davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (NC)

This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2021-11-23
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: Rocket Mortgage, LLC (NC)

While reviewing my XXXX credit report, I noticed that Rocket Mortgage made a credit inquiry on XX/XX/2021 without my explicit or written consent. During the month of XXXX, I was curious about the mortgage rate and did some research online. I found their website via XXXX and filled out the online form since the site indicated that they need to collect some basic information before they show me the generic rate. During completion of the form, I never gave them explicit permission to run my credit. Nor their online form clearly disclosed that they will run my credit. Upon, filling up the form, they didnt show me any rates, instead, quite a few lenders called me trying to sell me a mortgage loan. I was very clear about the fact that I am just trying to get an idea about the current rate and not willing to start an application or run my credit, rather, I just want a quote for consideration. Yet they ran my credit without my explicit permission, which greatly impacted my XXXX XXXX and ability to secure future loans at favorable rates.
Consumer complaint received 2020-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (IL)

ACIMA CREDIT F/K/A XXXX is the name of the company appearing on my credit report for an outstanding balance of {$2400.00}. The account was opened XX/XX/2020 as " Leased '' according to my credit report. I filed a dispute with the credit report company to have this discrepancy removed because I did not open this account. ACIMA CREDIT insist that this is my account. Since the credit reporting company was unable to resolve this issue, I contacted ACIMA today and so far no results. I asked the employee what is required to open an account. I was told a checking account, I.D., and phone number. So, how did ACIMA get  my social security number? No response. Please note that I do not have any inquiries on my credit report from ACIMA. Therefore, ACIMA did not request a credit report. ACIMA opened an account for someone and expect me to pay. I am annoyed and angry because I can't refinance my mortgage due to the drastic drop in my credit score and 60 day late payment.

If this has occurred to others, a class action lawsuit is necessary to teach ACIMA to respect consumers credit reporting and opening of new accounts without accurately verifying the consumer.
Consumer complaint received 2022-04-11
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: U.S. BANCORP (TX)

The original creditor for my account was XXXX XXXX XXXX which was subsequently bought or transferred to Elan Financial. Elan Financial is reporting that my payments were late in XXXX and XXXX of XXXX, despite me having documentation ( bank statements ) to show that phone payments were processed with XXXX XXXX XXXX each month through XX/XX/XXXX in the amount of {$51.00}, thus XXXX should not and can not in good faith report that I was delinquent in my payments to them. 

I was contacted by Elan Financial in XX/XX/XXXX who stated that they were the new creditor and would not honor the previous payment agreement I entered with XXXX XXXX XXXX to close my account and continue payments. At this time, I had a loss of income due to XXXX and shared this with the representative who subsequently enrolled me in a modification plan. A required XXXX faith payment was made to enroll in the program and there have been no missed or late payments since that time. 

I have made several requests to both Elan Financial and the credit reporting agencies XXXX, XXXX, and XXXX to have my credit report updated to remove the delinquent payment reporting due to the internal errors, my subsequent enrollment in the modification plan, and continued satisfactory payment history. The continued negative reporting is in direct violation of the following FCRA The Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information. 

Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX20., contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19-related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX, and do not apply to charged-off accounts.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I am experiencing ID Theft since XXXX.A Con artist made a change of address without knowing at XXXX and started receiving my mails included new debit, check stuffs and new credit card at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CAXXXX  where the criminals uses as forwading address .After found out about ID theft, I treid to make corrections with XXXX, Banks and credit card issuer and seems like they are solved.Now I got an email from Chase bank this Morning where I have new checking and savings said my address has been changed again from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl,XXXX where I live now to XXXX 's address in XXXX XXXX XXXX, CA above. I have to call Chase bank to explain that I did not make change of address.
Consumer complaint received 2020-05-12
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$760.00}
Consumer complaint received 2023-02-15
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. (FL)

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (OK)

