davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
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)

Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I requested a " change due date '' at least twice, since on the 1st of the month is often when I may miss the payment, so I wanted something later, such as 3rd or 5th of the month as a new due date. I believe they adjusted it. However I see now this and previous month I am charged a LATE FEE for paying on the 2nd of the month.

Why won't they allow me to change the due date??? 
their assistant claims " 'm sorry, I'm unable to change your due date. Your account has already had a due date change within the past 12 months. '' but they never allowed the change ... and they try to scam me on late payments.
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am an XXXX XXXXXXXX  during the holiday season. I have used XXXX XXXX accounts for three and a half years and have never encountered any problems. Three months ago, XXXXXXXX XXXX closed my checking and savings accounts. I did not receive any prompts or fraud reminders from them. The reason given was that they suspected that I deposited a {$15000.00} check signed by my XXXXXXXX XXXX  into my savings account. When I carefully compared the information they provided, I found that it was not my signature, and I reported it to XXXX. After verifying the details, someone tried to deposit my XXXX check into my BOA account and then took advantage of the time difference and tried to take the BOA money. I submitted my other official signed notes in the hope that they could compare the handwriting, but they Still no reply to me. And it has been delayed for three months. Different people and different departments have been shirking responsibility, telling me that it is still under investigation and has not been closed. Some departments told me that they have closed it, causing me to be unable to repay my credit card.
Consumer complaint received 2023-01-31
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. (NY)

I am being hit with a hard inquiry XXXX XXXX Inquiry date of XXXX XXXX XXXX. I never applied for any new cards on said date and this inquiry was not made by me.
Consumer complaint received 2021-07-13
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: CBC Companies, Inc. (FL)

Factual Data excessively ran unexplained and unprompted credit inquiries from XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NC)

In late XX/XX/XXXX, we were approved via our insurance company to receive {$12000.00} to put towards the replacement of our roof that was damaged during a hurricane. The insurance company issued the check to us but said our mortgage company had to endorse. They said it's a quick process just mail it to them and they'll mail it right back. After the roof was complete and I received the check from the insurance company, mid XX/XX/XXXX I think, I sent the check, the letter from the insurance company verifying this and the receipt to prove the roof had been replaced to XXXX. They advised us that we would only receive 90 % until the roof was complete. I called them to confirm it had been completed a couple months prior. They said they had to send an inspector out to approve the completion before we got the last 10 % owed. The inspector wasn't sent till mid XX/XX/XXXX, he spoke with my husband and said it look perfect we should be getting a check shortly. When the end of XX/XX/XXXX came about and we had not received it, I called XXXX to get an eta. They advised me our mortgage was given over to Flagstar Bank and all the claim information went with it so they were now responsible for paying us this final amount. I called Flagstar and they said the transfer wouldn't hit till XX/XX/XXXX. So I called after that this date and Flagstar said there was no information regarding this claim that it would take longer for all the information regarding our mortgage to arrive. I called a week or so later and spoke to someone in Loss Draft and at first he said he didn't see anything but then said he did see something was pending. He asked me to send him the report outlining the payment approved by the insurance company. I scanned and emailed it. I then got an email stating that the document I send was insufficient. I called to talk again to Loss Draft at Flagstar yesterday and was told they were down so the representative refused to pass me along. This is when I decided to come to you. It's been going on for months, I gave XXXX everything they could possibly need to approve this final amount of {$1200.00} and it was approved by one of their inspectors. I am NOT going to resubmit everything because these institutions can't get their acts together. My roofer is waiting on this money that came from the insurance company not the mortgage company!. Why are the banks refusing to complete the approved amount!! In my opinion, we should have been giving this money prior to the mortgage transfer.
Consumer complaint received 2022-04-03
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (OH)

I tried disputing with the company and my XXXX XXXX  Nordstroms I never applied for and a few others I cant remember right now please give me a call at XXXX my name is XXXX XXXX it is a hard inquiry on my credit report and I did not apply for those credit cards I called the company and I also told XXXX and its still there until XX/XX/XXXX
Consumer complaint received 2022-04-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had sent letters and called TransUnion many times and told them theres a error on my credit report they sent me letters stating it was Accurate when I Dispute many times about this account they come back with its accurate, TransUnion is reporting open account However XXXX is reporting closed account both can not be right this account is 5years old its a closed account its a XXXX account # XXXX date XXXX XXXX thats there report, I know this account is 5 years old, the error is they are reporting wrong information stating its a open account plus they are making the account look young its not.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On Tuesday, XX/XX/2021 at XXXX XXXX I added my husband to my credit card as an authorized user. Monday, XX/XX/2021 we received my husbands credit card in the mail. When I attempted to set up the credit card I noticed he was no longer on the mobile account as an authorized user. I did not make this change. Upon learning this, I called Capital One and asked them if they could help me fix this issue. They explained to me that they couldnt but when I go to attempt to add him back as an authorized user or account manager the mobile app and computer states hes already on the account as a authorized user. I dont feel as though Capital One is being forthcoming with their resolution process and when I asked why my husband cant be added back I was told by a supervisor that he didnt know and it was proprietary information so in essence my husband is unable to use a feature on my credit card which I would like to grant him access to that benefits both him and I. I also did not find any policy or procedure that states any resolution or that he cant be added after mysteriously being removed.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

My wife and I lost our house in XX/XX/2021, and dealing with our mortgage company, Pennymac, has been a nightmare since day 1. It took them several months to release funds they received from our insurance company to our contractor so he could start rebuilding. We didn't start rebuilding until the end of XX/XX/2021. That's 7 months worth of building time we lost because of the mortgage company. And during that time, the cost of materials has increased an average of XXXX %, which then makes our insurance company hesitant to release additional funds to the mortgage company because it's over and above their estimate, which was done in XX/XX/2021. While we are doing some upgrades to the house, so our XXXX generation family can be more comfortable than we were before we lost our home, we are prepared to pay for those out of pocket. However due to Pennymac delaying the release of the funds, we have had to pay our contractor over {$60000.00} of our own money to allow them to continue building up to where they are now. Pennymac has finally released an additional $ XXXX, but this will only get the rough electric and rough HVAC installed. Once that is done, we are at a standstill until more funds are released. And our insurance company only covers living expenses for 12 months from the date of the incident, so we need to pay rent from then until our house is livable again.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TN)

1. I am baffled that Comenity Bank has been unwilling to delete a fraudulent account that is currently showing on my credit report.

