davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUNRISE CREDIT SERVICES, INC (HI)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged Transunion, XXXX, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged XXXX, Equifax, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Consumer complaint received 2020-06-18
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: ALLY FINANCIAL INC. (MD)

Ally Financial, with whom I have an auto account, has not reported payment history or account updates to the three credit bureaus in 6 months. My last reported date is XX/XX/XXXX. The amount owed on my credit report is false, I am current on all payments - yet the status of my account is 30 days late. I have spoken with them twice to try to reach a resolution to no avail. I noticed the dependency after trying to apply for a home loan. Upon contacting them, learned that this issue stemmed from something that happened in XX/XX/XXXX/XX/XX/XXXX and they were " actively '' fixing it. They assured me it would be taken care of within 3-5 business days and would be updated immediately. Two weeks later, I contact them again after noticing there have been no updates to my account. I was then told the process would take more than 45 days. When asked why was I not notified of the issue or the changes that occurred with their system, I was told they did not anticipate it taking this long which is why consumers were not notified of the issues they were experiencing. This callous disregard of my account, it's negative effect on my life and the way it has been handled is unacceptable.
Consumer complaint received 2020-06-18
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. (FL)

** ( UNFAIR CREDIT** ) REPORTING EQUIFAX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also Equifax Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my paralized hands are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. Equifax Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!
Consumer complaint received 2020-06-18
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX  XXXX {$720.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2022-10-31
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. (NY)

I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XXXX/XXXX/22
Consumer complaint received 2020-06-18
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}
Consumer complaint received 2020-06-18
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. (PA)

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and Transunion are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX  nor transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Department Of Education/XXXX  XXXX XXXX X3
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (UT)

My car note was transferred over to XXXX XXXX XXXX In XXXX of 2020, and they have not reported to the credit bureaus. 

I called XXXX on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute. 

I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than XXXX XXXX. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to  report to the Credit Bureaus.
Consumer complaint received 2020-06-18
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. (TX)

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX  XXXX XXXX {$3400.00}
Consumer complaint received 2020-06-18
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. (DE)

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX  reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Consumer complaint received 2020-06-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IA)

My loan was originally set up with XXXX XXXX. It has since been sold multiple times, finally ending up last year with NewRez/Shellpoint. 

My original paperwork shows that my interest rate is adjustable each year with a maximum of 1 % change per year and with a ceiling of 5 % of the initial rate. There is a 2 % margin over the 1Yr-CMT-Weekly index rounded to the nearest .125 %. 

Last year my rate was 4.375 % XXXX : 4.125 % XXXX : 3.125 % XXXX : 2.625 % XXXX : 2.250 % XXXX : 2.125 % This year NewRez/Shellpoint sens me a rate adjustment paper telling me that my rate will be 4.5 % because they have added a 4.5 % floor to my rate. So despite the index going down to 0.16 % they have RAISED my rate, because they have added their own floor to my interest rate that has NEVER been on my loan before.
Consumer complaint received 2020-06-18
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. (DE)

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I took a forbearance of my mortgage in XXXX and XXXX of 2020 due to being furloughed from my job. I was told by the agent from XXXX XXXX XXXX before accepting the forbearance that this would have no effect on my credit because I was current on my loan prior to taking forbearance. My house sold and the loan was paid in full on XX/XX/XXXX. I went to get another loan and found out my credit rating was 75 points lower than were it was prior. When I pulled my free credit reports I can see that XXXX XXXX XXXX reported me as LATE both XXXX and XXXX and I show 60 days late/delinquent for XXXX. Under the CARES act this account should have been reported as CURRENT not late and it should have no negative effect on my credit rating. Looking at my credit reports there is NO DOUBT that XXXX XXXX XXXX reported negatively. It's the only adverse account in my entire record. I would like this corrected immediately. I've tried to get XXXX XXXX XXXX to correct it and they refuse.
Consumer complaint received 2024-04-10
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: JPMORGAN CHASE & CO. (IL)

