davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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. (TX)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (OH)

I received an unsolicited debit card for a checking account I did not open and a bank with which I have no business affiliation. I have attempted to contact the bank via phone, email and social media. All avenues require activation of the debit card or disclosure of my full ssn in order to speak with a customer service representative. This is unacceptable for a company that I do not have business with.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

Nationstar Mortgage fails to drop the PMI after passing 22 % paid. Currently own 27 % of the home and the PMI is still being charged. No late or miss payments have ever occurred. I signed the form requesting the PMI be dropped and they are demanding I pay for a appraisal to proceed.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-23
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. (MS)

I have called to fix this problem they send me to several department this account is sold to someone and I ask to be removed off my credit report immediately not my debit anymore
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, 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. (PA)

hard inquiries that i dont recognise and need this off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (MS)

I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (CA)

ALLIED INTERNATIONAL CREDIT CORP., ( AIC )., ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Office Hours : Mon-Fri XXXX - XXXX EST XXXX. I received a letter dated XX/XX/XXXX from AIC stating that my XXXX  account incurred debt of {$940.00} and that XXXX sent this to AIC for collections. 

My XXXX  account is up to date with no money owed. Letter states the following : " The above referenced number XXXX has been referred to our office for collection by XXXX, the creditor. Furthermore, AICs letter has a unique statement that states ; As we are nearing tax return time, AIC ( US ) is reaching out to provide an opportunity for you to fulfill your obligation. If you are receiving a Tax Refund this year, consider using those funds to pay the balance due. I fine this statement deceptive by AIC to collect a debt that I do not owe. XXXX does not send any of their Buyer 's accounts to a collection agency, and that you would always first receive an email from XXXX, notifying you your account is past due. AIC fraudulent reports go back at least 4 years on XXXX 's community site. 

Furthermore, in XXXX of XXXX, XXXX, a nationwide credit reporting company headquartered in XXXX, Georgia, announced that a data breach at the company resulted in the exposure of approximately 147 million U.S. consumers sensitive personal information, including names, addresses, social security numbers, and dates of birth. 

Based on the information I provided, their records indicate my personal information was impacted by this incident. I could be a victim of identity theft.
Consumer complaint received 2023-08-23
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. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-23
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. (NY)

I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XX/XX/2018, I was given a promotion at work that also adjusted my pay from salary to commission. After accepting the position, I immediately called all of my creditors to see if any would be willing to delay my payment due, as I knew it would take roughly four weeks for me to receive my first commission based payout. I spoke at length with Capital One 's customer service rep, and he set up a payment, double what I normally paid monthly, for XX/XX/XXXX, and assured me multiple times that if I made the payment according to his instructions that the account would be and remain in good standing. I did exactly as told, but the account was still reported as 30-days past due. In following up, multiple times, Capital One has refused to acknowledge or rectify their mistake. I am a mortgage loan originator and deal with personal credit all day, every day. I would never, ever have chosen to make a late payment with Capital One without their explicit and express agreement, consent, and guarantee that the account would remain in good standing. I would have just made the payment if I had been told that a payment plan/delay was not an option or would threaten the status of the account. I have never missed a single payment with this company.
Consumer complaint received 2024-04-04
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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potentially erroneous collection account entry on my credit report, which I believe represents a case of double jeopardy. The account in question that has been recently added is : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The account is that was previously removed : Account name : XXXX XXXX Account type : Collection Agency Account number : XXXX Original Creditor : XXXX XXXX Balance owed : {$460.00} The details of this situation are as follows : - The original creditor and the balance listed for the current collection account are identical to those of a previously reported collection account. 
- This previous account had been removed from my credit report after being resolved or deemed incorrect. 
- Upon noticing the reappearance of this identical debt under a collection account. 
- I am concerned that this might be an error or a case of double jeopardy, where I am being penalized twice for the same debt. 
- The duplication of debt entries can have a significantly negative impact on my credit score and financial reputation, causing undue stress and potential financial harm. 
- I am unsure if this is an error on part of the credit reporting agency, the original creditor, or the collection agency. 
- In compliance with the Fair Credit Reporting Act, I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 
- Please consider this a formal complaint and I would appreciate your prompt attention to this matter. Guidance on how to proceed with rectifying this issue would also be greatly appreciated. 

