davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
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: BBVA FINANCIAL CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-05-02
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)

One of my credit card issuers was recently bought by another institution ( XXXX XXXX  ) which sent me a notice that they were changing the terms of my account due to an adverse credit report from Equifax. Some of the issues cited in this notice are obviously incorrect. The notice informed me that I could address this report at Equifax.com/FCRA, a web site that never responds. I called the Equifax phone number listed in the notice, XXXX, and after a one-hour wait time was connected to a person who demanded that I identify myself by telling the " usual '' balance of some credit account that no longer exists. When I asked him to clarify the question he hung up. When I tried to register a new account at myequifax.com I was asked five questions, none of which had anything to do with me. It refused to recognize me but allowed me to ask for a PIN number to be sent to my mailing address. This was sent and the indicated web site, https : //my.equifax.com/pin, accepted it but the account I had tried to establish again refused to acknowledge me.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX needs to be removed
Consumer complaint received 2022-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act. This XXXX, Capital One has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (NY)

Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.
Consumer complaint received 2017-08-05
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: Caliber Home Loans, Inc. (MA)

I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2017, Equifax disclosed my personal information as part of a data breach. 

According to Equifax most of the consumer information breached includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed.
Consumer complaint received 2020-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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. (AL)

I was looking for a lone and went to the XXXX XXXX XXXX site which is located in XXXX Alabama. I started filling the application but never finished it and never submitted a completed nor uncompleted application. I closed the browser out and never went back to the site. A day later I receive a alert that my credit had been ran and I had a new Hard inquiry on my credit. I never authorized anyone to do this at this XXXX XXXX I did speak to a gentleman that stated he was working from home and that he would get this fixed right away. Its been over 2 weeks and it still showing on my credit. I would like help getting this resolved.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

bank of America is still reporting a charge off credit card on my credit report even after they issued a XXXX in XX/XX/2018. I have paid taxes on it but its still showing up on my report.
Consumer complaint received 2024-02-23
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. (FL)

TransUnion for clarification is TransUnion indicating that XXXX XXXX XXXXVERIFIED AS REPORTED as an inaccuracy or an accuracy? Despite the proof of inaccuracy information that I provided from TransUnion ; also is TransUnion claiming that they are in compliance with 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2022-10-07
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Our loan was with Ditch, and Ditech went bankrupt. The loan was acquired by Shellpoint Mortgage Servicing. Shellpoint continues to make errors in our account. 
Money is paid into our escrow account each month. Out of those funds, Shellpoint pays the bill for our home insurance and flood insurance. Then, Shellpoint sends us letters saying that we don't have such insurance, and the company is going to purchase a policy and add that amount to our loan, thereby increasing the amount we must pay each month. Also, the taxes on our property have been officially deferred in XXXX XXXX, TX. Shellpoint acknowledged that they received documentation to verify this deferral. In spite of this, Shellpoint sent a payment of {$14000.00} to the XXXX XXXX XXXX XXXX. Now, Shellpoint sent an escrow analysis saying we are short that amount in escrow, and they are going to increase our monthly mortgage payment by more than {$2000.00} per month. We continually have to spend time calling Shellpoint, sending faxes to the company, having our insurance agent re-send verification of our policies, etc., in order to have Shellplont correct its many errors. This has become harassment. It has negatively affected our lives ... financially and emotionally.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (OH)

Refinancing due to divorce. New title company has asked for payoff information 3 times by email and 1x by fax. I personally called Wednesday XX/XX/XXXX and requested payoff on both 1st and 2nd mortgage. Friday XX/XX/XXXX the title company received two payoff letters on the 2nd mortgage. Saturday an overnight letter was sent to XXXX Michigan and was received by XXXX XXXX at TCF Bank. As of Tuesday XX/XX/XXXX neither myself or the title company have received any payoff information on the 1st mortgage.
Consumer complaint received 2017-08-05
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. (OK)

On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (   XXXX   ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given  XXXX  the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by   XXXX   or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Consumer complaint received 2020-05-15
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. (MO)

I had never been late on my credit report ever. XXXX, XXXX, and Transunion is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also XXXX, XXXX, and Transunion is reporting 2 closed accounts that listed as XXXX XXXX  XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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  XX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (SC)

Last Sunday I checked my account and saw that I had been overdrafted by {$230.00} this was the amount chase removed from my account due to government overdraft assistance. I dont make a lot of money but I am also a credit card manager at a big bank so I know enough. I was given no forewarning as I calculate my bills and pay according to what I have on my account I had gotten paid on Friday, set up my bills to be paid on Friday and on Sunday I had this surprise withdrawal hit my account. I called chase they said they cant do anything about it. I dont get paid till next Friday they refused to freeze additional overdraft fees. Ive been a 15 year customer with Chase and the e going to treat me this way when I told them I strigggled with the pandemic caring for my elderly parents? This is CRIMINAL. How can we trust our big banking institutions when they rob us and treat us this way. If I knew I was going to be charged over 25 % of my paycheck I would not have paid my bills as aggressively as I did. Please help me get justice and restore faith that a government body can in fact protect its citizen against predatory practices. Thank you so much for your assistance. XXXX bless!
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.
Consumer complaint received 2021-04-26
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: LEXISNEXIS (WI)

I've contacted LexisNexis daily since my dispute was filed as we're waiting on my credit report to be updated so we can get a home loan. I made sure my public record was updated ( the satisfaction of judgement paperwork was not initially submitted to the court ) and sent a copy to LexisNexis along with the satisfaction of judgement paperwork and copy of the check I sent. We're now at day 34 and the " investigation team '' has not once replied to a request from the contact center. I'm beyond frustrated as their investigation should've taken less than 5 minutes yet they haven't even bothered to provide one update.
Consumer complaint received 2024-02-23
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. (CA)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.