davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (MA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-05
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. (FL)

It was reported on the day to Transunion via phone which an alert was received in reference to an alert that was received. The hard inquiry alerts listed below was not consented or authorized by me. The other 2 credit bureaus have as well been notified and the appropriate deletion and updated credit reports have been corrected due to previous and current information being exposed in data breaches and also online. I am requesting for the inaccurate inquiries that was NOT authorized to be deleted as this is hurting my credit score. I was not contacted by any creditors in reference to the alerts nor did I receive any documents via mail. My credit reports clearly states Please contact the consumer at - before issuing credit or goods due to previous fraud. The creditors listed below did not follow guidelines and regulations of the law written. The companies were contacted and I was advised to contact the bureaus again for deletion.

Hard Inquiries not authorized by me 1 ) XXXX XXXX  XXXX XXXX XXXX, 2019 2 ) XXXX- XXXX XXXX, 2019, 3 ) XXXX XXXX- XXXX. XXXX, 2019 and XXXX XXXX XXXX XXXX, 2019. 

Attached below are a few documents
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 I ordered a desk for work and a chair with matching dresser from XXXX XXXX. Order Number : XXXX. See attached original order. I have yet to received these items as they have changed to date available over 10 times and only after I have reached out are they updating me on this. But my main issue is I am being charged, WITH interest, on their credit card for these items yet to be received. See attached credit statement.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one 360 canceled my debit card to my checking account without any notification. This cause me to not be able to purchase groceries that I was in line trying to purchase causing great distress and problems. The representative said they had sent another card in the mail. I was not expecting to be sent another card since I already had a card good until XX/XX/2023. They said they would not reactivate the card, and left me unable to purchase food. I was not able to purchase gas. Due to work hours extended for work during pandemic I could not find time to reach the single branch located in my area during their hours of availability. Bills associated and linked to the card were not automatically paid. The bank removed all access to my money at great cost to me. After being a victim of consumer fraud from an illegitimate business advertising false products, the bank said I could not activate the card they had sent prior, and that yet another card would have to be sent. They said 3-5 days and it was 10 days before I received the card and in that time had no access to food or the things I needed until I could take time from work to reach the bank on their hours to get money until the card arrived. It is very simple, no bank should be allowed to shut off cards and access without directly contacting the client. If they don't do these actions for millionaires and treat them in such a way then they shouldn't be allowed to do it for everyone else either. it is discrimination, and it is wrongfully withholding access to an account without explanation or any accountability.
Consumer complaint received 2020-09-18
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-10
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. (NJ)

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, 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXT XXXX XXXX
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

An unauthorized transaction was made on XX/XX/XXXX for {$1500.00} on one of our debit cards even though the card has never been lost or stolen. Regions refused to refund the transaction that was within 60 days of reporting because there were similar fraudulent charges that dated back to XXXX. The fraudulent charge in question was an XXXX charge, which is the most common retailer that we normally use so we didnt notice someone had our debit information because there was never a point where the card was lost or stolen. Someone has been using our card info to make small $ XXXX purchases at random times, so we didnt notice until a large purchase was made. Regions refused to follow the Electronic Funds Transfer Act because the first fraudulent charge was made over 60 days ago even though we are only disputing the larger {$1500.00} charge made less than 60 days ago. Their reasoning makes no sense because someone could easily make a {$5.00} purchase using someone elses information, wait the 60 days, then make a {$5000.00} purchase. The Act is written per transaction for that very reason. Regions is breaking the law by not following it because we didnt notice small charges on our account from a retailer that we always use.
Consumer complaint received 2022-04-05
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My Mortgage was transferred to Nationstar Mortgage XXXX on XX/XX/XXXX. ( Loan # XXXX ) The information from XXXX to Nationstar seems to have been delinquent.. 

I have never had a lapse in homeowners insurance and have sent this to them on several occasions. 
Nationstar has repeatedly hung up on me and transferring me to several different people. 

On XX/XX/XXXX they provided an escrow review statement showing a negative {$4100.00} in the account and also proceeded to purchase XXXX XXXX XXXX in the amount of {$2800.00}. 

They raised my Mortgage payment from {$2400.00} to {$2900.00}. 

