davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
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. (GA)

XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX/XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX An XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  XXXX : Inquiry from XX/XX/XXXX XXXX/XXXX  : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2020-04-04
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. (GA)

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT ACCOUNTS : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX   XXXX : Inquiry from XX/XX/XXXX XXXX : Inquiry from XX/XX/XXXX XXXX  : Inquiry date : XXXX XXXX, XXXX XXXX : Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2020-04-04
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. (PA)

A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report
Consumer complaint received 2021-03-12
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: U.S. BANCORP (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ELAN FINANCIAL SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX Suntrust allowed me to open an checking account and deposit benefits from an insurance company payout. Two days later I tried checking my account and could not access it. Called customer service and was told my account would be closing. But my funds would be held until XX/XX/XXXX. I deposited {$25000.00}. There is a virus going around and I needed to maintain living without work. They allowed me to deposit and now are stating that my funds make take 15business days to be released. Why deposit my funds and then close the account instead of just declining business with me from the beginning? I feel this is unlawful and should be against the law. They earn interest on my money while I starve for almost a month or until whenever they feel like releasing my funds. I just lost my mom, I am an only child and have no help. I understand business but they wait times are RIDICULOUSLY unfair to consumers. They money has been paid out to the bank, so why cant they release the money to me IMMEDIATELY?
Consumer complaint received 2022-11-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My 18 month mortgage forbearance with Wells Fargo recently ended. I submitted a mortgage assistance application to see what other options are available to me. Right now they haven't processed the assistance application and are only pushing me into a new 30 year mortgage when I only have 10 years left on the current one. It doesn't make sense to me to not have any other options but the additional 20 years. I can definitely resume regular payments next year ( when my Social Security benefits begin. ) I just want to be told first what all my options are so I can make an informed decision. They absolutely won't say, just that it will " probably be worse for me '' if I don't accept the new loan modification offer and the property will go into liquidation. -- -- This sounds like a predatory loan practice during a legitimate COVID related hardship.
Consumer complaint received 2020-03-26
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: SYNCHRONY FINANCIAL (CA)

I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair
Consumer complaint received 2020-03-26
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. (FL)

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. 
Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX/XXXX : XXXX The payment status is incorrect, please delete. 



XXXX XXXX : XXXX The account status is inaccurate, please delete. 



DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.
Consumer complaint received 2020-04-04
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. (SC)

Called XXXX  ( Transunion ) ( XXXX  ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (MN)

On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX firm on XX/XX/2019 at XXXX am and after giving my name address and case information I was transferred to Representative XXXX XXXX XXXX direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from XXXX plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a XXXX. I was transferred to XXXX XXXX XXXX XXXX XXXX direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX firm. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called ADP and asked why the debt was not paid. I was told they could not release the funds to XXXX law firm until they received a " XXXX to XXXX Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage XXXX XXXX '' form. I called XXXX XXXX and informed him of the information I received from ADP. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Mohela correspondence states 90 business days to process, I submitted forms in XX/XX/XXXX and XX/XX/XXXX that remain unprocessed. When I called in XX/XX/XXXX, I was told that it could take up to a year to process. This is unsatisfactory, I've made at least XXXX documented payments, far beyond the required XXXX. My payments need to be immediately recounted as I've submitted all of the required paperwork and have been a federal employee since XXXX.
Consumer complaint received 2020-04-11
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. (OH)

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX NEW XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I recently discovered that there were multiple cards opened in my name via Comenity bank. All of these cards were opened as a result of a data breach. I contacted Comenity bank and they refused to investigate. I then filled out the identity theft affidavit as per federal guidelines. I also filled out a police report. I have submitted this information to the credit bureau and to Comenity. Comenity sends back form letters stating they have found nothing and they find my statement to be invalid.None of these accounts are open by me. All of this was done fraudulently via the Internet. My rights are being violated. I want these accounts removed from my credit report as they should be because they are fraud and identity theft
Consumer complaint received 2023-01-19
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: ID Analytics, Inc. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-26
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. (CA)

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 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 XXXXXXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 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 XXXXXXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 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