davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX someone opened a capital one credit card in my name. I don't know how or who. I reached out to them in XXXX and informed them I was a victim of identity theft. I asked them to remove this blemish from my credit report. They have not done so. I have asked several times. I never signed anything or even received anything in the mail to apply for this card so it bothers me that they allowed someone to do this to me without try to verify it was me!
Consumer complaint received 2022-12-16
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (OH)

these accounts below do not belong to me and they are bring my credit score down each month and Im in the process of rebuilding my credit after a Bankruptcy this account dont belong to XXXX XXXX XXXX account # XXXX Opened XXXX/XXXX & Balance {$2100.00} two account is mine and it has lates but I was never late, they are below XXXX  XXXX XXXX opened XX/XX/XXXX lates reported XX/XX/XXXX Not late lates reported XX/XX/XXXX Note late XXXX  XXXX # XXXX Opened XX/XX/XXXX balance {$630.00} Late reported XX/XX/XXXX Not Late
Consumer complaint received 2017-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Consumer complaint received 2017-08-18
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. (WA)

I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.
Consumer complaint received 2017-08-18
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: Sierra Holdings LLC (MI)

Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Consumer complaint received 2022-03-22
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. (TX)

On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

Hi I tried for 7 years to resolve this issue with XXXX. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement. 
I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.
Consumer complaint received 2023-03-26
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. (TX)

on XX/XX/XXXX, XXXX XXXX XXXX released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give XXXX permission to furnish fraudulent information.
Consumer complaint received 2022-03-22
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. (CT)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Consumer complaint received 2022-03-22
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. (MA)

There is an item on my credit report that I have disputing for months now with XXXX. This is not my debt. 

The item in dispute is attached in the document below, along with tax documents proving my address at time of " debt ''
Consumer complaint received 2022-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

I sent certified letters to XXXX, Equifax, and XXXX about incorrect items on my report. I have sent items to the 3 bureau listed above over 3 weeks ago and i have not gotten a response from either of them. As stated in 15 USC Code 1681 the agency must respond in writing within 5 days of my letter, if not they are in Violation of the law.
Consumer complaint received 2022-10-16
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. (DE)

I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2017-08-18
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. (PA)

In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

To whom it may concern, We bought a townhouse in XX/XX/XXXX with a mortgage from XXXX. After closing, XXXX transferred us to Mr. Cooper ( Nationstar Mortgage ). 

The issue here is that Mr. Cooper suddenly increased our monthly payment by {$300.00} in XX/XX/XXXX saying we have a shortage in our Escrow account, and we found that {$1500.00} has been charged in XX/XX/XXXX for home insurance from a different company than our existing home insurance company, XXXX. However, based on our final closing loan statement, we bought home insurance from XXXX and prepaid 15 months premium ( 12 months premium at closing, and 3 months premium to our Escrow account ). Representatives of Mr. Cooper said because they didn't get our home insurance information from XXXX, XXXX, and/or us when we were transferred to Mr. Cooper, they arbitrarily put home insurance on behalf of us without our permission ( or even notice ) to our Escrow account, which cost tripled than our existing XXXX  policy. We haven't received any notice/request/question from Mr. Cooper about our home insurance. 

Having troubled waiting and being ignored by the representatives of Mr. Cooper, we finally made it to have long and inefficient discussions with them, and they said they will try to cancel the redundant home insurance policy and refund the premium. 

First of all, we truly regret that XXXX transferred us to a " reputable '' mortgage company like Mr. Cooper, doing this absurd thing. We've been trying to reach them for two weeks with more than 8 calls and 3 emails. 5 out of 8 calls were not received after a 30-min wait each and 2 out of 8 calls were just suddenly hung up by the representative of Mr. Cooper in a very uncourteous way. 

Second of all, how could this happen earthly? Did XXXX drop our home insurance information when they transferred us to Mr. Cooper? Is this possible for financial institutions like XXXX and Mr. Cooper? 

Lastly, after all these troubles, Mr. Cooper is still saying we have to check again next week to see whether the fix has been made correctly. Still, nothing has been changed in our account on their website. Also, nobody says sorry to us so far.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX a person on XXXXXXXX XXXX agreed to buy my XXXX  and XXXX  me for it. They said they sent the money with an extra XXXX $ that needed to be refunded but it was taking a minute they were extremely persistent. Then they impersonated XXXXXXXX XXXX in an email to fraud me into sending the XXXX $ because the email claimed the money was on hold for protection, the email even had clickable things that brought you to the XXXX website so it seemed legit. I do not use XXXX enough to have known and after sending the refund to retrieve my money i got another email to send XXXX $ For a tax and vat fee and it alarmed me something bad had happened and i called the bank immediately within seconds and was told i was being scammed. They had already took the XXXX $ out of my account electronically and the bank denied me a refund claiming its my fault. No one is held accountable, but under law the bank should cover the fraud and refund me as they impersonated an institution via email. I cant seem to get chase to refund me although i have read with Regulation E for electronic banking that they should be held liable. The bank sent a mass email days later to watch out for scams and fraud but it was days too late and now I feel I am the first to bring it to their attention and thats why I cant get a refund.
Consumer complaint received 2022-03-22
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : 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 2022-05-12
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. (NC)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2020
Consumer complaint received 2022-05-12
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)

Hi I would like to report identity theft on the accounts below and I would like them to be remove asap. ( Identity theft police report number XXXX ) according with the fair credit reporting act XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (UT)

I have a High Yield Savings account with Synchrony Bank. On XXXX my credit union account was debited for {$170000.00}, Synchrony did not give me credit until XXXX ; On XXXX my credit union account was debited for {$25000.00}, Synchrony did not give me credit until XXXXXXXX ; On XXXX Synchrony debited my account for {$25000.00}, My credit union did not receive the credit until XXXX ; On XXXX Synchrony debited my account for {$170000.00}, My credit union did not receive the credit until XXXX Essentially, they are not paying me for 2 - 4 days worth of interest on both incoming and outgoing cash flows. I can understand that they may not make funds 'available ' for a day or two due to making sure there are n't NSF or other chargeback/issues. But, the reality of it is in today 's instantaneous electronic banking world they have 'credit ' for my funds at the exact time my institution is 'debited '. They are cheating consumers out of significant days worth of interest. This very LARGE financial institution is charging consumers outrageous interest rates for credit cards, and their very low 1.19 % cost of funds they are paying for deposits to fund those credit card balances, they further decrease by cheating consumers out of a couple days worth of interest. Tell me this - if I had a credit card with them and charged something on it, do they afford the consumer the same benefit of NOT charging interest on that transaction for two days? I 'm pretty sure they do n't. This is the type of consumer harm the CFPB was created to protect consumers from and the reason the Dodd Frank Act was passed, yet consumers continue to be harmed by these large Banks that have very healthy profit margins. The fact is, the difference is about {$27.00} worth of interest ; I and certainly not Synchrony, will ever 'notice ' that amount of money but it is a matter of principal and when you talk about their BILLIONS of savings accounts, two days adds up to A LOT of money for them, spread out over lots of little consumers that probably will never 'notice '. That certainly does n't make it right and they should pay depositors fairly, just like they charge their credit card holders 'fairly '.