davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I hope this letter reaches you with a sense of urgency. I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to have them removed. 

I first identified unauthorized and fraudulent entries on my credit report on [ date ]. In light of this discovery, I immediately initiated the dispute resolution process through your organization. Regrettably, after numerous attempts, I find myself compelled to bring to your attention that the fraudulent items persist, causing considerable distress and concern. 

I have diligently followed the prescribed procedures for disputing inaccuracies on my credit report, providing all necessary supporting documentation and information. However, despite my repeated efforts, the resolution of this matter remains elusive.

The presence of these fraudulent items on my credit file not only tarnishes my financial reputation but also poses potential long-term consequences for my creditworthiness. I am deeply troubled by the impact this situation may have on my ability to secure loans or credit in the future. 

I urge you to conduct an immediate and thorough investigation into the reasons for the repeated failure to remove these fraudulent entries from my credit report. I seek your assurance that the necessary corrective actions will be taken promptly to rectify this situation. 

Timely resolution of this matter is crucial to restoring my confidence in your credit reporting services. I insist on transparent communication regarding the steps being taken to address this issue and prevent any recurrence in the future.

If these concerns are not addressed promptly and effectively, I may be compelled to escalate this matter to regulatory authorities. I trust that your organization values its reputation and is committed to providing accurate and reliable credit reporting services. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX  {$460.00}.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2020-04-30
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. (CA)

I applied for an auto loan with XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified, I was told that I did not get approved because there were accounts and inquiries reflecting badly on my credit history. I looked through my credit report and I found four accounts and several inquiries that are not mine. The accounts are from Dept of Ed/XXXX, XXXX XXXX XXXX & US Department of Education ; the inquiries are from many different companies that I have no relationship with. None of these accounts/inquiries belong to me and I have never allowed anyone to open any account on my behalf. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever contribute to any payments made towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this incorrect information on my credit report.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX : XXXX : Transunion : XXXX
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (KY)

I opened a platinum credit card account with American Express beginning XX/XX/XXXX. During the application process I apply for the Military Lending Act ( MLA ) in which I am continuously getting denied. I have been in XXXX XXXX XXXX  since XX/XX/XXXX with a current expiration term of service of XX/XX/XXXX. I have contacted all the government agencies in regards of this matter and in every system they look I am on XXXX XXXX. Since I opened the account with American Express I have file many disputes to solve this issue without any luck on resolving the matter. I have attached all the military orders showing proof of my status as well as statements from the credit card company.
Consumer complaint received 2020-07-16
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. (CA)

on XX/XX/2020 I received an email from XXXX XXXX  and XXXX   about a new hard inquiry into my credit. I NEVER AUTHORIZED THIS HARD PULL! 

I am in the process of buying a home and had all my credits from many lenders being pulled from XXXX XXXX XX/XX/XXXX. Which is within a 2-week time frame and so counts as one credit pull. I DID NOT AUTHORIZE ANY LENDER TO PULL MY CREDIT BEYOND THIS DATE OF XX/XX/XXXX. 

ON XX/XX/2020 I got an email saying that there was a new credit pull. I want to dispute this. This is unacceptable and I did not authorize this. I want this removed. Below is the following information about the Hard pull : Alert Type : Inquiry - New Inquiry Found On : XX/XX/2020 A new credit inquiry has appeared on your credit report. Please review the details of the alert for information that may indicate  identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceEXPERIAN Alert DateXXXX Inquiry DateXXXX Name XXXX Phone ( XXXX ) XXXX Business Type FR Street AddressXXXX XXXX  XXXX XXXX XXXX State CA XXXX
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

Attempted to transfer emergency funds to my child via XXXX and I was told PNC no longer allows these transfers. It's my money and I'll be leaving PNC. I've had enough of their nonsense.
Consumer complaint received 2021-10-05
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

I called reported only got through too 1 institution.Other institutions was not answering or even giving the options to talk to some one that can help me.But the one I did talk too I explained who I was and they said they had no record of me of my info but it clearly stated there info on My XXXX XXXX. I was locked out of XXXX XXXX for about 1year and my wallet was either stolen or I lost it about a year in a half ago I Informed the agencies or in other words institutions that I had been a victim of fraud and/had been a victim of fraud after finally, Regaining Access too My XXXX XXXX My Credit score had dropped I had all these hard inquiries and fradulent open accounts and I hadn't use/applied for any thing with in the last 2 years besides my apartment that I live in and unfortunately I can't apply for anything right now and I have a XXXX XXXX XXXX XXXX and all these hard inquiries are on my report card on XXXX XXXX is fraud.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Pick up truck was totaled in XXXX  of 2019. Insurance paid vehicle in XXXX  2019XXXX XXXX   has not updated credit bureau.as of XXXX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, Equifax says account is closed. Also XXXX XXXX  has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am unable to open bank accounts i am unable to get approved from credit cards i am unbale to apply for my new apartment i need help removing inquries on myu cedit report
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today, XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois to set up a savings account. The account is for donations for my father who passed away yesterday. I was asked to sign the electronic box so they could open the account. I was not told it would check my credit, I was not asked for my social security number, I was not read or given any paperwork stating it would run my credit. After leaving I noticed I had emails stating I had a hard inquiry from them. I called and the first woman I spoke with stated it states we check your credit on the green paper you filled out which I was never given. The bank later called me back stating there is nothing they can do to remove the inquiry and they were sorry. I did not give consent to run my credit, I was given no paperwork what so ever, I want this removed from my credit ASAP!
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I received a letter dated XX/XX/20 informing me that as my Citi Double Cash Mastercard had XXXX balance, was in good standing, and had not been used for 2 years, it was automatically closed. 
This negatively affects my credit balance. 
I was given no warning. I called the company to request a reversal and they refused. 
My account was in good standing the entire time.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My wife requested an secured loan at XXXX XXXX XXXX, I was placed as co-applicant. My wife was having problems making the payment since we had some financial difficulties therefore, she requested to have the loan modified to request a payment extension. She was granted the extension but they continued to mark the loan as 30 day late on our credit report. I have made multiple attempts through experian to remove the negative information but it always return as " update '' and no changes.
Consumer complaint received 2021-03-01
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. (SC)

