davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (GA)

Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-04-15
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. (SC)

I, XXXX XXXX, never gave EXPERIANXXXX XXXX any written consent to report anything on my consumer report. I have already tried to solve this issue with EXPERIAN/XXXX XXXX by sending them correspondence on XX/XX/2021 and here it is XX/XX/2021 still no response. I did not request this block in error and if I, XXXX XXXX have received goods or services please have a senior executive send me a letter notarized under the penalty of perjury stating that I have received goods or services as a result of these alleged transactions in which I was not present for. Again, I did not consent, authorized 15 USC 1681b ( 2 ) nor benefit 15 USC 1602 ( p ) from these alleged transactions being reported.
Consumer complaint received 2022-07-06
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. (IL)

For the past XXXX XXXX years, I have built my credit to XXXX with no late fees, established credit and below XXXX XXXX  utilization on all cards. 

After working hard to get my credit score in the XXXX 's Transunion dropped my credit to XXXX, dropping my scoreXXXX points for an items they claim dated back from XXXX. This item is not only old, but nothing new was added to this account causing this to be the issue. There were no other justifications to why each time I build my credit up, Transunion takes the points away stating it's from the past ( over XXXX years accounts ) affecting my credit score. 

No one from TransUnion can explain why I have the ability to build my credit score up, and keep building it up - only for Transunion to come and take the points away over and over again due to past accounts that are extremely old. 

Additionally, I am locked out of my Transunion account and told to wait 7-10 business days for the a mailed copy of my report. 

In the past XXXX  months alone Transunion dropped my score XXXX times, just because I used my credit card. I was not late, nor over the balance, or over utilization. I've called several times asking why each time I build my credit score up, why does Transunion drop my score so extreme with no answer. Transunion continues to drop my score, but never gives the actual reason for such a big drop. 

I can not sustain my finances with this consistently occurring. I am asking for a investigation into this as I feel I'm being discriminated against.
Consumer complaint received 2022-10-11
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. (NH)

XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (WA)

We refinanced from NewRez aka Shellpoint to XXXX XXXX in XX/XX/2020. The loan was originally under my father 's name and I had automatic payments out of my account. When we refinanced we switched it to my name. NewRez accepted the payment from XXXX XXXX  to close out the loan. They did not reject the XXXX XXXX wire due to a shortage is there is one that they are claiming. Since then they have been trying to charge thousands of dollars of payments for a mortgage we no longer have with them. I have contacted both parties and am getting no where. NewRez keeps blaming XXXX XXXX  for being short, I have history of statements, closing, payoff statements. I am tired of spending hours on the phone getting no where wasting my time and need some help. I have made multiple calls to Shellpoint and spoke with different supervisors having to reexplain the story every time.
Consumer complaint received 2022-07-06
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-13
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. (PA)

I requested my credit reports from each of the 3 national credit reporting companies through XXXX on XX/XX/2021 and received two of them. The one from Equifax, however, has been impossible to secure so far. I prefer to get the reports online because I find it more secureIve had issues with the mail before and they contain very sensitive information. 

When a consumer is requesting the Equifax report, they are asked a few questions. The answers have to coincide with the information in their report. The problem is that none of the questions applies to the person making the request and, accordingly, they have to select something like none of the above for every single one. So the company denies access to the report for security reasons this happened to me and two relatives. 

I then made the request by phone. After that the company sent me a letter asking for a copy of personal documents containing my address and full social security number ( see the attached letter ). I sent the documents back through Certified Mail and the company got them on XX/XX/XXXX ( see the screenshots from USPS tracking tool and Certified Mail receipt ) ; but I never received the report. I dont know whether or not the report was sent or if it was lost. They have managed to make the process of getting a credit report at least the free report harder and less secure at the same time. And, at the end, the consumer may not get it at all. 

A message in XXXX says we can obtain free weekly online credit reports. But I have been unable to get my report from Equifax for more than 3 months. I have contacted the company, but to no avail. The last time, on XX/XX/XXXX, they told me they didnt receive the documents I sent them in XXXX, which is obviously incorrect. The biggest concern for me is that I dont know how they are handling this highly sensitive information. 

