davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (PA)

XXXX XXXX XXXX XXXX ( by marriage ) Date of Birth : Feburary XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX On XX/XX/XXXX I contacted Transunion by phone at XXXX at XXXX by my phone number ( XXXX ) XXXX. I called and asked to be connected to the fraud department due to 11 UNVERIFIED AND UNAUTHORIZED Hard inquiries on my account. I explain to them that these Hard inquiries were made WITHOUT PERMISSIBLE USE on MULTIPLE OCCASSIONS and that due to the FAIR CREDIT REPORTING ACT THEY MUST BE REMOVED. After transferring me 3 times and having to explain my situation 3 different times I was so upset with how they mishandled my request to remove these unverified and unauthorized inquiries off of my report. I did not endorse these inquires and Never gave anyone of the below companies permission to check my credit. I have contacted each creditor directly in which they stated they had no known record of me or any information regarding these inquiries which is why they can not contact the bureau themselves and remove the inquiry which is why I called the credit bureau. 
XXXX XXXX XXXX  Requested on XX/XX/XXXX XXXXXXXX XXXX XXXX  Requested on XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX XXXX XXXX on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX
Consumer complaint received 2019-08-25
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. (PA)

Dispute report # XXXX for XX/XX/19 XXXX XXXX Credit Card page 3 of 10 ND showing for the month of XX/XX/XXXX and payment was made on time. Experian shows ( ND ) No Data as payment made.
Consumer complaint received 2022-11-19
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)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/2019, I reported to JPMorganChase that one accounts had been fraudulently opened in my name on XX/XX/2019. JPMorganChase instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by JPMorganChase that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from JPMorganChase that I owe them. Chase is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I have submitted the proper documents to Equifax credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act section 605B. I submitted identity theft report on XX/XX/2019. However the following accounts have not been blocked from my credit file.Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 day after receiving the identity theft report. Equifax has not blocked the following accounts from my credit file. It has been over two months since I sent Equifax identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Equifax on  XX/XX/2019, along with a copy of Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Equifax has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Subject : Urgent Complaint Against Equifax for Unwarranted Fraud Alert on Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding a fraudulent alert on my credit report. Despite never authorizing such an alert, it has severely impacted my ability to access credit and secure funding. Regrettably, numerous attempts to rectify this issue directly with Equifax have been met with refusal, even after submitting necessary identification documents for removal. 

The unauthorized fraud alert has hindered my ability to run my credit and apply for essential funding, resulting in immediate denials. This unwarranted obstruction has caused undue financial distress and inconvenience. 

I implore the CFPB to intervene and ensure that Equifax promptly removes the fraudulent alert from my credit report. Your assistance in resolving this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

So I was billed {$1100.00} in 24 transactions in a matter of 2 1/2 hours of being in the air while flying XXXX XXXX on my business account I have since taken all my money out of the state and its been 3 1/2 months of fighting them for fraud and Im already proved it was all unsolicited and its taking so long to get my money back but I think now theyre fraudulent holding my money from me. 
So on XX/XX/XXXX I was in the middle of flying to XXXX XXXX with my business account thank XXXX I took all the money out of the savings account was hit by XXXX for the amount of over XXXX dollars.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (NY)

XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.
Consumer complaint received 2022-05-03
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX OF XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX OF XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 2018
Consumer complaint received 2022-11-19
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 have reached out to Transunion numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.
Consumer complaint received 2020-07-24
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. (AL)

I contacted you on XX/XX/20 complaint XXXX and again XX/XX/20 complaint XXXX letting you know that these accounts listed on my report are fraud. I have explained to Trans union representatives several times but they continue to report Fraud. The accounts XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX. This stuff does is all FRAUD. They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.
Consumer complaint received 2022-10-15
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)

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2018-03-13
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: Bread Financial Holdings, Inc. (PA)

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX  XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

A merchant credited my account for services that they did not provide. The credit appeared on my account. On XX/XX/XXXX American Express issued a refund check for the credit and posted it to my account resulting in a XXXX  balance. On XX/XX/XXXX they posted the same refund for a second time resulting in a positive balance. On 7 separate occasions I have contacted American Express asking that they correct the problem from the duplicated credit to my account. on each of those 7 occasions American express told me they would correct the problem and that a XXXX balance would be on my account. They have yet to correct the problem. they have now started to charge late fees and have started calling me on my home phone. Each time they admit their mistake and remove the late fees admitting they have made a mistake, but have yet to correct their original mistake.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

My mortgage was recently refinanced & transferred to Nationstar Mortgage, DBA Mr. Cooper. On XX/XX/XXXX, I contacted them regarding my home owners insurance ( due for renewal in XXXX ), they informed me the policy had been paid that same day. XX/XX/XXXX I spoke to my insurance company & they stated no payment had been received. I paid the policy directly and contacted Mr. Cooper to inform them it had been paid, proof of payment had been sent, and I asked them not to disburse payment from my escrow account, I was ensured no payment would be sent. XX/XX/XXXX I received an email confirming payment to my home owners insurance. I contacted Mr. Cooper again to discuss my ( now ) negative escrow balance, while on the phone, I noticed the payment for my property taxes was scheduled for XX/XX/XXXX, however, my property taxes are due no later than XX/XX/XXXX. I contacted my assessor 's office to ask that my property tax bill be sent to my new mortgage company, they informed me they don't do that, the mortgage company should contact them. I made an escrow deposit to cover my taxes and have since contacted Mr. Cooper twice to discuss payment of my property taxes, they continue to tell me they will be paid before XX/XX/XXXX, however, my account still reflects a property tax due date of XX/XX/XXXX. If I knew I could pay my own property taxes and trust that a Mr. Cooper agent would property notate my account to avoid a double payment, I would do so, however, based on my experience with my insurance, I can't trust anything they tell me. Mr. Cooper has been my mortgage company for fewer than 60 days and in this time I have had to contact them numerous times. Wait times are typically 10 minutes and I have yet to speak to a competent agent. I shouldn't have to babysit my mortgage company to ensure they are making accurate escrow disbursements in a timely manner.
Consumer complaint received 2018-03-13
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: BARCLAYS BANK DELAWARE (PA)

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

Account is showing as opened in XX/XX/2016. I have not had an account with the original creditor for over 10 years, should no longer be on my credit report. 
Amount owed is inaccurate, have never had such a balance with original creditor.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BANK OF AMERICA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 60 days late last XX/XX/2019.
Consumer complaint received 2021-03-30
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. (DC)

On XX/XX/2020, I received an email from XXXX XXXX XXXX XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/XXXX/2020 and another on XX/XX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this XXXX LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.
Consumer complaint received 2018-07-30
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. (IL)

XX/XX/2018 requested hard inquires be removed from Transunion Consumer Relations. dude to me not being aware of the following inquires on my credit file. which transunion Consumer Relations stated they cant remove the items after I've stated I'm unaware of these inquires.
Consumer complaint received 2019-10-22
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. (CA)

In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.