davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-13
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was damaged or destroyed property — 
Company: EZCORP, INC. (NV)

I took out loans with XXXX XXXX in XXXX XXXX. I paid them thousands of dollars in interest over the years. They finally sent my jewelry back and I found out there were issues such as missing diamonds, less gold weight, etc. I took my items in and found out that XXXX XXXX had put me on a nationwide blacklist and I was told that I would never be able to take a pawn loan. There were issues with the jewelry that I received back and it was not in the same condition as when I originally gave it to them.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

There were 5 XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2021-05-18
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: U.S. BANCORP (CA)

On XX/XX/XXXX today I contacted US Bank regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from US Bank requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2023-05-27
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-07-26
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: WELLS FARGO & COMPANY (NC)

fraud/identity theft/lies/- on XXXX XXXX 2016 I called wellsfargo bank I was reviewing my account and thats when I found an account created by the bank ending on XXXX. I filed a claim the fraud department on same date and they created another account ending in XXXX and I cancelled it immediately on same date and time i never activated, authorized or signed anything. on XXXX XXXX,2016 the credit card solutions executive office. whent and remove/added/changed/all information on the account ending on XXXX and XXXX. And incredibly they put over fifty transactions including multiple duplicate dates on account ending on XXXX that was cancelled on XXXX XXXX 2016. then the account ending in XXXX showed an outstanding balance of {$6200.00} going back to the same as the period account ending on XXXX and they to had over the 50 plus transactions.
Got a letter from executive XXXX XXXX signed by XXXX XXXX stating that they issued a credit and I attempted a balance transfer the review was not complete and the transaction was completed and they rebuild the account and became over the limit and no fee 's were charged and any pmnt amount includes the over the limit plus minimum pmnt. Got another letter from XXXX XXXX XXXX executive office from another analyst and signed by her XXXX XXXX and she states that the account ending XXXX account was open on XXXX/XXXX/2016. So here we have the fraud/lies/theft from the executive office personell. The first letter states very clearly the XXXX account was created on XXXX/XXXX/2016 and closed same day. The the other executive office personel stating that this account ending on XXXX was created and open on XXXX/XXXX/2016.
Consumer complaint received 2023-05-27
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-27
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)

Experian is reporting Unknown unauthorized and Unrecognized items and disallowing me to submit disputes for unknown items causing irreparable harm and damage to my credit report. 
I have disputed the items on my report as they do not belong to me and I have no knowledge and yet they are still there. Other items are inaccurate.This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation Federal No Surprise law Act violation by XXXX XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type Balance Date Opened Collection {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Typ Date Opened Status Collection XXXX XXXX XXXX  Collection account. {$700.00} past due as of XXXX XXXX XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Debt Buyer XXXX XXXX XXXX  Collection account. {$480.00} past due as of XXXX XXXX XXXX {$480.00} XX/XX/XXXX {$480.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$480.00}
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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. (TN)

XX/XX/2022 someone applied for credit through XXXX  XXXX. Under my maiden name. Which obviously I dont use as its no longer my name. I called XXXX XXXX they said they would remove it they also inform me that I need to call XXXX XXXX XXXX and Experian to report the fraud and to also lock my accounts. XXXX was the most difficult they refused to remove it even though I am a victim of identity theft. The all said that I need to have a police report I dont even know how to go about getting a police report for something that wasnt even in my state.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX accounts from XXXX and XXXX are fraud accounts, located under my name, i have received both letter from XXXX and XXXX that they have given permission to XXXX major credit bureaus to remove them, all have removed except experian which are very stubborn and are not willing to do so, each time they say they have not been verified as fraud. no matter what the letter are stating. 
please help me to remove these fraud accounts.
Consumer complaint received 2020-12-12
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. (GA)

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! There is also evidence proving that I am a victim of the XXXX Data Breach!
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I called XXXX to have hard inquiries removed from my credit report because I did NIT authorize them. They told XXXX someone from the fraud department would contact me, but they never did. These unauthorized inquiries are still showing on my credit report. The inquiries that I did not authorize are : - XXXX  XXXX XX/XX/XXXX - XXXX of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I applied for a credit card with Citi Cards. 

I was approved for the card in XX/XX/XXXX. 

I never received a credit card though. 

On or about XX/XX/XXXX - I received a statement for my credit card account. 

On XX/XX/XXXX - I called customer service at XXXX to notify them that i had NOT received a card and to make my payment. They accepted my payment of {$400.00} and stated that due to an error in their system the did NOT mail my credit card. 

On XX/XX/XXXX Citi Cards used XXXX  and sent my card. Citi Card sent my card to someone else 's address across the country XXXX miles away from me! This address was emailed to me to track my card. The card was delivered to someone else on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi Cards customer service to find out why! Customer service apologized, verified my address, canceled the card they delivered to someone else and said they would issue a new card. 

I asked to speak with a supervisor because I was concerned with their failure to keep my identity and financial information private and for mailing my card to someone else. 

When they transferred me to a supervisor he raised his voice at me and told me that the customer service representative already fixed it and he hung up on me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my XXXX XXXX, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (NC)

I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.
Consumer complaint received 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I was having problems paying my mortgage due to my mothers sudden death which I ended up paying for. I started having back issues XX/XX/2020, which caused me to miss work a lot. XX/XX/2020, I was put in contact with XXXX XXXX XXXX. They told me they could help me get a modification on my mortgage, and would get a fresh start because I could not afford a repayment plan. I paid them 3 payments of {$1200.00} for this service ( total of {$3600.00} ). This process started XX/XX/2020. Around the middle of XXXX I received a phone call from XXXX XXXX XXXX stating my mortgage company ( Carrington Mortgage ) denied my modification request and would only agree to a repayment plan of {$3.00} per month for 6 months. I explained to them I was just getting back to work full-time and was playing catch up and would not be able to commit to paying double the amount of what my regular mortgage payments are. XXXX XXXX XXXX suggested I file bankruptcy. I did not want to do that because my only debt is my mortgage. I simply needed a fresh start. I have never had or requested for a modification prior to this. I need help. I do not want to lose my home.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. 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 I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!