davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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 noticed 14 student loans and 7 inquiries on my Experian credit report that does not belong to me : U S Dept of ED XXXX XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX  ... XXXX Date the account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED XXXX XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XXXX XXXX XXXX XXXX XXXX Date thXXXX Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX XXXX XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED /XX/XX/XXXX / XXXX XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX/ XXXX  XXXX XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXX / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX U S Dept of ED / XX/XX/XXXXL / XXXX  ... XXXX Date the Account was opened XX/XX/XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX.. Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXXXXXX.. XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX. Unauthorized Inquiry ... XX/XX/XXXX Experian XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

I, XXXX XXXX, was sent a bill from Rent Recovery Solutions stating I owe {$4200.00} concerning XXXX XXXX XXXX. The matter at hand states I was a resident of this apartment complex, which implies that I signed a lease agreement and would be responsible for such debt. In good conscience I have never signed a lease agreement with XXXX XXXX XXXX. I have requested documentation of such agreement without successful response. I was told per management of XXXX XXXX to file : '' identity theft report and that this conversation is done and we can not help you any further ''. I simply asked for the lease agreement to provide documentation concerning this debt. I feel that I am at a loss in this situation given I have no legal attachment to this residency.
Consumer complaint received 2021-02-16
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2022-02-07
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)

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 filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-14
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. (PA)

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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I found out from XXXX that my account was one of those breached. I immediately completed online security freezes with no problem at XXXX and XXXX credit bureaus, but have tried XXXX times to do so at Experian over XXXX. I get an error every time that says they are unable to honor my request. I have verified that all the information I entered is correct. I have not moved in 17 years and have changed NO personal information. I see that there are numerous complaints from other consumers online stating that Experian online security freeze does not work. They have a ridiculous request for additional documents to be mailed to them! I also tried their link to upload documents electronically ... that does n't work either! Time is of the essence. I have tried to contact they by phone and can not get a person to talk to, just one automated loop.
Consumer complaint received 2022-02-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (NY)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2022-02-13
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)

I have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on Equifax XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated once on Equifax
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A. (WI)

Lvnv funding vis XXXX and XXXX sent me paper that i asked to validate debt XX/XX/2022 ... liars... they also sent me someone elses private information, what they owed, how they got judgement, kind of like a threat to me, plus why are they sending me something about another persons privacy matter, very wrong...
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 XXXX $ Was taken out of my account in XXXX XXXX XXXX I dont know when it happened because usually when I withdraw over XXXX from Wells Fargo ATM they would send me a text to confirm it was me every time but this time they didnt send me one so I notice when I wake up the next day on my mobile app then called them immediately they said they would resolve it within 10 days I received a letter on XX/XX/22 saying that they found the transaction was made by me or someone with my permission and that the claimed is closed
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (IL)

The website XXXX offers free credit reports every week from XXXX, Experian and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (AL)

This is in regards to the Equifax security breach. I have been given today 's date as an enrollment date for their monitoring service, but after thinking it over : that is n't good enough. I no longer trust them with my information. It was improperly protected by a company that should know better. 

With news out that executives sold stock before announcing this information publicly, it appears they did know better ; they knew how to benefit off treating the information they hold with cavalier indifference. As long as those stocks pay off. 

Now, those affected have to pay. Pay for monitoring. Pay for freezes. Pay for alerts. Police reports. Pay for unfreezing should you need credit. Not to mention the time it takes. XXXX, relatives/parents that need help? More time. More money. And what of the XXXX, Equifax? Thank you for making the grieving people of this country have to round up the info of their loved ones XXXX more time, to walk those lonely steps to secure accounts that should never have been exposed. 

And no one knows what will happen with this information. What is happening, already.
Consumer complaint received 2017-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center (NJ)

Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NY)

I was subject of a " bait and switch '' by PNC Bank Mortgage Specialist XXXX XXXX. Specifically, I was promised a rate by XXXX XXXX which I locked, they pulled credit on, I moved money to a PNC account, etc. In a later email, the PNC Bank Mortgage Specialist XXXX XXXX confirmed I was locked on the rate I wanted. Shortly before closing however, I was told this rate was no longer available. 

I believe I was intentionally misled by PNC to start a mortgage process based on a rate which was never actually " real '', as they hoped I would go through the process anyway. This hurt my credit score, cost me time, and cost me interest on money I borrowed to move to my PNC account ( which was necessary to get the rate I was originally promised.
Consumer complaint received 2022-02-06
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 XX/XX/XXXX placed my credit score at XXXX. 

On XX/XX/XXXX Equifax placed my credit score at XXXX I inquired with Equifax about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

Equifax is only showing a 12 point drop since XX/XX/XXXX. 

There has not been any changes in credit status negative that would have impact on such a derogatory factor
Consumer complaint received 2017-08-18
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: I.C. System, Inc. (LA)

SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

My mortgage was transferred to Mr. Cooper from XXXX XXXX  effective XX/XX/2022. I made an electronic payment for {$1400.00} through my bank to Mr. Cooper on this date, yet Mr. Cooper claims they did not receive it. 
I alerted my bank on XX/XX/2022, and they opened a case with Mr. Cooper since they have proof of payment. I also emailed Mr. Cooper about this, using the address the Mr. Cooper rep gave to me on XX/XX/XXXX, when the bank, Mr. Cooper, and I were on a three-way call to try to resolve this issue.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I am receiving unsolicited offers in the mail from Citi Bank. I have attempted to resolve this multiple times by opting out of paper statements, adjusting my marketing preferences, and reaching out to their privacy contact line. 

I have registered to opt out of all offers, but they continue to send me mailers. I am exhausted dealing with this creditor and their blatant disregard for my data privacy and communication preferences.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I learned that Synchrony Bank closed my XXXX XXXX XXXX and Amazon Credit card sometime in 2022 without my knowledge or without sending me written or electronic notification. I would not have found out about the account closures unless I had applied for a mortgage in which the lender brought it to my knowledge that these accounts were showing " closes '' with past due balances. 

I called Synchrony Bank and they told me they closed my XXXX XXXX because I had a returned payment in XX/XX/2022. They were not able to inform my as to why they closed my Amazon card. They told me that I could request to have my account re-opened but it would take 30 days to review the request and to please call back in XX/XX/2022. 

I do not have any documents to submit for my complaint as Synchrony Bank has not formally notified me that my accounts are closed - However I can not use my cards even with the available credit on the cards as they are deemed closed. 

I have read that similar situations have happened to numerous other Synchrony Bank cardholders. 

Closing an account without notifying the account holder is alarming and not professional. Please investigate the actions of Synchrony Bank. 

Thank you in advance.