davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have looked over my credit report with Equifax and it is a incorrect address that is listed and is not my address and I have never lived there the address is XXXX XXXX XXXX XXXX XXXX XXXX it needs to be removed from my credit report it is causing me great stress. I have sent a letter to the credit bureaus asking for removal I have sent proof of identity and proof of address the address that should be on my credit file is. XXXX XXXX XXXX XXXX XXXX  XXXX, everything else needs to be removed I have also contacted Equifax by phone and they are not helping they are violating my rights
Consumer complaint received 2024-02-20
Product: Credit reporting 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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I wrote Trans Union XXXX and XXXX regarding some accounts on my report that looked suspicious asking them to verify the accounts and they have yet to do so. Subsequently i filed a FTC report and a police report which Ive attached. As you know 15 USC 1681 c-2 states, ( a ) Block a consumer reporting agency shall block the reporting of 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 by such agency As i stated Ive attached all the necessary documents for these accounts and the FTC report has a list of said accounts.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (HI)

In late XX/XX/2021, There were two fraudulent wire transfers on my Chase checking account. Within two days I contacted Chase to inform them of the fraud and request the matter be investigated and monies returned to my account. In addition, I asked the Chase rep to disable wire transfers on the account to prevent a recurrence. I was assured it would be done. In early XXXX, additional fraudulent wire transfers were made as Chase had NOT disabled that ability. After over 100 hours on the phone with different Chase reps and departments ( nobody can just deal with the problem themselves... it always required multiple departments and phone calls ), I was told that my account was disabled from online access pending investigation. Chase was unable to close the account and reopen it under a different account number... something that should have been simple. I was told I needed to go into a Chase branch to close the account as they were unable to close the account over the phone. This in spite of the information provided that I live XXXX miles away from the nearest branch! Arrangements were then made to link an external bank account to the Chase account, Make an ACH transfer, and bring the account balance to XXXX. That supposedly would allow me to close the empty account over the phone. After going through all the steps Chase suggested, Chase froze my account for suspicious activity, cancelled the transfer, and deleted the external account link from my Chase account!! I am now being told to mail a check for deposit to my external account as this is the only way to do it if I can not get to a branch. This is after continuously verifying my identity with Chase reps over the two months this drug on. This is unacceptable banking practices
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Immediate Credit Recovery (CA)

I received debt collection from a company called " Immediate Credit Recovery ''. Noting that I owed {$420.00} from XXXX XXXXXXXX. The account # they created is XXXX. They also claimed that if I was not able to pay within a month, my credit  score will be damaged. I have not involved in any financial activity with XXXX XXXX and I am not aware of any direct bill. 

Actions I have taken : - Called XXXX XXXX. I was not able to confirm any bill for me from XXXX XXXX - Called the Company, I was not able to get connected to any agent - Emailed the company, there was a mail system failure meaning the email didn't go through. 
- Searched online, there were comments that this company may really exist
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (VA)

The company called me claiming to be some type of arbitration and mitigation company. They said I had a debt from Citibank from a card I opened in XXXX. They stated that I paid on the card for three years before I defaulted. When I tried to explain to them that there was some type of mistake because : 1. I never had a Citibank Card 2. I have never heard of this debt before now.

3. In XXXX my credit was so bad there was no way citibank would give me a card. 

The lady got mad and hung up on me. I called back the next day ( XX/XX/XXXX ) and the rep would not give me the spelling of the company name so I could write it down. I tried to get the address of the company and she refused to give me the address. After once again threating me with legal action the representative got angry and ended the call again. Unfortunately all I have is a phone number that I was able to call back on XXXX. This company needs to be looked into. The rep had all my information, my current address, my social security number, my drivers license number and my previous address. I didn't not verify or provide any of this she already knew it. 

A few thing that didn't add up 1. She called it Citibank but didn't seem to know who Citigroup was. 
2.I recently purchased a home so my credit report has been reviewed many times and this was not on there.

3. She had my place of employment when I opened the card as XXXX. XXXX which is a failed LLC that I started years after she said I opened the account. That could not have been my place of employment because it didn't exist at the time.
Consumer complaint received 2023-11-29
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 didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXXXXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-09-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

I have late payments reported on my student loan account that shouldnt be there because i had forbearance during all of the late payments that are being reported, i would really like to have this fixed before Fedloan shuts down and switches to the new servicer. They also never offered me to do the rehabilitation they always requested me get a forbearance me not knowing my loan was increasing tremendously during the time of all the forbearances.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc. (TX)

They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

On Thursday, XX/XX/2021 I tried to access my credit report via XXXX but received an error message that stated " Based on the information provided, we are unable to verify your identity ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.
Consumer complaint received 2017-09-13
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)

I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.
Consumer complaint received 2021-07-01
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. (NY)

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX XXXXXXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Consumer complaint received 2019-03-06
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. (NY)

I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with experian credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. 