Thank you for your attention.
Consumer complaint received 2022-07-06
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. (NC)

I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-03-21
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 am a victim of identity theft. My information was included in the XXXX XXXX XXXX data breach. I recently discovered several accounts that are fraudulent and since have contacted the credit bureau several times. 
Experian report # XXXX The accounts are XXXX ) Consolidated XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX I filed a report with the XXXX  XXXX XXXX for identity theft and also included my drivers licence and social security card and my request was completely ignored. 
I would like to exercise my rights according to the XXXX 15 U.S.C 1681
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TN)

Have been attempting to resolve a fraud report since XXXX. {$290.00} was stolen from my XXXX account linked to the bank before XXXX disabled my account for fraud. Navy Federal Refuses to assist as they claim there was no fraud even though they were the ones that confirmed XXXX disabled the account due to fraud. 
Every report I have submitted here has provided me with a number that the supervisor purposely ignores, or in the most recent XXXX, the number is not a valid, active number.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

Im writing about the following data that appears on my credit report from MacysDSNB. This collection company is reporting a debt on my XXXX, XXXX, and XXXX report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating I owe this account or company. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX  days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mnet Financial Inc (VA)

They call me late at night early in the morning weekends days and nights I have XXXX XXXX AND ANY STRESS CAN CAUSE ME MY LIFE. I dont owe this company anything and they are harassing me please help me
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, a scammer called me using a spoofed Citibank number ( which I didn't know was a thing ). He convinced me to 'refund me ' via XXXX XXXX but he unlinked my number and replaced it with another account. I lost XXXX XXXX There is no way to cancel the transaction. 
I feel Citibank and XXXX let me down by not providing clear instructions about what their employees can request ( PIN, socials ) ; not warning people about spoofed phone calls and maintaining their transfer services despite fully knowing there was an ongoing fraud wave. 
At a bare minimum people should be made much more clearly aware of such risks before enabling XXXX transactions.
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

I have a situation with about amerifinanancial solution I never have any contract with them and my personal information are liked to them I say that not me I would like they enforced them to remove my personal information to them I see I owed them More than XXXX $
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUHOME SOLUTIONS, LLC (FL)

I got approved for a conventional loan through XXXX XXXX XXXX  at a low monthly payment and low interest rate then signed the XXXX XXXX legal documents they sent me to lock in those rates and they ended up changing them twice since then increasing them significantly and claiming they legally have to update the rates when the federal rate increases which is completely false to my understanding and they are trying to pull a fast one on us because we are first time home buyers
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WLCC (MI)

Due to a financial crisis, a title loan was taken out with XXXX XXXX XXXX XXXX. 
1. I have since lost my employment at the XXXX   XXXX XXXX  ( XX/XX/XXXX ). 
2. I have just recently gained employment, making 1/4 of my previous salary.

3. Original amount of loan {$1700.00} apx XX/XX/XXXX. 
4. Amount paid to date ... .over {$8100.00}.

5. I have attempted numerous times to contact the company to find a mutually agreed upon way to pay this off which is unsuccessful as I'm not able to speak with them. 
6. I am not able to afford {$600.00} per month for this loan.

7. emails and phone calls are unsuccessful. Emails direct me to call, which goes unanswered.

8. I personally feel this loan should be considered paid in full. 

This feels very much like preditory lending at it's finest.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received emails from Bank of America about an account being opened. I called and spoke with several employees about the fact that I never opened an account with Bank of America. Bank of America refuses to close my account unless I provide a copy of my social security card, my drivers license, bills, proof of residence, spoofing, malware, a copy of my social security statement. I am outraged The original person who opened up this fraudulent account did not provide all of this information Bank of America opened. I have also wasted XXXX days being on hold for at least XXXX XXXX hours to have the refuse to close this account. The other problem is I have my credit account frozen and fraud protection on it before this happened so Bank of America never contacted me before opening this account to a fraudulent person. I want my account to be closed so there is no further actions taken without my consent.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In 2021 XXXX XXXX placed a inaccurate debt of my credit account. They are saying I owe {$100.00}. I called Experian & XXXX XXXX to get this removed from my account & they have failed to do so. This account should have never been placed on my credit report. I had no knowledge of this account to begin with.
Consumer complaint received 2022-02-13
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (OH)

I have filed a previous complaint but jhave NO RESPONSE from CFPB and PayPal XXXX No one has gotten back with me! You just cant close the case without and response from PayPal and or CFPB?
Consumer complaint received 2021-06-13
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: TD BANK US HOLDING COMPANY (ME)

My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was TD Bank/Target. I do not have/use a Target credit card. ( the other was a XXXX/XXXX account ). XXXX was very good in responding but Target continues to show as delinquent on XXXX, XXXX  and XXXX. 
I would like the Target charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to TD Bank but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 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 2022-03-21
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an XXXX report just like the bureau requested before and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2021-02-18
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. (AL)

I keep sending letters to Equifax to fix an account that is wrong on my credit report. The account with XXXX XXXX was paid in the summer of 2020, but Equifax has the account reporting as derogatory. It is not showing that the account is paid. I need to get this fixed.