davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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)

I have reached out to both XXXX and experian multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with experian and showing XX/XX/2017 with XXXX. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Bureaus, Inc. (PA)

{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the  company THE BUREAUS INC XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago.

Transunion >XXXX >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX >XXXX >XXXX  >XXXX   >XXXX  >XXXX >XXXX  >XXXX  >XXXX >XXXX   >XXXX XXXX  >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 2023-07-06
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. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MD)

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$160.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company responded to my first letter by sending me a false document that looks like a bill, this document didn't bear my signature and furthermore didn't reflect that I had a contract with this company or their alleged client. Unsatisfied with the first letter, I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have received nothing from this company and they continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Dear Sir/Madam, Our flood insurance policy was re-written by the insurance company due to late payment. As a result, the insurance premium has increased. Our mortgage company ( Chase ) is  responsible for paying our insurance premiums on time. However, the payment was received late causing the policy to lapse. 

Our insurance agent claimed that the insurance renewal notice was sent to Chase ( Our mortgage company ) with the due date of XX/XX/2018. The payment was not received until XX/XX/2018, which was 2 days past the grace period. 

Chase, the mortgage company, claimed that the insurance payment was issued on XX/XX/2018. However, it was returned on XX/XX/2018. They called the insurance company and was told the payment was sent back in error. Chase then issued another payment on XX/XX/2018. However, it's two days past the grace period and the insurance company considered the policy had lapsed and re-wrote the policy. 

It seems that both Chase and the insurance company are not willing to take responsibility for the mistake and are pointing fingers at each other. 

As a consumer, we just know that it's not our mistake that this happened. We are the victim of the bureaucracy between two companies. 

Please help!
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   ( XXXX  ) XXXX
Consumer complaint received 2018-11-26
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. (AR)

XXXX XXXX XXXX AND 2 BRANDS  XXXX, XXXX XXXX PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO TRANSUNION CREDIT FILES..TRANSUNION IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING TRANSUNION LLC TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-02
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)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXXXXXX XXXX XXXXXXXX : # XXXX, Account name : XXXX XXXX XXXX. # XXXX Account name : XXXX XXXX. # XXXX, Account name : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Estate Information Services, LLC (MD)

Hello, I am receiving collection letters from Estate Information Services , LLC XXXX for a debt by a deceased family member, whose Estate is insolvent. They have been notified in writing about this and continue to send letters for payment and calling leaving messages with other family members. The original company was XXXX XXXX, and I suspect they sold this to a collection agency. 

The letter is asking for {$2500.00} to settle the debt. Rec 'd the letter in XX/XX/XXXX. 

I attempted to call them and they only want to speak with my elderly mother, who has XXXX. I refuse to subject my mother to these tactics. She had an Estate Attorney who also has previously addressed this debt. 

My father has been deceased since XX/XX/XXXX.
Consumer complaint received 2023-07-06
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2019-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Hello, I would like to complain about the debt collection from the agency Midland Credit Management. I was a cosigner for a former friend, who had a XXXX. She opened up an account to make payments on a credit on XX/XX/XXXX with the company, XXXX XXXX, but needed a cosigner just in case the payments were not met. She made it seem like she was responsible enough to make them, so I said yes.I was not aware of the documents and the requirements to be one, and she knew of this and took advantage of the situation and filled out my information. I was not aware she was supposed to hand me documents and she forged my signature. Saying yes to be a cosigner were just words, but it being signed and dated by the actual person or to have it in writing by my permission of course are two different things. What if I had changed my mind? I was young and was only saying it to be a good friend. I was not aware she topped making payments until the debt collection company, XXXX XXXX & XXXX XXXX contacted me in XX/XX/XXXX after she stopped making payments.The debt collectors turned to me and my information and started asking me for payments onXX/XX/XXXX for about {$9800.00}. I have called and spoken to people from Midland Credit and XXXX XXXX. I told them I did not sign any documents pertaining to the documents needed to sign for a cosigner and even disputed the account in XX/XX/XXXX, but it seems like they can not do anything to remove my name and my information from being a cosigner. I reached out to Credit people from XXXX  in XX/XX/XXXX, to explain the situation and they refused to give me any information on the account, even though I am the supposed cosigner, but because I am not the primary account holder, which would be my former friend in debt. They have been sending my letters in the mail with her name on it, asking for {$7500.00} and have called me on several occasions. Also, I do not know the company 's location where she got her XXXX, because they have refused to give me that information as well. Thank you for your time
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

