davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (CA)

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in 2018. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my Equifax account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Consumer complaint received 2022-03-25
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I received two checkbooks with two different accounts from TD Banks with my name and address indicating that I have opened up an account.

I called TD Banks and advised them that I do not know these accounts, and they instructed me to contact the fraud department. Someone may have used my identity to open an account online. I advised them most banks open an account online and asked for a photo id why it wasn't done. They couldn't give any answer but to call the fraud and report stolen identify.
Consumer complaint received 2022-05-17
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. (GA)

Account name : XXXX XXXX XXXX account type : credit card, Account name : XXXX XXXX, Account type : cell phone Account name : XXXX XXXX XXXX, Account type : credit card, Account name : XXXX XXXX XXXX  account type : collection, original creditor : XXXX account name : XXXX XXXX XXXX XXXX account type : collection, original creditor : XXXX Account name : XXXX XXXX, account type : collection Account name : XXXX XXXX XXXXXXXX, account type : collection Account name : XXXXXXXX XXXX XXXX, account type : collection n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-05-13
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. (VA)

In accordance with the Fair Credit Reporting act 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 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 a account without my written instructions
Consumer complaint received 2019-11-20
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: Bread Financial Holdings, Inc. (MA)

These are inaccurate. I hope you can help me get this corrected. 

Date Last Active : XX/XX/2019 XX/XX/2019 Date of Last Payment : XX/XX/2019 XX/XX/2019
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (WA)

I have made 14 payments to my mortgage company, Cornerstone. All 14 payments were made out to Cornerstone, sent to the same address, and have all cleared. Cornerstone shows only 13 payments. I've supplied the proofs of payment on every single payment. The payment that is missing is the one I paid on XX/XX/2020 for {$2900.00}. I've contacted XXXX XXXX, Sr. Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc. for help. She says in her research, the missing payment was found but told me no more except to call XXXX for more information. In calling that number, I spoke to XXXX who has no record of the missing payment. As well, my on-line payment history with Cornerstone 's website does not show the missing payment. I have paid Cornerstone {$2900.00} which they have kept without crediting my account and now the representative is claiming the problem is solved despite all evidence showing that nothing was solved. 

This is the contact information for XXXX : XXXX XXXX XXXX Executive Services Representative, Loan Servicing Cornerstone Home Lending , Inc . 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax Inc. severely mishandled my personal data, not putting adequate safeguards in place to secure my personal information. My information is now compromised, along with the personal data for millions of other Americans.
I am listed as a potential victim according to their equifaxsecurity2017.com website and would like a resolution.
Consumer complaint received 2021-10-27
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. (CO)

I co-signed for an auto loan with my son on XX/XX/2021. Before going to the dealership, I had approval from my bank, and they confirmed they'd be able to pull that authorization and deal with the bank directly to finalize the loan. While we were at the dealership awaiting the paperwork, my phone was going off with multiple e-mail credit inquiry notifications. 

I panicked and asked the salesman why this was happening, as I had approval from my bank and didn't authorization any additional credit pulls. They assured me they were only checking with XXXX XXXX  to see if there was a better rate available and not to worry, as by law these would all show up as 1 credit pull. I was surprised to find out last week that my credit report now shows multiple credit inquiries, which doesn't look good to any future potential creditors if I intend to do any more financing and furthermore impacts my line of work, as many of the contracts rely on clean reports on the soft pulls. 

I went into the credit reporting agencies to find out how to dispute these and have to mail them complaints as well as file it here, which is terribly time consuming.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On XX/XX/XXXX I paid the balance in full for my Walmart Rewards card with Capital One. I was attempting to rebuild credit and had been given money by family to pay off my debts and then I was using the credit cards to make purchases and then pay them off immediately or by the end of the month. Capital One decided to freeze my Walmart Rewards Card to verify that my recent payment and charges to this card were not fraudulent, and I sent in 60 days ( 2 months ) of bank statement from both checking accounts I was using to make payments to both of my Capital One credit cards. 

