davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (NJ)

To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (NJ)

To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-24
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. (NY)

XXXX XXXX has violated my rights under the Fair Credit Reporting Act. 

15 USC 1681 Section 602 - I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reviewed my credit report and noticed that a existing problem is till not fix for the past 2 years I never miss a paid payment when account was close everything was paid as agreed and inaccuracies, the consumer reporting agencies have assured a vital role and have a responsibility to report consumers information to the best of their ability with maximum customer accuracys.i have never been late and all payments were made in full as agreed I have included screenshots of all 3 different reporting inaccuracies, no data, collection and charges off, XXXX XXXX please investigate and provide proof with statement showing that these payment were late or not pay in full, if proof cant be provided I demand these be updated dated as agreed payment in full on time as it should have been not showing up on my credit report. I spoke to the report agency and XXXX they said it was a mistake that they were going delete from my credit but never did this have been on going problem, also my FTC report number is XXXX
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

This concerns credit card company Capital One. I have two credit cards with them, both of which they are charging 19.5 % interest on the balances owed. Concerned about reduced income from COVID19 I proactively called them on XX/XX/20 and requested a reduction or suspension of interest accrual for a period of time so that more of the payment I can make can go to paying off the balance versus paying interest. After talking with 3 different people ( Original CSR, their manager and the manager above the manager ) they refused to do anything to help during this crisis. They did not offer to lower the interest rate or defer accrual, they did not offer any no penalty skip a payment option. 

I have called all companies I owe money to and most of these have been quite helpful and proactive in response to the pressures from the economic slowdown of COVID19.  Some have lowered interest rates, some offered no penalty skip a payment option, some have offered the ability to transfer the debt to a lower interest option. This has not been the case with Capital One, who as of today, refuses to do anything to help. 

This is frustrating for a few reasons : first, the costs for any financial company to offer consumer credit are extremely low right now because of the Fed action to lower the prime rate. Second, the position they are taking will only exacerbate the economic meltdown, force people to declare bankruptcy, ruin credit scores that drive the  economy, etc. We all need to come together as a country and do our parts however we can.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
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. (NV)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MID-ISLAND MORTGAGE CORP. (NY)

i had trouble with getting a mortgage broker in new york state to comply with the transfer of my FHA case # to my new choice of a FHA XXXX XXXX XXXX XXXX. 

I XXXX XXXX would like to cancel my loan with Mid Island Mortgage. I would like the FHA case # XXXX assigned to my property transferred to XXXX XXXX Mortgage ( ID # XXXX ) Please advise once this transfer has been made. 
Thank you XXXX XXXX, XXXX & XXXX XXXX
Consumer complaint received 2020-03-31
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. (AR)

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX  XXXX  XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Consumer complaint received 2020-03-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA VIOLATION I HAVE NO KNOWLEDGE OF FRAUDULENT ACCOUNT XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY TRANSUNION  CREDIT RPORT. FTC REPORT # XXXX
Consumer complaint received 2020-03-31
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. (TX)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons
Consumer complaint received 2020-03-31
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: Stallings Financial Group, Inc. (GA)

There is a debt from Stallings Financial Group listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If Stallings Financial Group can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

**A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

**Documentation showing I agreed to pay this alleged debt. 

XXXX*The Agreement that grants Stallings Financial Group the authority to collect on this alleged debt. 

**A copy of Stallings Financial Groups state license ; including license number.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (IL)

I have a mortgage through SunTrust Bank. Due to Covid-19 I am currently laid off. On XX/XX/2020 I have contacted my mortgage company about deferring payments for 90  days, they told me to contact a specific number XXXX XXXX XXXX. On XX/XX/2020 I called and I was transferred from XXXX XXXX XXXX to the Covid-19 assistance number. I was on hold for 1hr 30min 46sec and then the call was disconnected. I called the XXXX XXXX XXXX number on XX/XX/2020, I was on hold for 1hr 46min 34 sec  and then the call was disconnected. I called XXXX XXXX XXXX on XX/XX/2020, I was on hold for 2hrs 19min 26sec and then the call was disconnected. I have also tried to message the company through their messenger system on XX/XX/2020. I was told I would get a response in 1-2 business days, on XX/XX/2020 the chat was closed by the company with no response to my inquiry other than to call the XXXX XXXX XXXX number which I have been calling since XX/XX/2020. I called XXXX XXXX XXXX again on XX/XX/2020 and I am still on hold with them with no response.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (NJ)

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-31
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. (NJ)

To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XXXX XXXX XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Master Card We held 2 accounts with Barclay ; a credit card and a loan account. A check for payment in full of the personal loan balance was credited in error to our credit card account on XX/XX/XXXX. It took hours of phone time, faxes, letters to finally receive a refund from Barclays credit card in the amount of {$24000.00} which was mailed on XX/XX/XXXX. We then used the refund to pay off the personal loan in full. Initially Barclays credit card only reflected the correct refund, however they now reflect that the refund was made twice ( XX/XX/XXXX and XX/XX/XXXX ) and therefore our balance which is XXXX  reflects {$26000.00} due. They have reported this amount to the credit bureau which has lowered our credit rating due to the new debt and the fact that our limit on this account is {$12000.00} and is showing we are overlimit. 
We have stayed on hold attempting to telephone them for hours to no avail, on XX/XX/XXXX we sent them a secure message on their web site, on XX/XX/XXXX we faxed all paperwork and explanation, on XX/XX/XXXX we emailed their CEO of cards and payments. WE have had no response from any of these attempts. We have attached all documents applicable.
Consumer complaint received 2021-06-18
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. (NY)

Transunion has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed. I demand that these accounts below be removed immediately.