davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XXXX XXXXXXXX XXXX  Also, it's showing a late payment in XXXX and XXXX of XXXX XXXXhe XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX Equifax. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // Equifax XXXX Now looking at Equifax XXXX XXXX shows good standing, which is different from the other XXXX. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other XXXX reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have disouted these items multiple times on my credit report reported by department of education XXXX. There were 2 seperate loan amounts one for over XXXX and another for almost XXXX. They were removed from my report at one time but later popped back up in the middle of my school year and caused me to be dropped from my classes. I was told they would be taken care of but it has been almost 2 months and they are STILL on my report and still preventing me from going to school. I will no longer graduate in XXXX as i was supposed to and i am very upset.
Consumer complaint received 2023-03-24
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. (IN)

I have previously disputed unauthorized credit inquiries from XXXX XXXX AND XXXX XXXXXXXX with Transunion. I sent a dispute letter on XX/XX/23 and XX/XX/23 with no action taken. I will give one more chance before I move to litigation and collect my {$1000.00} ( per error ) with them. I need these removed immediately as it is negatively affecting my credit score.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

To whom it may concern, I am writing this complaint so my concerns in regards to my loss mitigation review with Shellpoint can be addressed and rectified immediately. My loss mitigation request was submitted back in XXXX of 2019 and when it was pending a decision an appraisal needed to be ordered by the lender to complete the review. This took longer than it should due to the appraiser hired by the lender not contacting me the homeowner in a timely manner. Once it was finally completed it was not even given to the lender right away and they did not have this information until almost 3 weeks later after taking almost a month to schedule it. After receiving this information other documentation used for my review became outdated and was requested in XXXX of 2019. Once this was sent into the lender they then needed additional information about the co-borrowers income in which was submitted. Fast forward to right now and not only has no decision been made in almost 6 months, the income used was not properly calculated resulting in a denial in XXXX after all the requested documents were given to the underwriting staff. Due to the negligence of the underwriting team in calculating the co-borrowers income. I was able to get the file reopened and it is currently with underwriting pending a decision with all documents accounted for however they now need a new appraisal per their guidelines as appraisals are only good for 90 days. I feel like my file is being delayed and sabotaged as they didnt even have the correct loan balance in the paperwork. I have requested a new underwriter and also requested a new manager for my file to no avail. I would like answers and proof my appraisal is only good for 90 days and if this is true why wasnt a new one ordered back in XXXX as it would have only been good until then. The quality and care of my file has been unacceptable and unprofessional. Everything being requested from me was piece mailed and asked for every 3 weeks causing a major delay in this process. Not only does it cause a delay in the review it also caused for other documents to become outdated when in fact they have always had a complete file. I would like this rectified immediately. I have worked for a government establishment for years and tell you right now this seems like they are delaying this modification review on purpose.
Consumer complaint received 2022-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of Identity Theft back in XXXX. An account was opened under my name, DOB, and SSN with Bank of America. I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing Bank of America to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquiry XXXX/XXXX be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (CA)

call from Experion at XXXX from XXXX XXXX XXXX. I asked to be added to their own donotcall list and added that my phone number is registered on the donotcall list. They said they are a debt collector and are exempt from the donotcall list. I have no debts that are late or in arrears. They have no reason to call.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express advertised {$100.00} airline fee credit on qualifying airlines. It does not list the airlines that qualify. It says to see terms and conditions, but when one clicks there, it doesn't list them either. You have to click several times just to get a point where they say " call us to get the list of qualifying airlines. '' The airlines are not listed clearly and conspicuously and they make it difficult and require you to jump through hoops to find out about the airlines. 

I wanted to use the credit on an airline and they said it didn't qualify. They wouldn't send me a list that I could have accessed before I signed up for the card. I told them it wasn't clearly and conspicuously listed, but they said I could have called. They should list the airlines clearly and conspicuously on the site and not require so much friction to find out.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC. (TX)

In XXXX of XXXX I was notified by Frost Bank that an account under my name was overdrawn. I have never had an account with Frost Bank, I called and they suggested to go into the nearest branch. I drove to the nearest branch, showed my ID and the lady confirmed that the ID used to open the recent accounts was definitely not me. She asked me to fill out the fraud paperwork online. I filled out everything asked for online and sent to Frost Bank, they open a fraud case, I even put a fraud alert on my credit bureaus. Shortly after putting the alert, I received a call from a dealership in XXXX, XXXX asking if I was at the dealership buying a car. I haven't been to XXXX in years, said my identity was stolen, to call the police, arrest the person at the dealership and that I wanted to press charges. Which they apparently never did and just let him walk out the door. 

I continue to receive collections notices from Frost in XXXX, I called on multiple occasions in XXXX to make sure that the case was being worked. Frost representatives confirmed it was, said to disregard the collections letters, that " it takes time for all the departments to get notified '' and that nothing is hitting my credit report. 

I few weeks ago, in XX/XX/XXXX, I received a collection letter from a third party debt collector for the amount owed to Frost Bank. Frost Bank has now sold the fraudulent debt to a third party. 

There is clearly an internal process within Frost Bank that is broken, a company of that size should have Fraud processes in place to freeze collection practices on fraud accounts and when the fraud is confirmed, the credit bureaus are cleared of the inquiries, collections, and past due amounts. 

-Over the past year, I have received multiple collection letters from Frost ( months after they were first notified of the fraud ). These letters should not have happened if Frost had a competent Fraud department. Is Frost just trying to get the victims to pay the debt so the victim can protect their credit history? 
-Frost open bank accounts in the wrong persons name, Frost should have better due diligence on account openings. 
XXXXFrost sold the illegal debt to a third party. Why would Frost sell debt with a Fraud alert?
Consumer complaint received 2022-03-18
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. (NC)

I have contacted XXXX and XXXX in reference to my information being used but not authorized. I was given a letter to submit. I have submitted. I was told to check my inquiries in 24-48 hours to see it removed. it is still there. This is hindering myself from being able to secure a place to stay. These items are unfavorable and according to 15USC1681, this is unlawful.
Consumer complaint received 2024-02-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (FL)

I was given this general Visa gift card for {$200.00}. On the day i went to use it, it only had {$.00} available. The card was compromised by a company in XXXX, I'm located in Florida. 

I contacted XXXX XXXX XXXX California XXXX The original card was replaced by the company. 
I registered the old card and the new one as well. I was told that i have to wait until they recover the funds from the merchant from what I was told and that it could take up to six months to recover the funds. After they recover the funds, the new card will be reloaded. 
This should be covered by Visa, I complied as requested. I don't understand why this company is making wait to recover the funds if they ever do according to the rep I spoke to. 
I would appreciate an investigation as soon as possible. 
Thank you.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma (OH)

On XX/XX/2023, I received a Credit Karma Money Spend account debit card in the mail at my home address with my name on it. I did not open a Credit Karma account. 

I immediately called the number on the back of the card and attempted to find out more information and request account closure. The only option for the phone line was an automated feature that required me to disclose the last 4 digits of my social security number before they would transfer me to a representative. I do not want to disclose any of my personal information to a company I do not wish to have a relationship with. I attempted several times to bypass giving my social security number, and the system is designed to disconnect the call if you don't provide the information, which is what happened. 

I then logged on to the Credit Karma website and attempted to chat with a representative. The representative in the chat advised me that it was REQUIRED that I give her the last 4 digits of my social security number in order for them to verify the account. I explained I didn't want to provide that information and was already concerned that someone had stolen my identity to create this account. I pleaded with her verify my identity another way and she indicated that wasn't possible. I asked to speak with a manager, or if I could have a phone number to reach a LIVE PERSON and she just kept giving me the number for the automated phone line. 

I then asked the representative to provide me with information about how the card works- like is it connected to a bank account at the time of card issuance or is it a card that needs to have funds loaded onto it once received. I was trying to assess how big of a problem I may have on my hands. The representative said she couldn't answer that question until I provided the last 4 digits of my social security number. It was a pointless & extremely unhelpful conversation.

The Credit Karma representative then told me she was ending our " chat '' and disconnecting me- and that I was welcome to reach back out when I was able to provide the last 4 of my social to them.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. XXXX, XXXX and TransUnion has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In review of my Transunion credit report I noticed that there are four ( 4 ) accounts that are reporting inaccurate information. 

1 ) XXXX -Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Payment after charge-off/collection '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) 4 ) XXXX  - this account is reporting a late in XX/XX/XXXX, XXXX and XX/XX/XXXX. I was never late during this time period. I contacted the creditor and was told that I must contact the credit bureau to get this corrected. 

I would like for Transunion to review these in accurate reporting information and make the necessary corrections.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (KS)

I applied in XX/XX/XXXX and was waiting on background to get back I told him I had XXXX XXXX but was hoping this XX/XX/2024 would be expungement and he said my XXXX shouldnt be. Problem well since XX/XX/XXXX Ive been waiting and kept waiting had me waiting and nothing no reason why and what was that notice first since them there is something on my credit that keeps rejecting me of any employment why does he give me adverse letter with motive or anything and he doesnt even have a background report I feel someone is unsung my report improperly matter I have bills to pay daughter to take care of
Consumer complaint received 2023-03-29
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX  XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, and XXXX XXXX XXXX : XXXX has all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-16
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. (UT)

XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Consumer complaint received 2023-03-29
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. (MI)

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2020-02-05
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. (PA)

Experian keeps removing current Employers on my credit file as XXXX XXXX in which is on some reports. Experian has issues with correct information. on reports going back over a year XXXX XXXX is not showing on the credit report I work here since 2015