I'm writing this due to non-compliance with the credit reporting agency TransUnion. They have failed to delete the unverified accounts listed on my account that I have disputed several times with certified letters in the past. I strongly believe that they are in violation of the FCRA laws and by refusing my requests and they continue to violate the laws. I sent them certified letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have requested that XXXX show me how they verified that the accounts on file belong to me and they have not provided me with any documents with my signature.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

In XXXX I purchased a Honda Dirt Bike from XXXX XXXX Honda XXXX in XXXX XXXX, FL. I financed the bike through American Honda Finance. At that point, I did not receive mail at my home address or even have a mailbox there. All mail went to my office. The dealership must have incorrectly submitted the home address on my drivers license, as I specifically told them my office mailing address. 

This was not brought to my attention until I received a phone call from American Honda Finance indicating that my FIRST payment was late. I told the representative that I never received the statement, immediately updated the address ( they had the wrong address on file ), and promptly made payment. I never made a late payment.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Xapo, Inc. (CA)

purchased bitcoin using this merchant XAPO, received email after a week hold that bitcoin is available in the account. Afterwards tried to login to access funds and my account is blocked. XAPO verified my balance is in the wallet but wants me to send bitcoin so they can adjust the account and take all my bitcoin. Also lied and gave me misleading information that I owe them money and won't provide requested information.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (CT)

My partner is on furlough from his job so we have a financial hardship to household income. We have an FHA loan so I logged into the Homebridge ( our mortgage servicer ) website understanding that we could apply for a forbearance or a deferment of payments ( the latter being the preference ). The website says only forbearance is available and any skipped payments must be repaid in one lump sum at the end of the forbearance period. They even provided this example ( copied straight from their page ) : Example One : 1. XXXX  's monthly mortgage payment is {$1500.00} and is due on XXXX XXXX. He chooses a 90-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time, his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX  will owe a total of {$6000.00} on XXXX XXXX. That is, he will owe {$4500.00} for the XXXX   through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total = {$6000.00} ).

Example Two : 2. XXXX  's monthly mortgage payment is {$1500.00} and is due XXXX XXXX. He chooses a 180-day forbearance in XXXX. As a result, the forbearance period will run from XXXX  through XXXX. During this time his monthly mortgage payments are suspended. At the end of the forbearance period, XXXX   will owe a total of {$10000.00} on XXXX XXXX. That is, he will owe {$9000.00} for the XXXX through XXXX  payments, plus his XXXX  payment of {$1500.00} ( total= {$10000.00} ).

We can't repay a large lump sum like that so I guess we're left on our own to figure out other options. I was under the impression the CARES act was supposed to benefit the consumer by allowing deferments but clearly not ; I don't understand how anyone who suffers a job loss can be expected to come up with a {$21000.00} lump sum payment in six months ( our payment is $ XXXX/mo x 6 months = {$18000.00} + the next payment of {$3000.00} ).
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 
I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. I am asking for your assistance to remove these fraud items in my credit file : XXXX KINGS XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX, I purchased a round-trip airline ticket for {$840.00} from ticket agent XXXX, using my Barclaycard Mastercard credit card. The flights were scheduled by XXXX XXXX. 

In XX/XX/XXXX, I was notified by voicemail and email by XXXX XXXX that the flights were cancelled due to Covid-19. XXXX XXXX ' email stated that I qualified for a refund, but when I contacted them, they referred me to XXXX, which refused to issue a refund. 

I contacted Barclaycard by phone in XXXX, and they sent me a letter dated XX/XX/2020, stating that I had been issued a provisional credit for {$840.00} to my credit card account. On XX/XX/2020, they sent a letter stating that the credit was reversed and the charge was reinstated. They did not explain their reasoning in reversing the credit. 

I sent Barclaycard a letter on XX/XX/2020, disputing the charge because I had not received the goods and services from XXXX  that I had been charged for. Being charged for the ticket although it had been cancelled was a violation of the Fair Credit Billing Act. I noted that the Third Circuit Court of Appeals had ruled that consumers can challenge a credit card charge within 60 days of the reinstatement of the charge. 

On XX/XX/2020, Barclaycard sent me a letter stating that I was not entitled to have the airline ticket charge reversed. 

I believe Barclaycard is in violation of the Fair Credit Billing Act.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

In XX/XX/2019 I applied for a mortgage modification due to storm damage and negative equity ( the mortgage is {$170000.00} and the accessed value is {$74000.00} ). 
I have been unable to rent the property to cover the mortgage amount due to the falling values of property in my area. 
I requested an exception for a forth modification but it was denied. 
A principle reduction and modification would enable me to keep the home I have had for 25 years.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX