davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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: Experian Information Solutions Inc. (ME)

On XXXX XXXX 2018 I purchased a ring from a company called XXXX XXXX online. I was approved for the purchase by a Company called XXXX The product did not arrive on time. It was promised to arrive by XXXX 2018. It did not arrive. I called XXXX XXXX on XXXX 2018 and XXXX in Customer service said they were busy and they could not make the setting and stone till XX/XX/XXXX with a ship date late on the XXXX and arrival on the XXXX. I said cancel the order because i needed the ring now. XXXX said the order would be cancelled. Three days LATER a XXXX driver coerced my XXXX XXXX XXXX into SIGNING for a package that WAS the order I Cancelled. XXXX realizing their mistake picked up the package and shipped it back to XXXX XXXX. A XXXX XXXX XXXX signature for my signature only is not binding and not legal. XXXX XXXX  lied to XXXX and said they shipped the product on XXXX 2018. Affirm investigated the situation and sided with XXXX XXXX based on the XX/XX/2018 ship date I have sent email after email to Affirm and they continue to Bill me now its a negative on my credit Report.The Order was cancelled. XXXX wad lied too i have copies of the XXXX box showing the ship date XX/XX/2018. I have hard copies of the promise of delivery by the XXXX of XX/XX/2018. I have copies of the XXXX ship date from XXXX. I HAVE copies that XXXX has been sent of everything confirming the fact that XXXX XXXX Lied. Now my credit is being hurt because XXXX using out of country telecenters will not reinvestigate.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been working with Bayview since XXXX in regards to mortgage assistance. I have submitted all the documents, whenever we call in to get an update we are transferred to the point of contact, we have left several messages and he never returns any of our calls. We have set up appointments with him, to which he still never calls. I tried to call in to see if any one else can help me or to be transferred to his manager, but again I am transferred to his voicemail. How is one supposed to get any information or find out the status if my point of contact is not doing his job properly? Bayview is making this situation far worse and forcing me with no options. They now closed my application stating they are missing documents but will not tell me what documents are missing. They are making it more difficult to communicate and do what I am supposed to be doing when they are refusing to help me or return my calls.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXX  opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX  opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX opened XXXX XXXX balance {$2100.00}. XXXX  XXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting 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. (MS)

I have unknown sources on my consumer report that needs to deleted immediately as it is inaccurate and incomplete reporting. 

I retain all rights pursuant to my consumer protections per the Fair Credit Reporting Act to have an accurate report. 

The following inaccurate information is : Hard Inquiry XXXXXXXX XXXX XXXX TransUnion XX/XX/year> Also, I have not been able to get my updated consumer report for TransUnion through Annual Credit Report. Please see my attachment and correct this immediately. 

TransUnion has not updated my address after many months of sending my correct address. 

My address must be corrected as : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  Mississippi XXXX I have a right to privacy in my persons, papers, home, family and property.
Consumer complaint received 2023-04-29
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Original debt of {$840.00} was written off/paid off by XXXX XXXX  XXXX XXXX XXXX I have never signed an agreement/contract of any kind with Midland Credit Management XXXX Now Im receiving letters that they are threatening to contact attorneys to obtain a lean, garnish my wages, or obtain information about assets.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit 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: JPMORGAN CHASE & CO. (NC)

I am missing XXXX XXXX points earned with my new JP Morgan Chase XXXX XXXX XXXX in XXXX. 

The XXXX points earned were transferred to the wrong XXXX account number. Chase transferred it to the secondary card holder ( my husband ) instead of me, the primary card holder. 

XXXX, Supervisor at Chase told me XXXX XXXX XXXX told them on XX/XX/2024 that I need to call their Customer Service and request a merge of our accounts. 

XXXX at XXXX XXXX XXXX said that this is not a " merge '' request. It's a correction request that only Chase can make.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

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 inructions 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 seven 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.

These are the inquiries which should be off from report. 
XXXX XX/XX/year>
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a business credit card with Capital One. I learned that Capital One is reporting this business information to the XXXX credit bureaus, but this information should not show up on my personal credit report since I am not personally responsible for it. I filed a dispute with XXXX. They closed the dispute, left the information and told me to contact Capital One to have it removed. I contacted Capital One and they told me that only the credit bureau can correct it.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over XXXX points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

XXXX XXXX closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment. 

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Consumer complaint received 2024-06-13
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. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, I have been a customer of Amex for more than XXXX  years. this Week all my cards were suddenly shut down and no email/phone voice mail was communicated. I have spend more than $ XXXX for the annual fee of my cards. the website still error for several days when I login. Is this the way American Express treats its customer? can you please advise what happened, and if my accounts were shut down, can you all my annual fee back?
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-26
Product: Credit reporting 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 am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : 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 AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : XXXX XXXXXXXX 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