davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (FL)

Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these Three Accounts : XXXXXXXX XXXX XXXX account XXXX XXXX Experian # XXXX XXXX XXXX Bank Account # XXXX XXXXXXXX XXXX  Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2023-07-26
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: Experian Information Solutions Inc. (AL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-20
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. (TX)

My name XXXX 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 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These items on my report have been over looked on many occasions. XXXX, Equifax, XXXX have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXX regarding the items on my report Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

On XX/XX/24 - received an email from XXXX XXXX XXXX about security breach and informing me that I can get free credit Protection from Experian. Do you know provided instructions for me to sign up with Experian online or over the phone. I tried to sign up online and reset my password, etc., but I was still receiving an error. 

XXXX I called the number on the email above to contact Experian. XXXX. I was on hold for nearly 30 minutes with no answer. 

XXXX in an effort to get hold of a person I called XXXX XXXX XXXX. That was the technical support business services. I spoke to a person named XXXX, who informed me that may consumers were calling to complain that they could not reach a person about problems signing up for Experian as well. He said he tried to contact a person for them to speak to, and he was unable to. He also informed me that he informed his superiors that this is a problem And told them that customers are calling him because they can not contact a person via all other avenues. 

He offered to transfer me to another number XXXX. However, no matter what option I selected, I could not speak to an individual- And there was no way this problem could be resolved without an individual because I had already reset my password, and that was the only option they were providing. 

I am an XXXX, and I am filing this Complaint because I am certain that other individuals are having the same problem that I am having. I will continue to raise this to legislators as well. I will post it on XXXX and all other social media so that people know this is a problem and file complaints. I will not stop until the problem is resolved.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the XXXX Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.
Consumer complaint received 2023-07-26
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. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Over the weekend of XX/XX/year>, I requested that $ XXXX be electronically transferred to my sisters bank account. Rather than paying the {$25.00} wire transfer fee, I elected to use a new feature in the Bill Pay Section of Huntington Banks website. In this section, I was asked to input my sisters routing and account number. I did so along with the amount that I wished to transfer. I was told on the screen that it would take 3-5 business days. 

The next day, I tried to log in to the account to be able to start the process of finalizing the estate for my mother, and I was denied access. I was immediately panicked because my information was part of the XXXX XXXX  XXXX XXXX breach. I tried several times to reset my password. Each time these attempts failed. So, I called the bank. It was during these calls that I learned that the account had been locked because the bank believed that the transactions that I had requested ( the $ XXXX transfer as well as a smaller transfer to myself ) were fraudulent, and that, in order to unfreeze the account, I would have to go into a branch location. I reminded the support team member that I live in XXXX, GA which is outside of the banks footprint. I asked to speak with a manager. She put me on hold. She talked to a manager, and she advised me that her manager would submit paperwork to make an exception for my situation which would take an additional 3-5 business days. 

At this point, I called the lawyer supporting the estate for my mother. I asked if he could help as he is located within blocks of a bank branch. He went into the branch the next day with a letter that I had written and signed. At the branch in XXXX XXXX, PA, he was told that they would consider arranging a video call to verify my identity. 

Today is XX/XX/XXXX, and the account is still locked. I can not access any of my funds or documentation with Huntington Bank. 

I have to believe that this is in direct violation of regulation 12 CFR 1005.11.
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 XX/XX/2022
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I am a public servant enrolled in an income driven repayment plan, pursuing public service loan forgiveness ( PSLF ). The department of education has published guidelines on their website regarding resuming payments after the end of COVID forebearance. Per their website, since I was already enrolled in an income based plan, I will remain on that plan and I will not be required to recertify income until XX/XX/XXXX at the earliest. However, my student loans were recently transferred from XXXX to MOHELA, and my payments went up from $ XXXX to $ XXXX. They said the only way I could reduce my payments was by recertifying, but this is contrary to information on the studentaid.gov website, and recertifying will still increase my monthly payment as my income has increased since before the COVID forebearance began. Based on my understanding, my payment should resume at the previous amount, $ XXXX, and my recertification should not be due until XX/XX/XXXX. By forcing me to recertify early, I would be paying higher amounts than required from XX/XX/XXXX to XX/XX/XXXX. The customer service at MOHELA has been unhelpful, said they were unaware of the XX/XX/XXXX recertification date, and had no history of my prior payment amounts as this information was not transferred from XXXX.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My property is in Deed of Lieu and they are claiming that I have missed fourteen payments. I have not missed any because I have re-modified my loan. Could you please correct this on my XXXX and XXXX reports. The account number is XXXX.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

My family and I went on a weekend getaway to XXXX XXXX. We stayed at XXXX XXXX and on XX/XX/year> while we were there, we were approached by a XXXX XXXX employee about being comped since we were guest. We were told we would be given free tickets of our choosing with additional gambling vouchers and other gifts. We were told we had to sign up for a XXXX hour presentation with XXXX decided to give it a shot and we went to XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. We were set up for a XXXX oclock appointment. When we got there, we were asked to fill out information about ourselves, including our name, our annual gross income, our address. We then went through a sales pitch to sell us a time share. We respectfully declined the offer and wanted to get our gifts and continue with our vacation. We had XXXX different sales individuals try to sell us a time share program. They were very pushy and when we told them that we would want more time to make a decision they told us this would be a XXXX time deal. We still declined and after XXXX hours and XXXX minutes of being there we left. The sales representatives were misleading and pressuring us to buy part of their program when we did not want to. They did not want us to leave without agreeing to enroll. We did get XXXX tickets to adventure dome at XXXX XXXX and a {$25.00} voucher at XXXX XXXX, which did not end up working. 
Later that evening, I received an email that I was approved for a XXXX rewards credit card by XXXX. I did not sign up for any credit cards!! They explained during the sales pitch that they would do a credit check on us to see if we qualified for a timeshare. They never told us they would be taking a credit card Application This is fraud. We had no knowledge of applying for a credit card. I dont know the credit card details or anoint I was approved for. Once o get the card I will be calling XXXX and notifying them of the fraud.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (NE)

I talked to Sigue Money Transfers and they stated the platform had fallen and that is why the money wasn't available in XXXX and XXXX XXXX. I talked to them about 1 week after that asking why I hadn't heard from them and they stated that they would cancel the transfers and refund the money in 30 days to the agency in my name. I had a family emergency because my dad passed away and was in XXXX for awhile. Ever since I returned from XXXX on XX/XX/XXXX I have tried contacting them. I have been on the phone for up to 6 hours and have not been able to get in contact with anyone. I have tried emailing the company as well to the email I used to send my emails to and it has not gone through saying that the email failed. The amount that the company owes my customers is {$6500.00} and the commission owed to us for the month of XXXX is {$140.00} bringing that total amount due to {$6600.00}.
Consumer complaint received 2022-12-02
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. (MI)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

CFPB + True Accord, On a recent review of emails, I received an email from True Accord saying I owe a debt. I am requesting validation of this debt. 

Attached to this email are : - copy of drivers license - this serves as ID as well as address - written complaint I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. This is the fraudulent account left that you havent remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.