davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (MO)

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 any item 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 Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX 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 2016-09-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I, XXXX XXXX, am extremely disappointment with DITECH representatives and all the miscommunication I have been receiving. On XXXX XXXX, 2016 my legal representative from XXXX XXXX XXXX had a phone call from XXXX extension XXXX who is my single point of contact. She requested the Non- Borrower credit authorization form, but never specified that DITECH required a legal form, she told XXXX XXXX XXXX XXXX XXXX that it could be a hand writing authorization. Yesterday XXXX XXXX XXXX called to do a follow up regarding my case and was told that my file was submitted to the under- writer, but that the Non- Borrower income presented was not going to be used due to that fact the Non - Borrower credit authorization form was n't acceptable. I 've been trying to get a Lon Modification for that last year and has been denied for income purposed. I need my daughter 's income to be used in the review. I ask you to please take into consideration my daughter 's income, who is my contributor.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file.
Consumer complaint received 2018-03-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (VA)

In 2013, I was attending XXXX XXXX XXXX - XXXX XXXX, VA to become a XXXX and wound up being XXXX ( non voluntarily ) less than 30 days into my second 4 month period. I had already paid {$2100.00} plus {$100.00} admin fee for this period of instruction. The total cost for the 4 month period was stated to be {$4200.00}. 
XXXX alleges I owe them {$210000.00} for the four month period of instruction, but no services were delivered for this charge since they disenrolled me. Actually, a refund is due to me in the amount of {$640.00} based on a pro-rated tuition. I have submitted XXXX written responses to XXXX and their debt collection services and have never received a response acknowledging my letters and claims. Instead I keep getting threatening calls from their collection services that I owe them money - this has been going on for XXXX years now and I want them to answer my letters, pay me back the money they took from me, and STOP harrassing me.
Consumer complaint received 2016-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Revenue Assistance Corporation dba Revenue Group (KY)

RevenueGroup collection agency sent a collection notice to me for XXXX XXXX XXXX WITHOUT ever sending me a statement or paper bill via mail in the first place as I had previously requested. After inquirery with RevenueGroup, the representative insisted I pay immediately over the phone to avoid legal action and damage to my credit. He refused to investigate the issue. I have no idea what the exact charge is for. His tone was very rude and condesending. No contact whatsoever had been made to me regarding this charge by The XXXX XXXX XXXX group prior to the collection notice.
Consumer complaint received 2017-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am filing this complaint against Equifax for reportin g four  accounts on my credit report that do not belong to me. They were all opened in   XXXX   and they appear to be medical related debts. What I do n't understand is that they are only being reported on Equifax at this time. There is n't even a name to identify where they are coming from!     I am attaching a section from a recent report which shows how only Equifax is reporting them to my credit. The first account has an account number of  XXXX  with a balance of {$870.00}. The second account has an account number of  XXXX  with a balance of {$1200.00}. The third account has an account number of  XXXX  with a balance of {$4800.00}. The fourth account has an account number of  XXXX  with a balance of {$1000.00}.     According to the notes on my report, they are coming from someone else 's overdue hospital bills but they keep getting placed on my credit! Where and how is Equifax coming to the conclusion that they belong to me?     They are compromising my personal information by reporting someone else 's accounts on my credit and the worst part is that they are refusing to remove them because they are concluding that they belong to me. This can not be possible. The credit reporting agencies have reported other persons ' accounts on my credit before just because we have a similar name. This is what is happening now and I suffering unjustly because of it.     To this date, nothing has been done to properly substantiate and remove these accounts from my credit. I am in the process of filing a police report to help address this issue because I am not responsible for any of these debts.     This is a request for validation and supporting documentation.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (UT)

We have a CitiBank Home Depot credit card. While shopping at Home Depot in XXXX 2014, I did n't have any cash and even forgot my Home Depot Credit card with Citibank. They agreed to let me use it and they looked it up for me and charged the {$82.00} and I left. 
About 2 months later, we had a recording on our home phone answering machine, stating that our account was 60 days late. My wife called immediately and asked why we had n't received a statement, and they said they sent it electronically. My wife immediately made the payment and before she made the payment confirmed with the representative that our credit would n't be hurt. 
About a month ago, we are purchasing a XXXX home and had my credit pulled and come to find out that CitiBank/Home Depot had reported this {$82.00} 60 days late on my credit. We wrote a letter to Citibank and disputed it with the credit bureaus to come to find out that Citibank will not remove it. We never received the statement, either paper or electronically. They claimed they sent it out to an email and my wife and I NEVER received it. Citibank illegally reported to the credit bureaus that I was 60 days delinquent on my account for a {$82.00} charge. 
This has damaged my credit score and prevented me from obtaining a better interest rate due to CITIBANK/Home Depot lack of sending me a statement to inform me that I have a debt/payment due. 
I would be satisfied if CitiBank/Home Depot removed the 60 day late.
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Went shopping for a mattress, and I asked about the 0 % APR financing the store was advertising. The employee said, let me check to see if you 'd be qualified. He asked me for some info, and before I knew it, I had a new credit card I did not sign up for! I even kept asking him if this would show up on my credit report and that it better not be a credit card. He kept insisting it was a soft pull and We do n't use this as a credit card. The employee was either extremely ignorant or flat out lying to me. Worse of all, I did n't even need to finance the purchase and ended up paying for the {$700.00} mattress outright. 

I called the bank Synchrony immediately to try to prevent the application from going through. They said there was no way they could do that, and that I would have to call back in 48-72 hours to cancel the account AFTER it had been posted. I have since cancelled the card with Synchrony in the 48-72 hour timeframe. 

I never signed anything and never gave permission to open a credit card. The employee never got my approval, and I was not only misled, but flat out lied to as he kept insisting it was not a credit card. This is identity theft as he applied for a credit card on my behalf without me knowing. 

A few days later, sure enough it showed up on my XXXX credit report as a new credit card account. I would like to have this be wiped off of my credit reports ( XXXX, XXXX, etc ) entirely without any record of it existing.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I submitted a claim regarding a banking promotion with citibank. The claim number is XXXX. On XXXX XXXX Citi responded that they would credit my account with XXXX thank you points since I had met the terms of the promotion. The correspondence from XXXX XXXX stated that the points would be deposited in 60 days ; according to this schedule the points should arrive by XXXX XXXX. Yesterday on XXXX XXXX I logged into to redeem the points that had been granted and the points from this account were missing. The representative that I spoke to said that the points had been forfeited. I explained that the points had just be granted after a dispute and were due to be deposited by XXXX XXXX. I worked very hard to ensure that I received this bonus and am very upset that Citi seems to have revoked their offer.
Consumer complaint received 2017-10-08
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: Experian Information Solutions Inc. (GA)

I have contacted Experian on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft
Consumer complaint received 2018-03-18
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. (MO)

I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiries reflecting on my credit file, some even showing two/three times a day apart. I was advised to contact the companies and advised them to remove the inquiry ; however, when contacting the companies they did n't see the inquiries on their end nor did they have acct information on me. When calling Equifax back the rep informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. 

Unauthorized hard inquiries XXXX XXXX - inquiry date XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX XXXX - inquiry date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I have been a victim of fraud in the past with online attempts of applying for a credit card. I 've filed a police report in XXXX and even assure the fraud alert in on my credit report. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Consumer complaint received 2018-05-28
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: EQUIFAX, INC. (CA)

On Sunday XX/XX/2018, I had received notice from a XXXX XXXX   that it was new inquiry was added on my Equifax report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

XXXX XXXX is the collection agency that XXXX XXXX sent my account to. 2 months ago, they took my balance of {$550.00} off of my credit report. After about 3 weeks they put the amount back on my credit report and reported that account was opened on XX/XX/2017 which is 100 % false. I tried to call CONVERGENT and they could not even find my information in their system. They should not be able to remove that from credit report then enter it again with a new date that is fabricated.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX, on XX/XX/XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I was notified by Citibank that my universal card payment was past due. I never received the statement. I personally visited the nearest Citibank office in XXXX XXXX to request a copy of the statement so that I could review it and make immediate payment. An official at this branch advised me that they did not have access to this information and that I would have to call Citi directly. I called several contact numbers but the only response was that this was an attempt to collect a debt and how would I pay it? I have been unable to contact anyone at either Citi or AT & T Universal Card to request a copy of the statement so that I can review it and make payment immediately.
Consumer complaint received 2020-10-18
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. (TX)

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, Equifax, XXXX and XXXX.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.