davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (WA)

In accordance with the fair reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all inquiries. 

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
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 and XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Credit reporting agencies are required by law to report true and accurate information on a consumer credit file. Every measure must be taken to avoid inaccuracies, false and misleading information. I have submitted proper documents involving some accounts reported fraudulently on my file. The Fair Credit Reporting Act gives me the right to request information be blocked. Every measure should be taken to prevent reinsertion of accounts once they have been removed. I have been treated like the suspect who is using my identity instead of the victim who is suffering. Experian has been acting nonchalant in reference to my issue. I have requested sign documents with my signature from Experian and Creditors involve. I have receive nothing to support the continuation of the following accounts remaining on my credit file. I have a right to know what information Experian have receive in reference to the following accounts. I should not have to suffer because someone else has open accounts in my name.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Credit Corporation (AR)

AVANTCREDIT SOLD THIS DEBT XXXX XXXX   AND ONCE AGAIN REAPPEARS ON MY CREDIT REPORTS. ESPECIALLY, XXXX AND XXXX. SEE ATTACHED
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The whole process was a disaster. I'll keep it to the important details for brevity. 

I refinanced my FHA mortgage to a conventional mortgage with Citizens Bank. Their sales pitch was that it would save me {$200.00} a month. This was an escrowed mortgage. When I got my school taxes in the mail, I called to make sure they were paid. They were not. They were on file, but for some reason never paid. Also, when they sent me an escrow refund or whatever, they overpaid me back with no explanation. I called them and they said they didn't know what it is, but I should go ahead and cash it. Now my school taxes are late and they have a penalty. I am now short in my escrow account by over a XXXX dollars. I'll have to overfund it to make sure I have enough for real estate taxes. Their only answer to me ( after waiting on the phone for an hour in a half ) is that they also XXXX  up because they didn't collect enough money at closing. However, this was a no money down at closing loan! They rolled in the costs to the loan. Now I am concerned that my {$200.00} savings as promised is not {$200.00} and my mortgage balance has gone up by thousands! This was a bait and switch and had multiple mistakes.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

I filed a claim for a fraudulent check that was written for {$1900.00} out of our savings account on XX/XX/19. I called once a week for four weeks without resolve. They gave me time frames of 7-10 days, then 15, then 21. Its now been over 4 weeks and all they will tell me is that they are investigating. I was told that they would call me at XXXX XXXX today. It is now XXXX XXXX  and still no call.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I gave information to the company to process a dispute. The information to verify my identity was read off a credit card billing statement. The system did not verify the information correctly and my dispute has been placed on hold. They want me to send a copy of my social security card which I will not do. This is a problem created by an Equifax representative who incorrectly input a number or card company name AFTER I READ THE NAME OF THE CREDITOR AND THE PAYMENT AMOUNT OFF OF THE PAPER STATEMENT. 

Correct this.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

The fraud model for my card consistently prevents me from using the card for everyday purchases such as gas or groceries. I receive 1-2 calls per week regarding " potentially fraudulent activity '' on my account.
Consumer complaint received 2024-02-18
Product: Credit reporting 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. (WI)

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2021-09-20
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. (PA)

My name is XXXX XXXX. I am completing this complaint on my own with no assistance from another party. I have sent in letters regarding inaccurate and unknown 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 taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft and around XX/XX/2019 my XXXX XXXX auto loan was reporting the wrong amount owed to Equifax as well XXXX therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX and Equifax has deleted my account completely affecting my credit score and report. I have contacted XXXX XXXX in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from XXXX XXXX told me that my account should be reporting to all 3 major Equifax, XXXX  and XXXX correctly after XX/XX/2019. I know that XXXX and Equifax has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-11-30
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: JPMORGAN CHASE & CO. (CA)

Someone stole my credit card and made fraudulent atm withdrawls. Because my pin was used and it was the same as my billing address Chase denied the claim.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a XXXX XXXX for XXXX. On Tuesday, XX/XX/XXXX, I accepted a XXXX   from XXXX XXXX At XXXX XXXX XXXX at XXXX. I came to learn after the fact that this person created a fraudulent account through XXXX  To have access to my personal information. He then called pretending to be XXXX, a manger with ID number XXXX. He said that my account was suspended and that I could not XXXX  another XXXX  until it was resolved. He even told me he had reached out to XXXX XXXX And told him that I would be delayed, and I received a message from XXXX XXXX Saying as much. XXXX asked me for personal information to verify my account, including my bank username. I said that I was not comfortable giving that information, but it was through verified and secure text messages so he could not see my information. 

