davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

I called the company back in XXXX as well as XXXX but due to the pandemic I never got a hold of anyone XXXX I spoke with them as well as left on their voicemail that I was requesting a repayment or forbearance plan due to the COVID when I spoke with the manager ( XXXX XXXX ) finally he told me that cares act didnt apply to me because I was in tx and already late and to submit documents XXXX XXXX was contacted which I have recorded by voicemail multiple times when I called in I found out they were calling g my sons old number that didnt work and that number was never given to them we have had same number since they have had our loan in XXXX I received a letter from their attorney stating they had sent this to foreclosure. Every time I spoke with someone I ask for a work out plan or forbearance and they told me I didnt qualify once being told my loan was with XXXX XXXX but today was told that they didnt have to follow any kind of forbearance since it was in foreclosure already ( submitted after cares act went into place ) multiple phone calls, emails etc I had a hud Councelor call he was hung Ill on first time but because of him I finally got a reinstatement which included {$2500.00} In fees I just want a repayment plan I wanted a forbearance during all of this and now we can make payments but they never worked with us, I sent paperwork in and have proof and they say they didnt get it. I also spoke with XXXX today about the 40 pages On this website stating they are supposed to offer us some type of plan and she said I had to submit a document package but she could not guarantee anything this late and I would need most of the reinstatement because I didnt speak with them and I didnt turn in paperwork I also think it is strange how now theyre owned by an investment firm and it seems better for them to let out home forclose than work with us.
Consumer complaint received 2024-10-22
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. (GA)

In accordance with the fair credit reporting act, this creditor has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.
Consumer complaint received 2023-02-23
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and XXXX. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXX XXXXXXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-21
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. (NY)

There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

In accordance with fair credit reporting and XXXX  account # XXXXhas violated my rights.

15 u.s.c 1681 section 602 A. States I have the right privacy.

15 u.s.c 1681 section 604 A. Section 2 it also states a consumer reporting agency can not finish a account without my written instructions.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I pulled my credit and saw that my information are reported wrong in my credit profile from all XXXX bureaus. The issues are still going on and my credits are still affected. My student loans, personal information, some debts are wrong. My credit report and wrong information are stopping me from getting loans for my school. 

The attached files contained the letters that I sent to resolve the issues. The actions taken are that on XX/XX/XXXX, XXXX, XXXX, i sent certified mails to all credit bureaus and none of the issues have been revolved
Consumer complaint received 2024-10-15
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XXXX XX/XX/XXXX, Capital One 's investigation dept has opened and closed the same case 3 or 4 times to date. 
Recap : I had filed a dispute with a vender when I had not recieved merchenadise to long after ordering. 
The same day I made the claim, the merchandise came in mail. 
I contacted Capital One to ask them not to follow through with the claim. 
.... ( ... why would they complete a task? ) They didn't. 
I was contacted by the vendor that she wasn't paid. 
I paid the vendor personally throught XXXX Capital One reverses the credit for original dispute since they JUST couldn't verify anything. 
I provide the proof of payment. ( Screenshot nof XXXX transaction, emails between myself and XXXX XXXX ( vendor ) and my Capital One account is linked to XXXX if they ever wanted to really investigate ) On XX/XX/XXXX, they credited my account then on XXXX, they took funds back ... .again ... and sent me an email requesting the proof of above, for 3 or 4th time. 
I am done with this process and suspect I am being harassed at this point. 
I want the money back in my account and for this process to end. They are playing with my time and money. Why are they asking for same information over and over? I was told by one rep that the money was to come back in my account in One day and 9 hours last Saturday and by Monday, I was then told it was coming back into my account 1 day and 12 hours?? Then when I asked to speak to a supervisor, she then told me the money was already credited to my account. Last I saw was the money was reversed that am. 
Why any of this is happeneing is beyond me.
Consumer complaint received 2023-02-03
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. (GA)

I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is not mines and should be deleted. This is a fraud account. 

1. XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} Reported balance These Inquiries I didnt authorized. 

Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank  XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXXFinance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
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. (TX)

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Consumer complaint received 2020-06-30
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. (OK)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc. (NY)

Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I was the victim of a new Online Scam that resulted in a loss of {$25000.00}. I reported this to Chase but did not specifically ask them to reimburse me as I was not aware that was an option until I spoke with the Detective managing my case today. I did have a long conversation about it with the XXXX XXXX of my Chase branch the next day - who also told me that she had talked to 3 people the week before who had the same thing happen to them. 

The scam began when I got a popup on my computer and my computer was completely frozen. The popup had a XXXX banner that looked completely legit and stated that XXXX XXXX had detected malware on my computer and to call XXXX for assistance in getting the malware removed and my computer unlocked. After trying unsuccessfully to get around the popup on my computer I finally called the number. The phone was answered as XXXX does answer their calls and I was transferred to a XXXX XXXX '. He indicated that my phone might be hacked so he was going to call me back on a secure line. He called back from XXXX. He had me download XXXX software to allow him to see my screen. He then had me execute a couple of command window programs which ultimately indicated that my IP address had been used to download XXXX XXXX. He asked my to look at my Chase account and see if I saw any unauthorized transactions. I did not. He then said he was going to have Chase call me to try and see if there were unauthorized transactions and asked for the number from the back of my Debit Card. I received a call from that number and was told that he could see 3 transactions of {$6000.00} from my Checking Account and {$10000.00} and {$9000.00} from my Savings account from the website for the XXXX. He said he could not block the funds from being withdrawn from my accounts so what he wanted me to do is withdraw the cash from the accounts and buy XXXX. I personally withdrew {$6000.00} from my Checking Account and {$19000.00} from my XXXX account. I created a Bitcoin Account at a local kiosk, uploaded the cash and when that was completed I sent a picture of the Paper Wallet to the guy who represented himself as Chase XXXX. While I was doing this he was monitoring things on my phone using the XXXX app. He said that when everything had been repaired he would then restore the funds to my accounts. Of course that never happened as this was a scam. I am not easily duped in most cases, this was very professionally done all throughout the process.
Consumer complaint received 2024-10-14
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX A Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-30
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. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my credit card and was charged interest on a XXXX   balance. I have spoken with the company several times and the representatives keep explaining to me different reasons that they can not remove the fraudulent charge. Said that I need to have paid the balance in full twice in a row. Seems like unfair business practices and consumer trickery.
Consumer complaint received 2021-07-16
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.