davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Trans Union to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Trans Union and the ignored it.
Consumer complaint received 2023-02-03
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. (FL)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-25
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. (AZ)

There is a 30 day late payment that is not correct and 2 inquiries I did not authorize and Most importantly a chapter XXXX bankruptcy that I did not file
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

Lexis Nexis. 

I am requesting a copy of my consumer report. 

I have requested this several times via your website correctly to then receive written mail I cant be verified. 

Attached to this complaint you will find : My drivers license My social security card My address XXXX utility bills Surely this is proof of my identity. 

Please send a copy of my report via email. 

If that is not possible send it via mail. 

All of my contact details are listed on this complaint.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I had to short sale my home when my ex husband left me with an underwater house. I was promised that I would get XXXX by doing a short sale. The process took such a long time that I needed to move to another state to accept a job closer to my family because I was left with XXXX kids and no money. Wells Fargo said because I left the house before the process was finished I would not get the promised XXXX. I was depending on this money to start my new life. This happened in approx XXXX.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Citi Management Group, LLC (NC)

A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.
Consumer complaint received 2023-06-16
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. (AZ)

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.

The letters are stated with items and issues.

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 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (SC)

Regions Bank with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
Consumer complaint received 2022-12-21
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. (GA)

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Consumer complaint received 2022-12-21
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. (GA)

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached are screenshots of the accounts I stated that are not mines and also documents from my recent XXXX Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (NY)

On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.
Consumer complaint received 2023-06-16
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. (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.

The letters are stated with items and issues.

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 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED CREDIT CARD ACCOUNTS IN MY NAME. THE CARDS ARE AS FOLLOWS : XXXX XXXX XXXX  XXXX XXXX XXXX BANK, XXXX XXXX XXXX XXXX, AND XXXX XXXX
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

I made a payment of {$3400.00} on XX/XX/XXXX. The payment was a balance transfer. The bank refuses to apply this payment to my account, the bank opened disputes with no notification. They charged me interest on the amount that should have been paid off. I was never notified there was a problem with the payment. Its been 3 months, they still refuse to fix my account and credit the payment from XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Experian released information to a lender ( unauthorized ) and, despite having a credit freeze on my account. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX  with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

A few months ago, I submitted modification papers realizing that there is no guarantee to receive a modification and of course I was denied because I was told by representatives at XXXX XXXX XXXX that I am in a good place and I should remain with the deal that I have because they can not lower the interest rate any further. The funny part is that my XXXX XXXX XXXX dues have gone from {$700.00} to {$1500.00} a year, Water dues, electricity bill and my Sewage dues went from {$120.00} a quarter to {$270.00} a quarter all due to inflation. I am unable to pay my mortgage on time because I do not receive money until the end of the month. I wanted XXXX XXXX XXXX to change the due date from the beginning of the month to the end. Today, I spoke with a XXXX and she indicated that there are only two ways that she knew that the due date of the mortgage can change : 1.modification or  2.refinance. Clearly I was denied a modification and my credit is not good enough to refinance - what am I supposed to do? The company is unwilling to assist me any further and I am dumbfounded.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (MA)

I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PREFERRED CREDIT INC (FL)

When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.
Consumer complaint received 2023-05-26
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: Kentucky Higher Education Assistance Authority (NC)

kheaa continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications
Consumer complaint received 2023-02-03
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. (GA)

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 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back to me stating that everything is verified correctly. My credit report is still showing inaccuracies.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have continually asked for validation ( not verification ) of a legally binding contract with a signature which states business between myself and this LVNV which has yet To be produced. Old billing statements are not sources of verification. I am asking for the 3rd time for the contract between myself and LVNV.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: U.S. Auto Sales Inc. (GA)

I was told I was behind about 3 months and the total was {$1800.00} and I paid it, the young lady understood that I wanted to get my car back but i said I was going to sue and she immediately advised she had to transfer me because I said sue and I could no longer have the arrangement to have the car back and she transferred me to the legal department and they sold my truck for about XXXX and then dropped the balance of XXXX on my credit report.