davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is still reporting a collection to my three credit bureau reports that is INVALID. There was a mix-up with my social security number and somehow someone with the name XXXX XXXX ' defaulted account was associated with my social security number. I was never involved or in any way responsible for this debt. I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and have sent a letter to them requesting they remove this INVALID debt, yet they continue to report it. I have attached my identification documents to prove my name and social security number as well as the trade-line of the collection from my reports, and the letter I sent to XXXX XXXX XXXX XXXX XXXX XXXX. This has been adversely impacting my credit reports and my ability to get loans for years now and demand that this invalid debt get removed from my credit reports immediately
Consumer complaint received 2021-08-13
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. (AZ)

FRAUDULENT INQUIRE INFORMATION OM MY CREDIT REPORT I HAVE CONTACTED EQUIFAX AND JUST GOT A CONPUTER GENERATED RESPONCE I NEED THIS INVESTIGATED CORRECTLY AND REMOVED FROM MY FILE ASAP XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX ( AZ ) XXXX XXXX ( AZ ), XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX
Consumer complaint received 2021-08-13
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. (CA)

I have tried several times, since XX/XX/XXXX, to resolve the issue with Equifax. They have me labeled as being deceased through XXXX from XXXX. I provided that information back in XXXX and they took it off my report, then recently they put it back on my report. They did a dispute and at the same time I call XXXX and they sent out a letter stating that I was not deceased. On XX/XX/XXXX, Equifax sent me a letter stating, " The account is currently not reporting as deceased. The following fields have been modified : *additional information *stats *balance *type of loan. '' I'm trying to refi my house and can not due to being labeled as deceased. I've made multiple calls and all of them tell me it's going to take 30 days for the dispute. I've waited over 90 days to keep getting the same results. I talked to one agent who was actually helping me before I was sent to a survey and eventually disconnected. This is also hurting my credit score, at no fault of my own. It's obvious Equifax is not going or willing to help me resolve this issue so I can move on with my life. I need someone else to step in and resolve this for me as soon as possible. As a consumer, I am entitled to my credit score and allowed to authorize who I see fit to run that report, but Equifax is preventing me from doing that.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: ID Analytics, Inc. (AZ)

On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File.

I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. 

As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. 
As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account with the reason that I made the account when I was under XXXX year old. I actually made the account right on the day when I turned XXXX, thus I was able to sign up because one of the requirements for signing up was to enter my birthday and I entered it accurately. 

Because of this, my account is now restricted and I can not send or receive any fund. The only thing I can do is to withdraw my fund. 

However, there's another problem that I encounter which I believe PayPal is doing a very poor job in resolving. 

I made the mistake of entering only my first name and last name during the sign up process, instead of entering my first, middle, and last name. However, in my defense, PayPal only asked for my first and last name. 

My full name ( first, middle, and last name ) is required for me to be able to withdraw my fund to a bank account. I tried to change it three times, but they did not change it at all. I provided my ID, but, until today, my paypal account name is still the same. 

I tried contacting them through the email system but they do not provide any help. They only gave me automated responses. 

My PayPal account is under the email XXXX. Please help me. I worked so hard for the money there.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.
Consumer complaint received 2021-08-13
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. (LA)

I have informed this company years ago that my wallet was stolen and a credit card was opened with this company they informed me that the card was closed and they will inform all 3 credit bureaus but this account is reporting on my credit reports as a chard off account this is incorrect.
Consumer complaint received 2021-08-13
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-08-11
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all " Fraudulent '' request. I have not applied to any of these places.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2023-04-13
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. (TX)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (ME)

Credit Karma , Inc. refuses to update my legal name after over 60 days since XXXX  provessed my legal name change on XXXX XXXX. After requesting an account closure, Credit Karma , Inc. issued a check payable to my old name that can not be legally cashed to due to the name discrepancy. I have been unable to access {$10000.00} of tax return funds. Credit Karma support informed me that they could only write the check out to the name they have on file, which they refuse to update after I have submitted all related documents to prove the legality of my name change and repeatedly requested for investigation and clarification.

In my most recent communication with Credit Karma support, Credit Karma disregarded my most credit reports from XXXX  and XXXX dated XX/XX/2021 that I provided and insisted that I contact XXXX  to resolve the issue. From multiple calls with XXXX  and XXXX, both bureaus stated that my credit reports have reflected my new legal name for several months and that the problem is on Credit Karma 's side. However Credit Karma support continues to disagree with this assessment and again insists that I contact credit bureaus for resolution.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

Its about " Trip Cancellation / Interruption '' benefit that comes with Chase bank XXXX XXXX XXXX '' credit card. 
I filed a " Trip Cancellation / Interruption '' claim of {$1400.00} properly with the credit card benefit provider online at https : //www.eclaimsline.com ( As per Bank instruction ) on XX/XX/2022 and provided/uploaded all required documentations. Its been close to one year, my claim has not been processed yet ( Its been in " Pending '' status since XX/XX/2022 ). Starting from XX/XX/2022, I have been harassed by the benefit provider. I was asked to upload the same documents multiple times that I have already uploaded/emailed many times. 

Roughly every XXXX or XXXX months, someone from customer service sends me email asking for the documents which I have already shared. I tried contacting them over phone many times but they are never reachable. I tried emailing them many time but no response. 
Between XX/XX/2022 XXXX/XXXX/203, I received 8 emails from them every time they ask me a document that I have already sent many times in the past. .It seems like none from customer service check the documents that I uploaded online or emailed. Most recently they asked me about a different credit card number information which I have provided to them at least 3 times. 

