davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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. (CA)

In XXXX I was informed my information had been compromised due to a large security breach of a credit monitoring company. It was recommended by the company that I freeze my credit for safety, which I did. Fast forward to XXXX, I am trying to temporarily unfreeze my credit to purchase a home. Two of the three major credit companies have let me temporarily unfreeze my credit to support the mortgage process, Experian will not. The information Experian has in my account has not been updated since XXXX. Since that time I have moved and gotten married. As a result, the website could not verify who I am, even though I am giving them correct information, but their systems has me stuck in XXXX. My account has been locked and the only solution they provide is to send hard copy of sensitive information to a PO box in another state. I followed their steps to try and clear-up the issue, and now it has been 30 days, and still no response or resolution. My mailed information was delivered to Experian on XX/XX/XXXX. It is XX/XX/XXXX, and they have still not contacted me or unfrozen my account. Experian has hijacked my credit and my account. Their lack of action is impacting my ability to get a mortgage and may impact me buying a home. I am very upset with Experian. Their lack of updated information and their lack of communication is causing me and my family lots of anxiety and stress, in an already very stressful time. I don't know how to move forward, I have followed Experian 's steps and gotten to a dead end.
Consumer complaint received 2020-12-10
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. (NC)

On XX/XX/20 I attempted 3x to temporarily unfreeze my credit using the online form provided. At the end of the data submission, the progress wheel continued spinning until the website timed out without processing the request each time. 

I then called Experian at XXXX and followed the voice prompts to confirm my identity and inform my intent to temporarily unfreeze my credit. At the end of the process, the recording informed me I would need to write to Experian, provide numerous documents establishing proof of identity, and my request would be honored within 3 business days. The recording reiterated my request would not be considered unless I wrote and provided the requested documentation.
Consumer complaint received 2020-12-10
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

I RECENTLY SENT LVNV FUNDING LLC 2 LETTERS ON XXXX DISPUTING THE ALLEGED DEBTS SAYING THAT I OWE AND ASKING FOR VALIDITY OF THE ALLEGED DEBT THAT IS BEING REPORTING ON MY CREDIT.I HAVE ALSO ATTACHED A COPY OF BOTH THE LETTERS THAT I AM SENDING THEM CERTIFIED MAIL BELOW.PLEASE ASSIST ME IN THIS MATTER
Consumer complaint received 2019-11-06
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I deposited money on XX/XX/XXXX The money was withdrawn from my bank account by Coinbase on XX/XX/XXXX. My money is still not available to me on Coinbase as oXX/XX/XXXX
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (KY)

I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX  ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXX XXXX  XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (MA)

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Please help!! 
I have been trying to bring my loan current for a week. Instead of accepting my money WF put a sale date ( see attached ) on my home. Im getting zero cooperation out of WF and I have the right to bring my loan current. Wells Fargo will not accept any money or send instructions to the Title company XXXX XXXX. XXXX says they need payoff instructions from WF before I can pay them and bring the loan current. But I 'm not able to get any help out of WF, they will not cooperate. They keep telling me someone will contact me but no one does, shocker!! Instead they avoid me and put a sale date on my home in 3 weeks, XXXX XXXX, 2018 In addition I 'm located right where those CA wild fires are. I believe I have the right to bring my loan current and that 's what I intend to do even if I have to file an emergency BKXXXX and ask the BK trustee to force WF to allow me to bring my loan current. 

Thank you for any assistance you can provide my contact information is below! 
XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-06-04
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/VICSCRT Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2017-12-12
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. (MO)

Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BMO Bank, N.A. (IL)

On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I bought a building lot in XX/XX/XXXX-XX/XX/XXXXand financed through XXXX XXXX. After XXXX, XXXX XXXX XXXXXXXX took over the loan as they took over XXXX XXXX. In XXXX, XXXX XXXX XXXXXXXX reached out to me and asked if I wanted to change my loan to an adjustable with a cap and a 30 year loan. I said yes as long as it didn't impair my credit. I was up to date on payments, actually made greater than minimum payments and early. XXXX  XXXX XXXXXXXX processed the interest rate modification and everything was fine. In XXXX of XXXX, SPS, an incompetent and horrible group, took over servicing of the account. After trying to charge me homeowners for a vacant building lot and 10 plus phone calls and that being resolved, I got a copy of my credit report and it showed that SPS was now reporting that I had a loan modification, not a loan rate adjustment and which did NOT involve a compromise. I've called SPS 20 plus times. I called XXXX multiple times to correct this. They reached out to SPS who refuses to adjust their reporting even though there has been supporting documents from XXXX stating there wasn't compromise and they are solely reporting this on my credit incorrectly. This is a horrible company, SPS, and shouldn't have a license as incompetent as they are. XXXX  XXXX XXXXXXXX has cost me incredible amounts of aggravation, stress and loss of valuable time by out sourcing my loan and this should be illegal or people like myself should be compensated for this type of issue. I am a financial advisor and protection of my license is foremost, something like this endangers my livelihood.
Consumer complaint received 2020-11-17
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. (AL)

During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to me.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CT)

I have a debt for a phone bill on my credit report for a XXXX account I never opened. It is not mine. I was incarcerated. You can look up my department of corrections history and see that there is absolutely no way I couldve been using a phone while I was in prison. I want this debt removed from my credit report because I have no debt anywhere else and now this one single thing is preventing me from beginning to start building a good score. I will never pay for a debt that is not mine. Ive reached out to the collection agency and then they tell me to contact sprint-sprint no longer exists they are XXXX now and they say they have no record of my debt anywhere in the system. Please remove this from my credit report as it is not mine. Thank you
Consumer complaint received 2024-02-21
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-04-26
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)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( CLOSED ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF THE WEST (CA)

I had maintained two MasterCard Cash Reward accounts with Bank of the West, but did not receive the cash rewards stipulated by either one of them : 1. {$330.00} on one account, and 2. {$6.00} on the second account. I attempted three times to redeem these rewards, first by calling the bank call number, second by visiting the XXXX XXXX branch, and the third time writing a letter to the bank, but they have failed to provide my earned rewards.
Consumer complaint received 2020-12-10
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-02-16
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, XXXX, And XXXX  have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.