davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
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. (TN)

In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now XXXX XXXX is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MS)

In XX/XX/XXXX I entered a forbearance plan due to loss of income. My original payment was {$680.00}. In XX/XX/XXXX I called the mortgage company to try and set up a plan to start paying my mortgage and they offered extending my mortgage from a 20 year to a 40 year and the payment was {$830.00}. I asked why and they added in escrow. I told them I never escrowed in my mortgage and they said they would try to figure out the problem and call me back. I have never received a call back and I have tried calling them and I sat on hold over 45 minutes. I also sent an email and had no response. My forbearance has been extended to XX/XX/XXXX and I can not afford their offer. I need help getting the escrow removed
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I recently became XXXX and have tried to work out a lower payment and payment plan until my XXXX benefits kick in. The company agreed to a payment plan however one of their employees continually harasses me by phone and email demanding checking and credit card information. I have explained that I do NOT want to set up a payment date as it may lead to NSF charges and she continues to harass me about my checking and debit card info. I have asked that she NOT contact me any further and have even complained to her supervisor and she still continues to harass me.
Consumer complaint received 2021-02-04
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. (CA)

XXXX was given permission to run my credit ( in-house ) for the purpose of providing an auto loan ( XX/XX/19 ). 
XXXX  ran my credit again ( and without my knowledge or permission ) nearly 14 days ( XX/XX/19 ) after the terms of the loan were established.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (NJ)

Hospital/Physicians and Credit Control Corporation are in violation of the HIPPA law, sending unauthorized PHI and PII with no signed HIPPA release form and without truly verifying if this account belongs to me. For almost two years, I've been asking for documentation verifying these accounts, yet still no original signed documentation given, only copies of medical billing statement with diagnosis, patient name and date of birth.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TN)

I sent a letter to Barclays Bank Delaware to close account XX/XX/2020, they sent bill for the next 4 Months starting in XX/XX/2020 I kept getting billed. tried to call and never could get anyone on Phone, wrote another letter. Finally I gave up, I am asking that this gets taken off my credit report because this is a blemish I should not be responsible for. 

Thank You, XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (FL)

I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.
Consumer complaint received 2020-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

after discovering over 15 accounts that were opened or reopened and maintained by someone else without me having any knowledge of. not on my that but i have the full statement and it clearly shows that i was being followed and the transactions were tracked and purchased at places i would go. not only that, i also found out that someone found a way to merge the accounts by planting the card into my possession so i can re-claim the transactions that were made.

after i brought this to the CEO attention, i was told the accounts never existed.

At this time i was missing a lot of packages and mail i was expecting so i placed a hold mail at the post office to accidentally intercept a mediation letter that i had no knowledge of so i called. during the first call i was outraged and concern so the rep said that letter was already settled and nothing else. Hung up.

the second call i made, i acted as i knew exactly what it was and just needed to varify some information and the representative on the other phone told me this letter was already settled for XXXX i thanked her and hung up i then noticed a different mediation letter but 1 number off and so i called again to ask about the other mediation settlement besides the XXXX settlement. 
she told me if i couldn't verify enough information for her to move forward. Hung up on me.

i now have discovered that i only came across maybe 4 different settlement case ID numbers. i believe there was a settlement for each and every one of the unauthorized accounts that were opened and managed by my impostor. this can vary well include settlements for the mortgage loans and auto loans too. totaling 15 unanswered settlements that were fraudulently made out to me without any of my knowledge.
Consumer complaint received 2019-08-15
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: I.C. System, Inc. (UT)

XXXX XXXX XXXX XXXX underneath the agency I.C. Systems is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to XXXX.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MI)

My husband who was the only one on the loan passed away last year, I have been struggling to adjust to his loss and the lost income, i have fallen behind. When I tried talking to the lender they would tell me i had to provide death certificate and copy of deed which I did then they say I had to have his estate probated and be the personal representitive. The lawyers I talked to said this was not necessary and the process would be very expenses. 
I also contacted a Hud certified counseling agency to help me but they too were not allowed to talk with the lender. 
They have sent the loan to attorneys to start the foreclosure process, I call they say they can't talk to me. 
I would like to save my house and have income to make payments but they will taake them or work with me. 
I am a surviving spouse and want them to abide by that program.
Consumer complaint received 2021-07-13
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: Waterfall Revenue Group (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I get an error message regarding technical issues when I try to set up Auto Pay online for my Citibank credit card. This is the error message : " Looks like we're experiencing a temporary technical issue. Please try again later. '' I first encountered this problem around XX/XX/2019. I experienced it again today, XX/XX/2019. 

Not being able to set up AutoPay increases the possibility that customers will miss payments. The ongoing nature of the " temporary technical issue '' raises concerns that this is intentional.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Two collections appear on my credit report as of XX/XX/2017 that are the result of identity theft..I 'd theft report has been filed with ftc and submitted to provider..XXXX XXXX XXXX XXXX and collection agency and dept is still being reported in violation of fcra
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. 

I contacted Union Bank and they credited the account and sent me a new card. 

On XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX   XXXX, XXXX, XXXX XXXX, clearly requesting that information. 

A month later I get a reply from XXXX, Dispute Operations, XXXX XXXX   XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. 

On XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back.

Union Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I have disputed this item on my credit report and won several times. But Enhanced Recovery Company keeps reporting it each time with a newer account opened date. Currently it is XX/XX/XXXX. I have called XXXX, the original credito, r and they gave me an account number. They said it was closed in XX/XX/XXXX, this was the year of my divorce so I assume it was opened by my ex-wife fraudulently. XXXX will not verify any other account info because my info does not match what they have on file. Either way, an eight year debt is too old to show up on my credit report.
Consumer complaint received 2019-08-09
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. (NJ)

I send in a dispute request for all 3 credit bureaus ( XXXX  Experian XXXX XXXX ) to update the XXXX balance to XXXX} or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXX verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.
Consumer complaint received 2019-08-09
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. (NJ)

I send in a dispute request for all 3 credit bureaus ( Equifax, XXXXn XXXX XXXXn ) to update the XXXX balance to {XXXX or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXXE verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I attempted to place a temporary thaw on my Equifax credit report in order to apply for a loan. I could not remember my password, so I submitted a request to reset my password through their online system. I answered the questions to verify my identity and requested an email link to reset the password. I never received an email from their company. I tried this same process several times that date and received the same results, many questions but no email reset. The following day, I attempted this process again with the same results. I then called their customer service number to inquire about this problem and was informed that their system was down due to an upgrade. The representative directed me to attempt the password reset later. On XXXX XXXX, I went through the online verification process again, but still received no email. I then contacted their customer service. I was told to try the password reset later because of system problems. On XXXX XXXX, I was still unable to access my account or obtain a password reset. Several times over the following days, I attempted to resolve this issue via email reset requests and phone calls. Finally, on XXXX XXXX, I contacted Equifax via phone, completed the verification process verbally, and was informed that though I had correctly answered the questions and verified my identity, I could not reset my password because my request was being investigated by Equifax. However, the representative could not explain why my account was being investigated. I dont know what is going on or why Equifax is not allowing me to reset my password, access my credit file, or investigating me for a simple password reset.
Consumer complaint received 2019-08-09
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. (FL)

I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Consumer complaint received 2019-08-09
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. (FL)

I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit Card was opened under my name fraudulently between XXXX or XXXX of 2018 in the amount of {$200.00} or {$300.00}. I informed them it was not mine and the guy started harassing me and getting belligerent over the phone.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter reporting inaccurate things on my credit report. I understand that due to the corona virus, the consumer reporting agencies have 60 days to respond to my letters. It has been over 60 days and they have not responded back. Section 611 ( a ) states that failure to investigate these disputes properly within the 60 day time frame should result in the deletion of these inaccurate items. These items should be deleted as soon as possible. If they are not, I will pursue legal action as my rights as a consumer are being violated. My information was also impacted by the Equifax Data Breach. It is possible that my information has been accessed my someone else.