davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

PLEASE HELP!!! 

I have tried numerous times to reach out to both the so-called collection agency Sunrise Credit... as well as, all three credit bureaus ( XXXX, XXXX, and XXXX ) to remove this fraudulent debt from my XXXX credit reports. 

This unknown and erroneous debt has tremendously, unfairly, and wrongfully decreased my overall credit score!!!

I have yet to receive any signed/written proof, verification of what the debt actually is, nor lack there of, however, every time I see this debt reappear, which just arose a few months ago, the amount owed continues to fluctuate... go figure .... 

I simply can not afford for an erroneous debt and credit agency to ruin my credit and my livelihood.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NC)

XXXX  XXXX XXXX had reported a loan in XXXX for XXXX that was never encumbered by me nor did I have any knowledge of the mortgage. The loan was supposedly originated in XXXX the reporting was inaccurate and inconsistent. showing some months or years of no payment then some months no reporting at all. this lead to an illegal foreclosed home in XXXX even after the foreclosure in XXXX the foreclosure doesn't even reflect my credit now.
Consumer complaint received 2022-02-23
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I recently reiewed my credit report provided by your organization, and I am shocked to find several inconsistencies that are damaging my good name.. I expect this letter to promply resolve the pointed data which is reporting inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. 
Please review the following accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account : XXXX XXXX, XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX I am aware Section 609 requires you to have verifiable proof of this account belonging to me. Please send me a document with my signature otherwirse delete this account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 

XXXX XXXX
Consumer complaint received 2020-02-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank placed a 60-day hold on my account based on a disbursement I sought to my XXXX acct. Synchrony contends that my XXXX account was frozen which it is not. Bank also confused my information from a XX/XX/2004account I had with a bank Synchrony recently purchased. Bank is holding {$25000.00} of my money. which is disrupting my ability to pay my bills.
Consumer complaint received 2021-01-24
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 and XXXXXX/XX/XXXX are the same account and are not supposed to be on my report and its the same account but on the report 2 times ... That is illegal and is causing damage to my score. The accounts need to be removed. has been removed from My credit report FromXX/XX/XXXX after it found the account was not mine. XXXXXX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mines.XXXX suntrust credit cards has been removed from My credit report From XX/XX/XXXXafter it found the account was not mines.both cards XXXX and XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. XXXX XX/XX/XXXX has been removed from My credit report From XX/XX/XXXXafter it found the account was not mine. XXXXXX/XX/XXXX inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

syncb inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

regions inquiry has been removed from My credit report From XX/XX/XXXX after it found the account was not mine. 

XX/XX/XXXX have been removed from My credit report From XX/XX/XXXX after it found the account was not mine.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX  again # 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 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (CA)

Citi Double Cash credit card changed their benefits on XX/XX/2019, but the information was tucked as a part of the XX/XX/2019 statement, not like an update e-mail before, thus I missed the information that they no longer offered Collision Waiver for a rental car. 

We rented a car in XX/XX/2019 from XXXX and they charged us for the damage weeks after. Citibank did not respond our numerous phone calls and a letter, and we finally got their response after we filed a claim with XXXX XXXX XXXX and Consumer Financial Protection Bureau. 

They declined to credit back for the rental car damage, and reported to three credit bureaus to add " disputed by the consumer '' to our credit profile, even though we PAID all the charges on their statement IN FULL.
Consumer complaint received 2021-01-25
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. (VA)

XXXX and Equifax are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!
Consumer complaint received 2024-10-01
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. (CA)

This letter serves as my final demand for immediate action regarding unresolved disputes related to inaccurate and unverified items on my credit report. Despite my multiple attempts to correct these errors, your failure to conduct a proper investigation and remove these items from my report is a clear violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable, and I insist on prompt rectification.
Consumer complaint received 2020-02-28
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. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2020-02-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (FL)

I received a letter from a debt collector, UNIFIN. I tried 3 separate times to solve a debt with them. I spoke to the 1st agent and gave them the reference # XXXX, I could not afford the payment options they offered, but the letter did state that if I contacted them they would try to work with me. I was offered to settle the debt for XXXX for {$1000.00}. Which I could afford, instead of the {$1400.00}. They took that money and applied it to another debt that I was not even aware of and does not appear on my credit report. I feel that this is fraud. I was promised a email receipt and never received one. My payment was on XX/XX/2020. I called on XXXX XXXX to complain that nothing had been reported to the credit bureaus yet and found out from another agent that there was not payment made for that account. It had been applied to a credit card account. I was shocked. I asked to have this money applied to the original debt as arranged, but I was refused. I asked for a manager. I spoke to a person by the name of XXXX and was told that they could give me a refund of the money and that was all. I was to receive it within 3-5 business days. It never came. I contacted them again on XX/XX/2020. Again I was told the same thing I would have to wait 3-5 days for a refund and I was given another apology. I do not trust this company to come through with their promise of a refund. I really need your help. All I wanted to do was settle a debt. Now I am out my money and still have a bad mark on my credit.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX of {$350.00} to open checking account with direct deposit. I fulfilled requirements XX/XX/XXXX and called bank XX/XX/XXXX and XX/XX/XXXX. They have no record and are researching it and insist its {$300.00}. I went to a physical bofa branch, XXXX XXXX XXXX with the promo and it was {$300.00} in bank, {$350.00} online. That's what I did, online. Bofa is a lying money grubbing company.
Consumer complaint received 2020-02-28
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)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Good afternoon. We're reaching out to you in the hopes that you will assist us with reinstating our loan with PennyMac Loan Servicing. 

We fell behind on our mortgage payments due to Medical hardship and are currently eight months behind. We decided to withdraw the reinstatement amount from our 401k a month ago and requested the reinstatement figures from PennyMac and their representatives XXXX XXXX on XX/XX/XXXX Wihout those numbers, XXXX XXXX XXXX will not release any funds. We finally received the payoff quote yesterday, the XXXX and we've been trying all day today to obtain account and routing number information from PennyMac, in order to make this payment. 

So far, we've called four times and have spent a total of almost two hours on hold. We've also called their representatives XXXX XXXX and been put on hold, only to be listening to the same music as the music that PennyMac has. It's clear that these two organizations are under each other 's umbrellas and are working in coordination to make it as difficult as possible for us to reinstate our loan. 

This is an emergency and a very urgent matter - our sale date is XX/XX/XXXX, worse than that - the payoff quote that they provided is only good through the end of XXXX. Please reach out to me at your earliest convenience. 

Thank you!
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

i have tried to get a credit card or a loan from a bank and for some reason my credit can not be pulled by this Equifax. when I even call them sometimes they wont even talk to me because on person may have put through the wrong information or the other one I talk to does and can some what talk to me. I have spent on the phone more than 3 hours at one time and then 2 with someone else. it has been wholly XXXX for me not to mention the bans that have turned me down because they get nothing when they pull it. I can not even pull it when I go on line and try. it is so unfair. my other two bureaus I can pull. I also requested for early release of 3 months before my bankruptcy because will be 10 years and they will not reply. but the other credit bureau has replied.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (MI)

I am XXXX XXXX XXXX and I have sent XXXX AND XXXX a request letter to remove NEW RES-SHELLPOINT MTG with the account number XXXX from being furnished on my credit report. This account is outrageous and inaccurate. 30 days have passed since I sent and I was not able to receive any changes nor respond from the Bureaus and even the Furnisher. Under FCRA, report results to the consumer, must be within 30 days and failure to do so should be considered a deletion.
Consumer complaint received 2022-02-23
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. (CA)

Transunion has been discriminating against me for at least the last 3 month that I could remember. Maybe more I just now catching on. There is alot of incorrect information on my credit report. Wrong address fraud incorrectly showing accounts still open. Problem with credit reporting company 's investigation into an existing problems. Improper use of my report. I'm unable to get a credit report and credit score from Transunion. Credit monitoring and identity theft protection issues. All sorts of different types of issues with this company including f problems with fraud and security freezes. I call them because I've been kick out my own account. I'm left on hold way to long I'd call from another line and Transunion has picked up that other line not knowing who I am b4 the line still on hold. They pretend that they have a deep weird accent not knowing half of what they are saying with noises in the background like If they have the TV loudly. I'll ask them to identify themselves with there worker I'd and they refuse to answer all I hear over the phone is louder noises from the TV in the background and who ever that is on the other line saying HELLO. repeatly HELLO over and over and over again but we were just chatting right before I adked for there identity and numerous times I've been hung up on or they will ask me right before they switch me to the correct department for my contact information in case we get disconnected and they'll lose the call, and do not return the calls.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I deposited {$13000.00} into my checking account and teller said no hold on funds. Next morning I get an email that says the funds are on a 10 day hold. I have tried to see if the checks were cashed and see if Bank of America was just being irresponsible. This is an excessive hold in a digital world. I feel Bank of America is putting a hold on my 2 checks totaling {$13000.00} just because they can. We have no recourse but to wait. When I call the bank I ask how this can be avoided in the future and I get no advice.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2020-02-28
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. (GA)

I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. I have contacted the FTC and the police.
Consumer complaint received 2020-02-28
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. (AR)

I was told by my ban lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. They do not belong to me and I have never applied for those accounts reflecting on my report.