davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I wrote XXXX XXXX and Equifax and let them know I was registered owner of XXXX XXXX XXXX XXXX XXXX XXXX and that they are some accounts showing under the securities account number thats property OF XXXX XXXX LIVING trust and needs to be removed please see attachment.
Consumer complaint received 2023-05-08
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. (KY)

A fraud alert was placed on my credit report in error by XXXX, Transunion, and XXXX. 
I requested multiple times with these companies to remove the 7 year fraud alert. 
They placed it due to my dad 's truck being stolen in 2021. However, none of my information was compromised ; I was his XXXX of XXXX and requested a XXXX XXXX late payment to be removed due to what was going on with his situation. My information was never in his truck. 
Instead of doing their jobs and investigating the XXXX XXXX missed payment they decided to place a fraud alert on my reports. 
I filed a complaint with CFPB. 
These 3 companies stated they resolved the issue and closed the complaint. 
Today I tried to get internet, and could not due to the fraud alert they failed to remove, which is their fault because they didn't read the previous complaint in the first place. 
Transunion sent a post card with the fraud alert notice, so everyone who handled my mail would have seen that. So much for privacy! 
They have ignored my numerous requests to remove, and told the CFPB it was removed. It is not, because the guy at XXXX saw it today. 
Yet they marked my dad as dead on his credit report, which is fine, but they failed to finish resolving my issue. 
I demand the fraud alerts be removed, and I want a written explanation from XXXX, Transunion, and XXXX as to why they failed to do their jobs and lied to the CFPB saying the fraud alerts were removed. Again, my information was never in the stolen truck owned by my dad in XXXX  Their workers just weren't paying attention and saw a police report and made an assumption. I would fire someone like that. They obviously can't take direction and are insubordinate. If the issue is working from home, make them come into the office and maybe they can afford to pay attention. 
I request this complaint be listed on the CFPB website for the maximum amount of time against XXXX, XXXX, and Transunion. There is no excuse for this.
Consumer complaint received 2024-03-21
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.
Consumer complaint received 2023-11-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I was robbed at gun point by two unknown men and they took my wallet with my personal information in it and my cellphone and made transactions that were unauthorized and transfers on XX/XX/XXXX they made a transfer for XXXX dollars and on the same date I was robbed made a transaction for XXXX dollars from XX/XX/2023 all the way to XX/XX/2023 they made transactions on my account that I did not make I also filed a police report and gave Bank of America the report number they have denied me twice so now I am writing this report because I was referred by a former customer in this situation with bank of America
Consumer complaint received 2023-12-11
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (MD)

I reached out to the servicer in XX/XX/2023 about the payment being sent from the Maryland HAF program that would have brought me current up until XX/XX/2023. The Loan officer told me that it would take 3 weeks for the payment to be applied to my loan. They would send me something in the mail with the update about everything applied which should have been for {$13000.00}. I told her that I was worried about the foreclosure and she assured me that no further action would be taken because they had the money to resolve my back missed payments. Fast forward to XX/XX/2023, I received a call from a bill collector from US Bank stating that my account was still delinquent. I explained to them that I was confused because I was told that the funds from MD HAF program would be applied to my account and I would be caught up. The representative apologized and stated they were noting the account that the payment needs to be applied to my mortgage. The same thing happened for XX/XX/2023. Here I am in XX/XX/2023, and the payment still hasn't been applied to my account. I have inquired several times and been given the runarounds about the payment but constantly harassed by phone at home and at work. My online account doesn't show an updated amount and doesn't give allow for a payment to be made at all. I am afraid that the servicer is trying to make me go into default again by making my payment double so I will be behind all over again. I firmly believe they are trying to make my interest rates go up and foreclose on my home purposely. I am trying to keep my home but this servicer has been very difficult to contact and resolve the issue that I clearly got resolved by getting help from MD HAF program. This servicer is trying to make me lose my home by delaying applying the payment on their end for the past 3 and a half months.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity. account is already closed and charged off.
Consumer complaint received 2023-05-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to Portfolio Recovery, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (GA)

Professional Debt Mediation Called me on my mobile phone in XX/XX/XXXX stating that I owed over {$15000.00} in back rental fees for XXXX XXXX XXXX XXXXXXXX XXXX apartments in XXXX XXXX, GA XXXX 
I spoke with XXXX and explained that during to XXXX Mandate, the apartment complex not only locked me out of the ability to pay online because we were late, In XXXX I reported that a lock on one of the windows needed to be fixed. The AC was not working, We did not have AC for at least 3 weeks during the summer of XXXX. The apartment complex continued to harass about the rent but never addressed to maintenance request. In XXXX of XXXX my power was turned off. It took two weeks for me to have the power turned back on by that time the house was full of fruit flies, the refrigerator was full of them it was unusable. Management said that since i had not paid the rent, they did not have to replace the refrigerator. 
Once we reentered the house after the power was turned back on, house was flooded. the pipes in the wall had busted and mold was setting in. After i reported the flood, For 2 weeks we went 2 times a day to catch the water and vacuum up the water. Finally management agreed to come and look at the property. Because i had changed the locks to have 2 locks instead of one, I gave them a copy of my keys. I returned 2 days later to check on the progress of the water issue and management had changed to locks and stated that i had moved out and turned in my keys. I did not. I only moved my furniture because the water was flooding the kitchen, living/dining area, hallway and 2 of the 4 bedrooms, plus there was the broken window lock. Someone had stolen the dryer that was just purchased before all of this happened. 
As I explained to ( XXXX ). I was illegally evicted, i had furniture messed up and stolen. People continued to break into the residents mailboxes. 

