davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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. (CA)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XXXX XXXX XXXX my social security an overall identity was taken. I made police reports also filed all necessary documents as I found out who took all my accounts an information. 

I then called all my credit card companies to make them aware after i claimed the identity theft all credit accounts good an bad were closed from companies. 

During this time of XX/XX/XXXX my credit was also ran 26 times In a few days. this account was originally opened XXXX XXXX. Now the original creditor Sears mastercard account is charged off/closed status with balance of XXXX XXXXXXXXShop your way ( Cbna syw mc ) at address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX of my accounts were breeched. One account was put in my name. I made them aware months before as I was unaware why my balance kept going up 2 months prior to my knowing. An 2 others. 

After communicating with sears mastercard ( shop your way ) mastercard they removed this account approx. 7 or more times. This account keeps adding back to my credit profiles. 

All documents an proof needed an police report an new filed police report have been given as well to company was also past due as of same time frame originally prior to being resolved the first time around. Currently the account shows is past due in the amount {$1400.00}. 

XX/XX/XXXX my CBNA credit card for sears was opened as my account reflected perfect payment history in perfect status until this happened. My account went past due w charges showing past due of XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the necessary party, gave all my reports an explained my identity theft. I had this account removed more than 4 times off my credit in this amount of years. For some reason it keeps popping back on my credit. 

As a result I had to remove myself from certain business accounts as my credit declined from identity theft. Also as a result of these account being added an removed multiple times has completely ruined my credit to the point it has been impossible to reestablish credit due to the constant changes. I lost points everytime they re- added accounts. 

Currently this account has come up onto all three bearus once again my credit score was affected again. If reviewed you will notice all my accounts were in perfect standing until XXXX
Consumer complaint received 2020-03-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION (FL)

My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.
Consumer complaint received 2020-03-25
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. (MA)

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, MGL 93A. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further  damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.
Consumer complaint received 2020-04-03
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: DISCOVER BANK (MI)

I have never applied for a credit card with discover. I spoke to a agent they said they would investigate and remove the card in the middle of the so called investigation they sold the account to a third party. This is a fraud account. I have went to the police department as well as notified the ftc. Reports are enclosed.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (CA)

On XX/XX/XXXX I filed a complaint with the CFPB regarding this collection company trying to collect on an already discharged Bankruptcy debt recently. They responded with an answer of which I will paste right here : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, XXXX. In light of the information provided in this complaint, we have closed our file and returned the account to our client for further review and processing. As such, you will not receive any further communication from our office pertaining to this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX As you can see, they had promised to have this deleted from all of the credit bureau agencies, but instead, not only did they not remove it, but it was added to my XXXX  and XXXX credit reports after this response/answer was given to me stating otherwise. So it was removed from XXXX  and added to the other two bureaus after the answer was given in regards to this matter. I even called and spoke to a gentleman over at DRS 's main phone number and told him what happened. He stated that he would have it removed immediately as well-that was over two weeks ago. Since then, this damaging entry still remains on my credit and I am fed up and done with trying to reason with this Company. The next step will be legal action. Who's to say that I haven't already spoken to an Attorney about this mess? I am finished playing games with this collection company. I feel like they have been lying and being very deceitful about this whole situation-From trying to collect on a discharged bankruptcy debt right up until now where they promised to remove this damaging credit report entry but instead ADDED IT to the other credit bureaus ' database after they had promised that it would be removed from all of them. 

I am not happy about any of this and I can assure you that if this doesn't get taken care of IMMEDIATELY, I won't hesitate to take this to the very next step that is legally available to me as a consumer. My credit is ruined because of these guys, I have suffered from many credit application denials because of this damaging credit report entry, and I have suffered beyond explanation both mentally and emotionally because of the stress that this has created for me over the last few months.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX, and I had my identity stolen in XXXX. I contacted all major credit unions and informed them, along with police reports. Today, XX/XX/XXXX, I looked at my credit reports, and upon my looking, there were an ungodly amount of hard inquiries on all three major credit unions. I would like for them to be removed. I tried contacting them myself one by one, but there was no solution. I believe that, due to their indilgence, I would like them all removed. Thank you. 


