davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to remove thse items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which are 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion to date still has not corrected the problem of incorrect addresses, known contractor and fraud alert after several attempts to contact them. 

I know who the person who did this is. XXXX XXXX XX/XX/XXXX. He is representing himself as my husband which is far from the truth. He had access to my personal information and took without permission any other information. This is currently under investigation and criminal charges will be pressed soon. 

XXXX XXXX XX/XX/XXXX first assaulted me in XX/XX/XXXX and again on XX/XX/XXXX. Shortly after I when I noticed that there is incorrect information on my credit report. 
I expect to have the addresses removed, the contractor listed at my XXXX XXXX and the fraud alert too.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

My checking account was locked without notice, nor explanation, over a month ago. It has caused all of my normal bill payments to be rejected without reason. I have called the bank multiple times and waited on hold with numerous representatives for many hours over the course of weeks, never to be offered resolution. Nobody has any idea why my account is locked, and the employee in charge of my account is never available in office to speak with me, nor have they ever once called me. I demand access to and transfer of my approximate {$25000.00} in funds in this checking account to myself immediately. This money was deposited into this checking account via ACH from one of my other bank accounts in my name over 4 months ago. There is absolutely no reason these funds should be held for this long.
Consumer complaint received 2022-12-27
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. (FL)

This is my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I had some unauthorized purchases on my account and I filed dispute with the bank immediately but was made to wait because the charges were pending which I find to be ridiculous they should be able to stop the pending transactions so I finally was able to file dispute and they denied it saying that they were authorized I don't understand how if my debit card was stolen and I reported that to them they canceled the card and sent me out a new one and all those and yet they still denied it it is utterly ridiculous that Banks can do this and then someone is out their money I don't think it's right I want my money back
Consumer complaint received 2022-12-27
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)

This is my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-12
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. (CA)

Wrongful repossession. I was never ever notified or contacted about repossession and I was never contacted when they sold my vehicle and honestly it hurts. The after effects on me and my family are horrible
Consumer complaint received 2018-03-04
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. ()

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.
Consumer complaint received 2020-06-11
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: EQUIFAX, INC. (WI)

XX/XX/2019 I found out my identity was stolen. I filed a report with the FTC and with the police department. I mailed all the paperwork to Equifax and they refused to remove the information. They still have the fraudulent items on my credit report. I have requested multiple times for the items to be removed. 

XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX  XXXX  XXXX/XXXX  Also there are 10 inquiries that were not authorized by me and they have refused to remove them.
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I looked at my credit report and saw a Hard inquiry from XXXX in XXXX, Flordia. I never used this company and never provided any of my information for it. I tried to call the creditor and they instructed me to call Transunion. Transunion told me that the creditor has to let them know that the information is incorrect so they could take it off my credit report and the creditor still told me that they could not take it off even when I know they can. This hard inquiry is affecting my credit and it needs to be removed immediately. The Inquiry is named National credit cards/Airlines.
Consumer complaint received 2020-01-04
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: Innovis (NY)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. 
PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2020-01-04
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: LEXISNEXIS (NY)

I HAVE FOUND INFORMATION THAT I BELIEVE IS FRAUDULENT IN MY CREDIT REPORT THIS INFORMATION IS DEROGATORY AND DAMAGING TO MY CREDIT. 
PLEASE HELP ME TO CLEAR THIS ERROR.
Consumer complaint received 2020-03-02
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)

There are 3 accounts which have been obtained fraudulently and without my consent. They are reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. These are causing a lot of harm to my financial well being because my credit is taking a huge hit because of these thieves who used my info to get credit.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (CA)

I sent a letter asking Experian, XXXX, And XXXX to investigate accounts. Theyve came back to say the items were updated and verified. 
According to 15 USC 1681i - Experian, XXXX and XXXX have 30 days to investigate and send me my results and also update the account information as disputed which they did not and are violation. According to the FCRA I am entitled to {$1000.00} per violation evidence below. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I applied for a credit card through XXXX XXXX. They turned me down based upon a credit report through TransUnion saying I has " Insufficient credit ''. I went to the transunion site and was unable to get a credit report from them. 

I am XXXX yrs old and have lived at the same address for nearly 10 years and have the same SS number I have had since I was XXXX YO. I have excellent credit. I'm not sure why TransUnion is not able to provide me with my credit report based upon this information?
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

Was informed on XX/XX/XXXX via email that my Freedom Mortgage loan was being transferred to XXXX XXXX, and that my auto-payment would be cancelled. I also received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating the same. Because I did not have any account information for XXXX XXXX  yet and would be unable to make a payment directly to them, I went onto Freedom Mortgage 's website on XX/XX/XXXX to schedule a manual payment of the loan for XXXX ( in the amount of {$2100.00} ), knowing that it would be forwarded to my new servicer. This scheduled payment was successfully confirmed on their website. Noticing that the payment had not gone through by XX/XX/XXXX, I went onto Freedom Mortgage 's website, and discovered that they had silently cancelled the payment I set up on their website without notifying me!! 


I then scheduled a billpay through my bank ( XXXX XXXX  ) to pay Freedom Mortgage directly, and XXXX confirmed that it was paid electronically to Freedom Mortage on XX/XX/XXXX. 



