davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Consumer complaint received 2022-04-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, sent a letter to the XXXX bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to Experian, XXXX and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an email from someone named XXXX from the capital one security team stating that they were going to restrict my account until they can verify my recent activity and that if I had any questions that I should call XXXX on XX/XX/2022. I called the number on XX/XX/2022 and no one answered. I left a voice mail, and no one called me back. I called again on XX/XX/2022 and left another voicemail. So, the next day on XX/XX/2022 I called the regular capital one number to see why my account was blocked then they transferred me to another department. Someone else told me that capital one did a review and they decided to end the banking relationship, which isn't fair because I never called the bank to say that there was fraud happening or any suspicious activity on the new accounts I opened, and they shouldn't have closed my accounts without calling me first to confirm said recent activity like they emailed me about. The person also said that I would be mailed a check of my funds, however the account is still open, but they will be closing the checking and savings account. The checking and savings account is still open and frozen. They also said that the decision was final and I would receive a piece of mail, but again, I never even received a call from anyone about this whole situation and I never got anything in the mail pertaining to this " review '' that was conducted. I was even sent a debit card prior to this. I told in the past that I would be permitted to open another account. This XXXX person never called me to confirm that I opened an account, not that that should have been done anyway because there weren't any suspicious activities happening on my account. I also still have money deposited in the account. I have XXXX dollars in my checking and XXXX dollars in my savings that capital one won't give back to me. They stole my money. They took my money and still have my accounts open because I can still see it on the app. When I call the bank line everyone acts like they don't know what's going on and that they can't provide me with any information which is a lie because I know they can see why this even happened in the first place. None is this should have happened. My accounts shouldn't have been restricted or closed in the first place.
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. (FL)

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, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX XXXX XXXX XXXX advertised a promotion consisting of 0 % interest for 4 years on furniture purchases totaling {$1900.00} or more if you apply and qualify for their store credit card through Synchrony Bank. On XX/XX/XXXX I applied and qualified for the 0 % interest for 4 years promotion and obtained the XXXX XXXX XXXX store credit card through Synchrony Bank. Since I qualified for the 0 % interest for 4 years, on XX/XX/XXXX I purchased furniture totaling {$3700.00}. Then, on XX/XX/XXXX I noticed that I had been charged a total of {$1100.00} in interest payments for the past 10 months starting on XX/XX/XXXX on this purchase for which I had qualified and given 0 % interest for 4 years. This false advertising and fraud consisting of a " bait and switch '' where 0 % interest for 4 years was advertised but then I was charged an interest rate of 29.99 % immediately beginning with my XXXX payment on XX/XX/XXXX needs to be corrected. I am asking that Synchrony Bank correct this fraud by issuing me a refund in the amount of {$1100.00} which is the amount that it charged me as interest on a loan that was 0 % interest for 4 years. Synchrony Bank 's financing options can be found at XXXX and payments are made at www.mysynchrony.com
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$410.00} In addition, I request the removal of the following unauthorized inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-29
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. (IL)

Experian removed XXXX XXXX  account on my credit report due to it being a fraudulent account, due to myself providing supporting documentation being a FTC report and a police report. On XX/XX/2022 Experian reinserted the XXXXXXXX XXXX  account back on my credit report stating that XXXX XXXX requested the account be reinserted. Experian did not follow the law in regards to the Federal Credit Act ensuring that they sent documentation within 5 business days of the reasoning of the XXXX XXXX account being reinstated to my credit report. Also XXXX XXXX did not provide any supporting documentation of validating the account. The FRCA law has been broken by Experian and XXXX XXXX
Consumer complaint received 2022-08-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I recently reviewed my credit report and I observed that XXXX  are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received an alert someone tried to open a credit card under my name. I have a freeze against matters like this because it has happened in the past. However there is a hard inquiry under my name that brought my score down
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX  to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

My payment was increased {$61.00} to cover an escrow shortage. I never received notice that there was an increase so my payments were considered short. Because of this, my automatic payments were not credited and they claim I have missed two payments. I have been talking to them for days and getting no resolution. Here is just some of what I have been told. 

My homeowners insurance increased by XXXX per year. That would be roughly {$12.00} per month increase. When I contacted their office I spoke to several people. I was told that because the value of my home increased, the loan payment increased. I was told that I would need to contact XXXX XXXX XXXX, CA. because the county dictates my payment amount. This was an increase in homeowners, not taxes. 

For the last week, I have been speaking with XXXX who claims to be a supervisor. I have asked for a manager call back several times but have not received one to date. XXXX explained to me that the problem began with XXXX payment and that it was short because they had increased my payment by {$33.00}
Consumer complaint received 2022-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I recently ( XX/XX/2022 ) had my student loans transferred from XXXX to Mohela. The process has been awful and difficult. I have been attempting to track my payments online and to see detailed information about payments I have made towards the Public Service Loan forgiveness program. First, XXXX kept declining my requests to count payments ( form was submitted in XX/XX/2022 and XX/XX/2022 and again in XXXX 2022 ) after it was denied multiple times ( even though the form had been completed accurately ). XXXX just would say that the form was denied but they couldnt explain why. They suggested I resend it and I did. It was then declined again. After not getting a response, I finally gave up and my loans were moved to Mohela. The tracking since moving to Mohela has been terrible. I have called them on multiple occasions to inquire about when I could anticipate an updated payment count only to be told that the XXXX data was kept in a way that would not be accepted and tracked in their system. The person I spoke to said that they have had to get new software and to be patient with them. This conversation occurred in XX/XX/2022 about this and still dont have clarity.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I recently reviewed my credit report and I observed that XXXX XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX  XXXX.
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (IA)

This company and their collections agency is harassing me telling me I'm going to jail for bad checks. Cussing me out. They are violating FEDERAL laws with their interest rates. See XXXX. Online loans especially at those rates in Iowa are illegal. I've contacted Iowa attorney general XXXX XXXX about the harassment.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (PA)

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, CEO, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!