I am feel harassed and trapped in their never ending process. I strongly feel, the card benefit provider is delaying my claim on purpose and they don't want to pay me the reimbursement.
Consumer complaint received 2022-02-22
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 (NC)

I purchased a XXXX XXXX  rollator and was charged the first of 5 easy pay, payments, which I received the product on or around XX/XX/XXXX, or XXXX XXXX and due to the product not having a seat on it, it was returned on XX/XX/XXXX. It was returned to XXXX and I charged the product to Capital One, and Capital One now refuses to give me my money back, they did a temporary credit and on XX/XX/XXXX, they said I haven't sent in all the requested documentation they keep asking for a cancellation policy, I asked them what cancellation policy, it wasn't a hotel room, I had a 30-day money back guarantee. and I had returned the item in the allotted time, I sent them the notice stating that there was a 30-day satisfaction money back guarantee. They are illegally withholding my refund and now they continue to send me letters that because they haven't received the proper requested documentation, that they have closed my dispute and will not be refunding me any money. If have any issues I am to follow up with the merchant directly, I am XXXX XXXX XXXX and I don't know who to contact and I sent them back everything that was in the box. How can they continue to withhold my refund, my money didn't go directly to XXXX, Capital One put the charge on my account and they have had every excuse from, the tracking is insufficient evidence to they need a copy of the cancellation policy. This is illegal to not giving me a refund and to prove the merchant got the product back, I have a charge of XXXX on my card for shipping. can somebody assist me in resolving this matter? I am attaching all documents including letters, one states they would like to help but I have no account with them.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have tried without success to get an erroneous hard inquiry removed from my credit report since XX/XX/2020. I have followed all of Experians directions ( they changed multiple times ) with no success. The Merchant XXXX XXXX XXXX stated they submitted a letter and changes through Experians portal multiple times. I contacted Experian many times since last year. A few months ago I was able to speak with a representative who actually attempted to assist. She called the Merchant and setup a conference. It was learned the letter that was sent by the Merchant had a XX/XX/2020 date and the Merchant needed to resend the letter with XX/XX/2020. I provided both letters as a reference. It was agreed during the call the Merchant will send the letter to my email and I would attempt to upload it on Experians portal. After more than twenty minutes and multiple browsers the file would not upload. The representative requested that I send the letter via postal mail and as soon as they receive it they would remove the item. I sent the letter certified XXXX tracking # XXXX XXXX and they still refused to acknowledge receipt. I issued a complaint with the XXXX  and Experience has yet to acknowledge the report. Yesterday I received an email from Experience however they provided no information regarding resolving the complaint. I then called them this morning ( XXXX ) and the representative stated they received my letter but did not receive the Merchants letter. I told her that is impossible because both letters were in the same envelope. At this point it is my belief Experian has no intention of resolving this issue. XXXX  corrected the error within two months and XXXX  after a XXXX  complaint. I also thought that paying for a Experian membership would assist in getting these errors corrected but it was a waste of six months of payments.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I dispute the following XXXX, XXXX false accounts multiple time and they confirm it as valid however they failed to provide me with the proof after multiple certified mail requests three times
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

In XX/XX/XXXX I called Lakeview Loan Care asking to remove insurance from my escrow account and provided via fax Evidence of Insurance paid by me. I received verbal confirmation that this is taken care of. Appears it was not. I received via mail Annual Escrow Account Statement dated XX/XX/XXXX. I called Lakeview to clarify the Escrow ( taxes & Insurance ) monthly monthly amount that in the statement listed {$270.00}. Appears that includes insurance that I a been paying for 2 years myself and Lakeview receives the EOI from insurance company. 
XXXX tax amount was {$1700.00} XXXX should be charged $ XXXX instead of {$270.00} XXXX. Principal and interest is fixed {$1100.00} Seems that overcharge is $ XXXX for no one was able to explain why and/or for what. 
Current monthly payment was XXXX. Eff XXXX Escrow on the Disclosure Statement {$300.00}, new monthly payment : {$1400.00}. XXXX taxes {$2400.00} XXXX $ XXXX XXXX, which seems overcharge is going to be {$100.00} The customer service is horrible after half an hour on hold I was told that the " request will be expedited ''. The person was so unqualified to answer any questions so after continuous request was transferred to another person to another 30+ min on hold. I was told they the Lakeview loan servicing haven't received request to remove Insurance and taxes in XXXX of XXXX. I can not make anyone to take notes or process the requests. If the CSR confirms that it is done- I continue to make payments for insurance and appears continue to be charged for it for almost 2 year. The CSR promised that the request has been submitted and there is no one to talk to in the Escrow Department. I requested to receive confirmation via e-mail that the request was submitted again- have not received anything of course. 

To my opinion Lakeview LoanCare is overcharging not only me : it could just one case, however I tend to think that it's a pattern. Customers, that choisen or were forced to have Escrow accounts know that property taxes and insurance every year increase and not having time or ability to figure out. However that id the financial institution can not add 3 columns I see it as a huge problem. The overcharge thousands a year without getting caught. When get caught " will expedite '' not been able to provide any figures how much overcharged and for what : property taxes or insurance, or both. 
Someone should look and audit Lakeview LoanCare activity. 

Regards, XXXX XXXX