davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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)

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, XXXX and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, XXXX  address found on my credit report.
Consumer complaint received 2022-03-16
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. (GA)

I was victim of identity theft a year ago and i file a FTC report ( in the attachment ). The fraudulent account is XXXX and was opened in XX/XX/2021 in XXXX, XXXX and I NEVER BEEN TO XXXX. I file a FTC report and i also wrote a letter to the consumer report agencies but it was never removed and they has not replied to me and frankly they are ignoring me BECAUSE IT IS BEEN MORE THAN 30 DAYS. 
Also my name and address were modified in my credit report and i need the consumer reporting agencies to DELETE that fraudulent account ( XXXX ) immediately and fix my name and remove the XXXX, XXXX address found on my credit report.
Consumer complaint received 2022-03-16
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. (TX)

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-08
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. (AZ)

The Equifax breach has exposed my personal information to the public, leaving me vulnerable to scams, identity theft, and fraud, in addition to countless hours of work trying to mitigate the damage and protect myself, having to prove to creditors that my identity has been stolen, and further unpredictable hours of work and stress caused by this breach. 

Equifax should not have the opportunity to store any of my information without my permission. The entire concept of me having no say over who has my information and what they do with it runs counter to what I would like to think Americans believe is their right to privacy. It is already bad enough that we have no control over this practice ; the idea that the companies entrusted with this information are not competent is really a step too far. 

The US Government should immediately restrict Equifax and any of its subsidiaries from any access to Americans ' private information. Banks, who are sure to suffer immeasurable losses from fraud caused by this breach, should cease all relationships with Equifax. Finally, Equifax leadership should be stripped of power and held liable for the breach they did not work hard enough to prevent.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MD)

On XXXX XXXX, 2015 I received a notice from EXQUIFAX stating the following : " As you requested, we successfully placed an initial fraud alert on your EQUIFAX credit line. " I HAVE NEVER requested EQUIFAX or any other bureau to place any such fraud alert on my report ( s ). By what right have they do even allege such a thing without my requesting it to be done?
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe them.
Consumer complaint received 2019-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX  on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it.

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the XXXX was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I had to be informed by the media and news that my information was compromised from Equifax rather than by the company itself. If I was not watching the media I would of not known that I was at risk. They mishandled my information which puts me and millions of other people at risk. The method of finding out even compromises my legal rights. I am a victim according to equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (NC)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2022-03-16
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. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-09-08
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. (PA)

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

On XX/XX/XXXX my early payment for Freedom Mortgage disappeared. At this time I was trying to get another mortgage through XXXX.Because Freedom Mortgage was charging me for an escrow shortage plus 850 XXXX Though they couldn't explain to me why there was a shortage in my opinion thats fraud.I was told I did not make the payment and had late payments.They told the new mortgage company I had several late payments fees.Once went to my bank and proved I made th payment they started telling me they put the whole payment toward the principal .But when I got my XXXX statement it clearly showed that they put it in an unapplied account until I got a late fee .Then they dispersed they payment into my account. I copied all there records that show all there mistakes before they erased them from there records.By the end of XXXX I was down to 1 late fee Freedom 's agent told me that if I paid the late fee plus escrow shortages for XXXX, XXXX, and XXXX I would be totally caught up.So I paid XXXX on XX/XX/XXXX XXXX XX/XX/2022 myself the new mortgage and Freedom Mortgage got on a 3way call to prove I was caught upand with only one late fee.The first thing Freedom said was this is an attempt to collect a debt for XXXX $ .I said no I just paid you XXXX 4 days ago for XXXX and was told I'd be caught up.The lady said she'd have to check on it but would answer the other mortgages questions.The other mortgage asked if I had nonpayment or 1 late fee.Lady said yes then no nonpayment or late fees.He asked the same question again she said no ( Now I just paid a late fee with that XXXX, a latefee that that no longer exists except on my credit report the only bad thing on it ) .Then he asked does he have any late fees 30 days or more she said no.She hung up he knew it was bull because he said I can go in and take that late fees off your recordsI thanked him.Lost the mortgage reason was to many late payments main reason.I only have one late payment on credit report Freedom Mortgage. I copied all there info off the computer before it changed.a week later I talked to aguy from Freedom Mortgage and he told me thathe XXXX payment went to principal as read to him off my statement he ignored it.He told me I don't know what to tell you .I said I paid 13 payments in 13 months I paid early and more that I was supposed to but I owe XXXX? He said you owe a 14th payment for13 months and if you don't pay it they could take your home.I talked VA mortgage Friday the XXXX, she called me Monday XXXX sent everything I sent her and asked questions to Freedom. The only answer she got back was XXXX XXXX is up to date his next payment is XX/XX/2022. If this isn't wrong and against the law something is really wrong with the law.It has my paid in overdrive.
Consumer complaint received 2022-05-05
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. (CA)

