davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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: LEXISNEXIS (IL)

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 accounts 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 XXXX XXXX XXXX XXXX Balance : - ; US BKPT CT IL XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXXdismissed Reference # : XXXX.
Consumer complaint received 2024-03-13
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX  XXXX {$140000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$950.00XXXX XXXX XXXX XXXX  XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2022-05-22
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 To whom it may concern : I have read through my credit report provided by you and can't seem to make sense of this data you reported. I need your help and would appreciate expedited investigation on this. 

This alleged debt collection has been removed off of my XXXX report and therefore should be removed from my Experian credit report immediately. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX Send me an updated credit report showing these changes.
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (TX)

I am eligible for a payout due to higher interest fees that shouldn't have occurred on my current car loan with Wells Fargo. I have had a car loan with Wells Fargo in the last 5 years and my payout is eligible if I had a loan between XXXX.
Consumer complaint received 2023-02-01
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)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
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. (CA)

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX  remove the late strike on my credit report, and they refused. I filed disputes with XXXX, XXXX, and Equifax, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Consumer complaint received 2023-04-08
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. (MD)

My merged credit report has inaccurate information. I've tried tirelessly to get this information removed. 

According to XXXX XXXX XXXX section XXXX states, I have the right to privacy XXXX XXXX XXXX permissible purpose section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 



XXXX XXXX Equifax Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX Date of origination XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX last payment XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$23000.00} XXXX {$23000.00} Equifax XXXXX Date of last activity XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX Last payment XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax. XX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION (NC)

on XX/XX/ I was scammed by a caller, he took control of my phone and moved my money around and out of several of my accounts. My husband, my daughter, and my account. while contacting NCSECU that evening they pulled up my account and said the scammer was doing the activity. My hubby had SECU on the line and I had the scammer on the line ( thinking at the time that it was ( XXXX XXXX ) He moved money from one account to another account to XXXX XXXX to XXXX to XXXX account. So all together I lost roughly XXXX XXXX XXXX did their investigation and found that it was a fraud and gave me the man 's IP address ( I told my band about it and the only thing that said was " Why didn't XXXX XXXX give you the money since they found the IP address ) I told them that XXXX XXXX stated that " the money was in my bank that is ensured and the scammer took money out and move it through cash app, XXXX XXXX and XXXX. XXXX for NCSECU did not care. This is our hard-earned money. NCSECU did tell me to try to get the cash from XXXX and XXXX. XXXX did their own investigation, which I have only been with for maybe 6 months ) and decided in my favor and XXXX was returned to my account in 2 days. NCSECU is trying to take credit for the money returned to me and I did the work for that. ( so appalling and sickening ) this has been a nightmare for me and my family, I just want my hard-earned money back, please. I feel NCSECU did not do enough to help. I have been with the credit union for 25 years and this is how a member that they say they care about is treated. Please check into this matter. I need my money back.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (CT)

I AM XXXX XXXX XXXX XXXX WITH SOCIAL SECURITY AS MY ONLY INCOME.I WAS OFFERED A CREDIT CARD FROM AVANT FINANCIAL CORPORATION. I WAS HAVING TROUBLE MEETING THE PAYMENT DUE DATE. I REACHED OUT TO AVANT 'S CUSTOMER SERVICE TO ASK IF THE PAYMENT DATE COULD BE CHANGED. I WAS TOLD " NO. '' I CONTINUED TO HAVE TROUBLE MAKING THE PAYMENT ON THE DUE DATE BECAUSE I DON'T GET MY CHECK UNTIL THE XXXX OF THE MONTH. AGAIN, I REACHED OUT. THIS PARTICULAR CUSTOMER SERVICE WAS VERY RUDE TO ME, STATING THAT I COULD TAKE MY COMPLAINT TO THE CORPORATE LEVEL AND THE ANSWER WOULD STILL BE " NO. '' I WAS APPALLED BY THE WAY I WAS TREATED, SO I WROTE A LETTER IN XXXX XXXX TO THE CEO OF AVANT, XXXX XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A REPLY. ALSO, BECAUSE OF THEIR BILLING CYCLE THERE ARE SOME MONTHS WHEN 2 PAYMENTS ARE REQUIRED. I'M HAVING DIFFICULTY MAKING PAYMENTS. THIS COMPANY DOES NOT SEEM TO WANT TO WORK WITH THEIR CONSUMERS. THEY ALSO DO NOT SEND REMINDERS WHEN THE ANNUAL FEE IS DUE WHICH CAUSED MY AMOUNT OWED TO BE IN THE RED!! OTHER CREDIT CARD COMPANIES HAVE BEEN VERY READY TO WORK WITH ME. AVANT DOES NOT APPEAR TO CARE WHAT THEIR CUSTOMERS THINK. I FEEL AS THOUGH I'VE BEEN TREATED LIKE A " SECOND-CLASS '' CITIZEN. I FEEL THAT I HAVE BEEN DISRESPECTED, BUT, FURTHERMORE FEEL THAT AVANT DOESN'T CARE!! I AM ASKING FOR HELP IN REACHING OUT TO AVANT ON MY BEHALF TO HELP RESOLVE THIS PROBLEM. BY THE WAY I ALSO TRIED TO CALL THE PHONE NUMBER LISTED FOR THE CORPORATE OFFICE IN XXXX. EACH TIME I CALLED I GOT A BUSY SIGNAL. THANK YOU FOR YOUR TIME AND ATTENTION TO THIS MATTER AND FOR YOUR HELP!! IF YOU REQUIRE FURTHER INFORMATION, PLEASE CONTACT ME.
Consumer complaint received 2017-11-22
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: CORELOGIC INC (WI)

We applied for a lease for an apartment in XXXX XXXX, WI at XXXX XXXX. They use CoreLogic real estate credit reporting. According to CoreLogic two XXXX County court actions, both settled immediately to the satisfaction of XXXX XXXX  in XXXX, WI, have not been expunged even though all rent and fees were paid and we received our security deposit back. This is preventing us from securing a new lease. 

I contact CoreLogic the end of XXXX 2017 and requested my credit report. They said it would take two weeks. I waited two weeks and called back when I did not receive my report. They had my SSN wrong and my address wrong and said the report was returned to them by the USPS. I requested the report again and was told to wait another two weeks which I did. I still have not received the credit report CoreLogic used to deny us housing.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank keeps charging me overdraft fees for things that have not been paid out yet ( the charge is still pending ) They also charge me overdraft fees out of order of occurrence. They post transactions out of order, giving me a false sense of account balance. Then they retro date transactions and take their fees and throw my account into overdraft. So any transaction that I make before they take their fees is now in overdraft after they take the fee because it is retroactively dated and pushed every transaction after that back as if it weren't enough money in the account when there was at the time of transaction.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MN)

In XXXX XXXX Citibank sent me a promotional offer by email ( attached ) of opening and funding a new savings account for various levels of XXXX XXXX frequest flyer miles awards. I opened the account within the timeframe, funded it within the timeframe, maintained the balance for greater than the requirement but was never awarded the miles. Various Citibank reps told me they were coming on two different dates. An investigation was opened and subsequently denied claiming my account wasn't eligible for the promotion as it hadn't been offered to me, which was incorrect. A third rep told me I had opened the account too early, which was also incorrect. This practice is dishonest and not in good faith.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I am trying to temporarily unfreeze my account with Experian and having no success. The other two agencies took less than 3 minutes online. I've been trying to reach a human at Experian for over an hour and I just receive a never ending maze of automation. They have the wrong email address for me and want me to send a ton of information via the US Postal system. This is XX/XX/2019 and we shouldn't be required to send information via the mail system when the internet is completely capable of providing the means to transfer this information securely ( the other two agencies do this ). I can not stop using Experian because they are forced upon us by the banking and lending companies. They need to resolve these customer support issues if we are forced to use them.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

These addresses are errors. 

XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (AZ)

The original debt is it mine its from XXXX from my ex while I was XXXX in XXXX and now Jefferson capital collection is trying to ruin my credit. 
Account info Account number XXXX Date opened XXXX XXXX, 2022 Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 2022
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion mailed me a consumer credit report and did NOT provide me with a consumer credit FILE as I requested. Transunion is in violation of my federally protected consumer rights.
Consumer complaint received 2019-09-03
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. (TN)

I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR EXPERIAN TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.
Consumer complaint received 2024-03-13
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. (CA)

I am writing to report a severe identity theft incident stemming from a data security breach involving XXXX XXXX XXXX, impacting me as a subscriber to XXXX XXXX of California since XX/XX/XXXX. This breach has led to a global compromise of personal information, severely jeopardizing my safety. 

The breach exposed sensitive data, including my social security number, account number, banking details, credit and debit card information, date of birth, health insurance, provider name, prescription details, and other personal information. Subsequently, this breach has affected my social media accounts, credit accounts, and billing accounts. Furthermore, I have discovered unauthorized debt collections on my account that I had no prior knowledge of. 

This incident has not only compromised my financial security but has also caused distress and uncertainty about the misuse of my personal information. I am taking immediate steps to mitigate the impact of this identity theft, including working with law enforcement, financial institutions, and credit bureaus. Additionally I've reported this incident with the FTC Identity Theft service and have attached documentation that supports my claim. 

Upon learning of this data breach I found the following inaccurate damages to my credit report that should not exist under the law 15 U.S.C 1681.

THE ACCOUNT BELOW ARE NOT ACCURATE AND ARE THE RESULT OF MY INFORMATION AND DATA BEING BREACHED XXXX XXXXXXXX Balance {$350.00} Balance updated XX/XX/XXXX XXXX  XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$120.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$630.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX LATE PAYMENT XXXX XXXX XXXXXXXX Original creditor XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX I request prompt intervention and investigation by the Consumer Financial Protection Bureau ( CFPB ) to address the implications of this breach and to ensure that appropriate actions are taken to prevent further misuse of my personal information. I appreciate your attention to this matter and look forward to a swift resolution.