davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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. (SC)

To make a long story short, I thought someone stole my identity so i placed a fraud/freeze alert on my experian. I then receive the freeze letter in the mail and also another letter saying that ive been removed from .... i forgot what it was officially called, basically credit cards/loan company 's cant pull my report for the next five years. Here are the problems. First off, lets say i want to unfreeze my credit report a few months from now ( im not saying i do, im just using that as an example! ) could i even apply to a credit card for the next five years? The 5 year thing confused me a bit. Is it just for when the credit freeze is in place? Could i have some extra details about that because tbh it seems a lot like i placed a freeze to help prevent my credit from being screwed over and then experian themselves XXXX me over. The main reason why im reaching out is because experian has been sending me emails ( marketing emails, i think ) about credit cards that im matched to, that im qualifed for. its more than just a one time thing as well. I've received at least a dozen from experian since placing the freeze. Im not sure what experian thinks but to me thats extremely concerning, Why is that happening when experian themselves said it wouldnt happen? Is someone else applying for those cards? Does someone else have access to my experian account? ( the online account or even the experian account itself, like the one you look at! ) Theres alot of different ways that i can look at this but all i know for a fact are these 3 things. 1 : Even under the best circumstances, it just being someone at experian doing some type of typo or something like that, thats still really bad because they still arent suppossed to be doing that. Whats the point of the credit freeze if it apparently doesnt freeze? I guess experian doesnt care about identity theft. Come on, you cant blame me for thinking that way when it seems to be that way! 2 : Experian better get to the bottom of this and BE HONEST while doing it because if i find out experian screwed something up and then lied about it as well, I swear on my grave experian will be 100 % liable for any damages that might arise from that. 3 : If there is anything that screwed me over because of experians mistake, That will be an extremely bad day for experian in court. Please dont misunderstand me here, I dont want to take experian to court, im simply being honest, If experian XXXX  something up, then can you really blame me for thinking that way? Whats going on!!?
Consumer complaint received 2019-02-21
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. (TX)

On XX/XX/19 I pulled my credit report from XXXX XXXX to discover I have a " mixed file ''. There is another person listed under the Equifax part of my report, along with inquiries and loans which do not belong to me. I attempted to resolve this through Equifax, but since I have a mixed file, they can not verify any of my information or allow me to file a dispute. 

*I attached a copy of the credit report, and everything on it does not belong to me. I also attached a copy of the personal information reported under Equifax, which is not mine.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TransUnion continues to lower my score from XXXX to now XXXX and I have paid all creditors off and or timely the last year. I have now new collections and a mortgage farmed my mortgage out to XXXX companies last year whic didn't do soft rather hard pulls which was detrimental as well. 
They dropped me XXXX points due to my XXXX at 50 % available yet I pay the card off monthly in being cycles.
Consumer complaint received 2017-06-05
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: Experian Information Solutions Inc. (IL)

Accounts were opened fraudulently. The following accounts still remain on Experian &  XXXX .   XXXX   XXXX   XXXX  , opened XX/XX/XXXX  &   XXXX   XXXX   XXXX   {$590.00}, opened XX/XX/XXXX . The exact same accounts was on   XXXX   however  XXXX  was able to remove the accounts. All  XXXX  bureaus were sent the exact same information to fix the dispute.
Consumer complaint received 2017-06-05
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. (NV)

on or  XXXX   XXXX   XXXX   XXXX , transunion and  XXXX  took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Consumer complaint received 2017-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (PA)

Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...
Consumer complaint received 2017-06-05
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. (TX)

In  XX/XX/XXXX I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XX/XX/XXXX that 2 additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  one  of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
Consumer complaint received 2017-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is  unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (CA)

XXXX card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Consumer complaint received 2017-09-05
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. (NJ)

I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE TO!!
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed my credit.
Consumer complaint received 2017-09-03
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: Bread Financial Holdings, Inc. (AK)

Hello, My wife and I are in the process of trying to purchase a home. I noticed a few inquiries that I did not Authorize. On XX/XX/XXXX I sent via certified mail a letter asking the below companies to investigate the inquiries and provide proof of my authorization. They were unable to provide proof, however did not remove previously mentioned inquiries. 

XXXX XXXX XXXX XXXX ( XXXX ) - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Comenity Capital - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX - Inquiry on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AK XXXX I received a phone call and a letter from XXXX XXXX saying that they did not have any written authorization, that I spoke to them over the phone. I asked them to send me a recording of the call then because I did NOT authorize them to run my credit. The man I spoke with told me that they did not need authorization and to " XXXX XXXX ''.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovate Managed Holdings, LLC (GA)

XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (AL)

Kay Jewelers reflects I opened an account o n  XX/XX/XXXX  which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in  XX/XX/XXXX ,  XX/XX/XXXX and  XX/XX/XXXX . Kay Jewelers which parent com pany is  Sterling Jewelry  have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their credit report.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Roundpoint Mortgage Servicing ( NMLS ID XXXX ) refuses to apply my payments as directed. <P/>They took over my loan XXXX XXXX of 2017, and after a very slow process to get my loan on-line, I have been attempting to make payments. <P/>Due to their ridiculously slow processing, I made initial principle payment prior to any statement. On my check I stated it was a principal payment. <P/>Since XX/XX/XXXX, I have used their supplied statement to designate how I wish for the funds to be applied. I would include mortgage payment plus additional principle. <P/>When I went to check my account, I found that they had not followed directions at any point during the process. The principal payment was assigned to monthly mortgage payments and the monthly payments were assigned as principal. Evidently, they failed to read any payment slip and just deposited the funds however they wished. <P/>I called numerous times, but was never assisted. I finally, sent an e-mail to their assigned ombudsman in XX/XX/XXXX. The ombudsman corrected the original errors to some degree, but now I find that they have misapplied my funds again for XX/XX/XXXX. <P/>I have contacted the ombudsman again on XX/XX/XXXX, but have not received a response. <P/>Their failure to follow instructions is adversely affecting my credit rating.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
<P/>
These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
<P/>
XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
<P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/> These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my Equifax and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/> XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my Equifax report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.