davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
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: Experian Information Solutions Inc. (VA)

In XX/XX/2018 I paid off my car loan early. As a result my credit score was penalized and I lost many points, going down to XXXX. Prior to that I believe my score was somewhere between XXXX and XXXX. I pay my bills on time and don't accrue debt that can't be paid off quickly. I worked hard to build my score back up, often by using the credit card and having to pay interest. For almost a year 's worth of effort I got my score back ( via FICO-8 Experian ) to XXXX. I recently purchased a computer, that I could have paid cash for or paid off on one payment. My Experian credit account got hit and I lost 7 points, going from XXXX to XXXX, undoing a years worth on interest and effort. I tried filing a complaint/dispute on their website but there is nothing that allows you to dispute a score. I filed one anyway about incorrect information. Via social media they have asked for me to " DM '' them but have not responded to my inquires or challenges to their logic. They do not make it easy to understand how your score is generated. For someone with " Excellent '' credit I got hit for being responsible with my money when I paid off my car/loan early and I also got hit for using my credit card the way it was designed to be used. Experian and others get to collect data on us and use it to their advantage, we are the " product '' but they don't respond to us in a timely manner and treat us with respect.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was trying to make a large purchase at a furniture store and in order to do so they needed to pull my credit. I was advised there was no information for the ss # I provided. A search was conducted several times but to no avail and was advise to contact Experian to see why there was not information with the ss #. I called several numbers for Experian and could not get to a customer service rep due to the automated system does not have the option on any of the # 's I tried. ( XXXX, XXXX, XXXX ) This is very frustrating since it took me over an hour to finally find a number to transfer me to a customer service rep. I finally found and called XXXX and waited for 15 minutes for a representative. He advised the report pulls fine and the lender must have done something wrong. I am not satisfied with that response and an investigation is in process to see if Experian can figure out what went wrong. 
My complaint is more about the consumer is not provided an option in the automated system for the numbers ( XXXX, XXXX, XXXX ) to transfer to a representative. All numbers should have an option to speak to a live person.
Consumer complaint received 2018-08-29
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. (CA)

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XX/XX/XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law.

Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX XXXX. AC # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information.

Attached herewith 1. My dispute i sent to this company on XX/XX/XXXX 2. My police
report 3. my FTC report
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (TX)

XXXX XXXXXXXX XXXX uses US Bank to send our benefits. For 11 days, I have been trying to get US Bank to update my address and send out my replacement card, valued at {$6500.00}. US Bank refuses and everyday they tell me to Call XXXX and update my address. I have sent proof in to US BAnk, and XXXX has also sent in proof that my address has been updated and yet US Bank refuses to update my address and send out my replacement card. For 11 days, US Bank tells me to call, I call XXXX, I spend hours on the phone everyday between the 2 and everyday, US Bank tells me to wait 24 hours for the update to their system, when I call back to verify, I am told XXXX hasn't updated my address yet. I have proof that XXXX has updated my address, yet US BAnk refuses to acknowledge, they just say that I need to call XXXX and tell them to update the portal for US bank. I have requested to speak to Supervisors, IT departments, anyone else that can look and see if faxes have been received from XXXX to verify my address, and yet, US Bank just repeats the same thing. They refuse to call XXXX to verify what I am saying, they refuse to hold while I call XXXX, they refuse to give me any contact information so when I call XXXX I can get them back on the line. They just keep referring me back to cardholder services XXXX number. 11 days I have spent trying to get this corrected, and I am still where I started. US Bank is holding my {$6500.00} and refusing to send it to me.
Consumer complaint received 2019-04-13
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. (CA)

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts.

For yet another time, my personal information was compromised and as a result, fraudulent charges and fraudulent accounts were included on my report ; without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX ACC # XXXX Status Updated XX/XX/XXXX fraudulent charges included on this account. 
XXXX ACC # XXXX Status Updated XX/XX/XXXX Fraudulent charges included on this account. 
XXXX XXXX XXXX ACC # XXXX Fraudulent account, please delete asap XXXX XXXX   ACC # XXXX Fraudulent account, please delete asap I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX, my SS # XXXX-XXXX-XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX, my SS # XXXX My DOB is XX/XX/XXXX. I have a few issues of addresses on my file that do not belong to me on my credit report. I have never lived at the following addresses : XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove these cell phone number they are not mine, there are several issues on here I am not understanding who has used my name to open accounts at the addresses mentioned above. I have attached a copy of my ID and SS for proof of my identity ( 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 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi had a system failure when I requested my stolen card to be shut down and Citi failed to and the thief accrued charges due to Citi 's failure. Citi then refused to refund me my auto payment which included fraudulent charges so I was forced to revoke the stolen charges via my checking account. Citi then proceeded to charge me extra on top of that for revoking the charges to get my money back. 

