davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (IN)

Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-02-21
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: ENCORE CAPITAL GROUP INC. (MI)

The account with MIDLAND CREDIT with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the Bureaus have conducted a thorough investigation.
Consumer complaint received 2019-11-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-07-30
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)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..XXXX, XXXX 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 2018-04-21
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. (MD)

I filed a dispute with XXXX referencing discrepancy in XXXX and XXXX reporting. In result Experian 24-month payment history remained pulling down XXXX Score which is 100 points less than all other consumer reports. I am unable to dispute account on-line for the attached account. 

On XX/XX/018 XXXX response to previous complaint. Acct XXXX is being correctly on consumer reports. Request to delete account was rejected and/or unanswered by XXXX, Experian, and XXXX.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXX, XXXX P.T.- attempt to place a freeze was met with a window that said : The TransUnion Credit Freeze Service is temporarily unavailable. 

I called TransUnion, and after verifying my information, I was informed through automation that the information I submitted is incorrect. This is not true. I have been able to freeze my XXXX, XXXX  with no trouble. I can login to TransUnion without issue. 

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. 
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. 
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

On my XX/XX/XXXX, billing statement I incurred an unauthorized fee slam on me ( not agreed to ). On page XXXX of XXXX, the annual fee prescribes that " If your account has an annual fee, it will be billed each year ''. However, my card does not carry an annual fee where from XXXX until my XX/XX/XXXX billing statement I had possessed the " Wyndham Reward Visa Signature Card ''. On the XX/XX/XXXX statement, I was slammed with the Wyndham Rewards Earner Plus which they ( Wyndham ) suggest carries an annual fee. Again, when you read page XXXX of XXXX it asserts that " if '' your account has an annual fee. 

Moreover, I was never notified of such fee. On or about XX/XX/XXXX, after receiving my XX/XX/XXXX statement I became aware of the outstanding annual fee and contacted Wyndham regarding the annual fee. At that time they indicate that they were unable to remove the annual fee. After reviewing my pertinent Wyndham documentation, I was unable to locate the annual fee notification. Furthermore, I had 45 days to downgrade back to the no annual fee card. Today ( XX/XX/XXXX ) I contacted Wyndham again and they again asserted they were unable to revert back to my original card nor refund the {$75.00} annual fee.
Consumer complaint received 2019-07-30
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. (FL)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..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 2021-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CT)

I answered a phone call that said spam likely today and it was a collection agency saying that a company was going to sue me and garnish my wages. I asked what company and they said it was a Payday company that I borrowed money from XX/XX/2013 called Castle payday. I recall borrowing money and paying it back to this company 1 time with no issues the second time they took more money back then was agreed upon so I canceled the bank account if I remember correctly. I was XXXX on XXXX at the time and still am and was never notified. They have an address on file that I moved out of 9 years ago. They told me they would settle for {$160.00} today by XXXX XXXX. and I wouldn't hear anything from them again. I find this all funny and don't trust it because I believe I paid back this company in Access and they said that they sent a letter asking for {$500.00} and they could settle out of court. I feel like this is a scam because I have no proof or evidence of anything.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Dear CFPB Counselor, I almost dread going into the details of this so that you can understand what has been going on since XXXX. I will try and outline events. I received a letter from Synchrony Bank 's Fraud Dept about suspicious charges on a credit card in my name. I did NOT recognize the card number but later realized it was an acct I opened online with a tire co in XXXX TX in XXXX to purchase a good used set of tires/wheels from a store called XXXX XXXX. I never received a credit card and didnt miss one since all was done online, I even set up automatic pmts to cover the promo NO INTEREST the company offered. 
In early XXXX someone named XXXX XXXX got my account number for the Synchrony XXXX XXXX retail account and got himself approved as an AUTHORIZED USER. This person lives in S.Florida somewhere in XXXX County, I live in N. Florida in XXXX XXXX County outside XXXX. 
I have been going around and around with Synchrony Bank 's Fraud Dept trying to prove to them I did not authorize this XXXX XXXX to use my card. I have no idea who this creep is. 
This same credit account was apparently not CLOSED when my promo was paid and the pre-set up automatic payments from my checking account was still active ... ... when this XXXX XXXX charged over {$2500.00} of merchandise on the account I hadnt a clue this was going on and automatic payments were withdrawn to keep the account current over the course of 2 years. I'd have still never known about this had Synchrony themselves not alerted me to 'suspicious ' activity on the card. I am guilty of not monitoring my checking acct as closely as I should I know. Synchrony after multiple letters and effort on my part finally relented earlier this year and said they have resolved the account and that I am no longer liable. I thought well GREAT!!! But what about all the money ( {$2700.00} ) that was taken from my checking acct, i want that back! 
I have documentation of everything I say. They sent me a check today for {$1400.00} which is {$1200.00} short. I am livid these cheap XXXX are trying to profit from me and they have done absolutely nothing to prove their case and I have done ABSOLUTELY everything to prove mine. I will never do business with them again.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (ME)

