davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
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. (NJ)

Due to XXXX 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with XXXX which I have tried ( XXXX XXXX, 2017 ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically XXXX, but rather a call center company, and can not answer any real questions about their services and what signing up for XXXX XXXX does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news XXXX might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because XXXX has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact Experian but their lines are also shut down.
Consumer complaint received 2017-11-12
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. (SC)

I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Seven ( 7 ) letters attached explain the issue in detail. You are welcome to contact me by phone, mail or email for further information or clarification. 

For over a year, XXXX XXXX has been making unauthorized charges to my Capital One credit card. 

I have repeatedly asked XXXX to stop and I repeatedly have asked Capital One to not allow charges from XXXX. Both companies continue to act unilaterally and they ignore my requests. 

Capital One will not credit my account for these unauthorized charges. 

Capital One has damaged my credit rating due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2017-09-14
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. (NJ)

Due to Equifax 's Security Breach, I have been checking my credit and trying to freeze my accounts. I have contacted the FTC and my bank ( XXXX XXXX ) who directed me to speak with Equifax which I have tried ( XXXX XXXX, XXXX ). The company has shut down/disabled it 's customer service line and its phone-based credit freeze ( XXXX and other numbers ). The redirected " incident '' call center ( XXXX ) is not technically Equifax, but rather a call center company, and can not answer any real questions about their services and what signing up for TrustedID Premier does. For instance, I have read that it waives my right to class action suit if I sign up. I have also read it auto-enrolls you in their service after a year meaning I have to pay for their mistakes! Absolutely absurd! 

There is recent news Equifax might give you a randomly generated answer for whether an individual was affected by the data breach. Because the FTC will not allow me to file for ID Theft unless I can confirm I was a victim or my ID has been misused, and because Equifax has indicated that they " BELIEVE I MAY have been affected '' by the data breach. ( how ambiguous is that statement from them by the way? ridiculous right?! ) If this is a randomly generated response, this is a clear violation of my right to know if my personal data and credit reports were leaked without my consent by this company. Its pernicious and misleading. 

I have also attempted to contact XXXX but their lines are also shut down.
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (FL)

I have some collection removed from my file in XXXX 2017, then after awhile I look at Equifax and XXXX XXXX and they were back on my file.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

On XXXX XXXX I called Freedom Mortgage to find out how to get PMI removed from my loan and was advised ( and verified XXXX to pay XXXX and the monthly charges would be removed. Additionally there was a request to pay bi-monthly ( which would only be allowed once an additional monthly payment was paid - i.e. if monthly payment due is XXXX to pay an advance of XXXX and can then initiate bi-monthly debits ). 

After my payment for XXXX cleared and my PMI was not dropped, nor was the bi-monthly option available as per their website, I called Freedom Mortgage to find out why. Over the course of 3 phone calls, including one with a Supervisor by the name of XXXX, I was given 3 different reasons why PMI was not dropped. One of the more humorous ones was I needed to pay {$130000.00} in order to drop PMI. That 's the loan amount.
Consumer complaint received 2022-09-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

As per my request for full VALIDATION OF THE DEBIT submitted through Experian ( ref no. XXXX ) the XXXX XXXX XXXX XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am a natural person/not a third party company I contacted portfolio recovery associates LLC Regarding an alleged debt claimed that I owed. An consumer defined in the FDCPA is obligated or alleged obligation same meaning as the word debt. They failed to provide me 5 validation that constitutes that validates a debt pursuant to 15 usc 1692g the first time they contacted me. I requested 5 validation of the debt for them to provide to me
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX as on time. Continue to violate FCRA Guidelines .Department of Education Navinet continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XXXX XXXX 2014 someone placed a security freeze on my account without my knowledge. 
As you might imagine I had issues straightening this whole mess out and rebuilding my credit. XXXX says they picked up the report from Equifax, Equifax denies this and so forth. 

I asked Equifax for the police letter which must be on file to freeze credit. They have denied me a copy, then refuted their own position and told me it was not a freze but a fraud alert. 

Until I get to the bottom of this massive inconvenience I 'd like to keep all alerts as they were so I may discern if law enforcement ( XXXX ) wrote their own letter without my requesting it. 

At th same time XXXX XXXX ( then owned by XXXX ) Cancelled my service because they have the right to do so for no other reason but they can- XXXX XXXX XXXX of XXXX XXXX corporate office prepaid division. The number on my credit reports was the old number so when companies called to verify the freeze/fraud they got a wrong number. 

