davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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. (MA)

This is a formal complaint that XXXX, XXXX, and Equifax are reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needed to be re-investigated. 

The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report
Consumer complaint received 2022-08-24
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. (IL)

Ive filed police report, multiple letters and calls, and filed with XXXX XXXX XXXX and FTC about this matter to remove this account from my report and the collection agency is also commuting fraud and violations as to updating account showing payments were made this year in fact defaming my character account by XXXX XXXX XXXX IN XXXX
Consumer complaint received 2023-09-20
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. (IL)

Ive just recieved my credit reporting and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX, XXXX, XXXX, XXXX, XXXX, as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2022-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

On XX/XX/2020 I made a purchase for XXXX and was debited three times for the same purchase. The first two transactions showed an error that it could not be completed and advised me to try again. The second attempt was the same result. The third attempt was successful and processed. But upon looking at the online statement I discovered that I was charged for the first two unsuccessful  transactions. I immediately sent them a certified letter disputing the charges and also faxed a letter of dispute to them. I waited 10 days to see if a provisional credit would be applied, at which point it was not, so I called and waited the 8 hours on hold to speak with someone. They informed me that they had to process the complaint for me and send out a form for me to fill out. Which is a lie. I did everything I was supposed to do to notify them, even being proactive  and sending in the proof first. So it was 20 days before I received the credit to the account. Seven business days later and the credit was reversed on my account with no notice given and to this day notice has still not been sent to me. Rules set by Regulation E 1005.11 ( d ) were not followed at all. And two months later I still can not get an answer to the investigation. This company needs to be investigated and I do not understand as to why they have not been. There are NUMEROUS accounts that I have found online just like mine, yet they are allowed to do what they want with our money when we are FORCED to use them.
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Not sure what you can do, but this is what has happened. Peoples United Bank, XXXX has changed their online banking format. They have made it very difficult to find a transaction. What they have done is put a single column for both " DEPOSITS '' & " WITHDRAWALS ''. Now you have to scroll to find a small " minus " before each withdrawal transaction. There is nothing to tell you if it is a " DEPOSIT ''!! You have to look over to see what the check was and try and figure if it is a Deposit or Withdrawal!!! I have sent them 2 messages requesting that they give us the option of keeping the old format or choosing the new format. They said " that is not an option ''. I have never seen a system where Deposit 's & Withdrawals are lumped into the same column. Do you know how confusing this is going to be? This is not standard banking practices. If you want to add up all your " Deposits '' you have to scroll through EVERY transaction instead of just looking at the " DEPOSIT " column. This is very time consuming and you are going to miss some deposits as they are lumped with the withdrawals.
Consumer complaint received 2023-09-18
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

On XXXX I went into a chase branch to get money out the atm and was not able to. Its XXXX and chase tells me I have a legal hold but cant tell me anything else like who is the entity that has the hold. They tell me to call back. They dont know how long its going to take. All my account are on hold with XXXX balance.
Consumer complaint received 2020-10-07
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: Specialized Loan Servicing Holdings LLC (CA)

I had a forbearance agreement with my former mortgage company, Specialized Loan Servicing , LLC, for the months of XXXX, XXXX and XXXX of 2020 with an expiration date of XX/XX/2020. The loan was paid off on XX/XX/2020 and therefore it was not a late payment. Yet, Specialized Loan Servicing, LLC informed XXXX  that the payment was late when they know that it was not. This has adversely affect mine and my wife 's credit because of their error.
Consumer complaint received 2023-07-10
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. (WI)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - Bankruptcy XXXX  XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2020-10-07
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)

Hi, My name is XXXX XXXX. 

I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (SC)

I received the initial preapproval letter from PenFed Credit union on XX/XX/XXXX, XXXX.The loan is for a 30 year fixed loan. The expected close date of XX/XX/2020 was listed on the preapproval. On XX/XX/2020 I was allowed to do a 60 day lock. I have tried contacting the Loan Officer and the Loan Processor by phone and email. The loan processor have not called or emailed me back. I emailed both of them in the same email on Tuesday XX/XX/2020 letting them know I would be filing a complaint if I did not here from them today ( Wednesday XX/XX/XXXX by XXXX ). The Loan Officer emailed me back and stated he was busy catching up from weekend and he would reaching out to processor to provide an update. No update received. I've called the bank on a few occurs asking for assistance with no help received. I don't know where I'm at in the process and no one is telling me. They have not requested any information to support the pre-approval. If the close day is not going to happen on XX/XX/2020 the seller and the law office needs that information and I can't get it.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

My Mortgage Company, Option One, transferred to American Home Mortgage, Transferred to Ocwen Servicing, transferred to PHH and now informed transferred to XXXX. There has been many discrepancies in the amount I owe and on my statements and when I requested a break down my mortgage always transfer to another servicer ... This has been an on going problem since I secured a mortgage loan with Option One in XXXX to purchase my home at XXXX XXXX XXXX, XXXX, NJ XXXX. I have been experiencing hardship after my Father passing and having to quarantine. My mother is very ill and had explain this to Ocwen when I fell behind in my payments and OCWEN offered me a loan modification. In the process of making corrections to my loan modification, my loan was transferred to PHH.

I was informed by PHH there was no record and they needed to research which continue to delay correction to my balance. As a result of this delay I had to I could not sell my house in XX/XX/XXXX. I have been commuting to care for my mother a foreclosure was started. Unfortunately due to COVID-19 I have had to quarantine.

I have been trying to resolve this myself and can not afford an attorney. 
On XX/XX/XXXX, I arrived back home from WV and PHH had sent someone to change the locks on my doors and had winterized my house! I had to call a lock smith to change my locks and Dewinterize my home. This cost me over {$900.00} to change my locks and De-Wnterized my house. During these hard times and pandemic PHH should not have enter my home. I am terrorize and fear someone can enter my home because I am commuting to care for my Mother and may be away from my home for serveral days.

I had already informed the mortgage company since the death of my father and my mother illness in XXXX the reason I wanted to sell my house. I was told not to worry. Instead I was served with foreclosure papers from XXXX C/O PHH Mortgage Services. It has been a nightmare
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (TN)

I have requested a copy of my annual free report on multiple times and XXXX XXXX has failed to comply. I sent a notarized request at the beginning of XXXX to which they responded by mail stating they needed a copy of my utility bill and state Id. I faxed over that information the utility bill had previous and current address on it and they sent me another letter stating to give them a call. I did and verified name, birthday, social security number and address again. The customer service rep stated they got my fax but it didn't have my current address on it. I asked to speak to a supervisor and spoke to XXXX who didn't even seem to understand my call. At first he said he did not have the information that I just requested and then after pushing the conversation he said my ID was not legible. The inconsistent information that I have received is unprofessional and irresponsible. I have sent as stated above more than enough information to validate my identity. There continued failure and violations of my rights is unacceptable and may lead to other legal avenues if not resolved immediately.
Consumer complaint received 2019-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (DE)

For the last 7 days ( approximately ), XXXX XXXX calls over 15 times each day to contact " XXXX XXXX, '' starting around XXXX, with an automated message. XXXX XXXX does not live here and we do not know any such person. I responded to the automated calls to report that this is the wrong number. They continued. 
Then I received a voice mail from " XXXX XXXX '' with a phone number and extension. I contacted XXXX XXXX at XXXX, and told her they had the wrong number. I continued to get the automated calls. I called XXXX XXXX back and she said there is nothing she can do if there are multiple accounts for this person. She was very evasive with any other information as to how to stop the calls. I informed her that I was going to file a complaint. 

Thank you for your help.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Capital One credit card account opened in XXXX. Account closed in XXXX. They show one payment 30 days late. I disputed because it was set up on auto pay, I have no record nor does my bank of a 30-day late payment. Their records are likely correct. If their records are correct, it is 1 late payment in 7 years. The late payment occurred in XXXX according to their records. Could this possibly be removed? My payment history is stellar other than this one occurrence.
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TN)

I talked to XXXX  about the Lexis Nexis reporting that they removed the bankruptcy from my record. XXXX  admitted that Lexis Nexis removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent Lexis Nexis to the Bankruptcy Court to verify. Lexis Nexis did not go verify as claimed by XXXX. Yet, XXXX, XXXX and XXXX still is displaying a bankruptcy.

In addition, my file is locked with Lexis Nexis and they lawfully can not report anything about me. XXXX has retaliated and started  removing aged good credit history from my report. XXXX XXXX said that XXXX disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid.

I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

XX/XX/XXXX my equifax score dropped 95 points for no reason at all there no trace as of why on XXXX  XXXX  an theres 2 bills owed that forsure wasn't me because I had health insurance threw the state at the time an all my stuff was paid for an this false accusations are affecting my report
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: One Source Technology (DE)

They keep putting stuff on my background report that goes pass the expected time needed in order for me to obtain a job.For example my job only goes 7 years back on a background check but they put stuff on there from 15 years and 13 and 11 years back that is negative and purposely trying to hender me from receiving employment. Im ready to sue them for discrimination damages and violating my cares act rights. Its totally damaging to a persons future and its unfair to a person that has changed their life around and they bring up things not even needed.