While on the phone, he hacked into my Bank of America account and transferred {$2000.00} to a man named XXXX and {$600.00} to a man named XXXX using the app XXXX ( which I have never used in my lifetime ). I do not know either of these people, nor do I know the man on the phone. I immediately reported the fraud to Bank of America, and opened up new accounts with the bank. The claim number is XXXX. This claim was denied because the bank claimed that since I provided a username that I authorized the transactions, but I do no such thing. 

I came to learn that this is a known fraud scheme with XXXX. The XXXX XXXX Account was fake, and he made the account to have access to my personal information as his XXXX  XXXX. The representative was also a fraud, and in fact they were the same person. I do not know this person, and I do not know the people who he transferred money to. 

My XXXX police report ID is XXXX. I have also worked with Detective XXXX XXXX, who can be reached at phone number XXXX I am also including a copy of my complaint to the Federal Trade Commission ( FTC ). My FTC report number is XXXX. 

I would also like for it to be known that XXXX Is aware of the fraudulent activity, and has confirmed that this person used a fraudulent profile on XXXX To hack my bank account. This person inappropriately used the XXXX App that I work for to access my personal information. The Fraud Department at XXXX Is very willing to assist with this investigation to have my funds securely returned to me. The XXXX  Fraud team can be reached at XXXX.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC (FL)

jhpde is a debt buyer who purchased my XXXX account. The account was listed in a ChXXXX in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a 109 point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XX/XX/19 NOW THERE SAYING WE DEFAULTED ON YOUR CLOSING STATUS!!!!!! I NEVER ASKED TO GET RID OF MY HOUSE IM TRYING TO SAVE MY HOUSE I JUST SENT IN A NEW RMS FOR THEM TO HONOR THE OLD MODIFICATION FROM XXXX THEY SAID IT WAS CANCELED DUE TO THE NOTARYS SIGNATURE
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AZ)

After putting a freeze on my credit through Experian about two or three weeks ago, I have received several emails from Experian saying a 'change to your credit file detected ' and 'the credit balance one one of your accounts decreased ' and 'please open immediately to review a change we've detected in your credit '. In each of these emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX - I did not find these until XX/XX/XXXX because they somehow went into the JUNK file which I do not go into often. ) One report said thanks for checking your report, it raised your fico score. All emails said 'See all reports ' and had a button to do so, but it put me on a blank web page. 

I have tried to contact them by phone but they will not talk anyone. 

How and where did they get permission to gather every ones information and then have the gall to not let you talk to them? I certainly did not give them permission. I saw a lot of other people on the internet asking how to talk to them.
Consumer complaint received 2021-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXXXXXX XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX XXXXUnauthorized inquiry by Identity Theft 5. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX  -Unauthorized inquiry by Identity Theft
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon B. Sage, P.A. dba Sage Law Offices (FL)

On XX/XX/XXXX I received a letter from sage law offices, stating I owe to XXXX XXXX XXXX XXXX for a bill that was covered by my insurance, on XX/XX/XXXX I mailed a letter requesting the statement that i never received they mail me an invoice with a XXXX balance but they still requesting the {$100.00} without an explanation of that amount. I need help I cant afford to pay for something that I dont owe.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (FL)

Choice Rec Is reporting 4 collection accounts that are a result of Idenity theft. One in the amount of XXXX. Two in the amount of XXXX and one more in the amount of XXXX. I notified XXXX  and added a fraud alert to my profile. XXXX  opened a dispute and they claim that the accounts were verified. per the FCRA once the credit agency receive notification that the account is related to Idenity theft they have 4 days to remove it from my credit report. I gave notification to XXXX  on XX/XX/XXXX and all they did was open a dispute. I would like these accounts removed from my report immediately please. This is stopping me from receiving Financial assistance Needed due to Covid 19
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent numerous requests to Experian, XXXX, and XXXX  regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : Experian - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I Hack on my phone stolen and on my phone what is my virtual card they the person that went into my phone took everything from my bank account my checking account I noticed that my sons was getting low so I called Wells Fargo bank and talk them them about the fraud they then put a claimOn the fraud and they said I had 10 business days to see if I get my money back well 10 business days went past and Ally got half of my not even half of my money back and they said the rest of the debit card charges well I didnt have my card with me and my phone had my debit card numbers and all that on there so they denied me I called the bank and they told me that that it was final trip there was nothing I could do about it so Im reaching out to the consumer finance Because I do not know what to do please help