davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
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. (CA)

This complaint involves Transunion. I want to place a freeze on my credit. I was able to do that by phone for my husband. Next, I tried to place a freeze on my own credit and the recording stated I had to speak to an agent. This was on XXXX. The line was busy. I tried 4 more times and the line was busy. I tried to call them directly and no one ever came on the phone. On XXXX I tried again to put a freeze on my credit with Transunion by phone. Again the recording sent me over to a phone line that was busy. So, then I went online and wanted to place a freeze. The website would NOT let me do that. Instead it wanted me to buy True Identity which is a product. I DO NOT want it. I want to be in control of my credit. Please help me with this. I have not been able to speak with one human being, except a nice lady with Consumer Finance. This must stop! These credit people are taking advantage of all of us, especially at a time when we are informed, months after it happened, a breach had happened. Please reconsider the power these groups have been given!!!
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX morning, I made a deposit of my bi-weekly paycheck ( {$1500.00} issued by XXXX XXXX ) via Bank of America ATM to my checking account. 

The ATM receipt indicated that {$200.00} would be available for immediate use, and the rest will be available in the next business day. Given this information, I made two transfers from the checking account ( {$6.00} to my XXXX XXXX account at XXXX and {$10.00} my online saving account at XXXX ). 

The next thing I know is that they put on-hold on my deposited check, and withdrew {$35.00} per each transaction ( total {$70.00} ) for " insufficient '' fund from my checking account. I immediately wire transferred {$100.00} from my online saving to this checking account to avoid additional fees.
Here are my concerns : 1. I made my transactions within the range of available fund ( {$200.00} ) given the information they provided. What did I do wrong here?
2. As the BoA e-mail notification came after these transactions already occurred, I could n't cancel these transactions in advance and avoid {$70.00} fees. ( What made me really frustrating is that, as these two saving transactions were not time-constrained, I would have choose to wait until my check cleared had I learned/received notification in advance ).
3. I contacted Bank of America regarding this matter, but they replied to me with " copy & paste '' message.
4. I have been using this checking account for receiving my salary from the same employer for more than 10 months via direct deposit. It was my first time using the actual check to make the deposit from the same employer and I have no idea why they put on hold on my paycheck. The webpage said the details would be available but I could n't find the direct document regarding this situation.
Consumer complaint received 2017-09-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

XXXX XXXX, XXXX Unable to go online and put a security freeze on my personal account! 

This is very frustrating that Equifax has my credit info stolen and I am unable to protect myself by going online and placing a freeze on my account. As has been recommended. 

Thanks so much for your continuing help and support! 

XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (LA)

I am XXXX y.o. and SS is my only income. I have struggled for 7 years to make my home payment. I received a notice that ditech had increased my payment, due to an escrow arrearage?? to nearly {$100.00} more a month ... .no way can I afford that since my mortgage payment is already $ 48 % of my income. I only owed about {$35000.00} since paying since XXXX. 

I contacted ditech for a loan modification and they approved it inXX/XX/XXXX with a reduced payment to {$550.00} with a new interest rate of 3.875 %. ( originally a VA loan at 4.5 % ). I signed and returned all their paperwork inXX/XX/XXXX ( ditech website showed {$520.00} due and I paid this in XXXX ). I paid my mortgage at their approved amount in XXXX of {$550.00} and already scheduled my XXXX payment ( electronically ) through my bank. 

I received an email from them today that basically read, 'we changed our mind, you house payment remains the same '.???? 

Is this legal after they already approved the modification? 

Thank you, XXXX
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (PA)

The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.
Consumer complaint received 2021-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

I didn't realize that my identity was compromised until I started trying to acquire credit and started getting denied. My ex husband XXXX XXXX or the car salesman at the time added me on a car loan without my consent, I absolutely had no knowledge that I was on this loan. The payments were being made on time up until 2020 that's when I started getting denied for everything.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Because of the Equifax data breach, my credit report information was compromised. Ive gone to great lengths to put security issues on my credit file, so if a credit application is filed, I am to be contacted to verify its for real, by calling my number. Now, since my information was taken, its back out on the market to anyone who can use it
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo VISA has denied me any and all information about activity on my account. The activity I 'm referring to is payments I 've made to WF Visa over the past 2 months that should have resulted in paying my balance in full or perhaps having an amount due to me. The denial has come in the form of not allowing me access through WF online banking nor sending me statements in the mail even after a written request from me in late XXXX. I believe that Wells Fargo 's withholding of the aforementioned information is illegal or unconscionable at best.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-09-06
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: Bread Financial Holdings, Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In the month of XX/XX/2015 Capital One credit card says that I was 30-60 days late on my payment, The vendor actually sent my bills to a wrong address, and I believe the bill was still being paid ontime this is actually the only missed payment listed negatively on my credit report.
Consumer complaint received 2018-03-23
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. (NC)

I have the following errors on my credit, I have tried to handle this directly with Experian but yet still no resolution to remove items off my credit report. Below are the following that need to immediately be remove off my credit report.

REMOVE COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - XXXX  - {$260.00} REMOVE INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX UPDATE PERSONAL INFO : REMOVE BELOW : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UPDATE Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX   UPDATE EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

This complaint is against XXXX, Experian, and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to Experian about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( Experian XXXX XXXX ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XX/XX/XXXX. They took it off of my Experian credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XX/XX/XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

Financial Recoveries- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XX/XX/XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and Experian. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.
Consumer complaint received 2017-09-12
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I faxed XXXX XXXX Consumer Credit Specialist Department a letter requesting account # XXXX to be removed/blocked from my credit report ( attached are the copies of the letter I faxed, NOTARIZED FTC AFFIDAVIT and POLICE REPORT ). This account is opened fraudulently. I am a victim of IDENTITY THEFT. I told them when I applied for a XXXX  account in one of your XXXX store, the lady who helped me whom I provide my drivers license and CITI credit card informed me that my application was declined. I never receive a card, I never activated a card and I never use any credit card from XXXX. I did not receive any letter/ response from XXXX . To  make matters worse, I disputed this account with the credit bureaus and they are claiming that XXXX  VERIFIED the account details as CORRECT and ACCURATE. 
I called XXXX  today XX/XX/XXXX, and like ALWAYS, I GET TO BE PASSED AROUND. I reached customer service who said they do not have complete access so they Transfer me to XXXX XXXX. - XXXX from XXXX  recovery group said : XXXX received the faxed docs. Said that XX/XX/XXXX they started working on the fraud case, no updates yet, and may take up to 30 days to update. Requested to be transferred to Fraud.
Rep from Fraud said it may take 30-90 days, could be more could be less. Said they cant do anything about it right now. Rep also wants to transfer me back to recovery saying that the recovery group should be the one that has full access to the account. I reiterated FCRA 605B, saying that fraud accounts MUST be removed within/NOT LATER THAN 4 DAYS upon receipt of the Notarized FTC affidavit and police report. But they said the investigation team is already on it and no results yet. They definitely received the documents needed to remove this fraudulent account and DEFINITELY MORE THAN 4 DAYS have passed. This is a violation of the FCRA and this company is robbing me of my rights.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling XXXX, Equifax, XXXX and XXXX. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I went online to get my free yearly credit report which I have not done for several years. 
I was able to get my report from only one company out of the 3 which I was told the reason was ( A  condition exists that prevents XXXX from being able to accept your request at this time. ) I see a lot of complaints online from people saying the same thing. 
Only XXXX was able to give me their report. Neither Equifax or XXXX would help.I am just trying to see who has a cell phone in my name which I just learned from XXXX on XX/XX/XXXX/19 while buying a new cell phone online. Today is XX/XX/XXXX2019.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax knowingly left a security vulnerability on their web site allowing someone to download peoples data that we never gave them authorization to hold. I checked their security site and it said my data was probably stolen. Why ca n't they tell me for certain? Their only offer to help us who were victims of their decision to ignore known security vulnerability is 1 free year of credit monitoring. Except to enroll we have to agree to the use agreement which a ) contains legal terms and statements that I do not understand and b ) part of it says I agree to " arbitration '' and exactly what that means or applies to is unclear. I tried to find further information but they have no clear information available. I have spent hours now trying to find a definite answer and am more confused and very upset. I spent years building my credit to a XXXX FICO just to have a credit agency treat my private information as if it is less important than their bottom line. This choice is clear when they chose not to spend necessary money so they had an adequate level of security. Furthermore, I never gave Equifax authorization to have my data in their possession, other corporations did. Who is now legally liable for the choices made by these " corporations ''. If corporations are people why are n't the " people '' who are these corporations made to answer for breaking laws?! It was one or more individuals who made these choices to favor profit over consumers so this individual ( s ) should be indicted. Who am I supposed to turn to for advice on what I should do? I can not afford expensive financial experts!! Who can I turn to for assistance and questions I may have?
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have tried multiple times to have my name and social security number corrected on my Equifax credit report. The company is completely disregarding my my disputed information. I have forwarded a copy of my driver 's license, social security card, and utility. I wad sent a response to my dispute on XX/XX/2023 and the name above my address is clearly not my name and I have provided multiple documents to verify my identity. I would like the record to show that my accurate Name is XXXX XXXX. I do not go by any other name or alias. The incorrect name of XXXX XXXX is on my credit report dispute. I am NOT XXXX XXXX. I am requesting this name be removed from my credit report immediately.