To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXX  on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from XXXX, XXXX and Transunion. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.
Consumer complaint received 2022-03-16
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My XXXX XXXX XXXX Mortgage is not reported on my Transunion bureau. I have made multiple phone calls to Both XXXX XXXX and Transunion and filed disputes in an effort to get this corrected. XXXX XXXX states it is a Transunion issue and Transunion states its a XXXX XXXX issue. I am stuck in the middle and can not get resolution. This has been an ongoing battle and I am at a loss on how to correct this. My XXXX XXXX home mortgage is being reported on every other bureau except for Transunion. Transunion refuses to help and sends me back to XXXX XXXX and XXXX XXXX sends me back to transunion. For regular consumers we are at the mercy of big lenders and all the reporting agencies. Who is there to help the consumer? No one wants to step up and actually do anything and this has affected my ability to purchase a car, etc ... ... Any assistance would be greatly appreciated. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (AR)

Equifax leaked my info in one if the largest leaks of its kind. It seems my SSN and other info was stored in PLAIN text. This security breach was 100 % avoidable with proper security practices including salted hashes which it seems were not employed.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

My information was compromised in a security breach, and I am a potential victim according to XXXX. Ridiculous that a company that handles extremely sensitive information can be so careless. The fact that I have to pay to freeze my credit is XXXX, I did not cause this so why do I have to foot the bill? It may only be a few dollars, but Equifax is making millions off consumers.
Consumer complaint received 2018-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc (CA)

XXXX XXXX did not record a Accommodation Recording Deed. The XXXX XXXX XXXX Recorders Office informed me that my property was purchased by my partner and and the Accommodation Recording never happened. In fact the Recorders Office claim that when I added my partner as a Joint Tenant several weeks before I removed my name from the Deed that I was paid {$75000.00} and when I removed my name from the Deed at the request of the mortgage company we used to refinance my property in order to purchase a second property the Recorders Clerk explained that I was paid {$170000.00}. I explained to the clerk that the {$170000.00} was the amount we borrowed on my property. The Title Company who did the escrow for the property we bought reviewed the Deed and assured me it was a refinance not a purchase price. My partner passed away without a will and borrowed {$95000.00} on my original home so we could purchase a third property. I never received any money for my property or sold my property to my partner. We had an agreement that he would remove his name as Joint Tenant on a fourth property, which is my primary residence and I would release ownership to the first property I owned solely ( the one we refinanced several times to purchase other homes ) My partner choose not to remove his name as Joint Tenant. The Recorders Office is making a claim that is not true. XXXX XXXX was purchased by Fidelity Title and claim they have no records for XXXX XXXX. Other XXXX XXXX Offices claim they can not help me. The fact that the Recorders Office claims my property was sold, than fraud was committed against my ownership. I understand that Deed Fraud is not rare and home owners do not become aware until they plan to sell or make a change to their Deed. I am claiming ownership to these properties, but fear I may lose my ownership rights. Who do I contact for help. Who investigates fraud claims.
Consumer complaint received 2022-03-16
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. (TX)

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase bank bought my mortgage right before I was to pay it off.
My wife died the financial crisis was on and Chase sent me a bill to my address for a different house. They claimed they owned my mortgage but I told them it was the wrong mortgage. The amount i owed was wrong, the id number was wrong. I made double payments the first two years of the loan, we had payed it down to {$50000.00}. So 9 years ago they said I owed more than {$15000.00} by more than double. I tried to refinance several years ago to get some money out so they could fix their error but they gave the money to themselves so I cancelled the refinance. but they went on with it like I didnt refinance the house. last year they started double withdrawing even if i paid it externally. The chase bank representative said to let the automatic withdraw remove the money. So I listened to him. Then I noticed that they were n't auto withdrawing. They said it was paid off at another Chase Bank so I thought they corrected the error. No they started sending me letters from a XXXX XXXX XXXX. Saying I owed them {$40000.00}. No way I would owe them less than {$5000.00}. Ive called them several times, they keep asking about a credit card. I put a stipulation 6 years ago that I could never have a credit card because a false application came across, now they are saying Im owing for a credit card I gave them instructions not to allow, so they refuse to talk to me about my mortgage. And now they are foreclosing on my house. I think its because Im a veteran. please help!