davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MO)

Hello. Im sorry, due to my XXXX I am confused. My XXXX, XXXX mother ( XXXX XXXX XXXX ) and myself ( XXXX & XXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. Home Depot has denied the fraud claims. What a nightmare. We did not open any Home Depot Cards at all. We have not BEEN to Home Depot, if they checked their cameras they would NOT see us. We did not give anyone authorization to use our information to open a Home Depot card. I am receiving correspondence from Home Depot for XXXX XXXX AND XXXX XXXX. Home Depot states they need the complete Police Report to dispute the denial of the fraud claims. Report is NOT complete. The contractors that worked on my house ( the suspects that stole cards from our wallets and opened other accounts ) were to be paid through a Home Equity Line of Credit, but they stole that as well. They were never authorized to open a Home Depot card. They are pros at fraud ( look at their police records ). They make it look like these purchases were for materials for my house but I promise you they were NOT. And even if they were, the suspects opened the card fraudulently. 
Thank you XXXX XXXX
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 2020-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (AP)

I I received a hard copy letter in the mail in XXXX of 2019 asking if I had received a check for the interest that I was over charged. I immediately called the number and explained that i had not recieved any check. Their representative told me that they would cancel that check number and reissue another check. I called for a TOTAL of three additional times after waiting for about 3-4 weeks and then asked to speak to a manager of one of the phone representatives.. I talked to a XXXX XXXX XXXX and explained my situation. I told him that I found it very difficult to understand that a XXXX dollar company could not sending a tracking receipt on the envelope. He told me that he was going to look into it as well. I then CALLED him from XXXX and he reassured me it was going to be done.I emailed him AGAIN last week and I haven't heard anything. I would say this would be acceptable if Covid was a factor with these delays. However, this started in XXXX of 2019. IF I was late on their loan payments that would be affecting my credit rating. how is this acceptable?? How can this company get away with this deplorable customer service. Nobody has been in contact with me with even a simple email in the last three weeks.
Consumer complaint received 2024-11-04
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. (HI)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XXXX XXXX, XXXX I contacted Capital One Bank to dispute three ( 3 ) charges made by me to 3 separate airlines. These charges where all made in XXXX. All the flights purchased were cancelled by the airlines, entitling me to a refund. I contacted all 3 airlines, and was meet with no response from any as to when I could receive a refund. Disputed amounts were : XXXX XXXX, {$140.00} ; XXXX XXXX, {$810.00} ; XXXX XXXX {$530.00}. All amounts shown are USD. 
On my phone call to register the XXXX disputes I supplied copious information to allow CapOne to proceed with a dispute resolution. I was told I would receive a written confirmation of these disputes within 30 days. I received nothing at all from them, neither in writing in the mail, nor an email confirming my dispute. On XXXX XXXX, XXXX I again called to CapOne to follow up. I was informed that a provisional credit in the amount of {$140.00} had been posted to my account on xxx, but I was sent any documentation. I was further told the other two disputes were 'overlooked '. I was told these would now be 'expedited ', but it was impossible to tell how long this would take. I received finally a dispute information request on XXXX XXXX via USPS. I have never received anything regarding the 2 other disputes, nor have I received a credit for either. 
Capital One is required to confirm disputes in writing with 30 days, and to resolve these disputes within 2 billing cycles. I have made every good faith effort to assist in this matter, but I am rebuffed by Capital One customer service.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was never late and on time paid in full and after they closed the account and that was what was reported to the bureaus which dinged my credit. I asked for a letter to say it was in good standing and was pd off and to let the bureaus know which they said they dont do that they just state the account is closed. Which does not state that when you open an account with them. I wanted reported paid in full and in good standing which it does not stated that with them all making it seem like they closed the account because I wasnt making payments.
Consumer complaint received 2020-08-30
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. (NH)

I have a online account with equifax ( equifax owns XXXX XXXX XXXX so I can dispute that information on my credit report with them, without having to contact them via phone. I have been trying to get information removed off my credit report for over a year and they either delete it and put it back on, without proving information of where they are getting the source of the information and or they say the delete it and never actually delete it. They continue to lie to me all the time, They have an address of XXXX XXXX XXXX XXXX NH XXXX on my credit report. This address doesnt even exist. I have disputed this many times. XXXX XX/XX/2020 I disputed it again. As of XXXX in the morning of XX/XX/XXXX they said the dispute results have been completed. it states XXXX XXXX XXXX XXXX NH XXXX has been deleted XX/XX/2020 I logged in on my account with equifax and the XXXX XXXX XXXX XXXX NH XXXX has not been deleted. I took screen shots yesterday and today with the date of each time I logged in is at the top. I did another dispute again today because its a fraud address and doesnt exist. I drove to the beginning of XXXX XXXX and documented on video that XXXX XXXX XXXX doesnt exist. The st starts with XXXX XXXX XXXX. 

