davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

Re : loan XXXX XXXX XXXX XXXX Freedom Mortgage would not accept my XXXXXXXX XXXX policy which covered everything. Instead Freedom Mortgage chose XXXX, a company they have a business relationship with. I pay the premiums and the money goes to Freedom Mortgage. I have extensive damage to my home from hurricane Helene. XXXX I know will not cover everything. I could not afford XXXX as well as the house payment which was raised to cover XXXX. The back of the house is ready to collapse, I had to pay XXXX dollars for tree removal not to mention the damage to my personal property. In addition I have taped the phone conversation with XXXXXXXX XXXX XXXXXXXX who stated that XXXX had to by law pay for the tree removal and tarping of the roof. I have gotten word from Freedom Mortgage that they are raising my escrow payments because of the claim and the claim has not been paid yet. 
Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (NY)

I received a notification that a hard credit check was done in my name by XXXX  XXXX XXXX  and Experian confirmed that with me. My name but not my address.XXXX XXXX XXXX says no records of that but its on my credit report with Experian
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

I got the mail from Discover bank on XX/XX/2023 ( delivered by XXXX ), showing that someone changed my saving account email address on XX/XX/2023. I immediately checked my Discover saving account and found {$81000.00} has been transferred out as well as {$30.00} wire transfer fee. I directly called Discover dispute department and request the dispute. They said they need to investigate and no timeline can be provided. 

I was not aware of anything from the beginning, not sure how someone can change my email address and phone number in my account without notifying me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

One more and last attempt before I will be forced to sue Transunion. So, in my credit report there is a collection agency by the name of XXXXXXXX XXXX XXXX who are trying to collect a debt from me for renting an apartment in XXXX at an address where I have never lived and never rented. As evidence, the collection agency only has a handwritten contract without a SSN or some kind of ID they has only some immigration form ( all this evidence has no legal force, which was confirmed by the Arizona XXXX Attorney ). All credit bureaus have deleted and blocked this entry, since the collection agency can not legally confirm this debt, only Transunion for some reason was able to verify this debt, although before that it had deleted it three times citing the impossibility of confirming it. So, this is the last attempt that I am giving Transunion to remove a knowingly false entry in my credit report, the collection agency has no evidence that this debt belongs to me!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TX)

I opened a CD with US Bank with an opening balance of {$20000.00} in XX/XX/2023. I wanted to close the account because I am actively looking at homes and want the funds available to do what I need to do. The term was 19 months and while I understand that I am at fault for breaking the contract but I would never ever believe that a reputable bank like them would take money from my principal. I understand them taking back their interest payment but to take back all their interest payment plus nearly {$500.00} from my principal I believe it a a bit of an overkill and unethical business practice. They profited from my principal for 4 months and they still want to charge a usury fee this time is truly unfair and dishonest business practice by a bank. How can they get away with stealing from customers its almost loan sharking and I believe this is unacceptable behavior. Can you all please help me because this is not fair to customers and who can champion our cause and concerns if not CFPB.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2019 a dispute was made with XXXX, XXXX  and EXPERIAN in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, by XXXX  XXXX and Account # XXXX, Account # XXXX by XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit may noy treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

I was supposed to be buying an XXXX XXXX from this young woman on the XXXX XXXX XXXX. She explained that I had to send the money before she sent the phone. The phone cost {$200.00}. After she got the money, she blocked me on everything and basically scammed me. Ive literally sent CASH APP over 50 messages about getting a refund and I havent gotten a respond. Theyre supposed to take up to 24hrs to respond, its been 72hrs and I am fed up!!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Ive submitted the loan amount to XXXX several times and they refuse to fix it. They have my auto loan payment at XXXX but the credit limit XXXX. Ive requested them to fix and have submitted my payment information from the company several times with no success.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I signed up with XXXX, a debt solution company, to help settle multiple open end credit accounts in XXXX up thru this year, XXXX. I originally had an account with XXXX that was added to my program and somehow XXXX removed this from my list of accounts which they claimed was removed due to confusion from midland credit debt collection company having multiple accounts. I was made aware of the account not being in my XXXX  XXXX program because I received a court summons in the spring of XXXX. 

