davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. XXXX XXXX   And XXXX XXXX. 

I still see both in my Experian credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at Experian and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.
Consumer complaint received 2022-06-15
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. (FL)

I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX XXXXXXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXXXXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number XXXX 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 an account without my written instructions
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX {$4100.00} on my Experian. My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I fell behind on my payments and have tried several times to get a modification with this loan thru Ocwen. The mortgage company will grant a modification and accept 2 trial payments and then will send only the third payment back to me with no explanation at all. I then re-applied for assistance with Ocwen and they granted a modification and never sent me any payment amount or Letter stating that I was granted the loan modification .... Next thing I know I am in foreclosure status!!!! I have tried to contact them and get someone on the phone to ask them how I can receive a letter from them saying my home will be sold off in 2 weeks. I am need this matter looked into asap .... My loan # # XXXX -Ocwen
Consumer complaint received 2022-06-15
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. (OH)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2021. It is 60 days later and I have yet to receive a response. I feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (TN)

I submitted request to XXXX, XXXX, And Equifax to dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I received a letter from Transunion LLC informing me that they " received a request that included my information, but it didn't appear that me or a properly authorized third party sent it to them. '' This is completely incorrect and I feel it is a " Dear XXXX letter '' tactic the company is using to delay processing disputes that are accurate, valid, and authorized by the consumer themselves. I XXXX XXXX, wrote to Transunion to dispute inaccuracies listed on my credit profile and personally typed out my disputes, account numbers, and included my personal identifying information such as my DOB, SSN, and copy of my personal Driver 's license. I mailed my disputes to Transunion in XXXX. 

I called Transunion today ( XX/XX/2022 ), to inquire about the letter they sent me, which claimed that I did not mail out my own credit letter disputes and the rep told me that they aren't able to see any letters that are sent out to customers regarding this issue and gave no solutions to remedy my concerns. 

I have been denied the ability to dispute my Transunion credit profile, and Transunion is now in violation of F.C.R.A. 607. Compliance procedures [ 15 U.S.C. 1681e ] by failing to " maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ].
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.
Consumer complaint received 2022-11-07
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. (CA)

I have contaced Equifax and XXXX regarding my hard and soft inquiries, and they refused to do anything. XXXX stated again, they do not follow US federal law and only their company policy! Which have violated my privacy! 


The list of accounts below has violated my federally protected consumer rights to privacy by obtaining a hard inquiry and soft inquiries : XXXX-Has violated my rights to privacy Equifax-Has violated my rights to privacy XXXX XXXX XXXX  Usa- XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 2020-11-06
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: EQUIFAX, INC. (CA)

I XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached documents
Consumer complaint received 2024-02-28
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. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-11-07
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2022 I received a letter from Synchrony Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by Synchrony XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and XXXX Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and XXXX.
Consumer complaint received 2020-12-15
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: U.S. BANCORP (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, MECHANICS BANK, on XXXX. XXXX, 2019, METROPOLITAN XXXX and on XXXX. XXXX, 2019, US BANK XXXX XXXX XXXX XXXX the report does not include information about this creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Aqua Finance, Inc. (CT)

XX/XX/XXXX and XXXX, 2019, my father, a Veteran of advanced years and poor hearing, was approached by XXXX XXXX XXXX of Florida and sold, via financing, a water conditioning system he does not need. I attempted to resolve the matter with XXXX XXXX and when that didn't work, I attempted to resolve it with Aqua Finance Inc, the company that XXXX gets paid by. Aqua Finance has no interest in releasing my father from a contract he didn't realize he was signing, nor are they willing to work with the investigator from the County Consumer Protection agency that I engaged when I filed a complaint with them.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/2022 our loan was transferred from XXXX XXXX to Specialized Loan Servicing. We have XXXX borrowers on our account. I have made multiple attempts to access my loan, but am not allowed to post a payment or create an account, because I am listed as # XXXX on the loan. 

It is unacceptable that I can not access my account. I have made numerous attempts online and over the phone. 