I asked for covid-related forebearance for my FHA mortgage XXXX XX/XX/XXXX. This was extended in XX/XX/XXXX, XX/XX/XXXX, and and XX/XX/XXXX. In XXXX I contacted Caliber Home Loans to understand my options. I asked if further extension was an option, and they said I would need to apply. I said no thanks, and on XX/XX/XXXX asked to have a Partial Claim agreement sent to me for the subordinate debt. I never received that document. I have called and used their portal to ask about the status and they have said it's still in process. Last Thursday I got a voice mail from Caliber and called them back today. The rep said the document was sent XX/XX/XXXX and since they never heard back from me I'd have to make two mortgage payments to enable the partial claim. I said no ; I never received that document ( they told me it was sent regular mail ), and I never heard from them about it. The rep said there's nothing she can do so I asked to speak to a supervisor. The supervisor told me the document was sent XX/XX/XXXX ( not XX/XX/XXXX ) and that since I never replied the partial claim is " closed ''. She said they called three times across XXXX and XXXX ; I don't have any voicemails from them. I have diligently returned all of their calls during the forebearance and through the partial claim discussion, why would I ignore them now? I then asked the supervisor to walk through the timeline ; she said the docs were prepped in early XXXX and sent XX/XX/XXXX, meeting the 30 day requirement. I said that's almost 60 days ; at that point she said, there's nothing she can do to " re-open '' the partial claim ( even though the rep said she'd be able to with two mortgage payments ) and I should file a complaint if I want to. 

I am very concerned about the knowledge and professionalism that was demonstrated during my calls with Caliber today. I believe there have been a number of mistakes made throughout this process that have had a negative impact on me as a consumer. How is an important document sent via regular mail? How did Caliber miss the 30 day window by almost a month? How does Caliber only make three follow-up calls ( which I have no record of )?
Consumer complaint received 2022-02-21
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. (TX)

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

My car finance company called to thank me for paying on time for the past 4 months and asked if I would like to lower my interest rate. I had to take another call and in that time he ran my credit without my permission. He called me back and said he can lower my interest rate to 20 % after looking at my credit. I paused and explained I never gave permission for my credit to be run. Im in the middle of looking for a new home and having a baby in XXXX so I would never allow my credit to be viewed while Im in this process because a home is more important right now. He apologized for doing this and said he has never done this before without permission and this was the first time. He gave me the number to the credit bureau to file a dispute but the credit bureau said they cant remove it but that only the financial institution can which he told me that he couldnt. One Main Financial is the company that ran my credit without permission.
Consumer complaint received 2021-06-11
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. (NJ)

A few years ag someone i=used my name and applied for various apartments in Georgia. When I found out I was instructed to go to the police department and file a report for identity theft with I did. I sent report and my credentials to the credit bureaus ( XXXX, XXXX  and TransUnion ) I called the companies and completed their paperwork as well. I later had t complete a fraud report with FTC and attach all of my paperwork to it. This is well over 4 years and I have made numerous attempts to correct this issue to no avail. The companies are XXXX XXXX ( around ( XXXX  ) and XXXX XXXX ( XXXX ). I work for a school district which I have a pension and have never had a desire to live in Georgia. One company sent me information which was a drivers license from New York which I have never had a New York drivers license. They also sent me a pay stub copy of a job a XXXX. I have never worked at XXXX. I have shared this information numerous times with all parties.
Consumer complaint received 2019-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted all creditors in this Matter Capital One Bank and XXXX and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with Caapital One and XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Consumer complaint received 2022-10-07
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

DUE TO THE COVID19 I WAS ON A FOREBEARANCE THAT WAS SET TO EXPIRE ON XX/XX/XXXX. I CONTACTED IN EARLY XXXX MY MORTGAGE PROVIDER NEW REZ AND SPOKE WITH AN AGENT WHICH ADVISED OF MY NEXT STEPS WHICH INCLUDED A PARTIAL LOAN AND A LOAN MODIFICATION. I WAS ADVISED BY THE AGENT I DID NOT HAVE TO MAKEE A PAYMWNT UNTIL XX/XX/XXXX. I COMPLETED ALL DOCUMENTS THAT WAS SENT TO ME ON TIME AND I MADE THE PAYMENT AS I WAS ADVISED ON XX/XX/XXXX. THE COMPANY REPORTED AS BEING LATE FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE REACHED OUT TO THE COMPANY SEVERAL TIMES AND WAS TOLD WAS NOTHING THEY COULD DO ABOUT IT AND ADVISED ME TO DISPUTE WITH THE CREDIT BUREAUS. I HAVE EXLAINED THAT I WAS ADVISED BY THE AGENT AND IF THEY COULD LISTEN TO THE CALL BECAUSE THEY SAY THE CALLS ARE RECORED. I WANT THE LATE REPORTING REMOVED BECAUSE BASED ON WHAT I WAS TOLD BY THEIR AGENT I DID WHAT I WAS TOLD AND THEY TOLD ME MY MORTGAGE WOULD REAMIN IN GOOD STANDING. I FEEL LIKE IT WAS A BAIT AND SWITCH BECAUSE THE AGENT INFORMED ME SEVERAL TIMES NOTHIG WOULD HAPPENED AND THE LOAN WOULD REMAIN IN GOOD STANDING AS LONG AS I RETUNED THE DOCUMENTS WHICH I DID ON TIME. PLEASE HELP
Consumer complaint received 2021-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got these accounts that are not mine and i want it to be removed from the 3 credit reporting agencies. See the list bellow 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.