Since then I do not see any monies from the hazard insurance they purchased deposited back into the escrow account and they refuse to re-analyze my escrow to get my mortgage payment back to what it was. ( I believe when I request an escrow analysis they are to perform XXXX by law. I get hung up on the phone. 

Additionally I did request them to do this via their message center on XX/XX/XXXX and they just responded me to call them. 

XXXX ( XXXX # XXXX ) also bought XXXX XXXX on XX/XX/XXXX in the amount of {$2800.00} and XX/XX/XXXX for {$620.00}. 

I have always had insurance on my home. 

I paid XXXX {$820.00} on XX/XX/XXXX and {$920.00} on XX/XX/XXXX.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IN)

Contacted via phone only about a debt supposedly owed. I have never received any documentation or any owed money to the original company nor have had any service as described by the debt collector. 
I asked for detailed information and they can not provide any specific information other than it being a final bill. 

I contacted the company they say is the original creditor and they can not provide any specific details on what they say I owe money to them. 

The debt collector will continue to proceed even though they do not have any supporting documentation, nor have ever provided anything in writing to me.
Consumer complaint received 2021-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

Ive sent two letters to Midstste collection. One trying to verify the debt, and the other asking for method of verification. I havent received anything from them and its been about 90 days. I also added in the letter requesting to delete the misinformed info off my credit report immediately if verification such as a written signature isnt provided. Im trying to buy a house and my loan officer stated that this negative collection is brutally hurting my credit.
Consumer complaint received 2021-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

Out of nowhere this XXXX debts is added to my credit files from a collection company called Caine & Weiner. I tried calling them but they are stuck on their own beliefs without any proof of what a actually owe. Contacted them on XXXX, 2021, and again on XX/XX/2021 to no avail. I want this removed from my credit file ASAP.
Consumer complaint received 2020-05-05
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. (MN)

Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

Well I had opted out from receiving any offers yet I still see them there and these credit reporting agencies need to held accountable for breaching our personal information when its due to negligence which is ussaully the case. Giving us credit mornitoring isn't good enough for the damages that they cause us. I am seeing a lot of XXXX in my reports that I have no idea what they are. Experian breached my data and then they wan na charged me {$4.00} a month for credit monitoring, what kind of since does that make. All the credit reporting agencies have a conflict of interest because they all use the consumer credit report to make money and than on top of that their sharing our personal information.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-05
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. (GA)

This is the 3rd time I have filed a complaint and I never got a response back over inaccurate account appearing on my credit file. 
The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX   XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CO)

Remove these fraudulent accounts from my credit report immediately! I've been a victim of identity theft, and you're required by law to block them. Take action now block and notify the furnishers, or face legal consequences. Your prompt compliance is non-negotiable. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Late in the evening of XX/XX/2020 and into the early morning of XX/XX/2020, my computer was the subject of a brute force attack to gain access to my computer. Shortly before XXXX, they were successful in gaining access to my computer. They then proceeded to access my PayPal account and make two transactions in the amount of {$190.00} ( {$390.00} total ). I filed a fraud claim with PayPal which was quickly denied due to the transaction looking like a normal transaction. My typical transactions are almost always under {$100.00} and any that are over are made to major companies not individuals. On top of that the transaction was made using an address that was removed from my account a while ago. 

The transactions included an email for the " seller '' so I went ahead and emailed the address and got a response confirming that they had not initiated the transaction and had also reported it as fraud. Since then I have still been trying to get into contact with PayPal to try and get this resolved but have been unable to get a response from them in 3 days. 

I have saved the event log that details the attempts to brute force my computer ( It is apparently too large of a file to upload however ) and have the email thread of my conversation with the " seller ''.
Consumer complaint received 2021-09-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Today I received the loss mitigation package for a loan modification. 

There are several problems. The paperwork that was sent to me was a loan modification claiming my unpaid principal balance is {$190000.00}. This is incorrect. The outstanding principal balance on my last statement was {$170000.00} and the original loan amount was only {$190000.00}. In addition to the principal balance being incorrect, the loss mitigation itself is incorrect. I had not requested a loan modification. I have requested a deferment or VA partial claim to pay back the forbearance amount.
Consumer complaint received 2022-04-05
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: CAINE & WEINER COMPANY, INC. (OH)

The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.
Consumer complaint received 2021-04-26
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: Experian Information Solutions Inc. (GA)

I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY