davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
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: Army and Air Force Exchange Service (LA)

In need of help with identity theft, I have someone one who open accounts in my name and charged account up to where the companies are calling me for payments and I didnt even open the accounts up, the balances go above 5,000, and the person who is doing this is trying to Open more accounts and putting inquiries on my credit, I have filed a petition for money owed and the person will not answer the door for the petition to be delivered
Consumer complaint received 2018-01-22
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: CL Holdings LLC (MO)

XXXX reports both my birthdate and SSN incorrectly after electronically submitting dispute and documents as proof. This account with XXXX was proven as inaccurate and falsely reported by the opposing CRA of XXXX and XXXX XXXX. 
XXXX briefly deleted the account but reposted the debt under another collection agency 's name. 
The account has been proven inaccurate with all three ( 3 ) CRA.  XXXX, like XXXX, disregards the inaccuracies. Both seem to disregard the law and consumer rights.
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

This company has been continually calling my father informing him of an inaccurate charge that I'm currently disputing because the charge is incorrect. They inform him of the details and the amount that I owe but they don't call me. They started calling last week almost on a daily basis and they started back up this week its ridiculous.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I logged into TransUnion a few months ago to get my report based on information they were reporting and to dispute some information. NOW they have been charging me for four months {$24.00}. I would NEVER agree to pay XXXX XXXX dollars a year to view a credit report that should be free. This is a complete conflict of interest these reporting agencies make you pay. This was very tricky of them to make these charges for 4 months FRAUD!! I am disputing with my CC too However it was not clear by viewing my credit report i would be charged monthly fee every month.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

The problem is with Experian and that I do not remember my PIN, so I can not log in. I have called every phone number on their web site and can not get a human being. I even googled " how to get a human at Experian '' and tried all those phone numbers. I typed a letter and mailed it - No reply! 
I filed a complaint with the XXXX  and finally got a phone call from a XXXX XXXX XXXX, who left a voice message with a direct dial number. I called him back an hour later, on XX/XX/2020 and got his voice mail, and left a message. I did not receive a call back, so on XXXX I called again, and again got vmail and left a message. No call back. On XXXX the same thing, and today XXXX the same thing. 
All I need is for them to reset my PIN and tell me what it is, so I can log in. 
I don't understand how such a large credit bureau could not have a human being answer the phone or have some way to get to one. Not even and email address for customer service.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DAS ACQUISITION COMPANY, LLC (CA)

This company collected my DL, SS #, Mortgage Statement, and Credit Report. I'm severely violated here since now this XXXX man team will not hand over my XXXX XXXX credit report. The CFPB will not do anything but send a letter. YOU have to enforce harder punishment for these XXXX XXXX  mortgage companies taking advantage of us and HAVING our whole life and we have nothing ( my SS #, DL #, picture, etc ). 
Now, they will not communicate with me after I informed them I was writing the Attorney General 's office. 
XXXX told me that they were pulling a " HARD REPORT '' BUT XXXX promised it was a SOFT pull. 
On the online application I told her that I wasn't going to agree to a credit pull since I had a copy to sue her. 
I HAVEN'T BEEN GIVEN ANY DETAILS OF THE LOAN? 
YOU have to REGULATE this Mortgage industry. 
NOW, I'M FEARING THEY WILL SELL MY DATA. 
They are refusing to release my credit report to me stating they can only send me a consumer version. 
I was forced to RELEASE MY CREDIT OR ELSE XXXX WAS NOT GOING TO PROCEED WITH THE LOAN. 
I had sent her a copy of my Credit Report from XXXX Bureaus ' but this was NOT GOOD ENOUGH FOR HER. 
SHE FORCED ME BY STATING THAT SHE HAD TO PULL HER OWN COPY??? 
IT STATES THE SAME INFORMATION??? 
Now, they won't proceed with the loan since I'm requesting a copy of what they have on me. 
They have a MORTGAGE CREDIT and XXXX stated that I CAN'T HAVE A COPY OF MY OWN CREDIT THAT SHE ILLEGALLY PULLED? 
XXXX alerted me that I had a hard pull on my credit this morning. 
I had sent her my credit report yesterday ( XX/XX/2022 ) SHE PROMISED ME IT WOULD BE A SOFT PULL SO SHE LIED. 
I DON'T EVEN KNOW THE NAME OF THE MORTGAGE COMPANY WHO WILL HAVE MY DATA? 
WHO IS DAS/ACQUISITION OUT OF MISSOURI? 
They don't even answer the phone like a normal business?
Consumer complaint received 2020-12-30
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. (FL)

There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX student loan open an account but it's not mine, I requested information and they didn't have any information for me. Equifax and XXXX are validating this fraudulent account for some reason while the other credit beaurals are accurate. I need help with this fraudulent account so it can get removed
Consumer complaint received 2020-03-05
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. (CA)

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.
Consumer complaint received 2020-03-05
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. (CA)

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX  to apply for the XXXX XXXX XXXX  and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.
Consumer complaint received 2020-12-30
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: Bread Financial Holdings, Inc. (NJ)

Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX  XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {$1100.00}. I applied for this card through the ticket purchasing transaction process at XXXX. 
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX  ). 
Later on, XXXX issued a permanent card. 
Travel Dates : XX/XX/XXXX ( XXXX  to XXXX  ) - XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX  / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic. 
XXXX confirmed that XXXX XXXX issued a refund of {$540.00} on XX/XX/XXXX. 
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ). 
However, the initial charge and the payment I made are showing up on this permanent card. 
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ' customer service departments from the past three months. 
Message from XXXX : " We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. '' Another Message from XXXX : " According to our notes, our customer booked the reservation using their XXXX  card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX. 
The cause of the missing refund is because the original form of payment is already expired. '' I strongly believe that Comenity Capital bank doesn't have the correct account synchronization/integration between the temporary card and the permanent card. 
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management. 
Absolutely no help from the regular customer service team.
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I purchased 10 MasterCard Giftcard for {$100.00} each from XXXX on XX/XX/2020. I received them in 3 envelope on around XX/XX/2020. I immediately activated them and verified the balance was correct on each card. Then I tried to use them a few times in different local stores but the transaction always got cancelled. I even tried them on XXXX but still didn't work. I searched online and found many similar complains reported by other customers and decided to call in to get replacements. I called the giftcardmall.com which is located on the back of the card and they transferred me to MasterCard or BlackHawk customer service ( I don't remember exactly which one now ) to get them fixed. I then talked with an agent and after verifying all these card still have full balance she agreed to send me the replacement cards and said I should receive them within 7-10 business days. But until today XX/XX/2020 I still have not received anything from them. The worst thing is now every time when I called back again on the same number, since all of these cards were de-activated by the first agent, none of the customer service agents would like to help me anymore. They either transferred me to another department or even asked me to go to the issuer bank ( XXXX ) to get the replacements. None of them would really like to help me and I'm now sitting on these 10 dead cards worth {$1000.00} now. I'm very disappointment on the XXXX  selling these defective cards and also the lack of customer service with those issuer and merchants especially when customers are having issues with these cards. Hopefully one of these merchants can see my report and could have someone look into my case. Thanks.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

Reference prior claim XXXX You still did not address why your OLB system posted my payment twice. Please listen to all phone calls and note your BBVA representative states that there was an error with your OLB. The multiple payments are proof of the error yet you will not acknowledge the error and possible delayed posting due to the error. Please send documentation showing your research of your online banking system showing that I did not login. Please also provide documentation showing your IT department was involved and acknowledges why the error caused 2 payments to be debited  but in deed couldn't cause the payment posting to be delayed. Please also provide documentation showing the confirmation numbers provided to me via your online banking system were tracked and details of that tracking.
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (NY)

On XXXX XXXX I received a derogatory remark from equifax on my account, from XXXX XXXX for {$14.00}. I have not received any service from them. I have not received any bill in the mail from them. I haven't even been x-rayed in two years. I submitted a dispute XXXX XXXX. No response still and it's XX/XX/2020 as I'm writing this. They have had plenty of time to sort this out.
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...
Consumer complaint received 2020-03-05
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-05
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)

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2020-03-05
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)

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Consumer complaint received 2020-03-05
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. (AZ)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-30
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)

There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. American Express knew about my situation. The Charge Offs with AMERICAN EXPRESS need to be verified, otherwise should be removed. Thank you kindly.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. Barclays Bank Delaware knew about my situation. The Charge Offs with Barclays Bank Delaware need to be verified, otherwise should be removed. Thank you kindly.
Consumer complaint received 2020-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have disputed multiple late payment remarks on this XXXX XXXX account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

When i was XXXX  and first enrolled into college, i was under the impression that most of these loans were grants and i would not have to pay them back. It was never explained to me how interest would come into play with the loans down the road. I  currently work full time but i can not afford to pay what they want for a monthly payment, and i have 5 loans that their expecting a monthly payment for. I had them deferred for a while but im not sure how much longer im able to do that for. If i was to pay what they calculate for each monthly payment, my daughter and i would be homeless because there's no way i'd be able to keep a roof over our heads.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My home loan statement includes a message on the impact of bankruptcy. I filed bankruptcy in XXXX which was discharged in XXXX. I did not include my mortgage in the bankruptcy. I have asked the mortgage company to remove the message off of my monthly statement. Their response is that once a bankruptcy is filed regardless if it was included in the filing, the message remains on the statement until the loan is paid off. My argument is that keeping this message on the statement has no business purpose. If it is does not apply to all customers, then it should be removed when it no longer applies to any customer.