davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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)

I have written numerous letters and disputed the Inquiries on my Trans Union Credit file. All to no avail. No matter what I do there has been no change to my credit report. Only XXXX  did a full investigation and removed these unwarranted inquiries from my credit file. Therefore, I am contacting you with hopes that Trans Union will do their appointed duty and remove unauthorized information from my credit file. These are the unauthorized Inquiries listed on my file. 1 ). XXXX XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XXXX XX/XX/XXXX, 3 ). XXXX XXXX XX/XX/XXXX, 4 ). XXXX XXXX XXXX XX/XX/XXXX, 5 ). XXXX XXXX XX/XX/XXXX, 6 ). XXXX XXXX XXXX. XX/XX/XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX, 8 ). XXXX, XXXX XX/XX/XXXX. I state under the penalty of perjury that I did not authorize any of the aforementioned companies too inquire into my credit report ( s ).
Consumer complaint received 2021-07-05
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. (NC)

I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I contacted this company about a debt from a " loan '' that they say I owe. I am a federally protected consumer and they have violated my consumer protection rights. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). They have violated several laws Truth in Lending & FDCPA. All of the laws that they are in violation of are listed in my attached letter. I demand that they XXXX  out the balance and remove all negative remarks to this account and also contact ALL of the consumer reporting agencies that they have this account reporting to and have them delete the account. I also never gave this company permission to send my information to any consumer reporting agency which is another violation.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-04
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-04
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)

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. XXXX
Consumer complaint received 2024-10-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX breach and XXXX XXXXXXXX XXXX breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2021-07-04
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. (GA)

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX  XXXX  3. XXXX  4. XXXX
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX XXXXXXXX XXXX reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.
Consumer complaint received 2021-07-04
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. (NC)

I recently submitted a complaint because fraud inquires and an account was being reported on my credit report. The information included on the report has not been deleted. Please delete the inquiry for XXXX XXXX, XXXX XXXX & this XXXX XXXX.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Since XXXX XXXX, just when the pandemic was about to start, i have been trying to get direct expreess bank attencion, someone use my debit card use more than XXXX dlls, and direct exprees have been not listen to me, the just treat me as I do not exist, when i have talk to them, they say we will call u today, or next week, finaly promesa to review, and updated me in 10 days, is over a monthr during the pandemic i wait over 40 min over and over they always hang up on me.
Consumer complaint received 2024-10-18
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. (NV)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late payments Ive attached the copy of my report to this complaint on the following dates XXXX XXXXXXXX XXXX Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2021-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Mortgage through LOANCARE We were in forbearance due to COVID, and approved for a modification as per the paperwork that was sent to us dated XX/XX/XXXX. Our new payment was to begin on XX/XX/XXXX with a modified loan amount which included the missed payments and new lower interest rate. Mailed back 2 signed and notarized copies as requested, and they were received by LOANCARE on XX/XX/XXXX. On XX/XX/XXXX there was an update in our online account that showed they documents were received. On XX/XX/XXXX there was an update to our account that stated our Mod changes were completed. THEY WERE NOT. Spoke with LOANCARE on XX/XX/XXXX to state that our account has not yet been updated even though it says our modification paperwork has been received and updated. XXXX stated to give it more time and to make my payment for XX/XX/XXXX as agreed {$1600.00}. Emails that have gone unanswered were sent XXXX, XXXX, XXXX and XX/XX/XXXX. Spoke with LOANCARE, XXXX, on XX/XX/XXXX and again was advised to give it more time, that the paperwork was in recording. Now all the information that was in our online account regarding the received documents has been removed, I do have screenshots. Meanwhile, automated calls are received daily from LOANCARE asking for us to call them back, we are being reported to credit bureaus as being late and I am no longer able to make online payments. Its almost impossible to get anyone on the phone. We are getting pre-forclosure letters from FHA and LOANCARE.
Consumer complaint received 2021-07-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

This company sent our funds from our home sale to a scam email. They did not contact us in anyway to confirm a bogus email that they received instructing them to send the funds to a random bank account. The escrow company sent our funds to the scam bank account and so far the scammers have been arrested and the bank still has not come through with payment to us. its been 2 1/2 years.
Consumer complaint received 2024-10-18
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. (SC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pittenger Law Group, LLC. (MO)

Pettinger Law Group, llc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX ( all ) Debt collection agency-attorney 's representing XXXX XXXX XXXX. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962. 
In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.
Consumer complaint received 2021-07-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

on XX/XX/XXXX I was a victim of an armed robbery In XXXX XXXX My wallet and my phone were taken from me. The police were called but did not show up and I got on the plane to fly home, the credit cards were used and all but Bank of America credited the charges back. They sent me a letter because the chip was verified I was responsible It a total of 6 charges for {$860.00}. 
I even sent them a copy of my airline ticket that shows I was in Nebraska when the cards were used and they still denied my claim
Consumer complaint received 2021-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

This debt collector no longer has the account. When I went to the website it says I owe XXXX dollars. When I contacted them about it they informed me they no longer had the debt. I asked them to remove the account and they said they wouldnt.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NM)

HAVE XXXX CREDIT CARD WITH WELLS FARGO SENT THEM NUMURIOUS FINANCIAL INSTRUMENTS,1099C AND 1099A TO SET THE CARDS OFF, THEY KEPT THE FINANCIAL INSTRUMENTS AND KEPT CALLING EVERYDAY FOR PAYMENT CEO NEVER SET THE ACCOUNT OFF REQUESTED FOR THE FINANCIAL INSTRUMENTS BACK THEY NEVER SENT THEM THEY CALL EVERYDAY TELLING ME IM IN DEFAULT.THEY CLOSED MY CARDS DOWN AND CONSTANTLY SENDING LETTERS FOR PAYMENT, THEY HAVE NUMURIOUS OF FINANCIAL INSTRUMENTS AND WILL NOT SET OFF THE ACCOUNT. 

# XXXX # XXXX # XXXX
Consumer complaint received 2021-07-03
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. (NY)

I spoke with several Transunion representatives explaining that the inquiries that are listed are a result of my car being broken into & my information was stolen. I have attached the ID theft report they requested to have these removed.
Consumer complaint received 2024-10-17
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. (PR)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2021-07-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I contacted Transunion XXXX and XXXX to dispute inaccuracies that I noticed in my credit report. The Credit Bureaus are reporting inaccurate information on my credit profile and today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Consumer complaint received 2021-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.
Consumer complaint received 2021-07-04
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: CITIBANK, N.A. (FL)

I applied for a personal loan in Citibank on XX/XX/2021. A few days later Citibank told me they couldn't approve my loan because I have an active fraud alert in XXXX report, so I need to call them and have them remove the fraud alert. I called the XXXX and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called Citibank back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back XXXX and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back Citibank again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither Citibank nor XXXX were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional Citibank inquiries to be removed from my XXXX  credit report.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I mailed a certified letter to Experian requesting that they update spelling of my name and correct my address on file. The post office tracking number shows that the letter was received on XX/XX/2021 by Experian. They never responded to my request.
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have sent out a letter to Capital One concerning my credit report. Due to suspicious activity on my credit report. I simply asked Capital One to validate and verify the information with ACCOUNT NUMBER : XXXX AMOUNT:XXXX  and ACCOUNT NUMBER : XXXX AMOUNT : XXXX, that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C. (KS)

The State of Kansas recently referred a state tax bill to XXXX XXXX XXXX for a state tax bill. The State of Kansas did not attempt to contact me prior to referring this issue to an attorney, which has added collection fees to the debt owed. I have been making monthly payments against the debt for nearly a year. 

Additionally, the State of Kansas is charging me a {$240.00} collection fee for {$0.00} of taxes owed for the year 2018. The total taxes owed to the state ( which are in dispute ) are {$950.00}, and the collection fees total {$720.00}. This nearly doubles the amount of debt owed.
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.
Consumer complaint received 2021-07-05
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: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.