Thank you for your assistance in resolving this potentially erroneous credit report entry. Your efforts to maintain the accuracy and fairness of consumer credit information are deeply valued. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY ()

I had booked flights from American Express travel. The flights were from XXXX, but XXXX XXXX cancelled the leg XXXX. Trip ID : XXXX I have paid for the ticket from XXXX. So I reached out to Amex and customer rep asked me to do a local booking from XXXX and Amex would reach out to XXXX XXXX and refund the amount. There was no followup or resolution to this. 

I reached out again for the same issue and I have received a ticket with # : XXXX Amex rep reached out again and said issue will be resolved after the trip is complete. 

I reached out again for the same issue after the travel is complete and I have recieved a ticket with # : XXXX I was told they would reach out to me in 2 weeks with resolution and no one did. 

I reached out again today for the same issue and the status of the earlier ticket, and the rep said the ticket was resolved. But I did not confirm nor did I receive any compensation. and I created a new ticket with # : XXXX The whole process is running for 4 months and no resolution is in sight. American express customer process looks like a scam and it makes consumer running around for resolution. I have Platinum membership where they advertise trip protection insurance but nothing is insured and the consumer is made to run through hoops.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

I been a customer with this bank since 2006. I pay this credit card off three times. I have called them in the pass when they were called Wachovia & they adjusted my interest rate. Wells Fargo is saying that they do not adjust interest rates because they only for credit worthy when credit card was first issued. My credit card was issued by Wachovia & my credit score was over XXXX. I believe that Wells Fargo is being unfair charging me 16.2 % interest rate with out no way of reducing it.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (MO)

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 U.S.C. 1681. 

Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to relating consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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. (MD)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, transunion  and XXXX.
Consumer complaint received 2021-04-19
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: Bread Financial Holdings, Inc. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX A Original Creditor Name : Comenity Bank I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2021-04-18
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. (FL)

This is XXXX XXXX XXXX. 

I repeat this is XXXX XXXX XXXX, no one else. So Experian stop the third-party mess. 
CFPB, I'm attaching too much information for you not to see it's not me the credit reports that I have attached are mine, not a third party. So review them and remove the identity theft from my credit report. 

I have sent to Experian my XXXX and XXXX credit reports/files that show, I had identity theft on my credit report. For some Experian still has on my credit report and item on my report that was due to identity theft and as you can see from the attachments XXXX and XXXX have removed the item. I have attached the proof that XXXX and XXXX removed the alleged debt from my credit report because it was identity theft. I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. My ask is that unless Experian can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX and XXXX have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

As of this date, XX/XX/2023, TRANSUNION has not UPDATED my credit report. My credit report is reflecting OLD information and I am attaching screenshots of the information TRANSUNION is reporting to validate my claims. As a result of this OLD information, my FICO score has dropped XXXX points!!!! This should NOT be the case!!! My creditors have all reached out to TRANSUNION via USPS mail and fax to REPORT that I have XXXX balance!!! I do NOT OWE anything nor do I owe any monthly payments to any of my creditors!!!! By now, my FICO score should have increased by MANY points because of my EXCEPTIONAL payment history instead of dropping!!!! I shouldn't have to need the intervention of the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) to have INACCURATE information on my credit file CORRECTED!!!! I have a LEGAL right to ACCURATE CREDIT REPORTING!!!!

Inaccurate reporting AFFECTS my relationship with my creditors!!!!!!
Consumer complaint received 2020-01-17
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: Experian Information Solutions Inc. (MO)

I am filing this complaint because Experian refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.