davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I opened my computer to find two charges totally nearly {$2000.00} charged on our Chase Card, that services Amazon Prime. I called it in to Chase and they reported it as fraud. Later that day, a {$60.00} and a {$200.00} charge to same card. I reported them. That particular account was cancelled. On XX/XX/XXXX, {$990.00} was deducted from our personal savings acct. at XXXX XXXX  in the form of a XXXX XXXX XXXX. I worked with our bank and we were reimbursed for that. Today, XX/XX/XXXX, there are four {$25.00} gift cards from Amazon charged. The first account was cancelled and I have not even received the new card yet ( which I had them cancel also ) How can this be happening if I don't even have an active credit card for the account???
Consumer complaint received 2020-04-12
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MidAmerica Mortgage Inc (TX)

Our former mortgager XXXX XXXX transitioned to our new Mortgage company Mid America Mortgage at the end of XX/XX/XXXX. I received a letter from the new mortgage company stating that they will report our mortgage as current in 60 days which would have been the end of XX/XX/XXXX. It is XX/XX/XXXX more than 90+ days and they are still not reporting our mortgage payments on our credit report. This has effect our credit and ability to refinance our home. I am told when a mortgage is moved over to another servicing company they have 60 days to report to the credit bureaus.
Consumer complaint received 2020-04-12
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. (GA)

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. 
So I'd like to ask for you help to resolve this issue and restore my credit reputation. 
Thank you.
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo said they were going to compensate me with {$3900.00} for bank fees for three accounts from XXXX. 
They also caused a banking error in XXXX with bill pay causing 10 percent penalties on property tax payments. 

They never did. 
They also charged fees in my joint account ending with XXXX -- over {$600.00} in about 8 months after they recoded the account. 
I have a balance on my HELOC over over {$100000.00} and thus I do not pay fees based on my household. 

The bank owes me thousands which only partially resolves the issues I tried dealing with XXXX XXXX XXXX Branch manager about this to no avail. 

I also have problems with XXXX XXXX in the mortgage department not being helpful with loan modifications that he promised in XXXX. In particular the HELOC should be below 3 percent and they also need to retitle the parties to singular from joint
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 15 USC 1681. 

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 XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-12
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. (OH)

The account reported a late payment for XX/XX/2020 during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

Discovercard refused to verify me so I could activate my new card instead they used their trust and safety, department claiming that I need a phone number that is part of public record which is complete nonsense and none of the credit card companies have ever done this with requiring a phone number to be public record. 

Theres plenty of documentation to verify the consumer if Discovercard truly wanted to but they chose to give me the run around and it took countless calls and complaining about The lack of service provided to me. I dont appreciate people purposely impeding on my civil/financial rights to access credit. 

I had to threaten Discovercard with legal complaints just to get them to at least wan na verify me as a consumer this is clearly blatant discrimination and harassment. Incredibly XXXX illustration of denying women credit and men dictating and deciding if a woman should have credit or not- please note the decision was already made clearly I qualified for the card but now they dont want me to use it- its fine this is another example of performance and facts that dont matter it is the whims of egotistical men and their idiotic ideas- happy my credit is good and my payments are on none of that matters to Discover its about denying access.
Consumer complaint received 2020-04-12
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: Conn's, Inc. (CO)

I have a conns account i am paying monthly on it i was told i did not have a payment due for XX/XX/XXXX and i did not get any calls for XX/XX/XXXX i started getting calls every day iin the beginning of XX/XX/XXXX stating my account was past due i talked to a rep and he told me what i needed to do to call back on the XX/XX/XXXX and make a payment and request for a forgiveness so it would lower my payment and it would bring my account current, So i called back made the payment he stated my account was current the payment was made for XX/XX/XXXX, and XX/XX/XXXX i wouldn't have a payment due until XX/XX/XXXX, ok so a couple days after i was getting harassing calls EVERY DAY EVERY HOUR saying my account was past due, i would tell he rep the same story every time, they always said they fixed it this went on for about two weeks and every time it was fixed but apparently it wasnt so i finally asked to talk with a supervisor i talked to the supervisor and he hung up on me, then i finally got a hold of another one who said he took care of everything and my account is current and they will submit for it to be taken off my credit, That was a month ago and its still showing on my credit as being late but now it says its late 5 month!!!! I have been paying every month on time i have the receipts but cant attach them its not letting me
Consumer complaint received 2020-04-13
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Trans Union LLC Consumer Dispute Center XXXX. XXXX # XXXX XXXX, XXXX XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Also did not responded to a CFPB complaint with in the time the FCRA provide. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX UNVRIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, LA XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

