davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

Attachment to complaint XXXX XXXX XXXX # XXXX XXXX We made complaint, PHH AND OCWEN Have not sent our {$8900.00} each month from XXXX until now XX/XX/2022 the letter claim they still investigating send over document we have sent over XXXX e-mail with loaded document or of contract of receipts evidence of repair and picture, it was not insurance who paid claim we contracted the work to be done sent checks to PHH with know XXXX and they claim they were sending release check for {$710.00} they sold property for more than we owe, we have tired communication with phh - send XXXX e-mail and document through XXXX. we have call we sent everything they need get the run around, all we need is our funds, the pictures have shown that work was done insurance company receive the same, but XXXX above name continues asking for what we have sent already.this is unfair her we in 3 month they have sent letter of same, we gave everything they ask for, the letters they send we will review issues raised with the goal of response by XXXX there is letter for XX/XX/2022 /we have call never know answer. send you to another person in XXXX, this is discrimination we XXXX our age we treated unfair.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (AZ)

I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct
Consumer complaint received 2022-03-28
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. (CA)

I am reaching out because there was a XXXX XXXX XXXX account that was opened through fraud, I reached out to the comapny and they stated they closed it out after I sent in a identity theft form and called and spoke to a supervisor. I also don't understand how it now shows late payments on an account that isn't mine. Please remove this from my credit
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc. (FL)

I have followed the proper protocol in regards to collection agency reporting false information to the credit bureaus that hurting my credit score tremendously. I have requested validation of debt from professional debt numerous times but the debt buyer has responded back by spending Invalid lease from the original creditor XXXX XXXX thats nothing of the amount of their are attempting to obtain. I am requesting the proper documentation the dates & signatures of the lease that shows im obligated to pay this debt. Some old documentation were mailed to me that didn't show the proper lease or why that amount is required. I need this to be remove from my credit immediately or ill seek legal action against this company.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was charged {$29.00} by TransUnion for the service they mentioned as free trial. 

It was mentioned as a 30 day free trial period, but instead was charged {$29.00} without even a prompt to tell me before clicking the authorized button. 

Complete deception method applied. The customer service says that can not refund the charges back as we availed for the service.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for this Walgreens credit card issued thru synchrony bank & was denied? Im constantly denied thru this bank I dont understand why I have good credit no obligations yet they send me a a letter stating I have to many obligations to income? Impossible for this to be true! Im attaching my account balances along with the denial letter
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below are erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$0.00} XXXX  / XXXX / {$0.00}
Consumer complaint received 2020-12-19
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. (WI)

The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XXXX of 2020.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

I made a payment in XXXX towards XXXX XXXX bill. Im unsure if they didnt receive the payment but it states in XXXX I had a late payment which is incorrect this was the only late payment I account. I always pay all my bills on time.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I had a savings, checking, auto insurance and investment accounts with USAA since XXXX. I cancelled my auto insurance policy and moved it to XXXX for a better rate. Despite the cancellation of my policy, USAA continued to attempt to debit my checking account for the USAA insurance. I sent documentation on 4 ( four ) occasions to prove that the policy had been cancelled-USAA refuses to correct their error and has now frozen my access to my banking accounts and my investment accounts. They also refuse to timely process any investment transactions I request. My last transaction was not only late in processing, but they also sold the wrong stock ( requested the sale of XXXX XXXX but XXXX XXXX XXXX was sold ) and they witheld extra fees. I have had a XXXX on file since the inception of my investment account, no change has been authorized by me since XX/XX/XXXX. In XX/XX/XXXX, more than {$320.00} in backup withholdings were held from a sale of stock ; my social security number has not changed and has not been questioned in prior sales. Currently, USAA is holding my accounts XXXX by blocking online access to my accounts. This is causing me much distress because I have no other means of accessing my accounts.
Consumer complaint received 2018-07-10
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. (CA)

XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-28
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-10-12
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. (NJ)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-24
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: CORELOGIC INC (PA)

Credco, XXXX and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Consumer complaint received 2015-08-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: LMS Services, Inc. (TX)

A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (IN)

XX/XX/22 - received XXXX XXXX credit card statement in the mail for purchases made on XX/XX/22 totaling {$430.00}. I never applied for this store credit card. 

XX/XX/22 - called XXXX XXXX and talked to their fraud/loss department. They are supposed to be closing this account and say I will not need to pay this fraudulent charge. They confirmed this account was opened by someone in XXXX, West Virginia and the address is XXXX East XXXX XXXX Farimont WV. They used my address for billing purposes and social security number to open this account, but the item they purchased was sent to the West Virginia address. 

XX/XX/22 - went to local police station to file fraud report, they opened up case # XXXX and they referred me to file a compliant with the company and the Federal Trade commission ; FTC directed me to CFPB. Police station also told me to call XXXX XXXX to talk to fraud department and try to resolve.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Last XXXX I disputed two charges to my Citi Double Cash card, as the merchant did not provide the requested service and charged my card by using card information from an earlier purchase. I did not authorize the merchant to keep my card info on file, nor did I authorize the two charges.

Citicards response was that the merchant refused to refund the charges, so I should find another way to get my money back. Since Citicard did not respond to my argument that these were fraudulent charges that no one can expect to be refunded by the merchant voluntarily, on XX/XX/XXXX I sent a certified letter to Citicard explaining again that not providing the requested service, keeping my credit card information on file, and charging my card without my knowledge is a fraud. I also provided proof for my claim. There was, however, no response. 
After several follow up calls, on XX/XX/XXXX XXXX wrote again that the merchant is not willing to issue credit to your account. It also wrote on XX/XX/XXXX : We have no additional options to pursue this dispute since the time frame in which to resolve a dispute has passed. Since Citicard never responded to my claims, on XX/XX/XXXX I wrote a certified letter again, this time to the Head of Citicard, XXXX XXXX. She did not respond. Instead, Citicard posted the same online message again that the merchant is not cooperating, so it closed the case.

I understand that Citicard can not be involved in quality, scope of work, and time disputes, but it has an obligation to protect their customers against fraud. Please help, as for almost a year I have been asking Citicard for fraud protection in vain.

Thanks!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint regarding the inaccurate reporting and failure to service loans by XXXX. Specifically, I have discovered that two student loans, originally held by the Department of Education and subsequently transferred to XXXX, have not been serviced by XXXX since XXXX. I received this information directly from XXXX. 

Despite numerous attempts to resolve this issue through XXXX 's customer service and investigative processes, I have not received any satisfactory resolution. These loans have not been serviced for almost a decade and are beyond the seven-year term of reporting. Therefore, they should be removed from my credit report immediately. 

This inaccurate reporting and lack of servicing have caused significant distress and potential damage to my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX for their failure to adhere to regulatory standards and consumer rights. 

Please let me know if any further information is required from my end to assist in the investigation of this matter. I appreciate your attention to this issue and urge for a prompt resolution.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (DC)

My former apartment ( XXXX ) management falsely claims I owe rent from XX/XX/2021 ; however my lease ended XX/XX/2021. I have provided proof of my signed lease and email exchanges of the lease end date with XXXX. Furthermore, XXXX claims they sent notices to me about this, but I did not receive anything from them. Procollect, the debt collection agency, will not resolve this issue and they have been rude, uncommunicative and when they first contacted me, did not make clear what this matter was about simply saying it was an urgent business matter. Folks I have spoken with there have been unprofessional and taken a tone with me. No one will actually review my case in a serious way, and if they would, they would drop this false debt claim immediately. I have been trying to resolve this issue over the past 2 months to no avail. This is a grave miscarriage of justice.
Consumer complaint received 2022-03-12
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)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that I did not recognize. I was told to file a Identity Theft Police Report which I did. After that, I submitted my disputes to the credit bureaus with the account : BEST BUY/CBNA alleged opened on XX/XX/XXXX with an alleged balance of {$3700.00} # XXXX, still show on my credit report. I contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX, XXXX, XXXX, XXXX and XXXX at Best Buy City Bank Fraud Department and Security Operations at XXXX, XXXX and XXXX and the problem was not resolved.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (VA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-28
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. (TX)

After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX