davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (NC)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX MO XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal XXXX XXXX
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

Dear Sr, My name is XXXX XXXX ; I have try more then once to open a basic checking account with CITIBANK N.A. in the State Of Florida and I has been declined, I don't know why. The request has been for a joint account with my wife XXXX XXXX. I feel discriminated by this bank Institution maybe do to my financial level. I like to have a explanation and see if my thinking is correct.
Consumer complaint received 2019-03-22
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. (GA)

I believe that I have been victim of Identity fraud. I am writing to dispute an item that appeared on my credit report. This account was opened in XX/XX/2014. I made several attempts to remove this item. It was removed then reinserted into my credit report without proper notification.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-12-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

My spouse and I started the Refinance process in XX/XX/2020 with Freedom Mortgage and we were told on XX/XX/XXXX that we could set an appointment to close on the refinance. we set an appointment for the end of XXXX. The closing was canceled without any warning to us. we were set to close again on XXXX XXXX and we signed all our documents. our documents were sent and the Title company XXXX XXXX lost half of our documents resulting in my identity being stolen on top of not being able to refinance in XXXX. It took Freedom Mortgage 2 months to give us a new date to close, we were set to close on Wednesday XX/XX/2020, our closing was cancelled last minute due to the title company XXXX XXXX not having the proper documents to provide. We again tried to close yesterday XX/XX/2020 and once again our closing was canceled last minute due to the exact same reason that the title company could not provide the proper documents. Freedom Mortgage has promised time and time again that they would close my loan in 6 total from the start and it has been almost 7 months of my wasted time and no one can seem to answer any of my question why this is happening.
Consumer complaint received 2019-10-10
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. (OH)

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Freedom Mortgage account XXXX NOW XXXX account XXXX Paid XX/XX/XXXX mortgage statement to Freedom Mortgage in full PLUS {$400.00} additional principal via XXXX checks via XXXX mail. Checks were never cashed. 

Freedom Mortgage account shows I never paid XXXX statement. Not true. 

Received letter from XXXX that Mortgage has been transferred to said company as of XX/XX/XXXX, now account XXXX. Online account shows that XXXX payment has been made, but I still owe XXXX payment? Checks made out to Freedom Mortgage not cashed. 

Where is the payment I remitted? I have never missed or had a late mortgage payment, clearly a problem with transfer process, HOURS OF MY TIME WASTED ON THIS. 

I can not afford to make another mortgage payment for XXXX only for the original checks to be somehow " found '' and cashed. I should not have to have a missed payment associated with my/my husbands account because of errors on the part of these XXXX companies.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX****, XXXX XXXX****, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX   XXXX****, XXXX/XXXX XXXX****
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX 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 n i made this clear for 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n 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 60days 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  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-13
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. (NC)

Multiple Disputes letter sent XXXX XX/XX/2022 Got Update From TRANSUNION XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish 15 USC 1681b. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND
Consumer complaint received 2023-06-25
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. (TN)

I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal once again closed/permanently limited my account for no valid reason ( a day ago ) ..Tried to submit some valid documents but they just declined and suddenly blocked my account. Many times tried to ask or beg to reopen or atleast to release my money inside the account ( everything the stories i told to them ) but no sense at all ... Those little money just i worked hard for some online transactions so i won't see anything wrong with that..My PayPal account : XXXX. 
Thanks and regards..
Consumer complaint received 2019-04-26
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. (AZ)

As of XX/XX/2015 Transunion Credit Reorting is reporting my Credit Card Utilization at 40 % and is including my Equity Loan as a Credit Card, This is secured loan not a credit card. This Secured Home Loan has a balance that distorts my actual credit card utilization. When I contacted them they basically said " not my problem ''. The reporting bank needs change how it is reported. It is an Equity Loan so not sure what else they need to do and bank is not going to change what it is!
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I originally reached out to Experian on in XX/XX/2022 regarding incorrect reporting of a collection account on my credit report. XXXX XXXX is a collection agency that agreed to remove the credit file on all 3 credit bureaus once I paid an amount we agreed upon for settlement. They sent me a letter showing that they agreed to that as well. Experian updated that the account was settled, but did not remove it. I submitted a dispute, and attached the letter from XXXX showing the account was settled and that they agreed to remove it from my credit report completely. Experian completed their investigation in 1 week and told they wouldn't remove it. I called in, spoke to a specialist at Experian and they re-opened the case on XX/XX/2022 and advised it was supposed to be removed. They have completed the the investigation again, and still have not removed it from my credit report. The dispute number is # XXXX and the report number is XXXX. I have the letter from the credit collection company showing they agreed to remove it from my credit report completely with payment, and Experian isn't removing it which is a violation of my rights as a consumer and they are not following fair reporting practices.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Consumer complaint received 2022-05-13
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. (OH)

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX  XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY Tenant
Consumer complaint received 2020-12-18
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. (IL)

I have an open dispute over 30 days because XXXX checked my credit without my knowledge or consent, thus, did not have a permissible purpose for placing a hard inquiry on my TransUnion credit file on XX/XX/2020. XXXX refuses to remove the inquiry speculating that " either you or someone with your information applied for credit '' so to dispute the inquiry with TransUnion which I did twice. However, I have since learned after filing two disputes and numerous email exchanges and conversations with XXXX  executives that basically I have no right to privacy and consumer laws are ignored unless you pay the FCC and an attorney. In other words, anyone can check my credit anytime they feel like it, change information on your credit file to false information, and that if the CRA is TransUnion that it will not demand any validating documentation a.nd will not protect the consumer
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA