davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
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. (GA)

My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.
Consumer complaint received 2020-10-11
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. (CA)

On the last week of XX/XX/2020 I called a XXXX XXXX and spoke to a representative and ask here that i need to skip XXXX payment for reason that my mother in law was infected with Covid 19 and needed a little time to make the payment. I do not remember her name but she said she would help me. So as soon as I was able to make both payments I did and as time went on I receive an email from Experian and it read that I received an negative mark on my credit report. I have tried multiple times calling XXXX XXXX to correct this mistake with no avail. All I asking for is XXXX XXXX to remove the negative remark on my credit report. 

Thank You.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account
Consumer complaint received 2017-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OK)

On XX/XX/XXXX I wired XXXX to Coinbase. Coinbase then failed to receive the funds properly due to a clerical error on my side. They reported they were wiring the funds back, but funds have yet to arrive and they will not answer emails and have no phone support line.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: SANTANDER HOLDINGS USA, INC. (MA)

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account # 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 2020-01-11
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. (AL)

I lived in the same house for 27 years and moved XX/XX/XXXX. I sent every creditor my change of address and logged it on an XXXX spreadsheet. XXXX XXXX was sent my change of address on XX/XX/XXXX. Mine and my husband 's credit scores were always within a few points of each other, around XXXX. His is XXXX right now. I had a XXXX XXXX Credit Card that I rarely used. In XXXX of XXXX I made a purchase of approximately {$40.00} on my XXXX XXXX. Apparently, they sent the bill to the old address in XXXX of XXXX, 16 months after I had moved from there. I had not charged anything during that time, so no bills were sent except this one for {$40.00}. The time limit had expired at the post office for forwarding mail, so it was returned to the sender, XXXX XXXX. No one ever called me, or emailed me. They had the phone number and email which had not changed. I was totally unaware they had sent a bill. In XXXX of XXXX, my credit was lowered on a couple of my other credit cards with a note saying to check my credit bureau for information on my account. I got a credit report and saw this blemish on my XXXX account and called them to inquire. They immediately patched me to Collections. I told her I was unaware and she practically called me a liar and was very rude. I had never been spoken to in this manner by anyone before. I paid the balance with interest and late charges added and had a {$0.00} balance when I called in XX/XX/XXXX. They kept reporting it as unpaid and in collections all the way to XXXX of XXXX, even after several calls to them. I have always paid my bills on time. When I checked my credit score it had fallen from around XXXX to XXXX. I explained that I had sent them the change of address card and had not charged anything in over a year, so had not received any bills. She was even more rude and even elevated her voice. She said they would not notify the credit bureau and the report was to remain. I have filed complaints with Equifax and they won't change it. I have another XXXX years before it is cleared. My score is up to XXXX, but it should be over XXXX and would be without this mark on my report. The way I look at it is : 1.  XXXX XXXX received the change of address card and did not process it, so it was their fault that they sent my bill to the wrong address. 2. If they looked at my record, they could clearly see my nearly perfect record, and something was not right. 3. They could have called or emailed me, but chose not to, even though I had an excellent payment history and had the card for 7 years. 4. I also sent a statement about this to Equifax to put on my credit report, but I have never seen it on there. I just want this blemish off my credit because I did nothing wrong.
Consumer complaint received 2021-05-19
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. (CA)

Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-12
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

In XX/XX/XXXX I called because I was experiencing a financial hardship and I was told I was put onto a 12 month hardship program with automatic payments. In XX/XX/XXXX I received a call saying there was an issue with the program and it never actually set up but they were taking the automatic payments anyway. I fought with them because of the late fees and interest and they weren't fixing it. I went to the XXXX   XXXX  XXXX and they finally got it fixed. I then received a call in XXXX of XXXX saying that they fixed my account and I was put onto the program " correctly '' this time and all was good. On XX/XX/XXXX I received a call saying that I missed XXXX 's payment and when I asked how if you're taking it automatically they told me the payments are never set up. I fought with them and then asked for a supervisor, waited a half hour to finally get one who then told me that I was talking to the wrong department and transferred me. Then I finally get somebody in the " correct '' department who kept repeating the same line over and kept interrupting me while I was trying to talk then mumbled something and hung up on me. When I called back somebody picked up, mumbled something then hung up. I had to call back AGAIN and finally got somebody, who again kept interrupting me and finally got me to their supervisor. It took a full hour to have this resolved and a lot of anger when this should have been done correctly in XXXX then again in XXXX.
Consumer complaint received 2020-10-11
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. (IL)

have two XXXX XXXX  accounts still on credit report showing closed i requested those two accounts be removed and block i sent n wrong police report credit so im uploading the report with the officer name
Consumer complaint received 2020-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX has been requested to provide the following : 1 ) An accounting of the funds paid to them at payoff of the XXXX. The payoff occurred on or about XX/XX/XXXX. 

2 ) Escrow disclosure statements for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

3 ) Form XXXX for the past 4 years, XXXX, XXXX, XXXX, XXXX and XXXX. 

4 ) A complete loan history summary from XXXX to current indicating all charges and payments on the account and indicating the date of the charge, complete description of the nature of the charge and month applicable, etc. 
and 5 ) Provide the date of the payoff of the loan and indicate how the amount was calculated.
Consumer complaint received 2017-09-11
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. (IL)

Equifax mishandled my information which has led to a breach that puts myself at potential risk of credit fraud and identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for one month after the breach was detected. I received no email, letter, or phone call and instead discovered the breach via social media.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (FL)

This. company Paragon Revenue Group appears on my credit report for {$150.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2020-01-11
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I have requested do to the consumer privacy statement and the privacy act of 1974 to remove the illegal transaction history off my consumer report as the only information they have a right to report is everyday business purposes information about your transaction and experiences to affiliates not transaction history. I have a right to opt out of information of creditworthiness. Also according to the IRS publication 4681 a charged off account is a certificate of indebtness and is consider income. Income can not be reported on a consumer report.
Consumer complaint received 2017-09-11
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. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I did n't even know that equifax had my information until I checked using their website.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. Especially when customers ca n't easily tell which credit monitoring companies have your information.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-01-12
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (CT)

I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.
Consumer complaint received 2024-01-12
Product: Credit reporting 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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-01
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. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2015-10-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My mortgage lender, Carrington Mortgage Services ( CMS ), has improperly reported to credit reporting agencies that my account is in forbearance, which is absolutely false. I have made every payment in full, and on time, and I have never requested a forbearance. The forbearance prevents me from refinancing my mortgage with another lender. When I informed CMS, they stated that this was an error, and they would correct it, but they refused to provide me with any documentation stating this was reported in error to the credit bureaus. They stated it would take at least 30 days for something in writing to be provided to me, thus preventing me from refinancing my home and saving approx $ 300-400/month. 
Additionally, CMS customer service informed me that there were many other customers with the same problem. It then occurs to me that this is a financial tactic by CMS to prevent customers from refinancing their homes. In my case, I purchased a very underpriced home, with CMS as my lender, with a no closing cost product. Now 6 months later, Federal lending guidelines permit me to refinance, and it is very advantageous for me to do so. I would eliminate PMI, and interest rates are easily 1.5 % lower now, than my initial rate. CMS would lose money on this deal, and it is my assertion, that they are deliberately reporting false information to the credit agencies in order to prevent me from refinancing, so they will not lose money.