These series of events may be coordinated in order to create havoc in my life but to also discredit me in a case with XXXX.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CO)

Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.
Consumer complaint received 2017-09-14
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. (MA)

Hello, On X/XX/2017, Equifax announced publicly that many consumers credit reporting information was breached. I went to the equifax website to enter the last 6 digits of my social security number to find out if my information was part of the breach. The Equifax system confirmed that it was ( i have a screengrab of it ). Due to Equifax 's lax security, my information has been compromised. I called the company to follow up but kept getting rerouted to different extensions and to dial other XXXX # s that also belong to Equifax. I was unable to request the credit freeze as they advertised on the Equifax freeze website as I could not get to the 'proper ' person! 
Consumer information is to be protected, and through no fault of my own, Equifax systems were compromised. Due to their insecure systems now i have to put a freeze on my credit and monitor that no one misuses my information!
Consumer complaint received 2022-10-07
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. (FL)

XXXX XXXX has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Consumer complaint received 2024-02-01
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. (NY)

XX/XX/XXXX I looked at my credit report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate the account : XXXX XXXX XXXX XX/XX/XXXX they sent me their investigation letter and said these accounts are complete and accurate.

I looked at my credit report and noticed everything is still the same.

However, according to 15 USC 168i 5, They are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer According to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, according to 15 USC 1681s-2 this is suppose to happen ( 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer relating agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Experian really did not do the reinvestigation, they lied on the official document saying they did something they did not do and I have evidence to prove my case.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Recovery Services, Inc. (LA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 


Account Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA XXXX is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but XXXX refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business XXXX and transUnion did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
Consumer complaint received 2021-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

XX/XX/XXXX I received payoff statement. Document was signed and returned. The final payment was made by wire transfer. I was told once received it would take 48 hours to process. 
XX/XX/XXXX I called to verify document and payment were received. After being transferred form XXXX to XXXX and back to XXXX I was told the documents and payment have been received. I asked for confirmation in writing all docs/payment were received and the account will be closed. At this point i was told they could not supply this notice and it will take 30 days for a notice to be available.
Consumer complaint received 2021-05-23
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 45 days later, I have not received a response yet. It seems my disputes are being ignored and I feel like I'm being taken advantage of. 

It is plainly stated in Section 611 ( a ) that a failure to investigate these items within a 30 day time frame is reason enough to immediately remove said items from my credit report. Let me remind you, it has been more than 45 days since the time of my dispute - so these items should be deleted from my report promptly. 

I demand these accounts be deleted immediately as I am seeking litigation due to the financial stress this has caused. 

Note : it has also come to my attention that my information was impacted by the XXXX data breach some time ago AND the more recent XXXX breach.
Consumer complaint received 2020-11-24
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. (NC)

I wish to file this complaint not only with the CFPB about my issue with this dispute ; BUT also about how my issue has been handled. I have reached out to Transunion at least 15 times and they still have yet to understand the issue. I can tell you that my situation has not been taken seriously. I have been hung up on ; yelled at ; argued with and had my issue completely disregarded in a manner that has not just been condescending ; but just hurtful. I have explained to Transunion that this is my LIFE ; my situation. I clearly understand my rights ; however Transunion does not. I have uploaded documents into this portal ; overnighted them twice which cost money JUST to have Transunion tell me that " we have a retention process ''. Here is this situation again. 

I have a Chapter XXXX on my credit file. I have had it for 5 years ; it was dismissed shortly after filing because I noticed a ton of errors in the bankruptcy. I had it opened back up in court and FINALLY had the courts remove it from my file because it was wrong. I spoke with the furnisher ( XXXX ) and they have deleted it from my file with them ; as well as the court records. I have sent this information over to Transunion several times ; and uploaded through this portal as well JUST to make sure they have the 80+ page to add it to my credit file. I have called ; one rep told me she could see the docs, and another rep told me that she couldn't see the docs ; then ANOTHER rep told me she could see it and FINALLY the last rep told me he couldn't see them. I let him know that the docs were uploaded the first time to this portal ; they told me they didnt have them ; but they emailed me and told me they received them and they were investigating my dispute. After we went through this long conversation ; I was told that even if they received the docs ; it would be up to them to delete the bankruptcy. I told them that didnt make sense ; bc is the furnisher is no longer reporting this derogatory account that they credit reporting agency is supposed to remove it. He patronized me for about 20 minutes. This is my life. I have spent countless hours and LOTS of money fighting this bankruptcy. Please do the investigation properly. Or I will have no other choice to seek legal council and proceed with litigation against Transunion ; bc the other bureaus have had no problem following my request and just proceeding with the investigation. ALL OF THE DOCUMENTS HAVE BEEN SENT OVERNIGHT XX/XX/XXXX TO ARRIVE AGAIN ON XX/XX/XXXX
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Consumer complaint received 2019-11-07
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. (MA)

I have someone else name on my credit report from Experian. I have reached out to them via Mail with documentation and received back that I have changed my name and they will do nothing about it. I have not changed my name and that this person is on my credit report and has the same last 4 numbers of social security as mine. This is clearly Identity theft