Where is equifax getting this information from there dispute when XXXX XXXX XXXX XXXX NH XXXX doesnt exist. Why are they keeping fraud on my account and lying to me? 

Attached is a multiple screen shots of my equifax account from yesterday XX/XX/XXXX and today the XXXX that proves they wont delete it when it doesnt exist. Attached is the results that say its been deleted but its not. 

XXXX video link below that proves XXXX XXXX XXXX XXXX NH XXXX doesnt exist https : XXXX XXXX attachments, attached to this complaint
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (AR)

I apply for a small business loan through the SBA of {$19000.00} and got approve and the money went to my personal account on the XX/XX/XXXX instead of my business account that was a error on my end for submitting the wrong account number so the money went to my personal account and I got a call from XXXX from XXXX stating she was gon na send the money back to SBA so I contacted SBA letting know I gave them the wrong account number and they said once they got the money back from XXXX XX/XX/XXXX they would put my application in the revise status and make the corrections however my money has still been sitting at XXXX because XXXX decided that she want to report to the fraud department, Secrect service, the police, and Gods know who else like I am a criminal and have commented fraud because she assumed just because I don't have a business account with that bank I don't have a business, she assumed wrong and took matter into her own hands as if the XXXX XX/XX/XXXX gave me a loan.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had opened a credit card with bank Of America back in 2017. I fell behind in which I was completely OK with repaying my debt I received a Court order about garnishments Which for one was confusing enough but I knew I owed the amount. My wages started to get held so I decided to get a loan to pay this off and so my other bills would not fall behind. The total debt was less then XXXX. No one wanted to help explain what was going on or communicate even though I told them my electric was getting shut off and all my other bills were falling behind. They held XXXX dollars from me. I would have to call and they would tell me they cant speak to me or give me a different number to call. All the while I had a sick child I couldnt feed and my electric ( which I work from home ) was getting g shut off. This whole process was brutal all because of greed. I cant even describe what this has done to me. And reality is, it was all for no reason.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I tried to update and correct information on my Credit Report through Experian, XXXX XXXX, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact Experian by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX  but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Consumer complaint received 2022-09-20
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under CREDITORS BUREAU ASSOCIATIONS and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence. I have requested for this is account to be removed since this can not be validated. I do not believe this account belongs to me nor do i believe that the creditor has autorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus.
Consumer complaint received 2022-07-22
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. (AZ)

A Small Business Loan for {$32000.00}, was taken out for a LLC entity, under the Entity 's EIN. The Lender, XXXX, included my personal information, and residential address without my consent. And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions.
Consumer complaint received 2022-02-16
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. (MI)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX XXXX Balance {$700.00}
Consumer complaint received 2022-07-20
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. (PA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DPT ED/XXXX  XXXX Balance : {$210000.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (TX)

I am trying to get a payoff so I can refinance. Axos Bank says they have 7 days to respond, well this is work days and if there is a banking holiday that adds time so I am now 11 days/ 8 bank days into this process and don't have a payoff. I did get a half hearted call to see if I wanted to refinance with them. Today it supposedly escalated and assured i would get the payoff today since a supervisor was working on it but nothing. I do this for work all the time with banks and other mortgage companies and only have to wait hours not days!. Help Axos holds us hostage when we try and refinance with others!! 
Initiated Payoff Message on XXXX as their instructions state, system does not even acknowledge message received or response will come. 
Called XX/XX/12 to see if they were working on my payoff, was told yes we see your message but they have 7 days, so he says you won't get it until the 7th day so not up to 7 days, they don't do anything until 7 days Day 6 ( really day 10 ) I get the call to see if I want to refinance.

Day 7 nothing Day 8 I call person says sorry, talked to supervisor and assured me they would send payoff today! NOTHING!
Consumer complaint received 2022-09-20
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. (IN)

Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2021-01-21
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 have attempted to contacted XXXX and Equifax on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , XXXX and Equifax I am overwhelmed and do not know what else to do.