I mailed in physical copies ( XX/XX/XXXX ), as well as faxed ( XX/XX/XXXX ) in copies to Capital One 's Fraud Department of my bank statements. I had to hound them to get emails for links to upload directly to the Claims Department online that never worked. They never called me back despite being told multiple times they would. USPS said the envelope with these statements was delivered to Capital One on XX/XX/XXXX, and Capital One didn't upload the documents to my account and begin reviewing them until XX/XX/XXXX. I had called at least 1-3 times a weeek since the middle of XX/XX/XXXX checking on the status. When I called the week of XX/XX/XXXX, the agent I talked to said they approved my documents from XXXX XXXX XXXX XXXX but had denied my bank statements from XXXX XXXX. 

I was working for XXXX at the time and XXXX uses XXXX XXXX XXXX, a service provided by XXXX XXXX  for instant payout of earnings to XXXX Drivers. The top of the bank Statement says " XXXX XXXX XXXX, '' in addition to my name, address, and full account number that matched what Capital One had records of me making payments from. I had written the claim number Capital One had given me, as well as wrote a note at the top of the statement to look at the bottom of the bank statement where I had used a yellow highlighter marker around the statement that says " THIS IS A STRIDE BANK ACCOUNT. '' Capital Once refuses to accept that this is credible proof that the account is mine, from XXXX XXXX, and that the account number, name, address, and Capital One claim number is all the same as the records they have. They refuse to unfreeze my account and are expecting me to start all over and send them new information. What they have is correct information and its the same information they will get again. Their negligence is screwing up my access to my credit.
Consumer complaint received 2021-10-27
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. (IL)

I contacted all three XXXX, XXXX and experian. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX and Experian hasnt updated my credit since XX/XX/2021 XXXX still has old information on my credit
Consumer complaint received 2019-11-20
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. (MA)

What happened? 
RE : Social Security Number : XXXX-XXXX-XXXX  / To Whom It May Concern, In XX/XX/2018 I disputed an account reported by XXXX/XXXX  Account # XXXX in the file maintained by TransUnion LLC under my Social Security number. I was informed in or around XX/XX/2018 that the item was deleted from my credit report after I disputed it. Now I have discovered that the item has been reinserted on my credit report by C/O XXXX XXXX XXXX XXXX   XXXX XXXX Also showing as XXXX XXXX XXXX ( on my XXXX  Report ) under account # XXXX referencing XXXX XXXX. I am aware in accordance with the requirements of the FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), they are to notify me of the reinsertion in writing within 5 business days, however this is being inserted over a year later. I understand the requirements that this be reported to the consumer within 5 days but subparagraph ( A ) states if authorized but the consumer for that purpose, by any other means available to the agency. This account was throughly investigate and proven to be opened via fraudulent activity and XXXX/XXXX  was given ample time to respond to the evidence submitted to them. XXXX  deleted this erroneous account - which was also reported previously to the Consumer Financial Protection Bureau. FDCPA section 807 ( 8 ) and FCRA section Section 623 ( a ) ( 3 ). Makes clear that these agencies and debtor have 30 Days to respond to my dispute - not a year and 30 days, I disputed and had this account removed over a year ago after being proven inaccurate, unverifiable, not mine, and incomplete. The reinsertion of a legally disputed and deleted item under a debt collectors company on behalf of the same creditor is completely illegal and I hereby demand that it immediately be re-deleted from my credit report. It is a blatant violation of the FCRA & FDCPA I am reopening and submitting my compliant separately the Attorney Generals Office, and the XXXX. XXXX XXXX XXXX-XXXX-XXXX  XXXX  XXXX XXXX XXXX, XXXX MA XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

According to my Experian and XXXX reports, on or about XX/XX/XXXX - there was a credit card listed as XXXXXXXX XXXX, then it was sold to XXXX XXXX, both of whom I never heard of. XX/XX/XXXX - I submitted a police report to both bureaus when I found this information in my credit files. The information stayed on the report, regardless of countless phone calls to both merchants. I, then filed another dispute XX/XX/XXXX to all three credit bureaus and then I sent a letter to XXXX XXXX as well. This account was written off as a profit and loss account. This is not acceptable, nor is there any truth to me having such an account. 

