davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Consumer complaint received 2021-04-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

A purchase was made through home depot website in XXXX through opening a new credit card promotion ( which is 10 % up to XXXX dollars ). The order is submitted and delivery is scheduled soon after. In 2 weeks, early XXXX, I called Home Depot Credit Card service to inquire about my XXXX dollar rebates. The customer service replied that it will be applied within 2-4 weeks. Late XXXX, website posted the charge without the promotion. I called again and got the answer that a report will be submitted and I should get it within 2-4 weeks. I called a second time after not seeing any changes and was informed that the promotion is denied because the charged is posted few days after 30 days marks outside of the promotion window. The supervisor submitted a report again. In XXXX, I called back, another supervisor said that the promotion is denied the second time due to 30 days and the decision is final. The supervisor does not care about when the purchase is made, order confirmed or shipment schedule. The transaction date that is completed controlled by Home Depot dictates the promotion so the Home Depot can practically control whether the promotion can be paid out or not.
Consumer complaint received 2017-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (KY)

On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial XXXX which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX  XXXX : {$2700.00} XXXX XXXXXXXX XXXX XXXXXXXX : {$2200.00}.
Consumer complaint received 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-10-27
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: Certified Credit Reporting, Inc. (AZ)

Crtfd Crdt showed up on my XXXX  as an inquiry on XX/XX/2020. 

I have not applied to open a credit card recently nor have I applied for a mortgage. Somebody pulled my credit without my permission. I have no clue who this could be.
Consumer complaint received 2023-01-12
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX Account Number : XXXX ; XXXX  Account Number:XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry:XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  ; XXXX  Date of inquiry:XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  XXXX  Equifax Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! As you see below, the DATE OF LAST ACTIVITY IS WRONG for this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court, for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX XXXX XXXX for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (TN)

In XXXX of this year, my mortgage was sold from Dovenmuehle Mortgage, INC to XXXX XX/XX/XXXX. At the moment, my loan was in forbearance. Prior to selling the loan to XXXX Dovenmuehle reported my loan as 120+ delinquent, which was not true as it was under forbearance as per the terms of my agreement with Dovenmuehle . 

I have been trying to request this correction from Dovenmuehle for over 5 weeks. On my report, the account indicates that it has been closed with a {$0.00} balance, but my credit score is still 70+ points lower than it should be due to their error.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (CA)

I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Consumer complaint received 2022-11-06
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. (GA)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$690.00} ). Its been over XXXX XXXX and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (MO)

In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. 

On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. 
After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. 

We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. 

We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. 

On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. 

They then reversed the credit on XX/XX/2021 siding with XXXX originally. 

After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. 

Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. 

The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (MD)

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXXXXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I am having an on-going issue with Helevy & Associates.  My understanding is they were assigned to collect a debt regarding XXXX XXXX in early XXXX. Helevy & Associates ended up reporting the account as a collection to at least XXXX credit reporting agencies, including XXXX and XXXX. At no point did I received written notice of their involvement in the collection of a debt, nor did I have any knowledge any money was owed to XXXX. Records from XXXX indicate Helevly & Associates is reporting XXXX XXXX XXXX, XXXX XXXX FL XXXX as the address associated with the account. I never lived at this address and do not receive mail there. Any correspondence sent by XXXX would have been returned to sender as undeliverable. 

I did settle the debt when I found out it was reporting to my credit history. The agent for Helevy & Associates said they would request deletion of their tradeline after the account was paid. Yet, XXXX years later, it has not been deleted from my credit history, and when I disputed it via XXXX and XXXX, XXXX indicated that it should remain reporting and not removed.
Consumer complaint received 2020-10-27
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. (FL)

I KEEP SENDING the disputing letter to Transunion for numerous times, they either respond with no result or nonsense or not respond at all. They have posted negative account on my report and only TRANSUNION IS DOING THAT, I HAVE DISPUTED THIS fraud account directly with Creditor and they have removed it from XXXX  and XXXX  and only Transunion keep reporting account which was not even verified and not confirmed by CRDITOR. 
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2018-07-24
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. (OK)

On XX/XX/2018 I received a phone call from XXXX at XXXX XXXX in XXXX, Oklahoma where I currently have a loan. As they do every month, she called to offer additional funds if I wanted to come in and renew my loan. This time I decided to follow up on the offer. I went into the store. I made it very clear to XXXX that I did not want my credit run again as we were beginning the process of buying a home. XXXX advised that because I was renewing that my credit would not be run again. There would be NO hard inquiry. I ended up not getting the loan renewed that day. 
However, just a few days later on XX/XX/XXXX I learned that my credit had been run anyway and that a hard inquiry was made. I called XXXX to advise her of this and she apologized and said no that she had not run my credit. I advised that was not true because my credit monitoring had picked it up the inquiry. She advised that she would call the main office and get back to me. XXXX called back that day and again apologized and said that changes were made in the system and was told by the main office that because of this my credit had been run again. However, she stated that was in error and she advised that the FCRA Team at the main office told her that they would have it submitted for removal within 72 hours. She stated that she would call me that following Monday to confirm. She never called. Fast forward to over a month later and today on XX/XX/18 I called XXXX and asked why she never called me back. She apologized and said that she has been so busy over the past several weeks that she didnt have time to call. She stated that she was sent a letter from the main office and was told that the new procedure was that the system would pull a hard inquiry even though " they '' in the office are saying otherwise. She advised that she will get back with their main office but says she can not force them to do this removal.