davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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. (MN)

XX/XX/2020 I have been trying for nearly 3 weeks now to get my freeze lifted at Experian. It is next to impossible to get to a live person through any of the multiple numbers listed on their website or those listed on XXXX. Their interactive voice response ( IVR ) and/or automated caller detection ( ACD ) system also makes it impossible to get a freeze lifted ( or placed ) - let alone talk to a human. The first two weeks I tried calling these numbers - their system kept cutting me off with " I'm sorry, I didn't get that ''. Dead-end. I was finally able to retrieve my lost PIN code about a week ago using their website after jumping through enough hoops to establish my identity. I have since tried multiple times per day to call using my PIN code as well as use their website to lift my freeze. However, even with my PIN code - the only thing I can do to lift my freeze was to snail mail multiple documents to their PO Box in XXXX TX. I need the freeze lifted ( ASAP ) in order to proceed with a possible mortgage refinancing. I sent my letter to their PO Box on Saturday, XX/XX/2020 via USPS express mail. It is now close of business 3 business days later - and my account is still locked. My letter should have landed in their PO Box Monday, XX/XX/2020. I frequently lock and unlock all 3 of my credit bureau accounts and have NEVER experienced any thing as frustrating as this. I thought that after the Experian data breach - Congress had passed new legislation ensuring the bureaus made it easier and FREE to process these transactions. It seems that this egregious behavior on the part of Experian should be illegal. Seems to me that if I were a subscriber or paying customer for one of their 'services ' this would not be an issue.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received an email from Wells Fargo stating that the application that I had put in for an account was approved and what the next steps would be. I never signed up for a Wells Fargo account recently so I knew something was wrong. When I opened the application that was in the documents, someone had filled out the entire thing using my information ( Social, DOB, and a old address and phone number for me ). I've never felt so vulnerable. 

I contacted Wells Fargo this morning and have filed an Identity Theft case.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C/C Financial (GA)

I work for this company. I am filing this complaint on behalf of the customers with Merchants Preferred and XXXX. These companies are violating several laws. Merchants Preferred is taking payments days early without letting the consumer know. And XXXX has customer calling about unlawful acts that their workers are doing to the consumer. I don't know who to contact to try to stop these unfair acts. What needs to be done so that these customers are treated fairly.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-07
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)

I sent a letter onto remove items that is 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 items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-21
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. (OH)

A XXXX XXXX for Bank XXXX XXXX occurred on XX/XX/2022 on my Experian credit report. I was notified by my credit card company XXXX about the inquiry that I did not make.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 15 U.S. Code 1681s2  - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX
Consumer complaint received 2022-03-21
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. (TX)

XXXX XXXX XXXX XXXX Account # XXXX {$60000.00} Auto loan Section 807 False misleading Experian is reporting OFFICE OF THE ATTY GEN Account # XXXX Section 807 False misleading {$720.00} Experian is reporting OFFICE OF THE ATTY XXXX Account # XXXX Section 807 False misleading {$11000.00} remove all inquiries Listed below XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Failure to respond satisfactorily within 5 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau
Consumer complaint received 2020-02-12
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: Experian Information Solutions Inc. (WA)

I am a victim of the XXXX  data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. 
Thank you
Consumer complaint received 2020-02-12
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: EQUIFAX, INC. (WA)

I am a victim of the Equifax data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at

all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. Thank you
Consumer complaint received 2021-04-14
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)

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I got a fraudulent message pretending to be from chase bank saying my account was compromised and a transaction of about {$200.00} was made from my account and I was told to respond " No '' in order to stop the transaction. I responded to that message and I immediately got a call from the number " XXXX XXXX XXXX XXXX " this number almost looked similar to the chase customer service number so I wasn't detecting any suspicious activity at first. This person then told me my account information was compromised and there was another unauthorized transaction of about {$2000.00} about to be made from my account. In order to stop that transaction from happening I was told to remove the Primary contact information on XXXX from my phone number to my email and then was told to transfer {$2000.00} to my number itself. As soon as I did that I checked my transaction history on my chase account and noticed a transaction of about {$2000.00} was made to myself under my name. I also got a message from the XXXX XXXX saying a transaction was made. I do not have an account in region 's bank. Additionally I had also read about this XXXX XXXX happening to a lot more people and have also attached a link to a news article for your reference. 

