davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I attempted to apply for credit with XXXX on XX/XX/2018 - I was declined by the company via an emailed adverse action letter/notice and the reason given was NO CREDIT REPORT FOUND - I was instructed to contact Experian since their soft pull return such - I contacted Experian numerous times on XX/XX/2018 and kept getting wrapped up in the automated phone system - after reaching a representative at XXXX the woman instructed me there was an extended fraud alert on my credit file and she would have to generate some security questions in order to remove the alert - upon waiting on the woman to come back to the call after being placed on an extended hold time - she asked me one security question and then the cal disconnected - I was on the phone for 23 minutes - I called back and reach another representative named XXXX that informed me he couldnt generate the security questions so I asked for him supervisor whom I was told was XXXX XXXX the supervisor instructed me he couldnt pull the security questions either and now I had to submit some documents to resolve the issue which would now be time consuming - there should be no reason that one agent is able to pull-up security questions and another can not forcing the consumer to go through more inconvenient steps - it should be further noted I asked for the extended fraud alert to be removed almost over a year ago from todays date when I had a similar issue regarding potential creditors not having access to my credit report because of the alert status. Experian continues to inconvenience me where Im having to make multiple calls into the same company to still have the same issue and have no resolve. Now speaking to XXXX on XXXX XXXX and still not attempting to help me. XXXX then transferred me into a voicemail box for a supervisor named XXXX then call was dropped. 

Each time called today was : XXXX - 4 minute call XXXX - 23 minute call XXXX - 56 minute call
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX Date of inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2021-08-28
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. (CA)

I've filed a credit freeze with all three major US credit bureaus ( XXXX, TransUnion, XXXX  ) I've received a PIN to unfreeze my credit from each of them. 

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider. 
XXXX  worked mostly fine. 
XXXX and TransUnion both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 
These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public.

As an aside, the XXXX  breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Consumer complaint received 2021-05-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Last year I lost my job and bank offer me forbearance program for 3 months and extended by other 3 months, I paid 3 months and only I used program for 3 months, couple times I requested for 12 months forbearance but bank sold my loan to the investors and they dont accept, I have hardship by last 2 weeks I got unemployment income now start working but I dont have enough income to pay my mortgage just barrows from credit card to pay my mortgage I dont know what to do not.
Consumer complaint received 2023-09-11
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX OF XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights 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 a account without my written instructions
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NJ)

Someone hacked my account and is now using my identity to contact you. My name is XXXX XXXX XXXX and they contacted you as XXXX XXXX that is not me. Please fix this. I am the real person.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MS)

I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : 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 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 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC (WI)

There appears to be a discrepancy in my loan contract vs my actual payment schedule. I paid extra toward this loan and my payment amount has not gone down. To date I have paid {$450.00} on a {$500.00} loan.
Consumer complaint received 2022-03-28
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. (GA)

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CXXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : 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 2022-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MO)

On XX/XX/2002, I tried to invest {$2000.00} in mutual funds from my XXXX account. They removed the money from my cash account, but never put the money in any investments. My cash account is down {$2000.00}, and my investment account is still {$0.00}. There is {$2000.00} missing. This has put my cash account into the negative, which means I can not use my XXXX funds to pay medical bills. My medical bills are piling up, and aren't getting paid. It is all Optum 's fault. 

I've called/chatted with the company 10-15 times. They keep saying they will fix it, but they haven't. They say they will call me back, but they don't. I feel like I'm at a complete loss of options for help at this point.
Consumer complaint received 2022-01-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-05-11
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: Credit Central Holdings, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-03-08
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. (MO)

Requesting the removal of all negative accounts and adverse remarks. It is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware all negative remarks found on my consumer report is a violation of the FCRA and the FDCPA when you can not furnish the validity of the remark.
Consumer complaint received 2018-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (VA)

Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?
Consumer complaint received 2023-06-20
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am current on my mortgage but the payment for XX/XX/XXXX I dont have the current amount. Im trying to get approved for a forbearance but they keep offering a loan modification, but cant qualify for that since my credit score is low. Ive asked them several times to assist me with a forbearance but not helpful at all. I dont want to default on my payments
Consumer complaint received 2023-01-12
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)

EXPERIAN is in violation of the below laws on the accounts mentioned, and I want them removed immediately after they failed to respond to my demands in the required 30-day time to respond. 

XXXX XXXX, Account # XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2022-03-28
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: Experian Information Solutions Inc. (SC)

XXXX XXXX Account is in charge off status, Amount has been updated and higher monthly, balances are wrong, Date of last activity is also wrong. No method of verification was given. Yesterday I notice that it posted a {$120.00} increase on this closed account. This is damaging to my report.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CO)

My mom died XXXX XX/XX/XXXX. As executor/trustee, I personally went to Union Bank XXXX XXXX XX/XX/XXXX with trust documents, death certificates, etc and closed my mom/family trust 's three Union Bank accounts, walking out with three cashiers checks. I continued to get statements showing a small balance in one account that evidently was NOT closed at the time. I contacted the bank XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I've been reassured they are " looking into it '' and that the account will be closed. I received another statement XX/XX/XXXX, so sent another email to XXXX XXXX XXXX Union Bank contact ) asking that the account be closed and that a check for {$2.00} be sent to me along with a final statement showing the account is closed. I have had no response. On XXXX XX/XX/XXXX I received yet another statement showing the account remains open with {$2.00}. Union Bank has failed to be responsive to what I think is a simple matter of minimal monetary significance ( maybe that's the problem ). As executor, I can not close out the trust until all financial accounts are closed... I am stuck and appreciate any help you may offer.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$14000.00}