This is now the 2nd time I have had to report inconsistencies from AES based on the actual balance of an account and my personal Credit Report. AES has yet to resolve the inaccuracy. Failing to correct this may result in a Civil Complaint being filed against AES for failing to provide accurate reporting to the Credit Bureaus. This is a serious concern when inaccurate information is either withheld, purposely falsified, or intentionally changed inaccurately or left unchanged inaccurately. 

As of XX/XX/2020, the Report is now 5 days inaccurate as a recent payment was established and resolved any delinquency on XX/XX/2020. Please make every coordinated effort to provide factual information to the Credit Bureaus, as this information is not correct, notwithstanding, this inappropriate series of inaccuracies justifies litigated action on my part, and AES risks that possibility.
Consumer complaint received 2020-04-13
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. (MS)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, MS XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
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: Early Warning Services, LLC (CA)

I opened a checking account at XXXX XXXX XXXX XXXX on XX/XX/2020. My application for was approved, I made a cash deposit, was issued a debit card and all was ok. Five days later I received information from XXXX XXXX XXXX XXXX informing me that my checking account had been frozen due to a report they received from a company called Early Warning LLC . Early Warning provided XXXX XXXX XXXX XXXX with countless information about myself which I never approved. Early Warning also provided false and misleading information. Early Warning is in clear violation of federal and state law by providing any information as I never even heard of Early Warning.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

The Equifax credit report listed a former address for me and I have never lived at this address. The address came up many times as an option for identity verification and I was denied access to online resources due to the inaccurate information. I contacted Equifax in XX/XX/2017requesting the address be removed from my credit report. They agreed to do so. However, my most recent credit report from Equifax still contains the address they agreed to remove. I did not recontact Equifax about this issue as it seems their follow through is not reliable.
Consumer complaint received 2023-02-09
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. (FL)

I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX  reporting my 2 accounts as OPEN to Equifax on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX  summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to Equifax as XXXX on XX/XX/2023. The truth matters!!!
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

At the end of last year I decided to work on bettering my credit. While checking my Equifax reports in XXXX I discovered that there were several accounts reporting that did not belong to me. The agencies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Being that I have never heard of these companies nor I have done business with them before I asked to have these debts removed. In a letter date XX/XX/XXXX I sent this company a certified letter asking for debt validation. The company did not reply. In a letter dated XX/XX/XXXX I sent another letter stating that since the company failed to investigate my disputes in the given time frame of 30 days that they must by law remove all the debts. Late XX/XX/XXXX the company finally replied to my compliant with a letter asking for me to verify my identity which I did in a letter sent dated XX/XX/XXXX. On XX/XX/XXXX the company responded to my XX/XX/XXXX letter with the same letter that I received in XXXX leading me to believe that the company is stalling on investigating my disputes. Because this company has not made the effort that they are required to by law to service me as the consumer I feel that I do owe these debts and want them removed immediately from both of my Equifax report.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The account reported a late payment for XX/XX/XXXX during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Consumer complaint received 2020-06-12
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The account reported a late payment for XX/XX/2020during the " COVOID-19 '' pandemic. I called the company before my due date and asked for an extension. The extension was granted, which the rep told me this would not be considered as a late payment I would just incur interest. I tried to get the company to chnage the remark, but no feedback or assitance was given.
Consumer complaint received 2020-06-12
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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

On XX/XX/2020 I lost my wallet which resulted in debit and credit card fraud for all my accounts. I promptly reported to each bank and each bank provided provisional credit except for bank of the west. 

I was advised that I would receive a affidavit that I would need to sign. I received this affidavit which I immediately completed and signed. This was received on XX/XX/2020. This was confirmed by a telephone banking rep on XX/XX/2020. 

I was told on XXXX that the fraud department was closed and I would need to call Back. This is unacceptable that I need to chase my own money back as I have followed Bank of the wests requests. 

I am requesting immediate and permanent credit for the transactions. Its under {$100.00}, but its the principle and the frustration of having to keep following up with Bank of The West.
Consumer complaint received 2023-07-13
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX