davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ND)

XX/XX/2019 Time XXXX XXXX called into XXXX unable to make contact with Equifax agent. XX/XX/2019 Time XXXX XXXX option 5 option 2 option 0 no Equifax agent available to talk with. Phone que requested caller to go to Equifax web site, nice run around with no access to Equifax site because of log in issues form the last two unresolved tickets opened at the Consumer Financial Protection Burau which were not resolved from Equifax support group.

XX/XX/2019 Time XXXX XXXX called XXXX Option 5 for Agent Time XXXX XXXX Went through all security questions again with Customer Support and informed Equifax Customer Service Representative about all the problems with not being able to log in to Equifax site, which has been going on for one month.

XX/XX/2019 XXXX XXXX Rolled over to Specialty Department. Went though all security questions again, on hold for many minutes, the person from Specialty Department seems to be having trouble with obtaining temporary password to reset with, on hold again, Now have been informed that the Equifax system is not able to give out temporary password. Informed from person from Specialty Department that the AT department has no time frame on when the Equifax system will be able to give out temporary password to log in with to reset password. Informed that this could take weeks or months before online Equifax At Department can resolve the issue ...
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
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. (NY)

Experian, After carefully reviewing my credit report, I cant understand why this account below is reporting on my credit report which is inaccurate reporting. Please remove all and delete. 

- XXXX XXXX XXXX Account # XXXX Balance $ XXXX DELETE AND REMOVE FROM MY REPORT.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NC)

XXXX and equifax are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :
Consumer complaint received 2020-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Forget 30 days. I have been complaining to CFPB, as well as all three Credit Reporting agencies for years, with no Assistance from you or them. 

It is evident that CFPB has the Creditors and Reporting Agencies ' best interest in mind in their Actions and not the consumer. You are an affront to your charter. 

Tomorrow morning, I am making contact with various persons working in the Senate and providing my evidence and explination of all of the questionable things you are doing and your malfeasance. 

I demand you do your job and deal with XXXX, XXXX and Experian immediately. 

You are acting in XXXX XXXX. Your in house attorney should know enough to tell you that intentional bad Faith Actions ( such as protecting ones " Member Companies '' removes all immunit and makes you criminally and civilly liable. 

I demand hard copies and electronic access to accurate reports from all three agencies immediately.
Consumer complaint received 2021-12-07
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. (AL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I have a closed credit card with Citibank that I have been paying down for a couple of years but still have a balance due. I went to login tonight to make a payment like I have been doing faithfully monthly for years but forgot my password. I went to select reset password but it requires your credit card # to reset. Since my account is closed, I don't have the card and I have been paperless for years too so I have no way to get to the card #. I started a chat for assistance in resetting my password and they couldn't help since I didn't have my card # so they referred me to call a toll free number which again, required me to enter the last 4 digits of my card # I finally got a representative. That number routed me not to tech support but to a call center where an attendant proceeded to tell me that without a card # they can't reset my password and the only way I can make a payment now is through the mail or over the phone with my SSN. I asked if I mailed, how they could apply the payment if I couldn't reference an account # to which he said, they would not be able to assure me it would be applied. He offered no other solutions. I had no choice but to give my SSN to ensure my payment was posted before the due date. He then had me validate my name, address, security question answer, and name of the bank I make my payments from but still would not provide me with the Citibank account # so I could just reset the password. He told me if my account was closed that I had " limited access '' to services and that it was " regulations. '' Admittedly I was pretty irrate with the rep. ( he was professional throughout ). Why would any financial institution make it difficult for someone to pay them? I feel very uncomfortable having been forced to give all of my PII over the phone. I did advise him they were required to start sending me paper statements - that option was not offered to me and I have little confidence that I will start receiving statements and concern that I just gave all of that info. to a stranger.
Consumer complaint received 2018-11-27
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. (TN)

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, XXXX and Transunion stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX CARD SERVICE XX/XX/XXXX 2018
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (TN)

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, Experian and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX 2018
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

for the last 6 months I get a phone call once a day from this company XXXX XXXX XXXX. They even call me on my work phone and they ask me for XXXX. 

There is someone on my XXXX XXXX family plan that has paid off their phone debt. This is the only reason they could be calling me. As I said the debt is not mine and it has already been paid yet they continue to call me.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I recently moved to a new apartment ( XX/XX/2018 ) and was approved for the lease after the apartment complex confirmed my credit history. Upon moving in, I contacted XXXX XXXX XXXX ( XX/XX/2018 ) to request internet at the new apartment and they performed a credit check with Equifax. For some reason, this came up with a block on my credit and after submitting all of my information to Equifax trying to verify my identity ( Driver 's License, SSN, DOB, Address, etc. ) they came back and told me it could take up to 30 days to process the request and verify my identity. I have no idea how I was approved for a 12 month apartment lease in consecutive years and my credit appears clean, however Equifax has placed a block on my credit making it all but impossible to get approved through XXXX XXXX XXXX for wifi. I must now have a Co-signer on my internet account ( $ XXXX/month ) when I have not needed a co-signer on either of the two apartment leases ( each over $ XXXX/month ) that I have applied for over the last two years. They will not discuss why I have a block on my credit. I do not know what else to provide to verify my identity, and as I work from home I need wifi to do my job. Their incompetence and unwillingness to help me resolve my issue is extremely frustrating and I would like an explanation from them on why I am unable to receive credit approval for an internet account.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (CA)

I was unable to load, log in, use my prepaid debit card. I received an email that they permanently banned my account. Upon phone call Serve, I was told that XXXX emailed them about me not paying XXXX to load the card. There was a moment when I had to cancel loading money into my prepaid card using XXXX check out stand. I have had this card for 3 months with no issue. Serve did not give me a real explanation as to why the account was closed.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found names on my credit report that are not me. This has been hurting me as I am in the process of purchasing a new home for my family. Please remove these fraudulent names from my credit report as soon as possible
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK (NC)

I was using XXXX XXXX  and a buyer wanted to buy my computer which I listed as {$1100.00} and said they would send the money through XXXX and wanted my name and email and I got a email from XXXX stating that I have reached my receiving limit and I needed to pay {$500.00} to make my account a business account so I did and got another email saying that the buyersent over {$500.00} on accident and I had to pay it back so I did and got scammed off of {$1000.00}
Consumer complaint received 2019-09-06
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. (CA)

XXXX # XXXXThis Account is Unverifiable. Experian has failed to provide me proof of verification. But claims to be Verified Unauthorized Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-14
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: EQUIFAX, INC. (GA)

I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my Equifax, XXXX and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my Equifax, XXXX, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.
Consumer complaint received 2019-09-06
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: Experian Information Solutions Inc. (FL)

Contacted Experian regarding unauthorized inquiries on my report and they refused to dispute the inquiry. 
Not on are the following unauthorized they are also duplicates XX/XX/2019 - - Creditor Name XXXX XXXX XXXX XX/XX/2019 - - Creditor Name XXXX XXXX XXXX
Consumer complaint received 2019-09-06
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)

As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX  XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX  XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CO)

XXXX XXXX XXXX XXXX ( XXXX ) in Colorado charged me correctly for using a toll road on XX/XX/XXXX. I thought nothing of it expecting a bill for ~ {$5.00} in the mail. Nearly a year later on XX/XX/XXXX I receive a notice that I was sent to collections for {$50.00} on XX/XX/XXXX. I never once received the bill or was given notice of failure to pay. XXXX made XXXX effort to contact me, and instead seems to be using debt collectors as a racket to increase the fees they charge on their roads. A cursory XXXX shows a multitude of similar complaints against them in the news, and seems to establish a trend of predatory and fraudulent behavior by this company, hence this official complaint.
Consumer complaint received 2022-04-12
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)

In accordance with the Fair Credit Reporting act XXXX Account JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (MD)

ovement Mortgage servicing received my correct final payoff value on XX/XX/XXXX. Still took out an unnecessary automated payment I had called to cancel on XX/XX/XXXX. I then reached out to them to confirm that they would return any overpayment and remaining escrow amount within the required 20 days. They confirmed and said it would be returned electronically, I then provided them with my updated address as with my mortgage paid off I was no longer at the home associated with the mortgage loan. 

On XX/XX/XXXX they issued the funds in the form of a check ( I would later learn ) addressed to my old address when I reached out to them on the XXXX they confirmed the error. I was told they would stop payment and issue a new check and send it to my correct address which they already had on file. I called today, XX/XX/XXXX, to check the status and was told that not only had a new check not been issued but it would not be and that they had an additional 30 days to release my funds. I was denied the opportunity to speak with anyone else and told a manager MAY choose to contact me sometime before XX/XX/XXXX.