2. I provided proof that I filed a report with FTC and made it abundantly clear that I did not open the referenced account.

3. Comenity Bank is basically telling me that my Identity Theft claim is unfounded as per an investigation apparently carried out by their Fraud Department.

4. I dismiss the preceding paragraph in its entirety and would like to make it clear to CFPB, but not limited to, that Comenity Bank actions of reporting an account on my credit report that I did not open per se, is a clear violation of the FCRA and other applicable statutes. 

5. To avert litigation, I am taking reasonable steps to have Comenity Bank delete this inaccurate and harmful and damaging trade line from my credit.

6. It matters not to me that Comenity sold an alleged debt to a 3rd party. It has nothing to do with me being a victim of Idenity theft. Instead of resolving this issue, the bank has employed stall tactics to sway me from fighting for my right to an accurate credit report.

7. They have failed to provide evidence of their investigation ; failed to provide evidence of the application, contractual agreement and/or ID that I allegedly used to open the material account.

8. I will not be swayed from having this matter resolved. A subpoena of such information and other records might be forthcoming if this company does not cease from its unfair business practice and discriminatory stance.
Consumer complaint received 2022-11-17
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. (SC)

The following companies did not reinvestigate the alleged accounts. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, XXXX XXXX XXXX XXXX XXXX Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the alleged debt since you sold it. XXXX XXXX XXXX XXXXXXXX. Please send me the original contract with my wet signature, payment history associated with this account, the correct balance, proof of ownership stating that you are in position to collect the debt, you have the right of assignment, prove to me that the creditor did not directly partner with you. I demand verification of the original creditors information including their name, telephone number and address. XXXX XXXX XXXX, charged off this account as a profit loss to the IRS. The account is still reporting transactions and experiences, which is a violation of my consumer rights under section 15 USC 1681. Since this account has been written off as a profit loss, I am requesting a form 1099c form- cancellation of debt, since the amount is over {$600.00}. The balance was {$4100.00}. The balance has increased to {$4200.00}. The original charge off is {$4000.00} and the high balance is {$3900.00}. XXXX XXXX XXXX. Please send me the original contract with my wet signature, payment history associated with this account, proof of ownership stating that you are in position to collect the debt, and that you wrote this account off as a loss profit to the IRS. if the balance was written off as {$260.00}, why is the amount due is {$450.00}? XXXX has not updated me with any correspondence. Please send all correspondence to the address that is being provided in this complaint/dispute
Consumer complaint received 2022-11-17
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. (MI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Exsperian credit reporting company name is XXXX corporate fetti webbank iincliuding t collection agency 's. Such as XXXX XXXX XXXX XXXX is requesting same money. Not owed l payed them off many years agoXXXX The account is being shown is not my account l request to please delete information off. From my credit report. I contacted. XXXX unable to provide no payment history only Blank piece paper was sent threw there collection whom Also request same amount money which has turned into fraudulent from These companies
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have repeatedly sent Equifax Police Reports showing that my vehicle containing my wallet was stolen and demanded that Equifax produce original wet ink signed and dated contracts bearing my wet-ink autograph, they ignored the Police Reports and not produced any of the demanded original wet-ink contracts, and persist in allowing XXXX  XXXX XXXX XXXX XXXX report as open an account that was listed in Bankruptcy Court case number XXXX XXXX XXXX XXXX as fraudband was discharged , a gross violation of Federal Law and Contempt of Court.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX i was never late on my account XXXX XXXX XXXX  ( XXXX ) on ( XX/XX/XXXX )
Consumer complaint received 2023-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendgo, Inc. (TX)

Mortgage in my name XXXX car loan a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past XXXX  years any thing open now is fraud not me
Consumer complaint received 2022-03-01
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. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2015 {$820.00} Ive tried serval times to dispute this because it was an unauthorized & I have no knowledge on where this account comes from I tried calling and nobody can tell me where this acount came from this was open fraudulently under the FCRA its disclosed that an unauthorized account be removed immediately Im un aware of this credit card
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

LexisNexis is reporting inaccurate information to insurance companies regarding my driving and credit history. My premiums have doubled and tripled and I am unable to obtain insurance from another insurance company due to them reporting to all of them. I can no longer pay my premiums and will lose my vehicle without insurance. I bought a truck in XX/XX/2020 and they are reporting accidents and claims in XXXX and XXXX and many others and I DID NOT EVEN OWN THE VEHICLE!!!
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MS)

Ford Motor Company reported a late payment in XXXX of 2020 on my account. Ford Motor company pledged to not report late payments during the earlier parts of the Covid pandemic as there was a global financial crisis.
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MO)

Experian Reported complaints : XXXX XXXX a medical ( XXXX ) issue of {$280.00} on XX/XX/XXXX which proves Experian would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX XXXX XXXX keeps coming up as a credit card but it is not a plastic card XXXX it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XX/XX/XXXX