The employees are rude and unhelpful, their phone system continuously disconnects you. Our payment is due today, and we have been unable to post the payment. They insist on charging exorbitant fees if you don't pay online, but will not grant online access.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

XX/XX/2019 a purchase at XXXX XXXX XXXX # XXXX in XXXX XXXX, Tx for {$67.00}. On XX/XX/2019 a purchase at XXXX XXXX  # XXXX in XXXX XXXX, Tx for {$2.00}. Fraud report filed # XXXX. XXXX XXXX 's in XXXX XXXX, Tx. Informed that there is no XXXX XXXX in XXXX XXXX with the store number of # XXXX, # XXXX. Called the card company several times, but never transferred to the Fraud Division. XXXX XXXX XXXX    XXXX XXXX number is XXXX (? ). Wrote a letter to the company, no response. Card replaced!
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

XXXX Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Consumer complaint received 2021-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted request to Transunion, XX/XX/XXXX, And XX/XX/XXXXto dispute a late payment for the month of XX/XX/XXXX for my XXXX XXXX account. I submitted my dispute letters on XX/XX/XXXX and a follow-up letter on XX/XX/XXXX. I have yet to hear back from either of these companies with the result from my investigation.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (FL)

CFPB Response Closed With Explanation XXXX XXXX ( Case # XXXX ) XX/XX/2022 Client Services , IncXXXX XXXX XXXX ) is a financial services provider, which represents clients in recovering delinquent account balances. Please be aware, XXXX does not purchase delinquent debt or file litigation against consumers. XXXX collection efforts are limited to telephone calls and written correspondence. XXXX appreciates that XXXX XXXX has taken the time to make the company aware of the situation. XXXX strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that XXXX takes all complaints very seriously. XXXX has conducted a thorough investigation of XXXX XXXX claims. We received XXXX XXXX accounts on XXXX. Per XXXX XXXX request, the accounts have been placed in cease and desist status and XXXX XXXX will not receive any more communication from Client Services , Inc . If they would like to discuss this matter, XXXX can be reached at XXXX. Thank you for giving XXXX the opportunity to investigate this issue.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, a Case Specialist with Wells Fargo Bank 's Enterprise Complaints Management Office responded to two complaints that I filed with the CFPB, alleging violations of Regulation E and identifying Wells Fargo Bank 's failure to protect their banking customers under federal and state consumer law. 

In sum, the bank claims that an investigation was completed on XX/XX/XXXX, however, this is impossible as I spoke on the phone with a Wells Fargo Claims Specialist on XX/XX/XXXX for over 30 minutes. It was during this call, well over 10 business days of my reporting of the unauthorized transactions, that I was asked for the first time some specific questions that pertained to these transactions. 

The bank 's XX/XX/XXXX letter is false and cookie-cutter, and most importantly, utterly fails to address the bank 's violations of Regulation E. 

During my XX/XX/XXXX call with the bank, the Claims Specialist explicitly advised me to file a police report, or to work things out with the merchant directly. This is in DIRECT violation of the most recent FAQ and guidance provided by the CFPB in regards to Regulation XXXX and its application to real life. 

In sum, Wells Fargo deliberately lagged on investigating my claim and waited up until the last day prior to credits requiring to be issed to " deny '' my claim. However, it's undisputable that no such investigation could have truly and fully occurred where I was asked questions about my claim on the last day. 

Importantly, I want to point out that the bank specifically advised me to take action that is not requisite under Reg. E, and goes against wha the CFPB advises these institutions.
Consumer complaint received 2021-03-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried multiple times to get credit reporting agency to correct information they dropped score drastically based from and they continue to make excuses to not fix problem. I have provided data that clearly shows that the information they show on the webpage is not correct. I am attaching to this complaint data that shows they as of this date XX/XX/2021 they clearly show inaccurate information when data shows it is wrong. They claim you can upload documentation to dispute error and yet this step goes no where. They want you to pay for a which done nothing but allow you to freeze account from outside inquiries and yet they claim they can not fix they error and freeze it at credit score that it should be. They can make changes on a minutes notice which hurts you but when it comes to correcting their own mistakes they CAN NOT make score changes. Copy of this claim will be attached to this too.