XXXX XXXX
Consumer complaint received 2020-03-24
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. (AR)

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Experian has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Experian failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Experian has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Experian should be held accountable for violating the Fair Credit Reporting Act.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BARCLAYS BANK DELAWARE (NE)

This might be the wrong platform for this report but ... on XX/XX/2020 discovered unauthorized purchases on two of my credit cards. Resolved issue with my XXXX Master card. Card cancelled and {$900.00} removed. However, my Barclays VISA card was a different story. At time of discovery about {$1500.00} was charged to XXXX, a XXXX XXXX  website. Contacted the customer phone number on VISA card and automated message stated all personal are not there due to virus and directed me to website. However, no provisions for reporting fraud. Have sent 5 secure messages advising them of problems but no response to date. Since then card balance up to $ 4500.00+. Have sent numerous messages to XXXX  via the contact point on website about the fraud. No response or action. Each day I receive e-mails from their e-mail address advising me that a lady has a message i.e. pictures or videos. And I reply to that msg advising them the card number was stolen and to stop using it. Right now I am awaiting replacement card from XXXX MC, don't want to use my VISA. Help.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-04-03
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. (AL)

I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit 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: REGIONS FINANCIAL CORPORATION (VA)

I opened this account with Fleetcor for a XXXX XXXX XXXX over 3 months ago. I used the card, always made payments on time. All of a sudden, card was closed without any notice or any calls. Called in and was told to call Fraud. Customer service would not let me through to fraud so I talked to them. Customer Service infomed me email fraud at their email address for Fraud to see why was closed. Never got any email back from fraud other than a dispute form that was for credit card transactions only. This was not a credit card transaction so I emailed fraud back asking for correct form and no reply after several emails. i found out finally from talking to customer service the reason it was closed due to not being able to verify my XXXX. My XXXX   clearly stated on the website with Secretary of State and active. Tried to communicate this via email but no response. Now they are holding my security deposit and will not return it. Customer Service Rep advised me not to pay the last invoice because the security deposit will be taken out of it. I have now waited 2 months and the invoice is past due and getting ready to effect my credit so i paid it. I called customer service to talk to someone about when it will be returned and still no response, no resolution.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2020-04-03
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. (AL)

I HAVE ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-25
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. (PA)

I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2024 I contacted TransUnion Tenant screening department to request a copy of my tenant screening report. I was told I needed to email the appropriate department with a copy of handwritten letter requesting what I needed along with my id and drivers license. I was told I would receive an auto response confirming theyve received it. I was then told I would be receiving report within 24-48 hours after auto response. Today, I called transunions 7 times. 6 of those times, agents answered the phone and just hung up in my face. I finally got an agent on the line the 7th try. The agent babbled about how I would get my report by the end of the day and basically making excuses on why I havent received anything. Ive yet to receive my report which is getting in the way of me finding a place to live due to possible incorrect information.
Consumer complaint received 2020-04-03
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. (NV)

I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Experian is not following the laws I have provided a police report and the items are still listed on my credit report XXXX  CARD   XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (IL)

XX/XX/XXXX I called to once again let them know Im being reported late although their records show I havent been late Rep insisted their records were correct and up to date but credit report shows late ... .I also call XXXX, and XXXX of XXXX to have them investigate the account as to why they were reporting me late and was told the would make the changes and updates would be made but none were made. Modified mortgage in XX/XX/XXXX have been paying each month never late and the still report me late. Theyve reported late during my modification trial months as well and each month then after.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I made and electronic request on XXXXXXXX XXXX  site through XXXX and no one responded to my inquiry to investigate and remove XXXX XXXX XXXX, an inaccurate item, on my credit report in the amount of {$19000.00}.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.