davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (MS)

XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (TX)

I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP
Consumer complaint received 2023-03-11
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: Georgia Student Finance Authority (GA)

In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2021-07-16
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: ENCORE CAPITAL GROUP INC. (NY)

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

1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft 01 XXXX XXXX XXXX Account Number : XXXX  This is not mine.

8. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

9. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

10. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

13. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

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

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

16. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-03
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. (PA)

The company XXXX  put on my credit report false information and caused my credit score to go down alot ... .They said I had a balance and it was a lie ... .I never used their credit card ever ... I even called them to close my account with them ... and they did but still didn't remove what was falsely stated about a balance I never had ... .I filed several disputes with Experian and they said that they will take care of it ... But they didnt do anything ... .The complaint I'm making is with XXXX  and Experian ... ..I would like this off my credit report asap ... .Thank you ... .This is XXXX XXXX ... .My phone number is XXXX XXXX .and my email is XXXX ... ..
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (OH)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, XXXX  and Experian, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my rental report and found several errors reported by XXXX XXXX XXXX XXXX XXXX where reported under Docket Numbers ; XXXX XXXX XXXX XXXX These items are reported as forcible detainer which implies I was evicted when I am currently a resident. 

I was never late or evicted. I am disputing this information because it is in accurate. Please remove from my credit report.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (OH)

To the Consumer Financial Protection Bureau ( CFPB ), I am a customer of XXXX ( owned by XXXX XXXX XXXX, Member FDIC, which is part of the Netspend Corporation ) and maintain a checking and savings account with this financial institution. For the period of XX/XX/XXXX - XX/XX/2022, to earn XXXX 's advertised interest rate of 3 %, customers needed to complete 15 transactions and receive cumulative direct deposits of {$3000.00} or more. 

Between XX/XX/XXXX and XX/XX/2022, I completed the 15 transaction requirements ( see attached document for a screenshot from XX/XX/2022 from the XXXX app showing that my transactions qualified ). The qualifying direct deposits were completed on XX/XX/XXXX and XX/XX/XXXX. 

The attached document ( a screenshot from my XXXX app taken on XX/XX/2022 ) clearly indicates that XXXX deemed my transactions as qualifying ( via the tracker shown ), and therefore I should have received 3 % interest on the {$15000.00} balance in the savings account. 

On XX/XX/2022 ( following the close of the XX/XX/XXXX - XX/XX/2022 quarter ) I only received ,2 % interest instead of the 3 % interest advertised and confirmed for my account. I contacted XXXX by phone on XX/XX/XXXX and was informed that I had indeed met the requirements and that the agent 's system showed I met the requirement. For next steps, the agent mentioned that she would contact the escalation team and that I would receive a response in 2 days. As of XX/XX/XXXX I had not received any follow up correspondence from XXXX, and so I called XXXX again. After being put on hold multiple times, the agent during this call ( XXXX XXXX, then stated that my transactions did not qualify and that I would not be receiving the 3 % interest. I informed the agent that XXXX 's tracker indicated my transactions did qualify and that the agent on XXXX confirmed my transactions did qualify, however, he stated that XXXX would not be providing the interest to my account. 

As a result of this outcome, I am contacting the CFPB for resolution. I contend that through XX/XX/2022 XXXX confirmed my transactions qualified, but then after XX/XX/2022 XXXX disqualified those same transactions after the end date of the specific qualifying time period in order to avoid paying out the advertised interest rate. XXXX therefore employed a " bait and switch '' tactic, which I believe falls under the jurisdiction of the CFPB for investigation and enforcement. 

Thank you for your assistance.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Glacier Bancorp Inc. (WA)

On XX/XX/2022 received text message stating, XXXXXXXX XXXX XXXX ( call XXXX Now! XXXX # ) # XXXX XXXXXXXX. ( Full phone number included in text. ) As soon as it was noted as fraud Mountain West Bank in XXXX XXXX, ID was notified and debit card was locked and canceled. The bank noted no fraudulent charges had been made on account.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IN)

