davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my XXXX health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB ).
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

XX/XX/2022 my mortgage was purchased by Mr.Cooper. I typically pay my mortgage in XXXX partial payments. My XX/XX/2022 payment was the first payment to go directly to Mr. Cooper. I paid as typical. in XXXX partial payments, which was never an issue with my previous company. Mr. Coppers website and app has partial payments as an option. I was charged a fee in XXXX because according to Mr. Cooper although my payment ( and additional {$150.00} in principal I paid ) went towards an unapplied funds account. I called Mr. Copper 14 times and couldnt get through on their phone system. I emailed the company three times and received no response. I had to take a day off of work, to stay on hold for 2 hours in order to speak to someone from Mr. Cooper. Finally Mr. Cooper reversed the fee, and applied the funds correctly- BUT Mr. Cooper reported to credit companies that I did not pay my mortgage AND they placed my additional principal payment of {$150.00} towards a forbearance payment. I have never ever been late with a mortgage payment, and have excellent credit. I want this company to be addressed for reporting false information about me to the credit companies. Furthermore, Mr. Cooper does not answer their phones for hours and never reply to written inquiries or requests. The representative I spoke with stated he submitted an investigation request. It has been two weeks, and I still have no response from the company. I was only able to reach a representative after 14 prior attempts to call them. I was unable to wait on hold longer than 1 hour those 14 times. I had to take a day off to wait on hold for 2 hours to speak to a representative. These are poor business practices and failure to respond to written complaints, in addition to reporting false information.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

This happened during the night of XX/XX/2018 on the website store of XXXX XXXX XXXX/ So I tried to purchase the XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX using the XXXX code to knock off 40 % from the full price of {$390.00} down to {$230.00}. At the shopping bag page, there was a promo advertising that if I opened a XXXX XXXX credit card that another 25 % off would be applied to the purchase, bringing down the final price lower to {$170.00}. So I opened a XXXX XXXX credit card account, and took the subsequent credit score hit from the inquiry. 

Once I tried to checkout though, the 25 % promo would not apply. So I called their customer service line and I was informed that, even though it was clearly advertised on their website in the shopping bag before checkout, that they would not honor this promo. 

I am attaching a screenshot of the shopping bag page that was shown to me during my transaction. Please forgive the added text for emphasis as this is the same screenshot I sent them via email to emphasize their misleading promotion.
Consumer complaint received 2018-11-08
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. (TX)

The continue to report information on my credit report that is not mine. ( Identity theft ). They responded to my request for validation as { account verified ) but did not send me any information verifying the debt. I requested an original contract or any information that they could send me proving that the account belonged to me, and not just bared my name. I am a victim of identity theft. They continue to report collection account that is not mine. I have sent them multiple requests to validate these accounts and send me verification of it, yet they choose not to. They send letters saying the debt has been verified by a collection agency as being mine, but IT IS NOT MINE. The collection agency is XXXX XXXX as well as XXXX XXXX.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I recently tried to do a Temporary Lift of my Security Freeze with Equifax and was not able to complete it online or via phone, I kept getting a message saying 'Invalid PIN ' I know my PIN, I have my original letter from Equifax dated XX/XX/XXXX that clearly shows my PIN. 

Because of the 'Invalid PIN ' message that I kept getting, I had to call Equifax and find out why my PIN was not working. The Equifax rep that I spoke with said at first that I had my PIN lifted since XX/XX/XXXX. I said that was wrong, his information was wrong, I never did that. Then he said that my PIN had been changed when my address was changed in XX/XX/XXXX because I lost my PIN. I said that was wrong, his information is wrong again, I never lost my PIN, I have a copy of my original Security Freeze letter dated XX/XX/XXXX that clearly shows my PIN. He said again that my PIN was changed when my address was changed. I wanted to know why my PIN was changed without my knowledge, without my permission, without my consent, and why was I never notified of the change to my PIN and why was I not informed in writing of my new PIN. He said that a letter was sent to me in XX/XX/XXXX, I said that it was not, he was wrong again, I never received any communications regarding a change to my PIN. I had to ask him what my PIN is now so that I have it. I then requested a written communication be sent to me about the changes to my PIN, and a new letter be sent to me that clearly shows my new PIN. He said that he would send me a new PIN confirmation letter, and that I would receive in 7 -10 business days. It is almost 3 weeks later and I have not received a letter that clearly lists my new PIN from Equifax, or any communications regarding the changes to my PIN.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (WI)

I did not authorize a hard inquiry on my credit report. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Text sent to Wells Fargo Services. 
-- The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XX/XX/2022. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Although I am mostly a happy Wells Fargo customer, I would have not have wasted a hard inquiry for a CLI increase request. 
Mistakes happen, but I am asking that you remove this inquiry from all three credit reports. 

Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you find the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2022-06-17
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (AZ)

Approximately 10 days ago I deposited and cashed a check from a third party that bounced. It was my not my fault - it was the person that gave me the check. 

I was then left with a negative balance. I was going to let my direct deposit on XX/XX/XXXX refund the account. 

But without my knowledge US Bank closed / froze by account. Their fraud dept. or the bank branch did not notify me of any issues. I believe they over reacted with out trying to reach out to me - the customer. 

Understand they have to protect themselves but if they would have contacted me all this could have been avoided. 

They have not offered any way to fix the problem - how to get my direct deposit, and have not given me a direct answer as to why my account was closed. I received no phone call, email, or text. They mailed a letter which would take several days to received. 

Any other bank would have made an effort to notify the customer. I had a fraud issue with XXXX XXXX  a couple years ago and they were wonderful, helpful, and understanding. 

In contacting their fraud department clearly they were just reading off a script as when I tried asking other questions they kept repeating the same line over and over. They did not seem to care or offer a way to help. Just kept repeating ... again sir " my account is scheduled to be closed XX/XX/XXXX '' " you will be mailed a check with remaining balance '' US Bank can open my account in less then 30 minutes but take 15 days to close my account? I am pretty sure they can fix it and return my funds immediately but refuse to. 

They have already removed the negative balance - my account shows a positive balance of {$900.00}. 

US Bank is not making any effort to help and clearly I am trying to work with them. Will attempt to go into branch and see if they can help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

As a victim of the Equifax data breach, I am deeply concerned about the security and accuracy of my personal information. The breach compromised sensitive data, putting me at risk of identity theft and financial harm. Therefore, I urgently request the deletion of certain items from my Equifax credit report to mitigate the potential consequences of this breach. These items may include inaccuracies, fraudulent accounts, or any information that could be linked to the breach and its aftermath. It's crucial for my financial well-being and peace of mind that these issues are addressed promptly and thoroughly.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2021 I requested a payoff for my mortgage, with XXXXXXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sold my XXXX XXXX lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to XXXX XXXX which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my FICO score by roughly under 200 points. 
I called XXXX XXXX to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what XXXX XXXX wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that XXXX XXXX asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that XXXX XXXX asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by FICO score. XXXX made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know XXXX XXXX has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to XXXX XXXX XXXX department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from XXXX XXXX even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my FICO score. 
This delinquency was only reported to FICO and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with TransUnion. 
I have also attached below the letter I have sent to TransUnion for the dispute with all the related information.
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have lived at XXXX XXXX XXXX XXXX since 1983 and have never had the addresses of Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Please remove these two former addresses from credit information. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion fraud department to dispute inquiries that were not mine. I explained to the representative that the documentation that they are requesting in order to remove the inquiries is impossible to obtain due to the COVID 19 mandate in my state I can not go to my local law enforcement office to provide a police report due to NO in person contact at this time. The representative advised me that she can only remove 1 inquiry from the 7 that I wanted to dispute. Here are the inquiries I wanted to have disputed. 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

I opened up my own bank account and XXXX XXXX XXXX was suppose to close me out of his account. In the meantime, he received a check for almost 60,000.00. He also received two XXXX checks he had told me that the {$60000.00} check was from his home mortgage company and the other two checks were from stocks from his old company he worked with. I knew nothing where the money actually came from except what he had told me. He said he had taken me off of his account and I had already given him back my debit card from that account. One day, a Mrs. XXXX from Wells Fargo contacted me stating that XXXX XXXX XXXX owed them over 45,000.00 dollars and had told me that he was involved with a check scam. I was shocked that she was giving me this information because I had thought I was no longer on the account and had no access to these funds. He always had online statements and never let me know. I have divorced him and when I remarried my husband and I went to Wells Fargo to add me to his checking account and they said I could not do that because I was still on XXXX XXXX XXXX XXXX this account. I contacted XXXX XXXX XXXX at XXXX and he told me that once he closed his account that was when he had me removed from it. So the whole scam is under my name as well, and I had no clue that this happened. XXXX XXXX XXXX never did do what he said he told me about removing me from the account when I opened up my own personal checking account with Well 's Fargo. I didn't think my ex-husband would be a victim to this but he never let me know what happened and I still don't know what is going on with it as of today. I found out when I went to get my name on my new husbands account. The bank asked me to file a claim and then once it is filed they would see if I can get added to my new husbands checking account. So this what happened.