davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (TX)

This is my 14th 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 Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

This is a regards to me trying to do a short sale on my home I have a buyer ready to purchase, I have a real estate realtor, but Mr. Cooper refuse to look at the contract I go back to court on XX/XX/2020 which will be my law day. I checked with XXXX and they advised me to file a complaint as to why Mr. COOPER would block me from doing a short sale.
Consumer complaint received 2017-11-26
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: CITIBANK, N.A. (GA)

My XXXX card had fraudulent charges in XX/XX/XXXX. Citi customer care proactively called me and validated with me. After denying them, they cancelled my card and issued a new card with assurance that the charges will be taken care. I have been talking to citi customer services by calling them several times in XX/XX/XXXXbut they said they are still investigating. After 2months, I get a letter from citi saying the charges were legit and I will have to pay them. I have been calling customer services and talking them thru XXXX but there is not right help to fix this issue. On top of all this, when I went into the details of disputed charges, I see real charges that were disputed are not investigated by citi but other charges which I never disputed. I am also been charged interest for these charges. It has been frustrating for me to deal with this issue. Need some help to resolve this.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MD)

US Bank added a debt in my name while my husband was XXXX  for 15 months with a XXXX XXXX XXXX. I closed the only account I was aware of when he died XX/XX/XXXX that had a XXXX balance. 

Once he died, the bank refused to provide me with details concerning this debt and have not responded to credit reporting agencies with whom Ive filed disputes with. 

The credit reporting agencies have now begun showing this account delinquent even though it is an open dispute which has dropped my credit score by almost XXXX points. I have NO DEBT and a spotless credit report for over 38 years yet US Bank is trying to fraudulently hold me liable for a debt they refuse to provide info on or resolve. 

My husband was XXXX  for over 15 months before finally losing his life. I didnt know about this account until it erroneously showed up on my credit report in XX/XX/XXXX and have been unable to resolve it with the bank because they wont discuss it with me.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-15
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: HW Holding, Inc (NV)

I received an alert on my credit report. I noticed a Hunter Warfield collection on my credit report. It originated from XXXX XXXX XXXX XXXX, XXXX. 
XXXX apts pulled the eviction on XX/XX/2022 from the court system. I was evicted on XX/XX/2022. XXXX never started the process, over nor contacted me. I answered the court by having a mediation in which I never had. 

Violations 15 USC 1681B PERMISSIBLE PURPOSE OF CREDIT REPORT FDCPA PROHIBITS DRBT COLLECTION COMPANIES FROM BEING ABUSIVE, AND UNFAIR. OR DECEPTIVE PRACTICES TO COLLECT A DEBT.
Consumer complaint received 2023-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I NOTICED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASESEE ITEM LISTED BELOW. 

ACCOUNT NAME : CREDIT FIRST N/A ACCOUNT NUMBER : XXXX YOU'RE REPORTING A LATE PAYMENT ON MY CREDIT REPORT YET THE CREDITOR ( CREDIT FIRST N/A ) SAYS THEY RESET THE ACCOUNT AND THERE IS NO LATE PAYMENTS SHOWING ON THEIR SIDE.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have been disputing several items on my credit report for some time now. I have disputed several public records that they are refusing to remove because they state that they have verified the account. The first account is a judgment for XXXX. First and foremost the amount of the judgment is incorrect. The amount that was owed was XXXX and it was paid in full. The second is another judgment for XXXX which is a balance that I never owed, and last but not least a BK Chapter XXXX, which the district court notified me by mail that they do not report to the credit bureau. I have been disputing these items for over three years and I am hoping that you guys can help me solve this issue. I have been told by the courts for all XXXX judgments that they have not physically or intentionally reported to the credit bureau any information regarding my judgment and this is a issue that I must dispute with the credit bureau. I have been fighting with them for the last three years and I am not sure what else I can do.
Consumer complaint received 2023-02-13
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. (PA)

XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I have XXXX problems with Experian. 

XXXX ) When I needed to briefly unfreeze my credit, the bureau did not allow me to do on the phone with an agent. The only way they allowed me to do so was to create an account on their website create the temporary freeze myself. 

XXXX ) Now that I have completed this temporary freeze, I no longer want an Experian account. However, the company will not allow me to delete my account. The website says to call ( XXXX ) XXXX and, " To cancel your membership, give us a call and we'll help take care of it. '' This does not occur. When calling this number, the only thing that happens is that a recorded message refers you back to the website. Thereby offering no way to cancel.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

XXXX XXXX XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX & XXXX XXXX XX/XX/XXXX {$0.00} XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

I was rejected for a Marcus Goldman Sachs savings account because I am XXXX and their system can't handle this. This is a human rights violation to deny someone a basic service. 

I am a XXXX XXXX with a legally updated name. My gender and name are updated with the Social Security Administration. Goldman Sachs categorically rejected my application due to my " personal information '' being inaccurate, without allowing specifics. 

I then proceeded to out myself and had to gave the old deadname information. An hour on customer service and they still rejected me. They said they can't verify it through their online system and as an online-only service they must reject me. 

I deserve equal access to high-quality savings accounts. Marcus Goldman Sachs needs to allow access for XXXX people by fixing their identity and credit search system.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

My credit score has steadily dropped for no reason of my doing. Experian has exposed my personal information to thieves, criminals and hackers, Ive had my credit information used for fraudulent purposes, and no penalty was levied. They are still entrusted with my personal data. To thank me for being vigilant, my credit score declines even though every action I take involving my credit is legal and is my own personal information. Experian is dropping my credit score because I am disputing information I think is not accurate. My score hasnt changed in 6 months. After this complaint itll probably drop again.
Consumer complaint received 2023-05-15
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. (PA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX  TO Date of inquiry : XX/XX/XXXX Delete this account. 

14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (WV)

Hello, I have contacted Comenity for Victoria 's Secret on Wed night at XXXX and this XXXX at XXXX to request that they cancel the application. The application was done just minutes before XXXX on Wednesday, so the request was immediate. I was misled about this card account and do not wish to have a credit account with Victoria 's Secret. The application is in process and I was given a message that they needed to review and I would receive a decision in 10 days. However, I do not wish to have this account and requested that they stop the application. They have refused. I spoke to an incredibly rude and unprofessional representative named XXXX or XXXX in the application department who was supposed to be a supervisor.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (TX)

I received a collection letter saying that I owe {$260.00}, from an outstanding debt with wells fargo in a checking account # XXXX which was transfer to XXXX XXXX XXXX XXXX XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted wells fargo directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
Consumer complaint received 2024-02-29
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. (SC)

I am writing to express my serious concern and frustration regarding the delay in correcting late open accounts associated with my profile. Despite my repeated attempts and communications with your institution, these accounts have not been corrected in a timely manner, which is causing me significant inconvenience and impacting my financial standing. 

The late open accounts on my profile were brought to my attention recently, and I immediately took action to rectify the situation. I followed the procedures outlined by your institution to address this issue promptly. However, despite my efforts, there has been a delay in the correction of these accounts, and they continue to adversely affect my creditworthiness and financial reputation. 

I understand the importance of accurate and up-to-date information on my credit report, and I am deeply concerned about the negative impact that these late open accounts are having on my financial well-being. It is imperative that these accounts are corrected as soon as possible to prevent any further damage to my credit profile and financial standing. 

I urge you to prioritize the correction of these late open accounts and expedite the resolution process. I request transparent communication regarding the steps being taken to address this issue and regular updates on the progress made towards correcting these accounts. 

Furthermore, I expect measures to be implemented to prevent similar delays and errors from occurring in the future. As a valued customer, I deserve prompt and efficient resolution of issues affecting my financial health. 

Please treat this matter with the urgency it deserves, and take immediate action to correct the late open accounts on my profile. I am asking for your assisstance to correct these accounts n my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?
Consumer complaint received 2024-02-29
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. (TX)

Why thy refuse my letters I'm not uisng 3rd party I'm the one who send out letters. Please verify all the negative accounts on my credit report. I will attched my dispute letters and ftc report PLEASE DELETE IT ASAP!