When I spoke with XXXX, the charges was on my credit report from the collection agency. I never received a letter notifying me of this collection agency. 
i agreed and began making payments, {$100.00} a month for 2 or 4 months. I noticed that the payments was never changed on my credit report. Therefore, I stopped making payments. I never applied for any consumer credit, with Professional Debt Mediation. 
They have severely harmed my credit by adding this erroneous account to my report.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

I have received calls almost everyday for a year about my credit card. I didn't even know I signed up for a credit card. I thought I was getting a membership and then I found out that it was a credit card. I accepted that I must have messed up somewhere and tried to pay it. But soon after I had my son and had to pay out of pocket for many of his medical bills. I didn't know until recently that this was harassment.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following inquiries are fraudulent : 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  The following address is not mine : XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This is not my name : XXXX, XXXXXXXX XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a credit card to help build my credit but since then have run into a lot of unexpected expensive repairs. I have not been in the position to make a pynt since. I tried to explain this one one of the 100 's of calls I've gotten from them in the last few months. They call early morning, late day, Sundays, holidays. I do not have a list of times and days they called. I did have but it got thrown away. They called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX @ apr. XXXX XXXX I told them once I got back on my feet that I would try to make pymts.
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Consumer complaint received 2018-09-04
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. (FL)

I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (DC)

It appears that my mortgage may have been transferred to XXXX XXXX XXXX. I was not notified by Ditech. Now I received a statement from XXXX XXXX saying that I owe a mortgage payment by XX/XX/XXXX. but my auto payment was already sent to my old servicer, Ditech XXXX I have no excess funds to pay XXXX XXXX. I would like to know why my mortgage was transferred and if possible, keep my mortgage with Ditech. If not, I would like my XXXX payment sent to XXXX XXXX with no adverse actions on my mortgage.
Consumer complaint received 2018-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2018 XXXX XXXX PayPal Placed a limitation on my partners and I account. They requested documents that I submitted and even have phone recorded conversations that the rep admitted that they received all documents he just needed for me to resend an invoice that he couldn't see it that well. On XX/XX/XXXX PayPal closed the account saying they didn't want to do business with our company and they were keeping the funds on hold for 180 days. This isn't right especially when buyers have agreed with our store refund policy which states they can get a refund in 30 days. My partner added me to the account before they closed it I have updated On XX/XX/2018 we spoke to an representative from PayPal about adding me XXXX XXXX XXXX to the account the rep said ok she would email us to show how to do this On XX/XX/2018 XXXX is when we received the email showing how to add a user to the account. There isn't any reason for PayPal to be holding on to the for 180 days. We are requesting for them to release the funds and may it available to use in the 30 days that the buyer has agreed to. This is the second time I'm putting this request in because PAYPAL LIED and stated I wasn't on the account as you can clearly see I was added before the account closed and I have several phone recordings.
Consumer complaint received 2018-09-03
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: EQUIFAX, INC. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-11-22
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: LEXISNEXIS (MI)

After obtaining my Consumer Report I have found several inaccuracies on my file. 
Names, Addresses, Phone Numbers, Email Addresses, and Insurance Policies. I will be uploading those files with this complaint. 

I also have an inaccurate Bankruptcy on my file which I have attempted over and over to get removed. I will be also uploading documentation regarding the Bankruptcy reported under my Social Security number. 

Thank you XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

As written above. I have a Jet Blue Plus credit card from BARCLAYS Bank. My account is tied to another Jet Blue account and my user name and password will not allow me to change it so I can Have my own account separate from this other account. IT is HORRIBLE> They have NEVER contacted me on over 6 months and they can't seem to fix this. I am just asking them to delete my current user name and password so I can create my own account. 
I can not get on line to see ANY transactions since day 1. 
They don't even send me paper statements on the mail which has been requested many times. 
I NEED IT TO FIX This problem immediately. 
The customer representatives say they can't contact IT ... there is no telephone number that they can call. 
MY Case # is XXXX PLEASE, PLEASE help me. 
I will appreciate anything you can do. 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NC)

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Consumer complaint received 2018-09-03
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: DISCOVER BANK (WA)

A previous complaint was filed with CFPB. That complaint number was XXXX. This complaint is in follow up to that complaint. Discover replied that they had corrected the error when in fact the error was not fixed. 

On or about XX/XX/2017, I made a purchase for two airline tickets from XXXX. The dollar amount was {$490.00}. One of  the tickets was cancelled and the airline refunded the money to us. However, to this date Discover has not provided the refund to us that the airline issued. 

A credit was issued by Discover on or about XX/XX/XXXX. This credit is sitting on an old account and needs to be transferred to my new account. Every time Discover transfers this credit to my account, they offset the credit with another charge of {$490.00}. To date, my Discover card balance still reflects me being charged for two tickets, not one. I have attached a screen shot that shows this. Whenever I speak with a Discover representative, they tell me that there is a  credit that was provided on XX/XX/XXXX. However as you will see on the screen shot, there is no credit for XX/XX/XXXX. 

My balance currently is {$490.00} more than what the balance should be. Discover needs to stop misleading the CFPB and they actually need to fix this issue immediately.
Consumer complaint received 2023-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # XXXX, has violated my rights. 

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.
Consumer complaint received 2018-09-03
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)

There are several fraudulent unauthorized inquiries on my credit report. I have a police report on file with transunion as I am a victim of identity theft. These inquiries were not done by me. XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/XXXX. The account Showing on my report as XXXX is reporting inaccurate information. I have disputed this account with transunion several times and they will not update it to report accurately. My report shows that the last payment to XXXX was XX/XX/XXXX and the account close date as XX/XX/XXXX however this is inaccurate. The account close date should be XX/XX/XXXX which is the date this account was filed in a bankruptcy and the last payment was made in XX/XX/XXXX. This inaccurate reporting makes it appear that I have been delinquent with them from XXXX when in fact the account was closed