Once I received, I contacted clear one who was able to add the account to my program, in which I also added hundreds to thousands of dollars in order for the negotiations to be reached and a settlement agreed upon with midland credit agency. I was advised by clear one that I did not need to go to court and all items have been taken care off. 

XX/XX/XXXX, I received noticed that my program was complete and all debts settled. 

Fast forward to the end of XX/XX/XXXX, I received a copy of a request for garnishment of wages that was filed by midland credit attorneys on an account that was already had an agreed settlement. I promptly called clearone advantage who advised my to contact midland credit as I no longer had accounts open with them and advised midland credit agency should speak with me. I called midland credit who would not discuss my account due to my representation. Therefore, I contacted XXXX XXXX back, filed the complaint and asked them to reach out to them to have this stopped due to the previous PAID and SETTLED account. XXXX XXXX advised this could take up to 2 weeks and someone would contact me back.

I had to call clear one multiple times to get an update, the negotiations department does not take calls from customers, the management would not call me back and on XX/XX/XXXX, I received a notice from my employer that my wages would be garnished for 25 % of my paycheck which is more than what I owe. To this date, no one seems to care besides 1 agent, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX who continues to call me even though there has not been updates. Her management has not called per her and my request. Even though she is does not have the authority to help, she at least talks with me to ensure she continues to escalate and try to get someone to assist me.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I tried to make a final payment on a foreign transaction that was blocked by Capital One. 
I called the Fraud department as instructed and verified my existence in multiple ways including access codes on my phone via text, email responses, responses on their mobile app they pushed and even submitting a picture of my drivers license ( I also answered my name, address, DOB, SSN, etc accurately ). After being on the phone with their fraud department for about an hour and repeating the foreign transaction multiple times at their direction, we gave up on it ever going through. Please see attached file that shows how many attempts we tried together to get it to go through. Also, email messages from Capitalone saying " A foreign transaction has gone through '' when it really had not. 

A few hours later, I find out my card is completely blocked for any type of transactions. The latest call to the Fraud department is having to verify who I am via social security card and a proof of residency like a utility bill. I don't have a social security card at my house. It is in a locked security box at my bank. I offered my passport and they wouldn't take that as a valid ID. So I asked them to close my account. Which they couldn't do.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I believe that these collections are being reported in error due to [ insert reason here, such as : " these accounts have been paid, '' " these accounts do not belong to me, '' or the information is inaccurate '' ].
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX The account referenced above is completely inaccurate. There are multiple violations when you look at the payment history. How can you report two 30-day late payments and then a 90-day and then charge-off? That makes no sense. The malfeasance of these reporting agencies has become unchecked and they feel as though they can do whatever they want and think that they'll get away with it. Please do your best to rectify these mistakes or I will take legal action against these reporting agencies and sue them to no end. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my fourth attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hard inquiry - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I appreciate your prompt attention to this matter. 
Thank you. ''
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several days ago, I applied for a credit card with XXXX XXXX XXXX. They requested a credit check from Trans Union. Trans Union advised XXXX XXXX XXXX that credit reporting on my account was frozen ( at my request ). I immediately contacted Trans  Union and asked them to temporarily remove the credit report freeze. The computer screen informed me that this was done. A day later, I checked, and the credit freeze was still in place. I called Trans Union on XX/XX/19 and requested that the freeze be removed. The representative indicated that since my request came after business hours, I needed to call the " Special Handling Dept '' the following day. On XX/XX/19, I called the " Special Handling Dept '' and asked for their assistance to remove the credit freeze. Unfortunately, the " Special Handling Dept '' said that they could do nothing for me and suggested that I call the " Consumer Resolution Team ''. But when I asked to be transferred to this " Team '', I was informed by XXXX that they don't take calls, and that I can only leave my name and personal information as well as a time when they can call me back. I'm now waiting for that callback. 
My question is : Why does a consumer have to go through several days of " run around '' with Trans Union when they specifically mention that if one puts a " Credit Freeze '' on an account it can just as simply be removed ( permanently and temporarily ). If so, why am I being made to jump through hoops? Is it because I had reported Trans Union on an unrelated problem concerning unauthorized charges on services that they were charging me for and which I did not need? Why am I being " Black Listed ''?
Consumer complaint received 2019-11-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.