As l am still a XXXX XXXX who's being RETALIATED AGAINST in XXXX Illinois for reporting Corruption by deceptive Bankruptcy firm known as XXXX XXXX It's enough I'm blocked from Chase Bank from having a account as of XX/XX/2024 but someone has gone as far as having XXXX report me as being XXXX as of XX/XX/2024. In all my XXXX  years retrieving my credit report and score, I have never seen anything like this!! I tried to resolve this matter with XXXX representative but she hung up after 20 minutes trying to her to explain logically why there's no credit score anymore. Also CHASE BANK had the strange audacity to close my account without reason in 10 days on XX/XX/2024. Please contact me regarding investigating this bizarre matter as l have been tolerating strange hacking on my cell phone. My emails have been compromised and my cell phone numbers in the past 6 months as well. Someone very dirty empowered is trying to XXXX XXXX  as l am XXXX  ( staying at a XXXX XXXX in XXXX Illinois since XX/XX/2024 ) and blocked from getting approved for housing or legal support. Please investigate why l can't receive my credit score and why Chase Bank can close my bank account without reason.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian received my dispute about incorrect payment history from XXXX XXXX. The report number was XXXX and was dated XX/XX/20. Upon their reinvestigation, which is attached, Experian refused, or neglected to put that I disputed the results, which by law, must be corrected due to their failure to give the correct information. I demand that my credit report be corrected in seven days. I have been harmed for too long.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

Citibank rewards credit card closed my card account without notice and Denied me access and use to almost XXXX city rewards points with the value of over {$10000.00} Try to contact customer service number of times to no avail My credit cards were in good standing and all paid in full without any revolving debt. Citibank elected to close my accounts but Has ostensibly taken away points of significant value
Consumer complaint received 2020-06-18
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: Santander Consumer USA Holdings Inc. (UT)

My car note was transferred over to Santander Consumer USA In XXXX of 2020, and they have not reported to the credit bureaus. 

I called Santander on XX/XX/2020 and was told that everything had to be communicated through the mail and there was not an option to talk to anyone or email anyone about the issue. I had to mail my information in along with my full Social Security Number in the mail. I asked if i could give just the last 4 and was informed no. I was told that due to high call volume the dispute department only communicates through mail, and a response will be sent 30 days after the date that they receive the dispute. 

I understand that it is against the law to open up others mail if it is not yours ; however, not everyone follows the rules of the law. I do not feel comfortable mailing out my full Social Security number with the possibility that someone may get it other than Santander Consumer. I also dont know why they have not reported not one payment that we have made to them to the credit bureaus for 3 months now. If they had ran into an issue at all they have my email address and physical mailing address. I never received any documentation indicating that they did not have our SSN 's to  report to the Credit Bureaus.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX approx XXXX XXXX  EST I was called by a US retailer that a credit account was opened in my name and they declined it but were verifying. I said no I had not applied, it is fraud. They then initiated their process to work with the credit agencies. By XXXX EST the same day, I had contacted all 3 credit agencies by phone to initiate credit freezes as I am a victim of ID theft. I had troubles with Transunion after doing the touch tones to freeze my credit, I am supposed to go to a live representative. Every way to get in touch with a live person via XXXX drops. I reached out on XXXX to TransUnion At XXXX est to alert them of the XXXX number not taking me to a representative and they responded at XXXX the next morning ( XX/XX/XXXX ). They stated for me to personally message aka DM so they could resolve. I messaged them back at XXXX via DM about the issue explaining the problem. Later that day an alert for another credit inquiry came on my XXXX XXXX app through another retailer. It indicated someone tried getting a credit card in my name on XX/XX/XXXX ( same day ) and the agency who do did the check was TransUnion. If the freeze was properly in place as of XX/XX/XXXX, this shouldnt have happened. I am under the impression freezes happen nearly immediately. I need a resolution and confirmation that my credit is frozen with TransUnion. My credit is being harmed via these fraudulent inquiries and I feel powerless to get Transunion to resolve.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I mailed a Certified letter to Capital One Credit card requesting information to validate a debt they claim I owe. I received a 1 page letter from Capital One. This letter did not verify any contract bearing my signature, nothing was provided stating that I owed Capital One. Again on XX/XX/XXXX I mailed another certified letting you know of the day you signed for the letter and that the information requested was yet again NOT sent, only this time Capital One totally disregarded the second letter that was sent and did not event to bother responding.