davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (VA)

WHEN I LOG INTO MY EXPERIAN ACCOUNT I CAN NOT UPDATE MY REPORT I HAVE CALLED EXPERIAN NUMEROUS TIMES THIS IT WHAT IT SAYS,,,,,, Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

EXPERIAN HAS A CURRENT COPY OF MY ID, SS CARD THEY ALSO HAVE A FTC REPORT AND POLICE REPORT THAT SHOW 'S I WAS A VICTIM OF IDENTITY THEFT NOT ONLY THAT I'M PAYING FOR THE PREMIUM SERVICE EVERY MONTH AND IT'S NOT WORKING
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This was not sent in error, My name is XXXX XXXX, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information attached
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (FL)

I have received 2 debt collection agency letters for different dollar amounts for a company I have NEVER shopped in. I have NEVER joined a XXXX 's XXXX XXXX, I have NEVER purchased materials at a XXXX 's XXXX XXXX, and I have NEVER even set foot in a XXXX XXXX XXXX XXXX. 
Due to these 3 conditions, I assume that the so-called debt collection agency and these letters are scam attempts to gain access to my credit. 

I have called the company and attempted to file a dispute and was directed to their website. Their website system for disputes asks for a LOT of personally identifiable information such as bank account name, routing numbers, account numbers, SSN, and DL # s. When I attempted to submit a dispute form without this information, the submission " failed ''. I printed out their PDF for claim disputes and will mail it to them. 

Specific Information regarding this false debt : Debt Collection Agency Information TRS Recovery Services Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX  Phone Number given to inquire about these debts : XXXX A second address given to reference debt ... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Another number given is XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-09-29
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I was on the phone with capital one for over an hour and nothing got resolved I sent them my id to verify me so I can use my card and they had me send it over 10 times stating it wasnt clear enough to been seen which it was but he wasnt trying to help me at all. Than 1 hour go by with me trying to upload it he stated he waived the id I asked him if he could had been did that why did he have me upload it over 10 times. 

This company is ridiculous! I been having my very unsatisfied secured card for over 1 year paid on time etc but I noticed me being XXXX XXXX they do this very often
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

In XXXX of 2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXX XX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-09-29
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 an account without my written instructions.
Consumer complaint received 2019-08-05
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. (TX)

Experian is continuing to report incorrectly a collection in the amount of {$27000.00} on XXXX partial account number XXXX. ( Please see page 22 of the attached credit report. ) I have attached copies of past credit card statements from XXXX reporting a date of last activity in XXXX showing a statement balance of {$2800.00}. This card has not been used so it would be impossible for this card to report a statement balance in XXXX of {$27000.00}. There clearly has been a mistake made on reporting this inaccurate statement balance as well as a typographical error on behalf of Experian. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this error, however I have not been successful.
Consumer complaint received 2022-12-17
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2022-04-15
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)

Transunion is reporting a XXXX XXXX account that is not mine. I called XXXX XXXX and they can not bring up any account matching the one at Transunion under my SSN. XXXX XXXX says that Transunion has to remove it - Transunion does nothing despite my requesting twice to remove it in XXXX and in XX/XX/XXXX. Account showing on XXXX ends XXXX, opened XXXX and closed XXXX.
Consumer complaint received 2020-02-25
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. (TX)

XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-05-15
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. (PA)

I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : XXXX
Consumer complaint received 2020-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Since XX/XX/2019 I have been requesting NewRez LLC to conduct a new escrow analysis on my VA home loan they service on behalf of XXXX XXXX ( XXXX ). 

Emails go unanswered, phone contacts take 25/30+ minutes to speak with an agent who can not help with escrow .... I do not receive email responses. The only written response I received was dated XX/XX/XXXX. NewRez has been collecting well-in-excess of what is needed for my escrow to pay property insurance and property tax. These monies will not earn interest and would be better used for principal or other payments.

NewRez has a customer service culture of ignoring requesting and failing to respond in a timely manner. I have called them four times since XX/XX/XXXX and emailed a similar number of times. I have received no response.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}
Consumer complaint received 2022-06-04
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. (NE)

Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.
Consumer complaint received 2019-08-05
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: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX : I was notified by my credit monitoring that Regionsbank had pulled a hard credit inquiry using my name and social security. I have NO relation with XXXX and have NOT applied fir credit. 

XX/XX/XXXX : I called Regionsbank. I was told that no charges had been made and that they would close the fraudulent account immediately. I was told to complete their Uniform Affidavit for Identity Theft and email to XXXX, which I did the same day. 

XX/XX/XXXX : I received a credit report update showing that Regionsbank had nonetheless opened a credit card account using my personal information. The account was still active with a balance of {$12000.00}. I immediately called Regionsbank again. I was told that they did receive my affidavit on XX/XX/XXXX and that they were investigating. 

XX/XX/XXXX : I filed a Identity Theft Report with the FTC, report # XXXX XX/XX/XXXX : I sent a follow up letter by certified mail to Regionsbank requesting written confirmation that I am not responsible for these fraudulent charges. 

XX/XX/XXXX : Regionsbank received the letter per the return receipt. 


To this date XX/XX/XXXX, I have received NO response whatsoever from Regionsbank. After I submitted a copy of the FTC report to the credit bureaus, they did remove this fraudulent account from my reports. However, they are still showing the hard credit pull by Regionsbank. 



.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX log on to my savings account of {$10000.00} had been frozen leaving a balance of XXXX by Midland Credit company out of California contacted them and they informed me that a suite had been file in the XXXX XXXX county court back in XX/XX/XXXX for a debt of {$8900.00} which I do not dispute. Is been 11 years I did not received notification to appear at that timeI defaulted due to serious family and medical issues. I logged on to the XXXX XXXX clerks office and found a case number XXXX showing the following events : XX/XX/XXXX Garnish executed XX/XX/XXXX case eligible for distruction XX/XX/XXXX final judgement for {$3500.00} XX/XX/XXXX debt {$8900.00} Local case number XXXX State case number XXXX status closed filling date XX/XX/XXXX judicial section CG01 plaintiff XXXX XXXX XXXX   garnish XXXX XXXX XXXX no hearing information Amount that Midland is collecting from me at present {$24000.00}. In eleven year I had no contact in regards to this collection. I'm a retire senior leaving with my XXXX XXXX years old mother which I have to care for our benefit is social security.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

I reached out to Keybank around XX/XX/2022 about my card being lost/stolen. I went inside the branch explained to a customer service rep the situation. She basically said she couldnt help me and basically judge the situation said I needed to file a police report if I needed her help. Then printed me out an paper and said call the fraud line. I called spoke with them about money being stolen off my card. I explained to them XXXX XXXX XXXX was my last authorized transaction and Im missing {$4300.00} dollars off my card and that this is the second time this occurred. The representative told me that my money should be back in my account within the bank timeframe. Im not understanding how they dont send alerts or freeze a card up when its suspicious activity and i will be looking into a legal matter.
Consumer complaint received 2022-06-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-06-04
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. (NC)

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT.

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

I was notified on XX/XX/2020 that my chase bank account would be closed and I have no idea why my account is being closed. I have been having problems with this account from the start of opening the account. My account was locked for no reason at all and now I cant access any of my money. I just wan na know when my check will be mailed to me
Consumer complaint received 2022-06-04
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. (NC)

I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this. 

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).