https : XXXX
Consumer complaint received 2022-12-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have not lived at XXXX XXXX XXXX since XX/XX/XXXX and Hunter Warfield put on my credit that the debt was opened in XX/XX/XXXX for an eviction. I haven't received any documentation and I am not sure who lived there in XX/XX/XXXX but I can prove I haven't live there since XX/XX/XXXX.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2022 around XXXX I went to a bank of America ATM located XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I deposited {$250.00} to pay my bills with. The machine/ATM said it could not take some of my bills and spit out. 1 {$5.00} bill and 1 {$1.00} bill. The ATM still has my cash, an error occurred screen stayed on " plz take cash '' wouldn't give me my card our change screen. I called the bank within minutes. As I'm on hold 2 XXXX American women that were waiting on me to get out said the same thing happened to them when I told them what was going on then after waiting at the ATM for 5 minutes it spit out my card I put my card back in to check the balance as two women said the ATM didn't credit them. Also an XXXX guy came to the ATM I told him what was happening with the ATM, he also stated this problem has happened to him as well. The bank is saying it can take up to 15 days to get my hard earned money. My bills will be paid late, and I will be charged interest. The bank refuses to have a technician go to the ATM to check it out after spending an hr and 15 minutes getting switched and put on hold. This ATM has exactly 4 {$50.00} bills, 2 {$20.00} bills, 2 {$5.00} bills and 3 {$3.00} bills Equaling {$250.00} needed to pay my bills. Total deposited {$250.00} - {$6.00} returned Equalling {$250.00}.
Consumer complaint received 2022-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in XXXX, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (TX)

My SoFi checking account was frozen for fraud protection over a month ago and when I try to get in contact with them it directs me to call the fraud protection team. When calling the fraud protection team it tells me that they are busy and to leave a message and the will get back to me shortly. Leaving a message is the only option and after leave messages everyday for over a month I have yet to speak with anyone or get a call back and can not access my funds
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States XXXX XXXX for XXXX XXXX XXXX XXXX New York against XXXX XXXX XXXX, an indirect auto lender that funds and services car loans for subprime and deep-subprime consumers. This company already has a civil lawsuite. 
Docket number XXXX  Initial filing date XX/XX/XXXX I have a car I purchased and my loan is also through them I wanted to get my loan amount lower do to a hardship and it cant because on my credit report they have it listed as {$17000.00} and on there website they have the remaining balance as {$29000.00} which they are saying the purchase amount was {$31000.00}. when questioned the lady stated this is the value of the car at what is owe no all my paperwork states different. I would have never purchased a care for this amount that's used. a XXXX that's crazy. I need help with a formal lawsuite so they can't take my car and owe me for which is setting me up to never be able to pay them off.
Consumer complaint received 2021-04-14
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)

There are XXXX accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (GA)

Step 1 : What is this complaint about?

Inaccurate credit reporting.

Step 2 : What type of problem are you having?

Mr. Cooper 's mortgage company reported my second mortgage as delinquent which affects my ability to buy a new home. I tried to work out the problem but their agents are not responding to my emails or phone calls.

Step 3 : What happened?

In the proc
ess of trying to refinance my loan with Mr.cooper, a loan officer told me to stop making payments on my second mortgage. Then, they turned around a report me as delinquent on my payments.

Step 4 : What company is this complaint about?

Mr. Cooper mortgage or Nationstar Step 5 : Who are the people involved? 
Loan officer XXXX XXXX.