davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I called Experians fraud dispute department today : XXXX, XXXX 2021, on or around XXXX XXXX  PDT. 

I spoke to a fraud agent by the name of XXXX located in XXXX XXXX. After providing my personally identifiable information, she immediately told me to hold without asking if she could put me on hold. Also, she did not explain why I was being placed on hold. 

This is an improper hold procedure. The agent has to get permission from the consumer. In addition, XXXX did not refresh the call. 

After a long hold time, she took me off hold and disconnected the phone and hung up on me. In addition, I did not get a phone call back.
Consumer complaint received 2020-07-20
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)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police  reportsXXXX 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  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, XXXX, Trans Union or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (UT)

Hi, Today I received a letter from " I.Q. Data International , Inc. '' stating that I owed a Principal Balance to a previous apartment complex named " XXXX XXXX '' out of XXXX, CO in the amount of {$2700.00} + Interest of {$570.00}. 

I have confirmation that this debt was paid XX/XX/2021. I have provided proof and they want me to call back weekly - every Friday? 

This is false debt and has been paid and the amount showing on the account due from the apartment complex is fully paid with a {$0.00} balance from years ago. 


Thank You,
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TranUnion : Looking to check into my Credit Score, which I was suspicious of because they asked for a credit card. I figured they were using it to verify my identity? Joined and received an email that they bill me {$24.00} + {$1.00} tax or {$26.00} total. Canceled and called to get my money back as I felt they just stole it from me. The rep said it was clearly marked, but I would get a refund within 10 days. Went back in and the part about that I was joining their credit monitoring service was below the fold in light grey print. Well designed to fool you and an absolute disgrace in business practice. I imagine 99 % percent of people fall for this scam and don't bother to go to the hassle of getting their money back. They should be fined out-of-business.
Consumer complaint received 2022-09-13
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, Transunion, failed to block and remove all the account on the FTC Identity Theft Report. 
My credit report is still reporting an account XXXX XXXX. This has caused me great anxiety, stress, and financial hardship.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX. I have a Capital One credit card ( XXXX ) XXXX, Capitalone.com with a {$8500.00} credit limit. My credit rating ( depending which credit agency ) ranges from 792-827 I always pay off all my bills for the full amount every month and have an annual salary in excess of {$170000.00} Today I checked my account and discovered my credit limit was reduced to {$2000.00}. I called Capital One at XXXX and was told they reduced it because I wasnt using all of the credit. I then spoke to the account manager and he refused to increase it back. Even though the reduction would adversely affect my credit rating, which in the end affects what we pay for everything ( ie : car loans, etc )
Consumer complaint received 2021-03-25
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 was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

Even after paying monthly payments on time, the company put a late charge of almost same amount as the initial payment. Initially when i was setting up auto payment the company representative told me the amount i owe every month which would satisfy the statement balance and minimum payment and would cover the entire cost of the loan for 24 months. But still i was getting charged after 24 months and when i enquired they told that i still owe the amount of loan i had taken as they incurred interest on the entire loan amount. This is total fraud on the part of Synchrony financials.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC (IN)

A written letter request of Validation of debt was sent XX/XX/2022 to Professional Placement Services [ L.L.C ]. This company responded on XX/XX/XXXX with only one forms of the validation consisting of amount owed and the organization. 

Professional Placement Services [ L.L.C ] has failed to provide copies of any papers that show that I agreed to pay the amount you are stating is owed. 
Provide a verification or copy of any judgement if applicable. 
Prove the Statute of Limitations has not yet expired on this account. 
Provide me with the license that you are allowed to collect within my state. 
Provide me with license numbers and Registered Agent or Agent of Service/s. 

Professional Placement Services are in violation of the following 3 below : Violation of the Fair credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation Of Character Professional Placement Services [ L.L. C. ] has failed to provide proper documentation as requested in the following Declaration. During this time all collection activity must cease and desist.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC (MO)

On XX/XX/2021 -- I received an email from XXXX XXXX stating a " hard '' inquiry had been made on my credit file by Veteran Uni. I went to XXXX XXXX 's website and saw the inquiry and contacted Veterans United Home Loans. Spoke to XXXX at Veterans United he said they received an inquiry from XXXX or XXXX. I explained I live in a retirement community and I was not looking for a home or a loan of any kind. He was unable to provide an IP address where this originated and only could tell me it was done at XXXX XXXX. on XX/XX/2021. I also received an email stating my " account '' had been successfully created on Veterans United Home Loans website and I could access it anytime. I did not set up that account either. I then spoke to a manager at Veterans United Home Loans named XXXX XXXX and he provided the same information that XXXX provided except he suggested I file a police report, file a complaint on identity theft.gov and freeze my credit bureau reports in the event someone is trying to take my identity. 

Mr. XXXX also stated he would email me all of the information he can to ensure I can take the necessary steps to get this corrected. Their phone number is XXXX
Consumer complaint received 2020-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from Capital Bank. I have never had a capital one flexible spending account as stated on the report. I called Capital One bank. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at Capital bank were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called XXXX  and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from XXXX  stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called capital one, they could not locate an account number with the last 4 digits XXXX. So, how was XXXX  able to do so. XXXX  fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. Capital One was never able to locate any account when I contacted them directly. I am stuck with no answers from Capital One or from XXXX. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or XXXX  has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.
Consumer complaint received 2020-07-20
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.
Consumer complaint received 2022-09-14
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. 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. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account/names/addresse which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, I sent a certified letter to Equifax on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.  If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'VE Filed all proper documents to Experian in regards, to the public Record filing Case Number XXXX UNITED STATES BANKRUPTCY COURT. and EXPERIAN IS NOT INVESTIGATING MY CLAIM. I'VE filed numerous claims attached the proper legale documents disputing there reporting they have all my documents from, PACER AND XXXX. AND EXPERIAN has yet to block this Public Record.Ive filed a dispute and have received a response the same day this is a clear sign they are not properly investigating my filing of dispute .EXPERIAN has took it upon itself ti ignore my request for a proper investigation and violet my rights under the fcra..
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Coinbase, Inc. (CA)

Hello, The company I am having problems with is Coinbase. I no longer have access to my account, but I am involved in a legal matter of trying to recover a large amount of money that I was scammed. I used Coinbase to sending payment so my attorney in XXXX says I need to get my Coinbase transaction history to move my case forward. I have tried contacting them in every way possible, but there is no possible way to get hold of anyone or to get a reply. What Coinbase is doing should be considered illegal. I just want my Coinbase transaction records but I don't know how to go about it. 

My email is XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fix my credit report now. Remove the incorrect names and addresses immediately they're not mine. Check and delete and please no more mistakes. Thank you for fixing this issue immediately. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Consumer complaint received 2020-07-20
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)

I have been receiving a letter in the mail for some time now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and saw various child support items and loans on my account that do not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX  XXXX {$970.00} XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$5800.00} XXXX/XXXX  XXXX {$770.00} XXXX  XXXX  XXXX {$5200.00}
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AZ)

This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s )  of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.