davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the Equifax and XXXX credit bureaus to confirm these records ( XXXX ). ( XXXX  ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total
Consumer complaint received 2018-02-22
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. (NV)

I received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.
Consumer complaint received 2018-02-22
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: CITIBANK, N.A. (LA)

I pulled my credit on XXXX XXXX and saw a hard inquiry from Citi Bank on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX XXXX XXXX also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

During hurricane Irma we were granted deferment for 5 months! We were told they would put the amount at the end of the loan or work out a suitable affordable repayment and that our mortgage would go up only minimally. After 5 months of derferrement we were told we were being refinanced and were given no choice in the matter. Thus we are 2 payments into XXXX 3 month trial period paying {$300.00} more monthly then before Irma and are XXXX dollars in the rears. We have no idea what interest rate or mortgage amount we will end up with and THIS IS UNFAIR we maybe set up for failure and not even be able to afford the new milysrery payment and hence lose our home to foreclosure. Please advise
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are incorrect and should of been removed from my credit file long ago. The accounts are fraudulent due to the theft of my identity and one presumably became me. These accounts has already been identified as fraud but still reporting on my credit report. Please remove the following accounts. [ 1 ] XXXX XXXX XXXX   {$4400.00}, [ 2 ] XXXX XXXX XXXX
Consumer complaint received 2019-07-15
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. (CO)

I tried to freeze my credit today, XX/XX/XXXX with Experian and their online tool says they are unable to perform this action based on the information I have given, which is everything they ask for. I then tried to call them directly to perform this action over the phone and all they have available is an automated system that walks me through the same information collection and then tells me that I will need to mail in a request. The online tool also demands that I mail in a request. The information they request to be mailed in is everything a potential criminal would need to assume my identity. The address I must send the information to clearly states that it is going to the credit freeze department of Experian which means that any savvy criminal could intercept this letter and use the included information to assume my identity and wreak havoc on my life. Per the ruling of XX/XX/XXXX I have the right to freeze my credit for free. XXXX and XXXX  make this possible via online and phone. Experian is clearly trying to avoid people freezing their credit and working with consumers by making the credit freeze pathway too onerous/difficult. Their online and phone pathways are nothing more than a gesture to fulfill a government requirement and do not actually provide a safe path for protecting one 's credit and therefore Experian is in violation of the law. Experian should be forced to provide a safe online or phone pathway to freeze one 's credit just as XXXX and XXXX   provide.
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I was a victim of fraud in my checking and savings account in the month of XX/XX/2019, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, made their investigations and returned everything to me My money was extracted, after 3 months they are calling me from a company Hunter Warfield, explain that I was a victim of fraud and that I am not going to pay a debt that I have not made, today I realized that they they put my debt in XXXX, they are damaging my credit, I don't understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this inconvenience that will affect my credit
Consumer complaint received 2023-07-17
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used my debit card to pay for something through XX/XX/XXXX on XX/XX/XXXX I received the items damaged and the merchant was rude and didnt help cant reach anybody from XX/XX/XXXX called my bank and did a claim now there not hleping me
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I went into a Wells Fargo branch to close my account. Working with a personal banker, I transferred my checking account balance to my new account. I specifically asked to ensure that all pending transactions on my Wells Fargo account would be completed without issue. 

The banker assured me that I would not be charged a transfer fee and with that assumption calculated what balance should remain in my Wells Fargo account. I was subsequently charged a fee, causing my remaining balance to fall below the amount needed for my pending transactions. As such my rent check bounced and I was charged an additional {$25.00} by my landlord per our contract. My Wells Fargo account also retained a balance as the expected check did not clear. 

I went back into the branch to re-close my account and receive a credit for the {$30.00} transfer fee I was assured I would not be charged. At that point the branch manager, XXXX XXXX yelled at me, told me I was a liar, and said the fees were my fault. XXXX was not involved in my account closing prior to that incident and did not have any context on the matter. Still, I'm out {$55.00} and felt accosted as a customer at the bank.
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: EQUIFAX, INC. (MA)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-17
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false  statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) 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: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IN)

I was alerted back in XX/XX/2020 that someone attempted to apply for a Lowes credit card in my name. I immediately called SyncBank and told them that the application was not initiated by me. While the person who applied was unable to open an account, it still shows up as a hard inquiry on my credit report. After SyncBank investigated, they ruled in my favor and stated that they would send notice to all three bureaus to remove the inquiry. It is now XX/XX/2020 and the hard inquiry remains on my credit report.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion removed an account with XXXX XXXX XXXX that I never disputed from my credit report. I would like to know how this could happen. 

XXXX  XXXX XXXX # XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I applied for a credit Line increase on my XXXX Double Cash Card. I have been a card holder for almost a year with a stellar payment history. I have exceptional credit, high score, very low utilization and not XXXX blemish on my report. My income is excellent as well. 

My request was denied via the e communications on XXXX website stating that I have too few valid credit references. This information was provided by Equifax. This is categorically incorrect. 

I contacted both Equifax and XXXX. Equifax indicated that they can see my entire credit file and I have excellent credit file, many credit lines and a perfect payment history. Also, they said that I do have a large credit file and perhaps transferring data to creditors has become an issue. I have to believe this is the issue since my decline was based on having to few credit references. 

When speaking to XXXX, my interaction with their rep was one of a dismissive posture. I explained Equifaxs issue with my credit file and that I have an extensive credit history, and excellent credit and it was outrageous to get a decline based on having only a few references. I asked could if she could pull either of the other Bureaus and she said no and that the Federal Government dictates what credit bureau can be used. Her hands were tied.
Consumer complaint received 2020-09-14
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)

Today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. Both accounts are from XXXX  XXXX ; I have never open an account with that company and I do not have any contract with them nor am I affiliated to them in any way. I don't know who is responsible for these accounts since I did not authorize anyone to open them in my name. I did not benefit anything from these accounts such as money, services, goods or anything else nor did I ever make any payments towards these accounts. I have already filed a police report regarding these unauthorized accounts in hopes of getting this resolved.
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

When my concerns about my Costco Citicard credit card initially arose a couple of weeks ' ago, I decided to allow a little time for all posted/pending transactions to register in my Costco Citibank credit card account. 
Unfortunately, the perplexing situation, whereby erroneous account balance as well as available credit balance information continues to be a problem today, Monday, XX/XX/2019. Citibank continues to provide inaccurate actual balance and available credit information, continually abusing me, for instance, while at the same time actively involved in unfair and/or unjust practices, banking practices, for example. After my last Costco Citibank credit card payment at an Citibank ATM kiosk, my balance was incorrect ( I, too, realized that perhaps there was a chance that some previous credit transactions had not registered into my Costco Citibank credit card account yet or at least had not registered in a timely manner ). This has been an ongoing problem with Citibank, as often times, Citibank 's automated system/ATM kiosk does not provide up-to-date and/or accurate information. The automated telephone system recently stated that my available credit was approximately {$400.00} an approximate amount less than the actually available credit amount. The deduction of approximately {$400.00} is not shown as a transaction either, making this crime difficult bto track, for example. Essentially, this is someone attempting to steal, a possible scam, a situation that disallows me from accessing all those funds available to me? This scenario is dirty, and again, particularly due to the fact that one ( 1 )  transaction for approximately {$400.00} is not apparent.
Consumer complaint received 2022-07-20
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/XX/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 XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.