davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2024-09-25
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Frontline Financial, LLC (GA)

I began the loan process with Frontline Financial LLC if XXXX XXXX XXXX, UT on XX/XX/20. I was told that their process was unique that your file went underwriting first to get a full approval instead of a Pre-approval which I thought was a great fast process. After several months of home shopping and being constantly encouraged to find a home soon by Frontline I found a home that I placed an offer and was accepted in the home on XX/XX/XXXX. I was asked to submit my requested information which I did before the anticipated closing date of XX/XX/XXXX. The company is now not giving me the correct information to close and constantly are changing the required documents needed to close. I can never reach anyone by phone from the mortgage broker or loan processor. My home desk is in jeopardy of falling through due to Frontlines unprofessional and shady business practices.
Consumer complaint received 2020-06-03
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : XXXX DOB : XX/XX/XXXX XXXX : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX   {$950.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX,
Consumer complaint received 2020-06-04
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Harris & Harris, Ltd. (IL)

Harris and Harris Ltd ( XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX ) sent me a " settlement offer '' letter via USPS mail alleging an incorrect amount owed of approximately {$96.00} and offered to settle it. Harris knowingly made these false statements after knowing it had previously received two separate checks via XXXX XXXX in XX/XX/2019 for partial payments. Those payments were never acknowledged in the settlement offer despite knowingly accepting and cashing those two checks. 

Further, upon inquiry, I asked Harris to send me a paid in full letter and they alleged that they do not issue those. As you can imagine, having sent two prior checks that were knowingly left out of the settlement offer, I was weary to simply send another check without any further correspondence from Harris acknowledging payment, receipt of payment and payment in full. Harris ' tactic was to then place me on hold for over 30 minutes. 

Harris has willfully, knowingly engaged in FALSE statements as evidenced in their " settlement offer '' offer letter to me ; they have willingly and knowingly engaged in tactics designed to discourage full and fair transparency for paid in full medical debts and in tactics via prolonged holds to simply delay engaging with me in good faith. 

I finally was let off hold by a XXXX XXXX. I notified them that I am disputing any and all amounts until this is resolved.
Consumer complaint received 2020-06-03
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: Experian Information Solutions Inc. (MI)

A fraudulent credit card account was opened with XXXX XXXX Bank on XX/XX/XXXX. I tried calling to dispute the issue and I disputed it twice with the credit bureau. Instead of removing the account, they responded to the dispute as being an accurate account eventjhough it has been disputed as XXXX and not my account. XXXX XXXX continued to report late payments and on XX/XX/XXXX the account was marked as charge off on my credit report. This has negatively impacted my credit report. XXXX   XXXX is aware that I did not open this account and refuses to remove it.
Consumer complaint received 2020-06-04
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. (FL)

I have Been a victim of Identity Theft, every since my Personal Information was Stolen from the Bureaus Data Breech my life has not been the same.. this is very ruff for me at this time. I Never had open any of these Accounts nor did I give anyone Authorization to open Accounts using my personal Information. all of these Accounts is related to fraud
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AL)

I can no longer link my PNC bank account debit card with the XXXX investing program. I have been using XXXX  with PNC for a year and having my purchases through PNC rounded up to the next dollar and that difference invested in my XXXX  account. At the beginning of 2020 this card link was terminated. I have tried numerous times to re-establish this link but PNC will not allow the link. I have communicated eith PNC and have not been provided with a reasonable explanation..
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I am customer of Capital One in XXXX of 2020 I received the Quick Silver Visa card. A number of months prior to applying for the credit card I received a number of pre-approval mailings stating that I would have 0 % interest for one year. Since I've had the card until XX/XX/2020 I've had zero interest, XXXX would mark my 10th month having the card. Suddenly, on the late XXXX statement I had a 22 % APR which I had expected to come a few months later. Additionally my minimum payment was three times the amount I would normally pay while my balance was less than the previous month. I called capital One XX/XX/2020 and was on the line with customer service agents the first hung up on me then switched me to another agent after over an hour. The the next agent said that my promotion was for nine months. I told them that was not in the literature I received and asked them to send a copy but they refused. I called today XX/XX/2020 and spoke to one very nice agent and he said my 0 percent APR was based on the date of one of the promo mailings that was sent to me. I asked for a interest waiver he refused. I then asked to have the issue escalated, the next person manager didn't seem to be privy to my situation. I asked for documentation of the 0 % down promo based on the date of a mailing and she said no she would not give me that information and that I should have that information but told her I did not.I thought I discarded all information but found my welcome packet and that was not included. In the midst of a pandemic one would think that a financial institution would aim to be transparent and helpful.I explained to all agents that I now have new financial challenges and receiving the additional interest was unexpected and burdensome. This practice is predatory and misleading and the fact they refuse to send me a copy of the disclosure regarding the promotional offer of a limited APR is extremely suspicious and problematic.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion 's online credit freeze portal has been down for close to A YEAR with zero changes made. Their phone tree keeps trying to get you to hang up and try to place a credit freeze on their website where SURPRISE : it doesn't work and you need to call them back again. The portal has been down since AT LEAST XX/XX/2019. 

They are dishonestly making it very difficult to add a security freeze.
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

It is becoming a consistent issue that I am having with linking XXXX to my bank account. There have been multiple times when I have tried to make a payment on XXXX and it tells me that they're unable to link to my bank, even after I enter in my password and verify my phone number.
Consumer complaint received 2020-06-03
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX XXXX {$530.00}
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MI)

The company is cash app they freeze my account with out contacting me letting me know anything they fail to ask for Verifiable ID an to respond to either of my emails I been contacting them for 4 weeks now an they fail to communicate back if some can kindly contact me at XXXX or XXXX XXXX
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing without my knowledge or permission placed me into a deferment status that I never authorized. I am now trying to refinance my home and am unable to do so because of the status Shellpoint put me in.

I have not missed any payments and my account always has been and is currently current. 

Because of their actions it is preventing me from taking advantage of the currently low rates and they are going to cost me thousands of dollars in savings each year. 
Thank you in advance for your help in this matter
Consumer complaint received 2020-06-03
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (MA)

A fraudulent charge of {$160.00} appeared, virtually wiping out all funds on the prepaid debit card. 

The charge was by XXXX XXXX XXXX I have contacted XXXX XXXX, the card issuer, at least a dozen times and receive no refund to date. A direct complaint to XXXX XXXX, CEO of BlackHawk, has not produced any results.

As of 5 minutes ago, my money is still missing.
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had my identity stolen. I have reported it to The Federal Trade Commission and made a report. I have notified the 3 credit reporting bureaus ( XXXX XXXX XXXX XXXX ) and they send it back as valid. I have notified them that this was a case of identity theft and to report this information from my credit reports and I have also notified Kohl 's / XXXX XXXX.
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX
Consumer complaint received 2020-06-03
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: Experian Information Solutions Inc. (PA)

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. 1 ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DEPTEDXXXX {$7700.00} XXXX {$46000.00} XXXX {$370.00} XXXX {$280.00} DEPTEDXXXX {$660.00} XXXX {$500.00} USDEPTEDXXXX {$5500.00} XXXX {$6800.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-06-03
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}