In XXXX, I contacted XXXXXXXX XXXX, and they stated they didn't have an account with me, nor did they know who I was. I sent this information to the credit bureaus again ; however it has not been removed and it is hurting my credit score and history. I have impeccable credit - no lates, yet this {$120.00} continues to be a hassle on my credit report. The Report Number is XXXX and I am demanding they remove this item, effective immediately and they not ever post the lies and defamation to my account. 

Thanks in advance, XXXX XXXX!
Consumer complaint received 2022-03-25
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. (LA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.Unauthorized use of my report.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Enterprise Acquisitions (WI)

XXXX XXXX XXXX XXXX a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FORD MOTOR CREDIT CO. (MN)

I was incarcerated at the time of 7 credit cards opened up in my name n my car insurance fax ford credit two days after my car was smashed ( stolen ) n told them they were paying off the loan which they did n the white bear XXXX have fauld. Papers n keep my extensions warranty n said it was bad credit I lost {$17000.00} n the credit.cards on top of that n the {$2500.00} warranty n my father just passed away if cancer n u guys have my birthdate wrong n some of the XXXX spelling. What else do u guys want I please help me with this cause I dont. Have nothing beside a nice union job but XXXXm afffraid Ill loss it if they do credit check n then I have nothiimg to lisss thank u
Consumer complaint received 2021-10-28
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. (LA)

I have noticed some incorrect accounts and inquires showing on my credit report. According the FCRA code 15 U.S. CODE 1692e- false or misleading representation. This is a serious violation and I am requesting for you to delete immediately to avoid legal actions for violations.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Subject : Final Appeal To Remove Unauthorized Hard Inquiries from Credit Report. 
To whom it may concern, I told Equifax Credit Reporting Agency in my last correspondence on XX/XX/2024 that I did not recognized these Unauthorized hard inquiries on my credit report. I asked Equifax Credit Reporting Agency to remove them. I sent them all the proper documentation and several FTC reports to Equifax as they requested. and still refuses to ignore me trying to correct wrongs on my credit report. I have attached the final FTC Report for Equifax Credit Bureau. Equifax has continue to violate my consumer rights by ignoring and hanging up on me to try to rectify this ongoing situation.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CO)

Loan originator, XXXX XXXX XXXX ID # XXXX was unresponsive and misleading in describing cost associated with refinancing mortgage held with existing lender ( Freedom Mortgage, NMLS ID # XXXX ). Process was initiated in late XX/XX/2021 and concluded in early XX/XX/2021 when I declined to close without an explanation of closing costs that were added to loan without disclosure. 

Throughout the experience, Freedom Mortgage and their associates were unresponsive to multiple calls and emails
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

XX/XX/2021 {$260.00} {$260.00} Ive disputed this collection multiple times, yet it has not been deleted as well as being on my report twice. National Credit Systems has furnished inaccurate information to the credit bureaus, and the credit bureaus have furnished inaccurate information to my consumer report without thorough investigation or my consent. This collection is on my report twice, and is in-fact incorrect. This was a joint account, the application fee & administrative fee were PAID, we were denied due to a background check, yet they are saying we owe something for moving out before a term was up when that never even occurred!
Consumer complaint received 2022-03-25
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!

2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately! 

3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX This is identity theft, please remove this inaccurate account immediately!
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (VA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, theASPEN COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-03-25
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. (IL)

I have several accounts opened in my name on my credit reports in which I have followed the dispute process and all have been asked to be removed and that I claim 0 responsibility. This is all accounts except for my active XXXX account thats not listed, my XXXX XXXX  credit card, pretty much what I havent disputed is fine. I need these items removed immediately for it is impacting my credit worthiness and has been impossible for me to apply for anything. 

Thanks XXXX XXXX XXXX