Amounts : XXXX XXXX : {$25.00} AAadvantage : {$25.00}
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I was filing this complaint because i have been a loyal customer for many years. I feel i was not treated fairly about my account and it was done wrong. I feel like a title loan is not a personal loan are two different things. I was talk to rudely by the manager when i told him that i was trying to pay. He refuse to sell the car to my daughter which the account was in my name and i told him i was willing to pay him XXXX a month because i am disable and get one income. My daughter is in college and needed the car. He argued to me that she could not get the car but sold it for XXXX when he would not take my daughter money. I think that was wrong and very distaste for to do to the customer. I want to settle on this account and have it closed and removed off my credit for XXXX. I will like my account to come to current. zero payments missed and i can start making my payments at XXXX a month before the XXXX of each month. I would love to continue to do business with this company if this account can be took care of. I have honored this company with my business please take of this as soon as possible because i think one of the best policies is to treat customers like you want to be treated not XXXX.
Consumer complaint received 2019-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2019 at XXXX pm XXXX I was contacted by XXXX Bank about a bad debt of my EX Wife and her last known husband. I informed them it has been over 10 years since I have seen or heard from her, and that we were still divorced, and her affairs had no relationship to me. I was advised that I would never be contacted again. 

On XX/XX/2019 at XXXX am XXXX I was again contacted by XXXX  Bank about the account and the individual said they had " no record '' of every having contacted me regarding the matter, and that I would never be contacted again. 

I see a pattern of harassment to extract some monies from me so as to get them to leave me alone since they have been unsuccessful in collection efforts against my EX Wife and her last Known Husband.
Consumer complaint received 2019-04-13
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. (CA)

On XX/XX/29 XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report
Consumer complaint received 2019-04-02
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. (TX)

I ordered the monthly monitoring from Equifax. This service includes daily updates and credit reports. I went to upload a new report since the last one was weeks ago and I am checking on an unverified item. The report would not load and I received this : We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. 

We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : IC_PE_FL I called and was on the phone of over 90 minutes. They were unsure of how to fix this issue. They said they would send it to the escalation department and I would be notified via email in 7-10 days. Well, the time has passed. No notificaiton. I also tried to upload the report via XXXX and XXXX NO EQUIFAX REPORT! I am paying for this service and can not obtain a product. I can not spend 90 minutes on the phone with someone who does not know what is going on.
Consumer complaint received 2022-08-19
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX  XXXX Open Date XX/XX/XXXX, XXXX Balance- {$3900.00}, DEPT OF ED/XXXX XXXX Open Date XX/XX/2014 Balance : {$1900.00}
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

Claim XXXX Wells Fargo XXXX wellsfargo card claims said I authorized billing charges on my card when I didnt. The car rental was presented the card for insurance to drive the rental car not for billing. They where suppose to charge the dealership under their warranty account as they work on my car. Wellsfargo wont reverse the charges even though the charges were supposed to be charged to the dealership.
Consumer complaint received 2022-08-19
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. (AL)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/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 2019-09-19
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 sent Equifax a letter on XX/XX/XXXX that they received XX/XX/XXXX. I asked them to verify some accounts or remove them immediately. In this letter I sent them a photo copy of my driver license, social security card and a copy of my XXXX ( utility bill ). They responded with a letter on XX/XX/XXXX saying they couldn't locate a credit file in their database with the identification information I provided. They asked that I send them a copy of my driver license and social security card, which was in the letter. I'm totally confused to if they even read the letter. They had 30 days the verify the inaccuracies or remove the items.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.
Consumer complaint received 2022-08-19
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. (AL)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/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 2022-08-19
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: LEXISNEXIS (PA)

I Attempted to access my LEXISNEXIS consumer file but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from LEXISNEXIS to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.