I called Freedom Mortgage on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire on the status of the payment, and each time was told that the payment was not received. The customer service staff were adamant, each time, that the payment had not been received by Freedom Mortgage, even though I had confirmed with my bank that the payment was sent, electronically, directly from XXXX  to Freedom Mortgage on XX/XX/XXXX. They had no way to elevate the issue and investigate the missing funds. They also insisted that it was no big deal, given that I had a 60 day grace period due to the loan servicer transfer, and would not be charged any fees or have a credit score impact, regardless of whether the payment was actually received by them or not. However, based on 12CFR1024.33 ( c ), this only applies if they receive the payment, and since they are claiming not to have received it, it is unclear that this grace period would actually apply. 


Given this, to avoid late fees and the impact to my credit score, I have separately made payment to my new servicer ( XXXX XXXX ), and am attempting to get Freedom Mortgage to return the funds to my bank when they find them, however, they are insisting that they need to forward them on to the new servicer. This would lead to me having double-paid my mortgage payment for XXXX, and severely impact my budget and ability to pay my other bills.
Consumer complaint received 2020-06-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (GA)

I had got a title loan from title bucks. Because if the COVID 19 pandemic I was late on payments but I since have paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020. Which was what was agreed on by corporate and myself to get my where Im caught up. Now after I pay they said because I payed it on the app it didnt credit me for paying it the right way so they will set me up to call them next week and I dont think its fair that because there system didnt process my payment correctly that I should be subject to pay more when I cant afford it until 30 days. And they are telling me that I will need to sign a new contract and that way I will never get it paid off cause all I paid was XXXX towards interest which I didnt know that. I dont know what to do but I cant afford to pay on my car like this. Also they sent out a repo service and the man went in my vehicle and XXXX it and when I called the next morning to the title company and asked them who authorized someone to come repo my car and disable it. The manager is who I spoke to and she insisted for me to call the police because she didnt authorize any repo and I asked her did anyone in the office put my car out for repo and she said no that no one did and all of a sudden about 20 minutes later the repo guy shows up and tells me that title bucks did put a repo order out for my car but he was coming to fix my car cause I was unable to drive it and he tells me to pay my car note. So the manager lied to me and now I dont trust anything they tell me and Im worried Ill end up losing my car. Please help
Consumer complaint received 2020-01-04
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. (OH)

I've filed several complaints with Equifax customer care, most recently ( XXXX ). I have been unable to login to my www.myequifax.com account for several months. I have sent certified mail, made phone calls, sent emails and have not gotten a resolution. I am repeatedly told that they are " refreshing their servers '' and when I ask to speak with a supervisor they state one will call me in " 24-48 hours '' but none have ever called back. All of the direct toll free numbers go to overseas foreigners that read from a script and have no idea how to help you. My username is my XXXX, I know my password, I am able to reset it. I've reset my browser history, cache, cookies, network settings and so on to no avail. I've tried on different computers, such as but not limited to, the public library. 

I need access to my account as I am an ongoing victim of identity theft.
Consumer complaint received 2020-01-04
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. (TX)

I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}
Consumer complaint received 2020-01-04
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. (TX)

I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} XXXX {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}
Consumer complaint received 2020-01-04
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. (CA)

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2020-01-04
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. (CA)

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (FL)

Applied for refinance on XX/XX/2020 with NewRez mortgage and I am still waiting for closing. All documents have been submitted and can not get a straight answer from company. I spoke with loan processor yesterday to make sure payoff was received for the 3rd time. Just want to know if this will ever be completed. Appraisal was for XXXX asking to refinance {$120000.00} for 15 years. Current interest rate is 6.99 % was quoted 2.5 %
Consumer complaint received 2022-06-14
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. (LA)

There are several accounts only reportimh to Equifax that are inaccurate. Ive contacted Equifax on several occasions but theyve failed to resolve this issue. Im in the process of purchasing a home and my debt to income ratio is higher than it realistically is due to this error. Im trying to have this resolved immediately. The accounts and their balances are listed below. 

XXXX XXXX XXXX  XXXX reporting balance of {$5500.00} & its been paid off since 2020. 

XXXX XXXX reporting {$30000.00} & thats incorrect because it should be showing a balance of 0. 

XXXX XXXX reporting {$36000.00} & thats incorrect because that account should have a {$0.00} balance as well. 

XXXX XXXX card showing {$900.00} & thats inaccurate also.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (GA)

Hello, I have a " Double Cash '' revolving credit account opened with CitiBank. Given I don't use the account and I'm currently trying to reduce my overall revolving credit limit to better qualify for a home loan, I've attempted to close the account. The account can't be closed via the CitiBank app, nor their website. CitiBank requires account holders to call to close their account. I've called a number of times and have gone through the automated prompts using voice commands. Each time, I've been connected to a representative who pretends they can't hear me over the phone. However, it's abundantly clear the representative 's feigned inability to hear is scripted because their interjections trying to greet me are repeated so quickly, one wouldn't reasonably have the ability to respond without them repeating their greeting over a response. 

Consumers should have the ability to manage their own credit, and I'm simply trying to close this account to get my overall open revolving credit under control.