davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a Macys account was opened fraudulently on XX/XX/XXXX, I disputed this account with Macys directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ XXXX XXXX. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

In XXXX of XXXX  my mortgage servicer XXXX  XXXX XXXX, gave me a mortgage forgiveness of {$93000.00}. When the mortgage was transferred to XXXX XXXX XXXX, the {$93000.00} was added to my mortgage balance. 
I request that the monies be credited back to my mortgage loan balance. 
Currently my loan is being serviced by Rushmore Loan Management Services LLC.
Consumer complaint received 2020-11-16
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 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 to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-18
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. (OH)

On my credit reports there is wrong information reporting on it. XXXX XXXX  account have been closed and is not longer on my report. Also with XXXX, XXXX, and transunion, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX  report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX  account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX   XXXX. 
XX/XX/XXXX XXXX/XXXX  inquiry was not authorized by me. I never applied for credit with XXXX/XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX  XXXX XXXX  account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX inquiry needs to be removed. I did not approve this inquiry. 

Transunion report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Consumer complaint received 2021-11-04
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. (NJ)

There are several fraudulent names and addresses on my credit report. I sent letters to Experian, XXXX, and XXXX to remove the fraudulent information in order to prevent identity theft however they have not responded. 

My credit report should accurately reflect who I am and having multiple names and addresses on my credit report is a form of identity theft seeing as how I never gave written permission for any names or addresses that are not mine to be on my report I have attached a copy of my identification which contains my only name and address. I can not have more than one address or name as I am only one person.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (IN)

I had an auto loan open in ~XXXX at XXXX  XXXX XXXX ( previously XXXX  XXXX XXXX XXXX ) in XXXX , Indiana that was paid off ( the vehicle was a " total '' after an accident ). The auto loan showed up on Experian as " closed '' but still showed on my credit report. 

Now, when I've checked my credit report online, it's disappeared. I have disputed this with Experian and they've quickly returned the report as updated and complete. Despite the dispute I submitted, there has been no change, on any of the credit reporting companies ' websites, online ( from what I can see ). 

The dispute I made was on ~XXXX and XXXX of XXXX ( this year ) according to my emails ) I " opened '' the dispute again on the XXXX because the closed auto loan still didn't appear on my Experian report ).
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

In XXXX day I typically receive about XXXX phone calls during work hours from a " No caller ID '' number. In the past I have answered while on break from work and learned that it was from Comenity Bank. I have agreed to make payment on the late accounts on XXXX XXXX when my next check clears and they are still continuing to call me at the rate of XXXX calls per day from the same " No Caller ID '' number. I have asked them to remove my phone number from the account and yet I still receive calls. I have not disputed the debt and have told at least XXXX people what my personal situation is. After having been a credit consumer of each account for at least 2 years and this is the first time I have ever been late, the harassment of several phone calls a day with no call back number sincerely has me thinking lawsuit. Especially since I now work for an XXXX.
Consumer complaint received 2020-11-16
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. (NY)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 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 to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (MA)

A few years ago when the XXXX  breach occurred, I checked my free credit reports for all 3 bureaus and noticed a XXXX  account was opened fraudulently on XX/XX/XXXX, I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ Credit Control. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Consumer complaint received 2022-08-12
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. (NY)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. XXXX XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit Management sent me a letter threatening legal action against me and wage garnishment for the amount of {$3500.00} which I never received a validation letter from them. XX/XX/2020
Consumer complaint received 2020-10-29
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. (NY)

I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: STERLING JEWELERS, INC. (CA)

This is a complaint about Jared Jewelry. I previously had a payment plan that was stopped for unknown reasons to me. Some time has gone by and I started receiving numerous calls to my cell and work numbers. I advised them not to call my work number and what times I could be reached on my cell. They havent tried calling my cell during the times I indicated and have continued to call my work number even asking to speak to my supervisor.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

JPMCB AUTO
Contact
XXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-05-24
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (TN)

Stenger & Stenger has continued to submit the same statement regarding an illegal obtain judgement on XXXX XXXX in XX/XX/2010. XXXX XXXX has never once been notified regarding the 1st judgement, nor was Mr. XXXX ever proper notified on this current judgement. XXXX XXXX XXXX is the 3rd purchaser of this debt that ... AGAIN.. IS A TIME BARRED DEBT!!! ( apparently, not understand that part of this conversation ) & that Stenger & Stenger has shown any and all proof of legalities of this TIME BARRED Debt. ( again NOTHING IS ON MR XXXX 3 CREDIT REPORT regarding this so called debt & JUDGEMENT!! ) Yes, we understand the 6 years!!! Yes, we know it is 10 years on Judgements ( again, no record of any JUDGEMENT on Mr. XXXX 's 3 credit reports!! ) However, once again, Stenger & Stenger has not proven that Mr. XXXX was properly notified with either a proper signed summons that Mr. XXXX was notified regard any court date to dispute any action taken against him. Stenger & Stenger only answer is that they are trying to use that We do not under the laws regarding Fair Act regarding Consumer Affairs. Stenger & Stenger, as with any and all other debt collection bottom feeders is utilizing the back door to enforce an illegal issued judgement from XX/XX/2010 ... but, supposed Summons was back in XX/XX/2010 & the supposed hearing was on XX/XX/2010. Stenger & Stenger has not followed any of the proper protocols regarding the laws under the Fair Debt Act. Until, Stenger & Stenger can follow this laws put in place to protect all consumer ... there is no such case against Mr. XXXX. Also, I find that CFPB is not doing it job properly by investigating any part of these complaints. All CFPB is doing is submitting our complaint to Stenger & Stenger & allowing them respond & close this complaint. We can do this ourselves. CFPB is suppose to be here to help the Consumer regarding improper collection from bottom feeding Debt Collectors.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY (MS)

They logged me out and wont let me into my account it was SUPPOSE to be money deposit to a account that I don't have a card to so I tried to get my money transferred but now it's not NOTHING there and my account is LOCKED
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please update the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account XXXX XXXXXXXX because this account is only reporting on my XXXX and my Transunion credit report. It has been removed from my XXXX account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC 6802 ( b ) ( c ). Please remove this account from my XXXX and Transunion credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : 1. validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ).

2. A copy of the original contract with verified signatures binding both parties per UCC 3-505.

3. All Payment History 4. All charges with my signature or digital signature
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Consumer complaint received 2020-10-29
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. (CT)

I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.
Consumer complaint received 2020-10-29
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. (CT)

I recently checked my credit report and have seen multiple hard inquiries that have severely impacted my credit score. I shopped for a mortgage back in XXXX or 2019. I do not believe the multiple hard inquiries should affect my score because they were all for the same reason and should be grouped together. Recently, I traded in my vehicle and purchased a second vehicle. I authorized the dealers to run my credit report to find me a good rate to finance those new vehicles. I was surprised to so my credit score decreased drastically since XXXX of 2019. 
I also saw that a mortgage company recently made an unauthorized inquiry on my report. I am no longer in the market for a mortgage and would have no reason for a company to do so. 
My complaint is that these hard inquiries have so negatively affected my credit score. Some were authorized for specific purchases but those should be grouped together. And, I have some unauthorized inquiries that certainly should not affect my credit score. 
Looking at my credit history you can see that I have not missed a payment in over 150 months and my credit was very good until these events. 
I hope someone can research my credit history and correct any and all negative events on my credit report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I checked my credit report I found these inaccuracies on my personal information. The only address that should be reporting on my Credit file is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ''. Kindly remove these addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX