010. The locks were changed on my property without any notice to go to Court. Attorney XXXX told the Attorney General that he would go through the correct process for Eviction and that never happened.
Consumer complaint received 2019-07-17
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. (FL)

I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I have a 1st mortgage with XXXX XXXX. The loan investor is XXXX XXXX. I have a 2nd mortgage with Navy Federal Credit Union. 

XXXX XXXX will only allow a total payment to Navy Federal Credit Union of $ XXXX as part of the short sale and Navy Fed is refusing to consider this amount. Navy Fed is demanding $ XXXX. 

I simply want this escalated to a department that can possibly override the collection dept. of Navy Fed to see if someone can reconsider the $ XXXX offer from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc. (KS)

Cash App : XX/XX/19, XX/XX/19, and XX/XX/19 Im very upset about cash app team that closed my account while I have the available balance that I need to get the money out for me to pay my bills and now im Stuck with no way to transfer or sent money to someone to withdraw money for me while card blocked. It need to be unblock the card and my options that they need to set up a live customer support for repairs and disputes and other like tech to use phone call and live chat. I been struggling to find a customer support to communicate more fester email take forever to reply and I havent got my questions answered by the team, they have no rights to ignore my situation. 

So now I need the card to be unblock it so I can use my debit card which Its not expired yet. I need to have card back on today for me to withdrawal money. 

Another reasons they should give us few days warnings before close the account so customers included myself will know and be prepare for next step to transfer or repairs for the accounts. 

All of prepaid companies need to do same and change the policy and have a customer service XXXX
Consumer complaint received 2019-07-17
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a collection on XXXX XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2019-07-17
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. (OK)

Transunion and XXXX  are both reporting 60 late payments on my student loans which is not correct information. I contacted both student loan company 3 times and Transunion and XXXX  they have not taken care of the issue even after I submitted the notice I received back in XX/XX/2016 on my student loan forbearance. From XX/XX/2016 until XX/XX/2016 over 14 accounts are showing up late and it’s hurting my credit profile. I’ve called both customer service, disputed online, and sent letters to both Transunion and XXXX. Credit report still shows no update to this problem.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC. (VA)

My employer ( a bank ) informed me of a Robinhood account under my name, which I was never aware of. I don't remember opening such an account and I have never received any correspondence from Robinhood about this account. I believe the account was falsely opened sometime in 2018.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I have had the worst experience with lakeview loan servicing. they took over our mortagage servicing in XX/XX/2019, I have always made my payment on time, however the XX/XX/XXXX payment although taken from my account and cleared XX/XX/2019 never made it to my account. I have had repeated phone conversations with them and for the first two months they claimed they did not have enough information. After doing research myself we found with assistance from my bank that the last four numbers of my account number had been transposed and it went to some other account. now I do not type in my account number when I pay my mortgage. and I do not ask anyone to draw the funds. So a third party was involved and we contacted them and they provided the proof of payment on the wrong account which I forwarded to lakeview. I thought that was problem solved. wrong to this dayXX/XX/2019 they payment has still not been credited and I have had bad reports to my credit and constant harassing automated phone calls from this company. my last contact was XX/XX/2019 and I insisted that I need to talk to a manager. His name is XXXX and he assured me that this problem was to be cleared up the very next day and that late charges would be refunded. logged in to pay my mortgage this month to the 30 day late notice again. they have been taking the current payment and crediting it to the previous month so I am always 30 days late even though they have already gotten the payment I XXXX. I do not know what else to do its like talking to the wind. I have had more than 20 phone calls and numerous emails for this problem to no avail.
Consumer complaint received 2019-07-16
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. (UT)

XXXX XXXX accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I received a letter dated XX/XX/19 from paypal credit c/o synchrony bank addressed to me states you have issued me a credit card i did not apply for. I called them and wanted the account canceled but unless i gave my social security number the operator refused to help me this is FRAUD on my name. I felt my name address date of birth should have been enough information for them to take my complaint. This credit card is already on my credit report as {$250.00} limit
Consumer complaint received 2019-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

My credit score is low, mainly due to my student loans. While I acknowledge that I attended three colleges and have a lot of student loan debt, I began looking closer into the loans I am paying on. Two of them are listed for a school I did not even attend. I have wondered for a long time why and how I ended up with such a high amount due. I am wondering why/how this could have happened? One of the loans is now for more than {$17000.00}! This one is dated to have been dispersed XX/XX/2005. The original amount was {$16000.00}. 

I have had other issues with my lenders too, such as different payment options being made available at different times and no mention of delinquent loans when I call in.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

XX/XX/2019, I called the ( XXXX ) XXXX XXXX number and ordered my credit report from all three credit reporting agencies, which included Equifax . received my report from XXXX and XXXX, but never received anything from Equifax. 

On XX/XX/2019, I called ( XXXX ) XXXX and ordered my credit report from Equifax once again, since I never received it ; to date still have not received it. I called cfpb for Equifax 's phone number, and was given ( XXXX ) XXXX, but that number only refers you back to the " XXXX '' number I previously call ; so I once again requested my report, but have no illusions about receiving it, given the past results.
Consumer complaint received 2019-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AR)

I am a customer of Wells Fargo bank. I have been scammed by a person named XXXX XXXX who is also a Wells Fargo bank customer because he sent me a XXXX request of {$450.00} on XX/XX/2019, and in the description of the money request, they put " XXXX XXXX ''. In my XXXX activity the scammer has requested 2 times {$900.00}, but were not satisfied. However ; I have never ordered anything online, neither a laptop. So the transaction was processed. I checked my emails the following day and saw my transaction report and immediately called Wells Fargo for Fraud alert since I did not make the transaction. Wells Fargo also denied my request and never refunded me anything. I sent them 3 mails. And they replied me with no change on the denials. They did even further investigate, like trying to reach out the Scammer.  I, in my side got the number of the ser through the XXXX report, called the number. The 1st time, it ringed, but no answer. The 2nd time, it was not going through. The person has shut off their phone. Here is the phone number of XXXX XXXX : XXXX. It is a Michigan code. So they might be from Michigan. After this incidence, XXXX had delivered to my address a box which was in which there was 100 piece of screws. The box weighted 2.30lbs on XXXX label. I still have the box here, and will send you photos and everything. 
Here is the detail on the box delivered by XXXX to my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan, XXXX Weight = 2.30lbs 183 12 x 6 The sender of box is XXXX XXXX XXXX who is totally different than the name on my XXXX transaction report. That person who toke the {$460.00} out of my checking account is XXXX XXXX. 2 persons involved in this case. It looks it is an group of scammers who are doing this. 
When I received that box, I realized that someone was smart and scamming me with a fake box. So, I immediately called Wells Fargo Fraud department to report that. Because for me, there is a correlation between my XXXX Scam and the box full of screws that I have received. 
After that I sent a letter to the bank, they responded again with a denial of refunding me my money. I am a XXXX Personnel, I will not tolerate to strive to serve the country and some scammers will be stilling my money in my bank account. The bank did not care. 

So, after investigation in my side, I realized that one of old friend has used my old computer and logged into my account and got scammed in a laptop purchase through " Let 's go app ''. The scammer used a fake identity and fake number using " XXXX XXXX '' to hide their phone number. However ; I got the exact phone number where my money went which is XXXX. 

So what I need is my money back from Wells Fargo bank since they have all the information of the sacammer who is XXXX XXXX, so that they can reach out them. 

Sincerely,
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (CO)

Target, XXXX XXXX. Target has sent many notices and phone calls. Have threatened me with a law suit. Have an attorney ( XXXX XXXX ). Want the threats stopped and notices stopped. XXXX is worse. 10-20 calls a day. 5-10 calls to my cell. Several notices a week. Again I have an attorney. XXXX XXXX.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NE)

I filed bankruptcy 7 years ago and experian and other creditors are giving me a bad report these are incorrect and it's giving me a low score I owe nothing but my mortgage and 2 credits complies which I have never been late on these creditors need to update my profile or I will contact OIG and fair Act Crediors.Experian and XXXX are giving me wrong times dates I owe nothing never been late ....
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I contacted XXXX, XXXX and experian to get inquires removed off my report that should not be there. After 3 months I have not received any changes on my report.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/2019, XXXX XXXX XXXX conducted an Equifax hard inquiry on my credit report without my consent. 

At this time, I was in the process of preparing for a move ( purchased a new home ) and their XXXX XXXX team ( alarm monitoring service ) conducted the inquiry as they were scheduling to relocate my existing alarm monitoring service. 

The call was recorded by XXXX XXXX XXXX and they were only supposed to check their internal payment history on my account. The recording will reveal that I told them I do not authorize a hard inquiry ( said this several times and had them define what they would be doing ). They insisted it was not a hard inquiry. 

I contacted Equifax and they can not purge the inquiry. 

I have contacted XXXX XXXX XXXX several times to reverse the inquiry and they have taken no action. 

XXXX XXXX XXXX should be fined for this fraudulent action and their resulting zero effort to resolve it. 

Help.