davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have had my identity taken 2 years ago. At that time, only XXXX and XXXX offered credit freezes. Now Experian does. ( although, I had at least 2 credit cards taken out in my name through Experian between the time when they didn't offer it, until I had the 2nd card taken out last month ). 
I then froze my account with Experian last month. 
I am an owner of a small business and we applied for a XXXX XXXX Our bank needed to pull my credit. 
On XX/XX/XXXX I thawed my account through Experian. 
On XX/XX/XXXX and again on XX/XX/XXXX, my bank tried to pull my credit and could not due to it being frozen with Experian. 
On XX/XX/XXXX, I unfroze my account for another 2 days in hopes that would provide enough time. 
On XX/XX/XXXX and again on XX/XX/XXXX my bank tried to pull my credit and could not due to it being frozen with Experian. 
Today I tried to talk with someone at Experian. There were no " agents available '' to chat with. This occurred first thing this morning and has not gone away. 
I then called and got the automated system. There was no way to get to an agent, and I tried all of the options. I suspect that since I'm not a paying customer, I can not get through. 
I had the automated system CANCEL my freeze. This was confirmed on the website and in an email receipt. 
My bank tried again to pull my credit and can not. 
I filled out multiple complaints on the Experian Contact Form.

There is no one to talk with ; the contact form does not illicit any phone number, there is no one to chat with ; and there is no way for me to do anything about the freeze that has supposedly been removed, but the bank says otherwise. 
This is delaying our company getting a XXXX XXXX and will cause financial harm.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accudata Credit Systems LLC (CA)

My roommate had created damages in an apartment that we co-inhabited. I was not residing at the property at that point of time, and one day i was made aware that a collection had been placed on my credit report. I had no idea this debt was required to be paid by me until it was already added to my credit report. To not create any further issue, I paid off the collection, but I did not have any chance to dispute it.
Consumer complaint received 2022-06-14
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. (DC)

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACOOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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 (AZ)

I purchased two items from XXXX using my AMEX credit card. One was to be delivered on XX/XX/2022, and the other to be delivered on XX/XX/2022. Both of these packages had signature confirmation, so I figured everything should be fine and USPS ( the carrier ) should get everything in order before handing the packages off. 

Both statuses were updated to " Delivered to Agent for Final Delivery '' which I had never seen before, but after looking it up, it's used for when someone else accepts your packages, i.e., apartment complex, business, etc. This was weird since I live in my house alone and nobody is accepting packages for me. I waited in case the delivery driver made a mistake, but I did not receive it at the end of the day. I reached out to my neighbors and my local post office to see if they were there and they weren't. 

I contacted my local post office to get a proof of delivery, since this package had signature confirmation and it was delivered to an " Agent, '' I figured I'd be able to find out who received my package. Instead, I found that the " Actual Recipient Name '' and Signature on the proof of delivery were not real at all. The names weren't even names and the signatures were just circles. I've attached both proof of delivery 's for these packages. 

When I contacted XXXX ( the merchant ), I was told that the tracking numbers showed as delivered, so I was out of luck. With this, I contacted AMEX since the merchant wasn't helping me to resolve the issue. I created the disputes and I thought everything should be fine. 

However, both the disputes were closed in the merchant 's favor with the merchant providing the same proof of delivery with the fake names and signatures. I brought this up to AMEX again and was told that I should contact the merchant instead. 

I'm trying to understand how the proof of delivery provided is being accepted as proof when the names are not even names and the signatures aren't real at all and USPS accepted those and handed the very high valued packages off to whoever received them.
Consumer complaint received 2018-04-25
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. (NC)

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to transunion and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was on a forbearance program with Citizen Bank, which was supposed to end on XX/XX/2022. I requested a Loan Modification with them around XXXX time frame and was approved but there was a miscommunication or mistake in the payment starting date. The loan letter stated XX/XX/2022 as the repayment starting date but when I called up and ask them I was explicitly told to start XX/XX/2022. However, today ( XX/XX/2022 ) I received a call asking about the XXXX payment so I was confused and called them about it and spoke to their Loss & Mitigation and Collection departments on 4 separate occasions but nobody acknowledged the starting date as XX/XX/XXXX and insisted there is nothing they can do and wanted me to pay for the XXXX payment which I did not anticipate. I even asked to escalate the case to no avail. I was told if I don't pay for the XXXX month I will be charged a late fee and report to the credit bureau. This is absolutely outrageous as this was not the agreement. They have a recording of the conversation on the day I called up to accept the agreement which I brought up but was brushed aside. I felt I am hitting a brick wall and believed this to be a mistake on their end and now they are denying the responsibility! 

The date I called to accept the Loan Modification was XX/XX/2022 from XXXX XXXX  to XXXX XXXX. They have the recording as per their declaration. It should be retrieved for evidence of acceptance and payment start date prove. The number I called is XXXX.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I have a loan with USAA SAVINGS BANK. 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 XXXX  and USAA SAVINGS BANK with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part.
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

During our country recession XX/XX/XXXX-XX/XX/XXXX I loss a substantial amount of income due to ex spouse losing employment with XXXX XXXX. I was struggling to pay mortgage to Wells Fargo. I never fill behind two full months. I was never more than 45 days behind in my mortgage payments. I would send my payments in the form of money order or cashier check so that it was like cash they would receive. Long story short Wells Fargo held my payments and pushed foreclosure proceedings fast ahead. Afraid of losing my home I filed bankruptcy. At this point Wells Fargo sent back all my payments that totaled around 1500-1800 dollars. In the meantime this caused me to lose XXXX in equity not to mention attorney fees when I never came close to missing three or more mortgage payments. I often think was this fair and lawful? I wonder how many thousands of other mortgages were falsely foreclosed on due to Wells Fargo using this unfair practice of holding up payments or not applying payments towards the mortgage. I also recall how slow Wells Fargo was in assisting me with Harp to the point where my payments appeared to fall further behind and they never did help. I contacted another organization locally by the name of XXXX XXXX XXXX XXXX by way of my attorney and thats who helped me.
Consumer complaint received 2022-07-21
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section Sates : 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 antidotes the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (LA)

XXXX XXXX XXXX XXXX credit inquiry on XXXX, XXXX and XXXX. I want these to be removed from my XXXX  due to I never signed any documents. 

Also Credco/XXXX  XXXX I want these to be removed from my XXXX  due to I never signed any documents. 

Under FCRA I want this to be validated with my signature that I authorized.
Consumer complaint received 2019-03-24
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: EQUIFAX, INC. (PA)

I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela. 
Because of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX. 
It is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX. 
I know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply. 
Unfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents. 
I hope any one else with this issue will contact CFPB. 
Thank you.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-06-14
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. (NJ)

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (NJ)

XXXX XXXX  closed out my checking account because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report XXXX temporary credit my checking account I was bale to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence XXXX XXXX  still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX XXXXXXXX as sent NEGATIVE INFORMATION OF FRAUD to EARLY WARNING and until this is corrected they will not do business with me I have attached all the evidence after reaching out to EARLY WARNING they ruled to stand by XXXX XXXX and found no error. Please Help ME rectify this situation
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NM)

Someone from XXXX XXXX XXXX came to our home and asked to do a evaluation of our bathroom and see if we qualified for a bathroom remodel. They gave us paperwork on a quote of what it would cost and asked us to sign it. Six months had elapsed when we received a call from GreenSky advising we had defaulted on our loan and it was now due in full {$20000.00}. We advised GreenSky that we had not received nor had we ever signed up for a loan with them. We never received any paperwork or any services from XXXX XXXX  XXXX  or GreenSky.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2022-06-14
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report. 
8. Validate Account Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11.Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report with has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/year> XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/scrub> XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020