So as soon as I XXXX  college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for XXXX  every year. I had no idea they were filing through XXXX. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay XXXX  {$39.00}. I didnt even have access to my XXXX account till my credit score dropped {$200.00} points and I XXXX XXXX and had to recover my account. If I knew they were just filing with XXXX, I would have done it my self and used the money I was paying them to pay my student loans. I called XXXX and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.
Consumer complaint received 2020-05-12
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. (FL)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXX XXXX I was XXXX XXXX XXXX  Im sending documents of the case where I was XXXX XXXX XXXX which is the reason XXXX XXXX  was involved
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Back in XX/XX/XXXX, I applied online through Navy FCU to refinance my mortgage loan, at the beginning of the process, the bank has a questionnaire about your situation. 
I submitted all the paperwork needed, amidst XXXX I received a letter stating that my credit was denied, because " the property use does not meet the requirements ''. I emailed my loan officer, called about 8 times, every time I talked to a different agent, they all couldn't tell me an exact answer why was the loan declined, some thought it was a problem with the county, I called the county, the checked my records and even provided me with a statement where it shows that my house was at compliance. At the end I requested a sup, who wasn't available then she called me three day after that last call, the sup explained me that because the military " I am XXXX XXXX XXXXXXXX XXXX '' moved me to XXXX XXXX XXXX I was not technically living in my property back in XXXX, therefore I did not qualify for the type of loan I was applying for, my mom is currently living there, and I explained that the military just moved me a month ago to XXXX, but my home residence is XXXX and I may go back there, I wonder why they have a questionnaire for the application, if they don't apply that profile answers they get, to better classify and get the people in the right type of loan, in my case no one ever called me, I had to call several times, to get even an answer, and it took almost a month after the denial decision was made to get to know an answer, and after all, the supervisor on the line, told me that I'd needed to re apply. 

I believe first, this treatment is really unfair, and not helpful at all, their processes and communication within the same mortgage department is in the air, I talked to many representatives that didn't know what was going on, and us a customer at the end don't get the customer service and guidance for such a big transaction as refinance a mortgage loan.
Consumer complaint received 2020-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CO)

I called XXXX yesterday and couldnt get any help on this. I think I reconsolidated my loan in XXXX with XXXX to apply for the loan forgiveness program. 

I borrowed about XXXX in the XXXX and started repaying the loan in XXXX. I consolidated with ACS in XXXX. At that time, the loan was XXXX. 

Now, I still owe XXXX. I dont understand why no principal has been paid down after 20 years of XXXX per month. 

I would like to get documents on the loan history. I am no longer a borrower in ACS now Conduent and so I cant ask them. Studentaid.gov told me you would have the documents even though you have only held the loan since XXXX.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NE)

XX/XX/XXXX - {$430.00}, contacted them to send a verification of debt and haven't received anything. 

XX/XX/XXXX - {$430.00} - Have not received the verification that was requested. It is reporting through the credit bureaus and I am requesting verification of the said debt.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   XXXX  Account Number XXXX
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

Deposited electronic check to my chase checking from family member of {$970.00} which is from XXXX  XXXX XXXX. This activity in my account is COMMON. they have now placed a 10 day hold on this check. Inquired and this is response recieved. 
Hello, Thank you for contacting us. We understand your concern about your account and will be more than happy to help you. 

A hold can be placed for a variety of reasons, including when the deposit differs from the usual banking activity for you or the issuer of the check. Each hold is confidential and handled on a case-by-case basis. The money will be available on XX/XX/2020. 

If the deposit is returned to us unpaid, we'll deduct the amount of the check from your account and charge a {$12.00} Deposited Item Returned Fee to your account. 

For more information about the hold, sign in to chase.com and follow these steps : 1. Choose the tile for your account. 

2. Review the " On Hold '' section for details about the hold and when it should expire. 

You can also see hold information on the Chase Mobile ( R ) app ( 1 ) or chase.com mobile site. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 

Thank you, XXXX Chase Email Servicing ) This response is not only disengenous it is insulting to threaten with a {$12.00} return fee which had nothing to do with my inquiry. 
After responding back to their pathetic response which was immediately addressed are now saying can take up to a week for further response.Predatory practices and game playing during a crisis we are in is reprehnsible and danderous.
Consumer complaint received 2020-05-12
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. (NC)

I have reached out to Experian both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the Experian send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that Experian will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.
Consumer complaint received 2020-05-12
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. (GA)

XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called CapOne to determine when finance charges would accrue. I was told that if I paid off my balance in full prior to the closure of the next statement I would not accrue finance charges I escalated the call to XXXX on XX/XX/XXXX # XXXX. She claimed that she could not reverse the charges. All financial institutions have a way to reverse charges. Most are on XXXX or XXXX/XXXX. I'm a customer in good standing. I was given the wrong information. I wasn't given an written communication informing me that on XX/XX/2020interest would accrue on the balance on my card. I was told to pay off my card prior to XX/XX/XXXX to avoid finance charges. Capital One failed to provide full disclosure where a customer would understand.