davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
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. (TX)

I am writing this due to non-compliance with the credit bureaus ( XXXX, XXXX   and Transunion ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2022-03-15
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. (GA)

Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive disputed these items over and over with credit reporting agencies XXXX, XXXX and Experian stating these was fraudulent accounts they never investigated just kept saying it was accurate
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I purchased a condo in XXXX XXXX, Florida for approximately $ XXXX and closed on the sale on XX/XX/XXXX. Once XXXX XXXX XXXX  ( my original lender ) sold the loan to Amerihome Mortgage, I almost immediate had repeated problems with Amerihome Mortgage ( listed XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ). Amerihome held this mortgage from XX/XX/XXXX until pay off on XX/XX/XXXX. 

Amerihome insisted on purchasing additional flood insurance on my behalf, despite having a HOA flood policy in excess of {$1.00} Million and a personal flood policy I purchased separately. I provided documentation of both these policies to Amerihome on several occasions, and despite repeated requests to speak to someone in their insurance department, they insisted that my flood insurance coverage was insufficient. In XX/XX/XXXX, they purchased additional flood insurance " on my behalf '' for an annual premium amount of approximately {$550.00}. They rolled that cost into the loan payoff amount and are now refusing to refund any of that annual premium amount, despite my having owned the condo for barely 4 months ( from XX/XX/XXXX through XX/XX/XXXX ). 

Please help me obtain the refund I am due. In my opinion, Amerihome 's practices are deceptive. They repeatedly refused to connect me with anyone in their insurance department who could give me the reasoning why a {$1.00} million dollar flood policy was insufficient and what the justification was for buying flood coverage in excess of that and the personal flood policy I carried.
Consumer complaint received 2022-03-15
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. (MD)

I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.
Consumer complaint received 2022-12-04
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. (GA)

Hello my name is XXXX XXXX and this is my third attempt trying to obtain my consumer file and report from Equifax. I have uploaded a screenshot of the last attempt. Im using the CFCP in hopes of obtaining my credit report.
Consumer complaint received 2023-02-27
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. (VA)

I am requesting again for the third time in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items and correct all the negativity. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX Bank # XXXX Ive disputed these items over and over with credit reporting agencies Transunion, XXXX and XXXX stating these was fraudulent accounts they never investigated just kept saying it was accurate
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc. (IL)

XXXX- # XXXX called at XXXX XXXX. There is a computerized voice asking for me by name. I have the option to press 1 if this is me. We have repeatedly followed the steps to have our number removed to no avail. They have been calling for months. Today I pressed 1, the computerized voice stated You can reach ICS at the following number:XXXX. 
I did not call the number. I XXXX it and there were several people stating this number was pretending to be a collection agency for medical debt, which I have none. 
Called on XX/XX/04 @ XXXX XXXX I can not go back further as our caller is full. 
I have received zero written communication from said company.
Consumer complaint received 2018-07-02
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. (TX)

I am writing out of frustration. XXXX XXXX continues to report information to Experian Credit reporting service that shouldn't be there. The Home Equity Loan that they are referring to was paid off in XX/XX/XXXX ahead of schedule. I did file for a chapter XXXX bankruptcy in XX/XX/XXXX, and the Home Equity Loan that they are referring to was the only Mortgage on my home and I continued to pay the loan and did not miss a payment. The concerns I have are several : ( 1 ) How can a bankruptcy continue to be on my report after 10 years. XXXX XXXX have the negative information to continue until XX/XX/XXXX. This all started when I contacted the XXXX XXXX Unauthorize Account Settlement through an Email sent to me. I had several misallocations of my Equity Loan payments that led me to believe that they may have opened an unauthorized account. I wasn't sure, so I responded to the Email. Big mistake. My claimant conformation number is XXXX. 

I have additional information, Experian credit report, my equity Loan number is XXXX. If more information is needed please contact me and I can fax them over. I am a XXXX veteran and adding an additional 7 years of negative reporting on my credit report is practically a death sentence. Thanks for your help.
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-10
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX Bank had a representative from the XXXX DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX Bank 's XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-04-14
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. (SC)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (ID)

XX/XX/19 : Received email notice that Citicards is no longer partnering with XXXX ; the notice states that my XXXX Citicard will no longer be valid after XX/XX/19 ( this is prior to the maturity on my credit card ). 

XX/XX/19 : Chat with Citicards ; asked if my Rewards would be honored. 
I have earned {$280.00} using this card. Was told that rewards would not be paid because the card is closing. Asked for their complaint department ; was told the only way to file a complaint is to send it in writing. I was given an address. 

XX/XX/19 : Logged into Citicards ; it is still showing how I can earn cash back on my purchases. My reward of {$280.00} is still listed.
Consumer complaint received 2022-02-09
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. (MS)

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My Experian and XXXX credit report is showing for the last XXXX years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear XXXX months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.
Consumer complaint received 2022-10-10
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. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (CA)

Date XXXX, interest {$82.00}, sholuld be {$83.00}. Has calculated by me. Have sent Synchrony Bank several e-mail, need explanation. The bank do not want to respond for the error. Need the bank computation for the {$82.00} interest calculation for 5.15 % APY as contract with the bank.