I have disputed this issue with experian 3 times and every single time it comes back with no resolution. 


I paid everything in full and want this off my credit report as soon as possible.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (CA)

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX- XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Consumer complaint received 2015-07-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

We took out a XXXX mortgage with Green Tree for our childrens school and medical bills. ( I 'm on the XXXX at the University XXXX ) I have written, called, Green Tree so many times and have gotten no response. All I wanted them to do is lower my interest rate of 9.65 to even 5 would help. I have never been late on a payment but its getting harder and harder to make those payments especially when principal is only XXXX from a payment of XXXX. Any help would be appreciated. I have told them when the transplant happens we may not be able to afford this with the medications being so high. I have NEVER heard back from them ... XXXX and XXXX XXXX
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the three credit bureaus ( XXXX, Transunion, XXXX ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (FL)

My wife and I applied for a mortgage of {$540000.00} with third federal savings and loan located in plantation, fl. We were denied a loan they said due to lack of income and a short sale on my wifes record from 2010. 
XXXX. Our combined income is {$160000.00}. Our liquid assets which include bank accounts, retirement accounts, and stocks total around {$150000.00}. 
XXXX. Prior to our marriage, my wife had a short sale that closed in 2010, and that is currently not on any of her credit reports. We asked the underwriter where they got the information from, and they didnt respond. 
We believe that we were discriminated against by third federal, because we have more than enough income, our debt to income ratio is great, and the short sale was over 11 years ago. 
Please investigate, and fix this situation.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MA)

For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists.
Consumer complaint received 2018-06-06
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. (FL)

In reviewing my monthly credit report, I note an amount of {$95.00} shown as seriously delinquent and reported to both the credit reporting bureaus and referred for collection by XXXX to XXXX XXXX a debt collection company. This has resulted in a significant negative impact on my credit score.

I have two legitimate accounts with XXXX. The first is for my principal residence which shows that the account is fully current with the next payment due on XX/XX/XXXX. That account is on auto pay with my credit card. 
I have a second account for my weekend residence which is paid for by the XXXX XXXX through a Master Contract between XXXX XXXX XXXX and XXXX XXXX and XXXX. That is included in my monthly maintenance which is also current and has a credit balance. 
The account which has been reported as delinquent and referred to collection is NOT properly my account and I do not owe any amount on that account. The error is entirely with XXXX for creating an account in my name which is NOT authorized. 
I contacted XXXX to resolve the situation. However, the XXXX Representative required an account number to proceed with assisting me. I do NOT HAVE an account number. I do not have any bill or other indicia of an account or balance due. I am unable to provide an account number for a phantom and non-existent account that I did not create, incur or authorize. 
Accordingly, I have no alternative to resolve this matter except by filing a complaint under the FCRA and FDCPA. 
I am filing this complaint against both XXXX XXXX for fraudulently attempting to collect a debt not due and XXXX for providing false credit information and referring a non-existent debt for collection. 
Both entities have created significant harm to my credit status. 
I require immediate correction of the matter with appropriate notification to all Credit Reporting Bureaus that the statement of delinquency is totally erroneous and due to an error by XXXX. In the event that I am unable to resolve this matter through the CFPB complaint process I will proceed with further remedial action against both entities for damages as provided under both the FCRA and FDCPA.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries XXXX 


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 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

During the summer of 2020 I was experiencing a temporary shortfall of cash due to Covid-19 related shutdowns. I took out the following cash advances on my Chase credit card at a Chase branch bank : XX/XX/XXXX - {$500.00}, XX/XX/XXXX - {$1500.00}, XX/XX/XXXX - {$1500.00}. I was told at the time by the branch teller that if I paid it off right away that I would avoid the interest. I paid {$2000.00} of on XX/XX/XXXX and an additional {$1500.00} on XX/XX/XXXX. They did not apply any of that money to the high interest cash advance. I tried to resolve it through Chase Credit Card Customer Service twice. The last time I spoke to supervisor XXXX XXXX and was informed that I paid it too early - it had not registered in the system yet despite the fact that I was given contrary information from the teller. She informed me there was nothing she could do. I have paid approximately {$600.00} in cash advance fees - because I tried to do the responsible thing, in the height of COVID-19 economic crisis. 

I have attached a record of the advances, the interest paid on the advances and the payments I made to pay them off. 

Thank You.