davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/2022 ;
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
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 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
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: BBVA FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft BBVA USA 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 XXXX Account Number : XXXX This is not mine. 

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

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

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

8. Identity Theft XXXX  OF XXXX Account Number : XXXX This is not mine. 

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

10. Identity Theft 08 COMPASS BANK Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc. (TX)

On XXXX XXXX i fell victim to multi-layered scam operation run by fake officer of the FTC ( the scammer ), which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm. I had sent my complaint letter to Bitcoin of America, in which i clearly stated how this scam has affected me personally, psychological and financially.
Consumer complaint received 2017-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.
Consumer complaint received 2021-02-17
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. (GA)

I have disputed the account with XXXX XXXX probably four times due to inaccurate information being reported. The company continues to verify the information as accurate. My most recent disputes pointed out that the balance is inaccurate. The company continues to randomly change the balance. The balance is now reporting as {$800.00}, but that could change at any moment. The original charge off balance was {$680.00}, which I pointed out in my dispute letter. There is no added interest to this account. I have attached a document directly from the company sent to me on XX/XX/2021 that shows the balance as {$680.00}. Please look at the document. At the same time, the company continues to report a higher balance to the credit bureaus. This is not right and is against the Fair Credit Reporting Act. Equifax can not allow companies to report inaccurate information after a consumer disputes the information and provides proof. This is my second documentation to Equifax about the balance. The information has not been corrected and the account is still reporting inaccurately on my credit report.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX CARD Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-07-22
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. (PA)

I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following inaccuracy I found on my report : XXXX  XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2022-05-03
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: WELLS FARGO & COMPANY (NY)

I was sent a XXXXXXXX card ( I believe for rent payments ) from Wells Fargo. I have tried contacting Wells Fargo several times to make sure that the account is closed. I have not received any confirmation in writing that the account has been closed. I still receive e-mails and letters from XXXXWells Fargo about this account. 

I have been told that the fraud office is closed. I have been disconnected when trying to reach them. I have been told that I should call them directly since the representative can't connect me. 

Wells Fargo opened a fraudulent card in my name. I have been a homeowner for over 30 years, and I have substantial unused credit lines. I didn't need a card to pay rent. Even the most cursory analysis would have indicated that the application is fraudulent. 

To me this is evidence that Wells Fargo still does not have proper controls in place. I don't bank with them, and I don't plan to bank with them.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (VA)

TDBank 's online experience is useless. There's no information whatsoever on the escrow. When I call, it's 2 hour wait times and getting disconnected, or the person can't help. They were supposed to mail an escrow statement and never did. This is insane.
Consumer complaint received 2018-06-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (KY)

As of XX/XX/XXXX pnc stop sending the monthly account statements on my second mortgage equity line of credit. I have made numerous phone call to pnc in regards to the problem. They have no answers only that they are not sending out statements to people that have filled bankrupt. I had to file bankrupt 10 ten years ago the great recession that they had alot to do with. The loan agreement stated they would send out monthly statements. I fell this is some kind of game pnc is playing to cause me problem with my second mortgage account. I have made payments on time for the life of the mortgage loan taken out in XXXX. I have attached the only information i can get and have received from pnc regarding this problem.
Consumer complaint received 2017-07-21
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: Ad Astra Recovery Services Inc (TX)

My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Hello, We are current with our mortgage. 
We have been told by shellpoint mortgage co. that our payment has increased by over {$500.00}. 
Their reason is something about reserves. We can not afford this large increase. 

We have attempted to resolve this with them but they will not work with us at all.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (GA)

This account is fraudulent and XXXX XXXX XXXX XXXX. I know they retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. They are still with this trickery and foolery. 

I need to know what could be done to this company criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. This is unacceptable and unenforceable, and this is an unscrupulous attempt by this company against me. They are only worrying about saving their brand, and not helping the consumer. 

My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were hell-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. This company has a strong dislike toward Veterans, and Gold Star Family Members. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this Gold Star Family member. Please? 

I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. 

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I can present my deed to my house. I have contacted Fair Debt Collection Attorney this morning and I am waiting for a return call. 
However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX XXXXn is a XXXX   and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? 

XXXX XXXX I need your help to put an end to this harassment. They are too stubborn, and they are too crooked to satisfy consumers. They are too concerned about their brand at the expense of Veterans. This company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (NC)

XX/XX/2021 I inquired online regarding a consolidation loan with Upgrade Inc. 

I was asked to provide account numbers for the debt I was seeking to consolidate Within days I received notice that a loan had funded in my name and payments were sent to my credit union and several of my credit card accounts. 

I contacted Upgrade Inc and informed them I never received a loan disclosure or truth in lending statement, nor had I approved or signed off on an XXXX or monthly repayment amount. 

I returned money that was deposited to my credit union as well as had all money returned from my credit card lenders that was sent as a payoff. 

I received a letter from Upgrade stating that all money had been returned and that they were working to close the account and update the credit bureaus. 

I was strong armed into a loan without full discloser and transparency after making an online inquiry! 

They never made good on updating my credit report and intentionally sold the erroneous debt to a third party leaving me with a bogus charge off and detrimental credit rating, that is now costing me in higher interest rates as I shop for a home mortgage. 

MY CREDIT REPORT SHOULD BE UPDATED IMMEDIATELY AND NOT A WHOLE YEAR LATER! 

There are fair lending laws for the state of XXXX XXXX XXXX Upgrade Inc should not be above the law and strong arming the public into doing business!
Consumer complaint received 2022-12-15
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. (FL)

ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 DAYS.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (MA)

called barclay today to state that this household has been effected by covid hard. i have taken permanent [ ay cut and taken back XXXX dependents without benefit of support supporting family of XXXX on XXXX!!! barclays has offered a temporary assistance but need to be permanent SOLUTION .i am willing to be pro active and ask for settlemENt but they don t want p hear it.all along no reductiOn in intrest rate either OFFERED.THERE REPS AWFUL TO DEAL WITH AND CUSTOMER SERVICE EMAILS DONT ADDRESS PROBLEM,
Consumer complaint received 2022-12-15
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)

In accordance with the fair credit reporting act XXXX account # XXXX, has violate my rights.15 USC 1681section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-15
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I HAVE NO KNOWLEDGE OF THESE INQUIRES REACHED OUT TO BUSINESSES THEY HAVE NO KNOWLEDGE OF INQUIREMENTS PLEASE REMOVE AND DELETE FROM REPORT