davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (MI)

I applied for a mortgage through XXXX XXXX XXXX on XX/XX/XXXX, 2019. At that time they contacted all three credit reporting bureaus to pull reports. Equifax returned the request and stated there was a Fraud Alert on my credit and I would have to have that removed. The other two agencies XXXX  and XXXX complied with the request. I was told by Equifax that I would need to send them a copy of my license and social security card. I did not have my ss card present so I was told I could send a copy of a W2. I faxed over my license and a copy of my W2 along with a request to remove the fraud alert on XX/XX/XXXX, 2019. I was told it would take approximately 7 days before the fraud flag would be removed. My bank tried unsuccessfully to pull credit reports from Equifax on several occasions with no success. 

Upon being contacted by my bank that they were unsuccessful, I contacted Equifax again today XX/XX/XXXX/2019. I was told that the fraud alert was removed on XX/XX/XXXX, but there was a discrepancy on my credit file and they could not disclose it to me. I asked what must I do for the bank to get a credit report and I was not given a clear answer. To add insult to injury the service rep, XXXX, hung up the phone on me. 

I am in danger of missing my closing date and loosing my earnest money deposit. Equifax has no right to hold my credit file hostage. I would like to lodge a formal complaint against this business practice.
Consumer complaint received 2018-05-15
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: ALLY FINANCIAL INC. (CA)

A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor. 
I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.
Consumer complaint received 2020-02-26
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: Ad Astra Recovery Services Inc (MS)

Unfortunately, I am a victim of identity theft. I was robbed a few years ago and the perpetrator took my car, wallet, and phone. Inside my wallet included my cards, license, social, etc. Since that horrible incident happened there has been several fraudulent accounts opened in my name. My credit report reveals credit cards, a car loan, apartment collections, and addresses I have never resided at and the list goes on. This is so frustrating. Can you please help me remove delinquent accounts that are not mine. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2018-05-16
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: JPMORGAN CHASE & CO. (GA)

Filed a dispute XX/XX/XXXX for a purchase from XXXX XXXX XXXX XXXX for {$1500.00} which is a partial return from a total of $ 2k+. I asked XXXX XXXX XXXX to return the items as some of the items have arrived late. They gladly accepted the return and provided me with a shipping label. Now, they are saying they never got my items but this was after they sent me an email saying Thanks we have received your items and processing return. I then called XXXX XXXX XXXX  and filed a dispute. Charge was taken off my billing statement at that point and on XX/XX/XXXX I received a letter stating the merchant would not give me a refund because it was returned to the wrong address and they never received it. I then called and sent XXXX XXXX XXXX an email the same day with proof that this merchant provided me a return shipping label, a confirmation from XXXX tracking that it was delivered and a letter from XXXX XXXX XXXX stating they received my items. I called Chase back several times after this to check up on it and they kept saying to wait a couple billing cycles. So I did. Then on XX/XX/XXXX. I received another letter from Chase stating they would not give me my refund as it took too long to dispute. I then tried to call Chase back a few times and they kept telling me there is nothing they can do since the dispute is closed. I feel like they did not put in any effort to back me in this case. What else do i need to do to prove they received my items? I have provided them with all the documents they needed.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-07-17
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: William D. Meeker Enterprises, Inc. (CA)

On XX/XX/XXXX, I was looking for financing company for home improvement and stumble on XXXX. On their website it states the following below : Also, here 's the link : XXXX XXXX XXXX   & XXXX & XXXX & XXXX & XXXX Three steps is all it takes. 
1 Check Your Eligibility Youll receive your preliminary eligibility results in less than 60 seconds. Checking eligibility wont affect your credit score. 

2 Submit Your Application Get approved in minutes. Youll receive all costs and financing terms in an easy-to-read statement before your project begins. 

3 Choose a Contractor Use our website to search for local contractors based on rating and reviews, specialization and more. 


So I went ahead to check to see if I'm eligible, after completing the steps a hard credit inquiries was pulled from my credit. I called XXXX XXXX on XX/XX/XXXX to dispute the inquiry and that the fine prints was misleading to consumer " Checking eligibility wont affect your credit score. '' I told the representative that hard inquiries does affect the credit score but after she talk to someone she refused to help and gave me excused that I should have read all fine prints. They said they can't do anything about it and can't remove the hard inquiries. 

I called XXXX after I spoke to XXXX XXXX and XXXX representative told me that he can't remove the hard inquiry until XXXX XXXX told them to remove the it. He also added they do have the authority and ability to help me and remove the hard inquiry. After I told them they refused to help me - he suggested to go file a complain at www.cfpb.gov and request to have CIC credit to remove the hard inquiry from XXXX XXXX.
Consumer complaint received 2019-09-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/19 my tenant bought a MoneyGram money order # XXXX. 
At WalMart in XXXX, Ny. 
Walmart transaction st # XXXX op # XXXX te # XXXX tr # XXXX The money order was printed incorrect. In words the amount was " XXXX XXXX XXXX XXXX dollars '', but in numbers {$430.00}. 

When deposited at my bank {$430.00} was deposited. 
The money order was returned, because of the printing error. 

MoneyGram investigated and I settled with them for {$430.00} less {$18.00} fee. 

I filled a complaint with WalMart, the following was their response : Question Reference # XXXX Dear XXXX, MoneyGram Money Transfer,  including Walmart2Walmart World, is a low-cost service that allows customers to transfer money from more than 4,000 Walmart stores nationwide to any MoneyGram agent for low cost and at competitive exchange rates. 

MoneyGram is a licensed money transfer operator. For more information visit walmart.moneygram.com, or for technical assistance or to check on a transfer, you can contact MoneyGram at ( XXXX ) XXXX. 

Thank you, Walmart Customer Care
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XXXX I deposited a XXXX XXXX XXXX tax refund check for {$3300.00} via remote deposit capture through the Capital One consumer app. I was notified that there would be a hold on the deposit until XX/XX/12. I called the bank to inform them that the check is issued by a State Government entity and they requested I call back the following day to discuss the hold. Capital One indicated that there were no issues in my account. I have a regular history of significant bi-weekly deposits for payroll into this account and I had {$10000.00} held in savings account with the Bank on deposit so they also had recourse in the event that the XXXX XXXX XXXX did not have funds to clear the check. I called back and the bank refused to lift the hold. Because the check is a government check submitted electronically, I argued that it is subject to Check 21 and Reg CC and funds should have been made available the follow day according to regulations. The bank refused. ( I will not be holding any funds in savings deposit at this institution going forward because they do not follow regulatory requirements ).
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-06
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my 5TH 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
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. (FL)

I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022.
Consumer complaint received 2022-07-27
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: ENCORE CAPITAL GROUP INC. (NV)

I got a notification on my credit report about a collections from midland credit regarding a XXXX card that i never had. 

I looked up the statements and they have my address but i never had this card. there is a balance of {$4300.00} and I only have one card with a {$4000.00} limit which is my dcu card and I still have it in great standing. 

I have disputed this with the credit agencies like XXXX, XXXX, and XXXX with no luck. 

I have called MCM ( debt collector ) about this and issued a fraud dispute with them. 

I have been trying to get this removed from my credit report because ITS NOT MINE!
Consumer complaint received 2016-03-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MA)

My mortgage was sold in XXXX by XXXX Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. Notice from XXXX arrived 2 days late. Informed NOTHING would change. Called Seterus to make payment and was Instructed to wait until the XXXX to contact them. 2 days later received letter from Seterus saying I was late with mortgage payment. Made payment and 2 days later received large package of information on foreclosure citing that was behind in payment. I called Seterus ' " customer service '' concerned I have a history of a late payment with this company and wanted to know why. I was hung up on. 
I have paid XXXX, XXXX and XXXX 's payments but then I get a notice of an escrow increase. That is odd. XXXX reduced by escrow in XXXX based on actual payments to city. and I have not been notified by the city of any increases in tax bills. Is this increase for increased Seterus fees? If so what happened to all terms remain the same? 
I would ask for full accounting and audit of my account and any reference on record be redacted from ALL records owned by or under control of Seterus.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXXBalance : {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc. (SD)

I had someone use my social security number and open many accounts and also inquires I never had made and Payments not showing on paid accounts and my credit score is very bad due to this and I pay all my bills and have not even had a chance to ever ruin my credit but someone is. No one helps me they just keep sending me to online operator and get hung up on I am just so furious I do not even know what to do.