davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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. (WI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 transunion 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-10-06
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: Sierra Credit Corp (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-09-27
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. (CA)

Experian and XXXX are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I settled my Capital One credit card charge off. Capital One did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. Capital One verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.
Consumer complaint received 2022-02-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (KY)

Attempted to refinance my mortgage with Freedom Mortgage in XX/XX/2021, applied, and was initially accepted. Looking to refinance because my father was dealing with end stage XXXX XXXX XXXX XXXX XXXX  ( he passed XX/XX/XXXX from it ), and I was looking to not only pay off my debt, but also to assist him with the excess ( fall risk/needing constant care ), etc. with whatever was left over. So, XXXX documents sent to me and signed, statements from agents about rates, estimated loan rates and costs, etc. Everything was going ok, delayed somewhat, multiple requests for information, 30-day payoff letters for debts, XX/XX/2021 - {$95.00} XXXX ( termite inspection ) that I paid for as well as XX/XX/2021 - a {$300.00} home inspection that I paid for on XX/XX/2021 ; that was claimed to be what was holding up the process and needed, and did all of that. Around XXXX there was an email from an agent, XXXX XXXX, claiming that the underwriter had found a judgment in favor of XXXX, " please provide proof of payment ''. I am not a customer of XXXX, no accounts ever, etc. But I contacted them, talked to their agents who found nothing with my information after SSN search, name search, etc. but they could not provide this to me in letter form due to me not being a customer ever and I explained all of this to the mortgage company agents as well as their supervisors through emails and phone calls; gave them all contact information for XXXX also. It was returned as stating " the underwriter rejects your explanation ''. The XXXX agent then told me to ask for proof of what the underwriter was seeing. I did this, sent it in email to multiple agents. The next week after sending it I was sent an email by Agent XXXX XXXX containing another DocuSign but it was a credit denial letter, dated XX/XX/XXXX, but sent to me XXXX XXXX After being drug along for months, the statements of what was allegedly still needed from mortgage agents, and documents beforehand, that gave no indication anything was amiss whatsoever, until the random " underwriter '' issue arose and was never explained ; nor was I ever provided proof of what they said was a judgment even after requesting it over phone as well as through email. Instead, once I asked for proof of what the underwriter was allegedly seeing, I was sent a 3 month old credit denial letter after paying {$390.00} for services for something I was constantly told would happen. Over 40 emails, numerous phone calls, being told not to contact other lenders or incur credit inquiries during the process, all just full of seemingly false statements by mortgage agents seeing how I was never informed until XX/XX/XXXX of a credit denial letter dated XXXX XXXX. Deceptive lending at best, and at the end of it all my father died before I was able to help him at all as well as being out of pocket {$390.00} for false and deceptive practices by my mortgage company.
Consumer complaint received 2021-09-11
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: Experian Information Solutions Inc. (TX)

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted XXXX XXXX requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, Experian specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.
Consumer complaint received 2022-06-22
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. (TX)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$660.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

I was notified on XX/XX/XXXX a Velocity Investment they were suing me over a debt I told them was not mine. I sent them a Letter thru there attorney back XX/XX/XXXX advising I was not familiar with this debt. They did not respond. Yet continued further collection. I do not owe this debt. I need assistance contacting the Original company XXXX XXXX XXXX and letting them know this is not my debt. The amount they are suing for is over 6k. Please help.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (IL)

I am submitting this complaint because I am very unhappy and disappointed and stressed. My husband and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the FTC and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the FTC is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is 4 days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a refund from a merchant ( XXXX ) for {$180.00} The credit card account that the money went into was a closed account.I called Capital One and they said there was a restriction on that account and wanted me to send a copy of my driver license which I refused to do, the account was closed for that reason they said there was a problem with the account but would not tell me what the problem was so I said just close the account. 
I am out XXXX and Capital One will not do anything for me The last four # XXXX
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MD)

American Express Fraud Can not contact institution Identity Theft Cell ported number Bank Fraud Negotiations with Impersonating American Express representatives contact/email/chat Fraud Fraudulent XXXX Charges No dispute adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2021-03-29
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: JPMORGAN CHASE & CO. (MD)

Through my credit card monitoring, I was alerted that someone tried to open a JP Morgan Chase Credit Card in my name on XX/XX/2020. I called the JP Morgan Chase fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, XXXX process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called XXXX  who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. XXXX did continue that they could remove it sooner if they got a removal letter from JP Chase Morgan to authorize it. However, talking to JP Chase Morgan, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my XXXX  credit report. Please help as I feel useless against these big corporations and their processes!!!
Consumer complaint received 2022-09-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OPORTUN FINANCIAL CORPORATION (PA)

Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account.
Consumer complaint received 2022-09-17
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. (MD)

I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 i XXXX XXXX XXXX the consumer wrote a letter pursuant to 15 USC 1681i asking them to investigate some inaccuracies on my credit report. Equifax has failed to do a reasonable investigation and violated consumer law. by not proving me with the living person they spoke with who verified this information. the certified records to prove the information to be valid. There is a cease and desist communication order in place with the company i asked for the investigation on. so who verified this information. Equifax is now reporting inaccurate adverse information pursuant to 15 USC 1681 ( d ) ( 4 ). pursuant to 15 USC 1681 ( b ) ( 2 ) they were given written instructions to remove 7 different accounts from my report. upon receiving my updated report these accounts are still a part of my credit report which is a direct violation of consumer law. this directly violates 15 USC 1692 ( j ) pursuant to 15 USC 1692a I XXXX XXXX XXXX is the creditor who extended credit because per 12 USC 24 banks cant lend credit. as well as pursuant to 18 USC 8 I owe no debt. these companies are violating my consumer rights to privacy pursuant to 15 USC 1681b 2 these companies also have No permission to report ANYTHING using my information pursuant to 15 USC 1681 4
Consumer complaint received 2021-10-18
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: Bread Financial Holdings, Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CB/EXPRESS . They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. This MUST be removed ASAP!
Consumer complaint received 2021-11-11
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.