davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Consumer complaint received 2023-04-05
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. (GA)

1. XXXX XXXX, HEY THIS ACCOUNT ( XXXX XXXX ) HAS BEEN ON MY CREDIT REPORT MORE THEN 7 YEARS AN THE OPEN DATE REPORTED IS INCORECT.
Consumer complaint received 2020-02-20
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. (MO)

XXXX XXXX XXXX ' not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine
Consumer complaint received 2020-02-20
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me our a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$780.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX / XXXX / {$1200.00} XXXX XXXX XXXX XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1100.00} XXXX XXXX XXXX/ XXXX / {$1000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX  ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX  ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-11-04
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. (TX)

I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXX XXXX XXXX XXXX : amount XXXX there are also inquiries that i noticed that do not belong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that there is a incorrect address on therewhich is XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP (TX)

My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX bank issued an unauthorized credit card with no signature on an account. XXXX XXXX XXXX bank submitted fraudulent contracts to support claim. I am a victim of banking " cross sales '' tactics which are illegal and currently under investigation at XXXX XXXX bank.
Consumer complaint received 2021-02-17
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)

I pulled my credit report last month and noticed their are some accounts on my report that I do not recognize. I did not benefit from the accounts in any way nor did give anyone permission to use my information.
Consumer complaint received 2020-02-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Opportunity Financial, LLC (FL)

I do in fact owe this debt. I am experiencing a financial hardship. However, i am experiencing phone calls after XXXX XXXX. daily. As well as calls mulitple times throughout the day. This is unprofessional business practice. I have informed you to stop calling after hours. If this does not stop i will file a cease and desist.
Consumer complaint received 2020-02-20
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. (PA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The Accounts im disputing are - XXXX XXXX XXXX/XXXX XXXX   Account # XXXX Amount {$510.00} - XXXX XXXX Account # XXXX Amount {$4900.00} - XXXX XXXX XXXX # XXXX Amount {$4100.00} - XXXX/XXXX Account # XXXX Amount {$1600.00} - XXXX XXXX Account # XXXX Amount {$8400.00}
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

ON XX/XX/20 I submitted a payment for {$100.00} in which they claim a computer error deducted. {$180000.00}. I called CITI XXXX about this payment process on XX/XX/20 was given a confirmation.number XXXX.Made two calls since one on XX/XX/20 spoke to a XXXX Supervisor was told it would take 10 days..Afterthe frist call on XX/XX/20 it would only take XXXX to 7 days to return funds to my account. Last four of credit card is XXXX Check noXXXX please investigate this manner Thank You
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

In late XXXX I had a hardship due to the hurricane that year. I called Wells Fargo and was given a work out plan. Instead of them putting the missed payments at the back end of the loan which other companies did they lengthen the process offering a modification which would have further extended my loan to a 40 year loan with a 6.75 % interest rate. When I declined the modification they explained over the phone that if I made payment and was behind just 2 payments it would avoid foreclosure. I expressed to the representative that I would make the payments which I did. I made two payments within two week of speaking to the representative. A few days later my payment was credited back to my account and I realized that something was wrong. When I called Wells Fargo I found out that I was in foreclosure. The representative had given me incorrect information and submitted foreclosure proceedings, in my opinion because I did not accept the modification which would have ultimately made the bank more money. Over the course of XX/XX/XXXX - XX/XX/XXXX I spoke with numerous representatives, most of them gave me conflicting information. An investigation was done and the Bank admits that I was given incorrect information but was not willing to accept responsibility or take my home out of foreclosure. I was harassed by people with my information and attorneys who wanted to either purchase my home or help me avoid foreclosure. Ultimately I was able to borrow money and pay almost XXXX which originally started off as few payments of almost XXXX. I would like a full investigation into Wells Fargo 's practices. They have been known in the past of shady practices and they obviously have not changed, they continue to take advantage of customers at their most vulnerable time. Please investigate the mortgage practices of Wells Fargo. I am expecting that this matter will be resolved
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (AZ)

***PLEASE REVIEW, URGENT INFORMATION REGARDING THE PRACTICES AND TACTICS OF COMMONWEALTH FINANCIAL***** I have never before in my life had an agency that is so incompetent and downright sleazy than this debt collecting company. Upon first review of looking up this company - immediately red flags. No one says ANYTHING positive about them, and for good reason. Let me tell you my story - I owe XXXX $ on a medical bill that I could not afford at the time. This bill went to collections, where Common Wealth Financial inherited by account. Upon first contact with them, they were aggressive, unprofessional, and exceedingly degrading. They were telling me, the customer, upon first contact, that not paying medical debt is illegal and that the account will incur interest with them, and that I needed to pay 1/2 of if off immediately to avoid more fees/other charges. They would not allow me to set up a payment plan - they told me that since my balance was " low '' for medical, that my treatment wasn't that extensive and that I should be able to pay it off since I'm " better now. '' This is so absolutely degrading and unprofessional and how they are still allowed to operate is beyond my comprehension - I am sure that this account, my story, is one of thousands since many people that I personally know can attest to the treatment that this " company '' is known for. 

I am not asking for my debt to be cleared. I am not writing this because I am upset about the debt. I am upset at the blatant disregard that this company has for the individuals that it is supposed to serve. Please look into this very closely. I am currently thinking about getting attorney representation for this. No one should have to go through this, and maybe with all of these accounts of negligence, they can finally be held responsible for their malpractice.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

I called Citi Bank to close my XXXX XXXX credit card because I am unwilling to pay a $ 99 yearly fee for the card. I called XXXX on XX/XX/2021 at XXXX XXXX. I was told that the fee could not be refunded. I asked to speak to a supervisor who was very rude and refused the request. He insisted that he would not refund the {$99.00}. I asked to speak to his manager and he kept insisting that I am speaking to a manager. I said that you are not helping me and I want to take it to the next level. He continued to refuse the request. I then asked if Citi has an Escalated/Executive client relations area to call when customers are not satisfied. He said no such area exists. I repeatedly said that I find it impossible to believe a bank of the size does not have a client relations area. He curtly said no we did not I said that this would not be the last he would hear of this and I hung up. The manager 's name was XXXX and his operator number was XXXX. 

I would also like the daily phone calls form Citi to stop trying to collect the {$99.00}.
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX XXXX {$41.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-02-20
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. (AR)

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} XXXX   XXXX
Consumer complaint received 2020-02-20
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. (AR)

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX {$210.00} XXXX   XXXX
Consumer complaint received 2020-02-20
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. (CO)

CROOKED NOT HONORABLE COMPANY!!! 
LIES, LIES AND LIES. I've contacted this company in XX/XX/XXXX, and told them that if they are going to do hard credit pull before showing me possible terms, I am not interested. 
The case was closed. about 3 month later Hard credit inquiry appeared on my credit, without my consent or knowledge.

Today XX/XX/XXXX After contacting them and speaking to Manager XXXX, I was told pretty much that they reserve the rights to pull my credit anytime, and without my consent, which is ridiculous and not acceptable. 
I want unauthorized inquiry removed from my credit report, and all my personal records destroyed and removed from their database. 
My credit score dropped due to such unauthorized inquiry. 
Dishonorable company!!!
Consumer complaint received 2020-02-20
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. (VA)

In XXXX XXXX, something changed on my credit report at Equifax. 
XX/XX/XXXX - I first learned of these error ( s ) while obtaining a mortgage.

I lost the house as no info. was reported due to the error ( s ) I immediately contacted all three credit reporting agencies and learned XXXX and XXXX had my information in good order but Equifax did not. Equifax refused to tell me anything about my credit as " I failed their verbal test '' to identify myself accurately. Of course, I furnished my accurate info. but something did not match their records. I asked how to fix the error ( s ) and was told the only way was for me to fax personal info. to them. They said they would accept no secure method or any through which I could prove delivery/ ( a lie ) After 27 hours of phone calls with Equifax , they confirmed my critical documents were lost. I sent them again to start over. Equifax 's info. and procedures seem inadequate, antiquated and ineffective. I have made no progress and have no credit or house. I am a non-person.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

FirstPoint Collection Resources Located at XXXX XXXX XXXX   XXXX, North Carolina XXXX, USA Is in violation of 15 U.S.C. 1692-1692p Againts ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )