davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I submitted a complaint over 30 days ago and have yet to receive a response which is a clear violation of the FCRA. I am filing a complaint with the CFPB because I feel I am not being taken seriously. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2023-03-02
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. (PA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-10-14
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Blocking Fraudulent Information under FCRA 605B I am writing to formally request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block the information on my credit report that has resulted from identity theft and fraud. This request is made within 4 business days of receiving this complaint.

The fraudulent information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$380.00} These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report that shows these fraudulent entries.

I do not recognize any of the accounts, collections, or hard inquiries listed above. They were neither opened nor authorized by me and are a direct result of identity theft and fraud. 

For your reference, I have also included a copy of FTC Identity Theft Criminal Complaint # XXXX, which serves as proof that these accounts, collections, and inquiries are due to identity theft. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, XXXX " has violate 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

So now not only I had {$1300.00} that was promised to me for 3 weeks ( combined amounts of {$680.00} and {$610.00} from XX/XX/XXXX and XXXX ) that was cancelled out at the last possible minute and only days before XXXX no less, but on XX/XX/XXXX an agent determined I was owed {$1100.00} in credits from returns I had made to merchants, permanent credits, and disputes found in my favor. She put in a request for a balance refund check in that amount and it was CANCELLED. This phone call was monitored and recorded on XX/XX/XXXX at XXXX. I will now be suing Discover for {$2400.00}. A response from the company will not be necessary.
Consumer complaint received 2023-07-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX XXXX XXXX  XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Ive had 31 accounts with Affirm with an excellent pay history. Ive had 2 related XXXX  bouts then XXXX  Can Dr so requested help from Affirm but theyve made it very hard..Initially, my issues to get assistance with payments so the supervisors sent the form. The supervisors knew my completion of the financial hardship form. I tried numerous times to complete the form and it continues to loop back to completing for over a period of 2 hours. Finally, I got frustrated like Affirm wanted me to, I stopped trying. I made my payment to where they werent 30 days late but not on the exact due date. Affirm actually wanted me to be 30 days to demand the full amount of purchase. Affirm is very conniving company even with a customer and review the customer payment history, they want them to fail. What is wrong with this picture? All current customers and new customers, coNtact your Cunsumer Financial Protection Bureau because this happening too much from the complaints Ive reviewed. In effort to make my payments there was a payment on XX/XX/XXXX and XX/XX/XXXX but made 2 duplicate payments. I realize I made 2 duplicate payments, I called Affirm to get retract the duplicate payments that had been processed through my account. Although my financial institution shows payment posted and over drawn the account, they told it wouldnt show processed for XXXX - 5 days then they would retract the duplicate payments. I called my financial institution which told me to contact Affirm again. Due to all the inaccurate information given from their outsourced representatives, I called and tried to call my financial institution with them on the phone and XXXX hung up. Therefore I had to call back with my financial institution on the where XXXX told them it would be retract once the payments completely processed. I received N email from Affirm stating if I leave the payments it would take care of everything so I tried to responded to the email but would not go through on purpose. They delaying retracting the payment after the actual due date to find the grey area to justify keeping both payments. Since my experience with all the inaccurate information I called back. I spoke a very condescending representative that told if I would read the email it says if they cant retract the payment.if I wasnt paying attention to the language in their email and call back, it would be their justification to not retract it. Due my financial institution listening it would be different. It would be their justification not to retract the payment. Since Affirm is questionable actions, my financial institution provided provisional refund because it overdrawn the account. They are waiting to receive the refund/retraction of {$160.00} in 3-5 days quoted to us to reconcile the account. I really feel they will try several tactics and do not care how it affects me.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of fraudulent charge-off and unauthorized collection accounts on my credit report, which have appeared without my knowledge or authorization. After reviewing my credit report, I discovered these accounts that I believe to be the result of identity theft or other fraudulent activities. I am providing detailed information below to aid in your investigation. 
Account Information : XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
I have no knowledge of the accounts mentioned above, and I did not authorize any transactions or credit agreements associated with them. It appears that my personal information has been compromised, leading to the creation of these unauthorized accounts. I have taken immediate steps to report this identity theft to the appropriate authorities. 
I kindly request that you conduct a thorough investigation into the origin and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I am aware that the FCRA requires credit bureaus to investigate disputes within 30 days of receiving a consumer dispute, and I urge you to adhere to this timeline. 
If your investigation reveals that these accounts are indeed the result of fraudulent activity, I request that you promptly remove them from my credit report to mitigate any negative impact on my credit standing. Additionally, please provide me with an updated and accurate credit report reflecting the removal of these unauthorized accounts.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

InXX/XX/XXXX I found out that chase bank paid taxes on my property there was XXXX past due. The reason for that I have had XX/XX/XXXX3 times missed work and was off on XXXX. My house payment had been made every month. My house payment was XXXX dollars They not only pans the XXXX past due they also paid XXXXfor the following year. My house pay went up to XXXX a month. I have not been able to get a list of charges. I paid a lot of money trying to get out of that higher house payment. I have a account at chase bank the only thing I use it for is my house payment. I have a retirement check that goes in there once a month for XXXX dollars. Its been a nightmare dealing with these guys. They would take the money I put in there and put it on the escrow money owed with out paying the My hour payment. There was a mix up with my XX/XX/XXXXmoney it did get put into the account for a few months. I went to mediation chase wouldnt remove any of the charges they also raised the amount owed on my house. They didnt have any information on the charges. All of this has cost me a lot of money. This was covid related I ask him about why he had pay those taxes. He said to protect his interests. There is at least XXXX in equity. I believe his interests were just fine. I believe it was totally wrong what they did they have put a lot of pressure on me and Im still under a XX/XX/XXXX for XX/XX/XXXX. I would like them to refund some of my money. I know chase back received billions from covid relief that was tax payer money it wouldnt have cost them nothing to let it ride for a few months until I catch up.
Consumer complaint received 2021-10-29
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: LEXISNEXIS (TX)

I placed a previous complaint no. XXXX. 

A company called XXXX XXXX ( aka XXXX XXXX, among many other names they go by ) gave an online loan to an individual who had stolen my personal information. XXXX XXXX failed to verify identity, and failed to verify the name on the bank account in which they deposited the funds. Although XXXX XXXX finally stopped harassing me to pay the loan, they failed to get the fraudulent information corrected on at least one credit report. 

Although I contacted the 3 major credit bureaus, I was not aware that XXXX XXXX also placed an inquiry with LexisNexus ( using the name " XXXX XXXX ''. ) XXXX XXXX has been extremely uncooperative and has refused to tell me of any other credit bureaus they may have used. 

I want XXXX XXXX to remove the fake inquiry from my LexisNexus report, and I want XXXX XXXX to be required to inform me of any other credit bureau to which they have given my information. I have contacted LexisNexus, but without a response.
Consumer complaint received 2021-01-19
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: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I purchased 6 tickets from XXXX XXXX XXXX XXXX on my American Express XXXX card. The flights were subsequently cancelled. Per law when goods or services are not delivered as contracted, and an acceptable alternative is not offered, the consumer is due a refund of the monies paid for said service. As that was the case in this circumstance, I contacted the airline to attempt to get a refund. After many months of fruitless attempts, I felt I had no choice but to dispute the charges with American Express. 
The merchant replied to American Express that they will be issuing a voucher for future use. As I am due a refund by law, I was not willing to accept this. If I purchase an item or service, and it is not delivered, I deserve a refund, not a future credit for a service that at the time was not being offered ( XXXX XXXX  Was not operating flights at the time ). Nevertheless American Express insisted on taking the merchants ' side. Their chat reps explicitly advised me that they have different sets of rules for large XXXX dollar corporations and small businesses. And while I would have won the dispute against a small business, American Express was allowing large corporations to change the terms of the sale post facto. 
With no further recourse, I relented and contacted the merchant for future credit. After months of back and forth with the merchant, the merchant thoroughly investigated their books, and claims they never received the disputed funds back from American Express, and therefore is unable to provide the future credit. 
On XX/XX/XXXX after exhausting all options with the merchant, I finally went ahead and reopened the dispute with American Express, however to my dismay, American Express refused to reopen the dispute, claiming that the funds were returned. However if that is in fact true, why not reopen the dispute? It is a clear case of goods or services not being delivered as contracted. I did not receive the service purchased, not the future travel credit. Shouldnt XXXX be able to recover my funds? I must therefore conclude that American Express is indeed holding the funds unlawfully, or is otherwise complicit in this fraud.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I requested the documents used determine that an account XXXX XXXX XXXX XXXX XXXX XXXX on my credit report was valid when I challenged this debt and provided documentation to validate my claim. The bureau failed to provide me the documents used as a part of the investigation.
Consumer complaint received 2021-01-19
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: HYUNDAI CAPITAL AMERICA (NJ)

I XXXX XXXX received my XXXX report, and I noticed an organization that is listed Kia Motors I have entered a consumer credit transaction with Kia Motor finance charges. A consumer credit transaction is a transaction in which a finance charges was involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance s charges is the sum of all charges I was not expecting to see a charge off on my report. 15usc 1692 ( b )
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

bank of america has blocked the access to my online banking on XX/XX/2020 and they said that someone has used my card without my authorization I thn checked my credit report Since my online banking was blocked and I found a unuauthorized charge I have then sent a credit card unauthorized charges dispute letter to the XXXX office email adresses found on XXXX advocacy and a certified mail letter with return receipt to their credit card mailing adress I can provide the proof if needed They have ignored the credit card dispute for unauthorized charges and they still continued to request the payment of the fraudolent charges and using robo calls They insisted to talk over the phone but they ignored the emails I want to ease their mind once again and explaine them what internet banking means, internet means internet and not a voice phone line somwone answered by email only to request to talk over the phone, again they need a corporate psychologist then she ignored my email answers and she never answered again by email, but they insisted to contact my phone number with the bank of america robocalls now my credit report is showing a delinquent account when it's not
Consumer complaint received 2022-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MI)

Through the CARES act, I requested a refund of student loan payments made during the Covid-19 pandemic. I made my original request in XXXX of 2022. My servicer was XXXX and was transferred to Aidvantage. I have called several times to get status updates and have received contrasting information each time. My last contact with aidvantage Informed me that my request was not yet moving forward because of a lack of information from XXXX and was told that it would take several months ( from XX/XX/XXXX ) to receive a refund. I have no way of knowing if my request is actually happening and when I might receive the funds.
Consumer complaint received 2022-11-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
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. (CA)

On XX/XX/2022, I disputed several items on my TransUnion credit report. On my letter, I requested that TransUnion, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. 

After several months, TransUnion has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my TransUnion credit Report. TransUnion is in violation of Federal Law under the Fair Credit Reporting Act.