It started with them buying my loan from XXXX XXXX. 
Mr cooper called a few times. Said I was behind on mortgage. I said I was not. It was a dispute from the start. They ended up being right but I fixed the problem and made the payments once I was aware and proved wrong. Then I went into forbarence after that. 
My son suffered XXXX XXXX. I had to take off work and I lost everything. I went into forbarence in XXXX until XXXX when I sold the house and the loan got paid in full. There should be no credit hits but for some reason it shows I'm 60 days late in my.credit report. Every time I try call Mr cooper home mortgage. It goes to automation and it's almost impossible to get to a person for help. The only way I have been able to get to a person is by directing me to the refinance dept. Which couldn't help but with my story transferred me. I made around 4 phone calls over this hit on my credit. Each one took over an hour and I got a different story every single time. One person said they would send me all the proof of payments saying I was not late. So I got off the phone. Checked my mail and it was a blank email from Mr cooper. 
The next person said I was late in XXXX. But I went into forbarence in XXXX. Right after my XXXX payment. I made my XXXX payment on XX/XX/XXXX. I was already struggling. Then went into forbarence. 
Now I'm trying to start all over with my family and I can not put an offer in on the house we want to buy because of this 60 day late credit hit that should not be on my credit report. 
Mr cooper home mortgage has been the worse company I have ever done buisness with.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account
Consumer complaint received 2022-04-07
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. (CA)

XXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and TransUnion have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and TransUnion has removed the account but, XXXX and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (ID)

This company called me sometimes up to 5 times a day even though I had told them to stop. I was never notified what they were calling about and thought they to be solicitors and told them to stop harassing me. They never notified me of any debt by letter and because I didn't know what they were calling for either. They reported debt that's excessive without first notifying me properly and have threatened to sue me and I'm on XXXX XXXX and have no other income. My wife XXXX XXXX XXXX has an income and was a resident and should've been contacted about this debt. To report only my debt when my wife was involved and lived with me is bs.
Consumer complaint received 2020-12-03
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. (NY)

Upon discovering I was again a victim of identity theft I took the required legal steps to have these fraudulent accounts removed. As per FCRA 605b the accounts in question were removed although not in the required time frame of 4 days which already placed the credit bureau in violation of federal law. That said, I was okay with the extended time frame however several accounts were reinserted in violation of the FCRA. The FCRA 605b is crystal clear as to when an account can be reinserted and non of the three standards set forth in section ( c ) ( 1 ) ( a ) ( b ) ( c ) apply or are being adhered to. Instead, the credit reporting agencies ( XX/XX/XXXX and Experian ) reinserted these tradelines based on the original creditors request to reinsert with absolutely zero evidence these accounts are valid. The accounts in question are XXXX, XXXX XXXX and XXXX, all were included in my identity theft report and are to be blocked permanently within 4 days of that being submitted. There are legal standards by which these can be reinserted however non apply to this case and their reinsertion is a violation of my rights under FCRA 605b. I intend to file a lawsuit in small claims court as this has harmed me and my family financially and has taken hours of my time every single day.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (LA)

On XX/XX/2024 I open a account with Charles Schwab and made mobile deposit for XXXX they contacted me and congratulations on new account and told me check cleared and next day I was locked out my new account when I contacted them they told me very rudly that no explanation will be given and my funds will not be returned to me and hung up on me and ive done nouthing wrong I want to emphasize that I have complied with all requests made by your bank, including verifying my identity promptly and fully cooperating with your procedures. I have not breached any rules or laws in any way. Therefore, the unilateral decision by Charles Schwab Bank to close my account without providing a valid explanation or allowing me access to my funds is completely unjust and unacceptable.
Consumer complaint received 2022-04-28
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. (KS)

I submitted a dispute with equifax regarding a hard inquiry I made on XX/XX/2022. I stated the inquiry was not mine and was fraudulent. Within 6 hours they responded to tell me that the result of their dispute investigation was to tell me what we already know. That inquiries stay on credit reports for two years. This was not investigating. They clearly didnt even contact the company. Its common knowledge for inquires start in reports for two years. But when you disputing your never made or authorized the inquiry, the inquiry should be investigated, not just explain the normal rules. No due diligence was taken by equifax to ask the company why they pulled my credit without authorization. I contacted the company and they couldnt even tell me why it was pulled and had no record of the inquiry. If equifax would do their job and the same phone call they would realized that the inquiry can not even be substantiated by the company and it should be removed. They didnt even do any work with the dispute.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

A $ XXXX payment to XXXX XXXX was performed without my knowledge or consent from my Comerica Bank checking account. I do not have an account with XXXX. I filed the appropriate fraud claim with my bank on XX/XX/2021. On XX/XX/XXXX, another fraudulent $ XXXX transaction to was performed, but this time from my saving account. I filed another fraud claim with my bank the same day. I should note that no one, but Comerica Bank knows my savings account number. I have never given out this information as I've never had any reason to. 

I believe both XXXX Financial and Comerica Bank need to do more to prevent such large fraudulent transactions from occurring. I hope that by reporting this I'm able to prevent others from sharing in my unfortunate experience.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery (FL)

After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.