Complaint # XXXX - Response XX/XX/XXXX Sears response that they mailed me a letter. Sears sold the account. My account was in good standing with no past due as to there XXXX statement. There were several attempts with sears to update the change address. customer service never followed up as they said with several attempts to resolve the issue. I was told over and over with no reply back from sears. I was living in another state and working in which I can provide the lease and proof from insurance company of my car insurance as well as bank statements as electric etc. There was a change of address made and sears never mailed me no letter or has to date provide a letter before they sold the account. This account was handle very deceitful and was not followed up as sears stated in there response on XX/XX/XXXX.
Consumer complaint received 2019-04-22
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: Bread Financial Holdings, Inc. (VA)

I have been a cardholder of the XXXX XXXX XXXX XXXX, serviced by XXXX XXXX, since XX/XX/XXXX. In XX/XX/XXXX, I received a limited time offer to receive rewards points for each day the credit card was used during the month of XX/XX/XXXX - no special purchase necessary to qualify - simply use the card each day and all purchase types would qualify. So, I signed up for the offer and used the credit card consistently during XX/XX/XXXXto earn the stated rewards. As of XX/XX/XXXX XXXX XXXX reported ( over the phone on XX/XX/XXXX ) I had accumulated XXXX rewards points from the offer.

Unfortunately, XXXX XXXX is now refusing to provide the reward certificate earned from the XXXX  rewards points. They are stating that as of XX/XX/XXXX the program was transition to a new XXXX   program called All Rewards. The new program is not managed by XXXX XXXX but instead by XXXX XXXX XXXX and is likened to starting over with a brand new rewards program ( per the XXXX XXXX phone rep I spoke with on XX/XX/XXXX ), i.e. no account information is transferred to the new program and a new account must be created to participate. XXXX XXXX ( phone rep spoken to on XX/XX/XXXX ) is stating that they were somehow unaware the points earned previous to the transition would not be credited to the new program.

My concern is that XXXX XXXX, who is servicing a Mastercard ( not just a store credit card ), was the entity that provided the offer in XX/XX/XXXX but is now declining to acknowledge responsibility. Per the phone rep ( on XX/XX/XXXX ) all my points are no longer accessible. I feel that XXXX XXXX 's actions are dishonest and unlawful and that they should be held accountable for defaulting on the offer they endorsed.
Consumer complaint received 2024-03-02
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)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2023-06-26
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. (DC)

My SSN was leaked as part of an attack on XXXX XXXX XXXX XXXX. I received free credit monitor from Experian. 

Since, I've had attempted credit card openings which I've halted with the respective parties. I'm also trying to place credit freezes. XXXX and XXXX both let me put free credit freezes in place. 

However, Experian is requiring that I upgrade my account to a XXXX $ per month membership to implement a credit freeze or lock. 

Honestly, a little ridiculous if they're the ones watching my credit because of this known leak.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank froze my checking account with no warning on XX/XX/XXXX. I have called them, provided trust documents, and met with the branch manager. I need the account to be unfrozen to pay bills and access cash.
Consumer complaint received 2019-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/17 This account is not mines my information was compromised this negative account is reflecting on credit reporting agency Experian
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

The credit bureau 's are reporting a Chapt XXXX dismissed bankruptcy and I have been informed by the courts that they DO NOT verify a bankruptcy. This means that they pulled that information from a third-party reporting agency, therefore, it must be deleted.
Consumer complaint received 2020-12-17
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. (NY)

I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs Transunion XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX