davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Ive sent two dispute letters to investigate inquiries that are unauthorized to remove them or provide proof with my signature that I requested credit from these alleged creditors. Its been over 60 days and nothing has been removed nor have I received proof
Consumer complaint received 2021-08-02
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)

Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Texas who told me I COULD file an appeal pertaining to Bank of America 's flawed determination resulting from a {$50.00} charge. 
On XX/XX/2021 I spoke with a Bank of America representative by the name of " XXXX '' in Arizona and told I COULD NOT file an appeal regarding the same flawed determination. 
This is in fact an unethical business practice to lie to customers.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-02
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. (AZ)

I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.
Consumer complaint received 2021-08-02
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. (NY)

Experian dropped my score 10 points for ONE single inquiry! They are discriminating against me because I have complained that they are NOT reporting correctly! My {$5000.00} account since XXXX  XXXX XXXX is NOT being reported and now they have the audacity to drop my score 10 points for 1 inquiry! I know that a inquiry is 3 POINTS! NOT 10! I want a supervisor to look at my account as whomever is screwing around with my credit needs to be fired! I also called experian the other day and someone in another country asking for my social security number! How dare them! My payment history is IMMACULATE! For years! Supervisor ASAP!
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery, Inc. (IN)

I have filed a FTC report stating that I was a victim of identity theft, I sent in proof that I Was incarcerated at the time when the actions that are reporting on my credit report happened. The FTC report was filed XX/XX/2021. I have also sent letters to XXXX  and XXXX  directly explaining my situation. Not only are the accounts NOT MINE, there is one account that is reporting three different time on each report being very damaging and obviously not correct.
Consumer complaint received 2021-08-02
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: Debt Recovery Solutions, LLC (OH)

This is my 5th time disputing an account on my report that does not belong to me and is holding up my process of purchasing a home. Account im disputing : DEBT RECOVERY SOLUTIONS # XXXX. They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
Consumer complaint received 2021-08-02
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. (AZ)

I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/2021 I deposited {$300.00} into a atm at Huntington. The machine went down and it kept my money and didnt give me a receipt. They said my money never got deposited.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

In XX/XX/XXXX my wife and I were separating and as part of that process wanted to transfer the financial responsibility of our home over to me so she could purchase a home. We spoke with a mortgage representative at Wells Fargo and explained the situation and they agreed to help us refinance so everything was in my name. In XXXX of XXXX I attempted to refinance the home only to find out that they never transferred the title to the home only the mortgage over to me. I was denied the refinance due to the fact that I do not own the home. I contacted Wells Fargo and after 3 months they finally told me that no request to transfer the title was made at the time of the refinance and that it was my responsibility to correct the issue. I currently have a mortgage with Wells Fargo in the amount of {$170000.00} on a home I don't own and they are unwilling to assist or take any responsibility for that. I don't know if I have any legal recourse in this matter and would appreciate any help I could get.
Consumer complaint received 2021-08-02
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. (NC)

Experience is charging me monthly to see my credit score. I check my credit score before I apply for credit and experience shown my credit score as XXXX but when I apply for credit they tell me experience is reporting XXXXthis is cause of me to be denied and receive inquiries in my credit because the are reporting inaccurate information.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi IC Systems ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve
furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

We just did our second refi with Loan Depot. The first time we dealt with them, we were told by their agent that they very rarely sold their loans. At the time XXXX XXXX XXXX held our mortgage. We went ahead and did the refi with Loan Depot and shortly thereafter our loan was sold to ... XXXX XXXX XXXX. We complained about it but were told that nothing could be done. 
When we wanted a lower interest rate this year, we went back to Loan Depot since they were offering some perks because we had done business with them before. We were told again that the company rarely sold their loans. We did the refi and last week we were notified that our loan was sold again to ... XXXX XXXX XXXX XXXX 

I tried to get on the phone with Loan Depot corporate. I talked to two people and all they could do was transfer me to someone else who couldn't help. When I put the information into the main number, I was disconnected because our loan has already been transferred. 

XXXX XXXX XXXX has terrible customer service and we really didn't want them to service our loan again. Knowing full well how we felt about this company, I feel that Loan Depot transferring us back to them is an act of retailiation. Companies should want customers to be happy and not miserable!
Consumer complaint received 2021-08-03
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. (IL)

I XXXX XXXX am a consumer of the US and i recently got a copy of my consumer report and noticed several unauthorized inquiries. Attached is my letter sent to transunion regarding this matter along with a identity theft report.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are wrong phone numbers on my credit report and I want them removed. The phone numbers are XXXX and XXXX. These phone numbers never belonged to me. So I want them deleted from my account. On my credit report it has working at XXXX XXXX and I never worked there and I want that removed. I worked at XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (LA)

I have been trying to remove a credit freeze from my Equifax credit file. I tried doing it online but the system said there was an issue. I tried called and I was referred back to doing it online. Next, I sent a letter on XX/XX/2021, asking Equifax to permanently remove the credit freeze from my profile with no response. I sent another letter on XX/XX/2021, and still no response.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX I received an text message from my bank that there were suspicious transactions on our account. I called the bank and had those transactions cancelled as fraudulent. The bank issued me a new debit card with new information to replace the compromised one. On XXXX XXXX, I received a similar text stating that additional suspicious transactions occurred on our account and I was contacted by a person whose caller ID appeared as Bank of America with their customer service number associated. This individual had both myself and my wife set up XXXX accounts to have the {$3500.00} fraudulently attempted to taken last week returned to our account. Apparently this was the criminals spoofing BofA as they then transferred {$7000.00} from our account and made it look like as if it was sent from us to us. I called BofA and they said they will do what they can to work with the bank that received our money illegally but since we " authorized '' it, the transaction are " legitimate '' according to their policy. Bank of America needs to get our money back NOW and not act like they have no role
in this scam. If they are being misrepresented by criminals to their customers then they need to step up and do more to prevent this fraud from occurring. Real people are being hurt by this and the bank doesn't really seem to care. They are supposed to protect their customers, not be a party to the fraud that is occurring!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : AUTO LOAN ( XXXX XXXX XXXX XXXX XXXX XXXX ), CREDIT CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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. (AZ)

I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I was attempting to lift a security freeze so that I could apply for an apartment rental. I utilized the online option to attempt to lift the freeze. Online it appeared successful, however, I was still denied approval on the basis of having " no credit history. '' However, I could clearly see based on the online portal that my credit history was there ( 13 years worth of information ). I called Equifax to assist with the issue and was told that I needed to submit the request in writing. When I asked for more information or why that was the case and why I couldn't receive assistance over the phone, they placed me on an indefinite hold. I requested assistance from a supervisor and was told they were " looking for someone. '' I now am unable to rent an apartment because the security freeze on my credit report is still showing up and I've received no assistance from Equifax on resolution of this matter. The date of the request to lift the security freeze was XX/XX/21. The phone call with the company took place on XX/XX/21.
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (FL)

I have been a long-time client of Mariner Finance, and recently had to get an additional loan with my car as collateral along with personal items, and have always been up to date with my loan payments. This month due to medical issues and unexpected home repairs, I was several days late in mailing in my payment, so Mariner Finance called me 3 days in a row to harass me about my payment. I explained to them that I had already mailed in my check, and gave them the date, number of he check, and the amount. Told them I have no control over the mail, and there was no reason to call me 3 days in a row harassing me about my payment, since it was only several days late, not even a month.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KY)

Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Sent a preapproved offer in mail for credit card offer so applied at capital one venture site. Reservation code XXXX access XXXX I have perfect credit yet was denied for unknown reason Why would they solicit me an offer if not eligible for bonus points, bad marketing practices, I would like my hard pull reversed