davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-24
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. (NC)

My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed
Consumer complaint received 2020-10-24
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX # XXXX, XXXX   XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion is stating that the court is the data furnisher of the bankruptcy however this is inaccurate information because the court mailed me a letter stating that they do not verify bankruptcies. Under the FCRA any inaccurate information must be removed after investigation. XXXX and XXXX  sent me a letter showing the removal of the bankruptcy. I sent over verifying documentation from the court to Transunion to verify this information. Please delete this information. Thank you.
Consumer complaint received 2022-09-27
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In accordance with the Fair Credit Reporting Act this creditor violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as. late for any purpose. Same with mortgage late payments.
Consumer complaint received 2022-06-01
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)

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXX XXXX # XXXX has violated 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Hello my Name is XXXX XXXX, i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
In morning around XXXX ( XX/XX/XXXX ) I go to the chase bank to withdraw some many at ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX, i find it that my card expiring XX/XX/XXXX. ( didn't know that, last withdraw was made by me of {$200.00} on XXXX last year XXXX ) After that I check on my phone App and I find out that on my account are couple transactions which I never know it and wasn't made any by me.. 
Those transactions : ( first one ) XX/XX/XXXX XXXX XXXX XXXX  ( Withdrawal Amount : {$4500.00} ) ( second ) XX/XX/XXXX. ( can't see the time ) Amaunt : {$200.00} ( third ). XX/XX/XXXX. ( can't see the time ) amount : {$200.00} there are + couples fees on in total {$7.00} and its one more of {$120.00}. 
When I see those transactions I go inside the bank to talk with a staff there, and someone there from the staff tell me to open for me claims, but the Claims didn't help me at all, they asked me to restrict my account and you will get many back, I did that but they didn't give any many back to me ....
Consumer complaint received 2020-10-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a senior who was scammed by phone and online on XX/XX/XXXX and XXXX of XXXX with a gift card scam for a total of {$9000.00} charged on my USAA Savings Bank Visa card. The bank was notified to try to reverse charges but said they could not do so. Visa was also notified who referred me back to USAA Bank. A police report was filed that USAA Bank already has along with the details of this case which include the merchants involved. I tried to submit this as fraud, identity theft and also under my homeowner 's insurance as well as resubmitting under Elder Abuse but today XX/XX/XXXX was informed by USAA that my claim was again denied as I am still liable for the amount. The police case # is XXXX and the officer 's name is XXXX XXXX with XXXX XXXX County Sheriff 's Department, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, telephone XXXX, XXXX
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/2018, and 60 days late as of XX/XX/XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I had originally signed documentation to refinance my home mortgage to a conventional loan for a fixed rate of 2.125 % with AmeriSave Mortgage Corporation, NMLS ID # XXXX in XX/XX/XXXX, but the company would not lock the rate in after several attempts to do so in late XX/XX/XXXX and early XX/XX/XXXX. On XX/XX/XXXX, I received a second set of disclosures stating that the rate had increased to 2.25 % due to underwriting. I signed these documents on the date given since I had already paid the application fee of {$500.00} on XX/XX/XXXX. The company has stated that the loan is 99 % complete since XXXX, but will not set a closing date and continues to inquire about information already provided on multiple occasions. When asked for closing dates, I receive no answers and continued excuses with no remediation steps. I have proactively tried to move the process along, but can not get anyone to tell me what I can do to finish the loan process. Under the original agreements, we estimated closing in late XX/XX/XXXX. It feels like they approved a rate lower than acceptable and are trying to get me to cancel my contract. I am prepared to engage my lawyer to seek damage if this is the case.
Consumer complaint received 2020-10-24
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)

I called Experian and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a list of accounts that were reporting incorrect information on my credit report, to the credit bureaus. There were supposed to investigate the accounts and respond to me within a month. It has now been two weeks over a month, and they have not responded yet.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a duplicate inquiry from the same company on the same day. I have contacted them and the inquiry still shows on my report. This is effecting my credit and should be removed. 

Its from XXXX  XXXX XXXX on XX/XX/2020. I have made phone contact several times with no results.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

I contacted the Consumer Financial Credit Protection Bureau on three accounts that are not due by me I submitted documents and Meridian Financial answered the complaint and removed from my credit now the same account are in my XXXX   credit report and were never removed. Attached is the proof on a previous file.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with 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 authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Consumer complaint received 2020-10-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

None of the issues I checked matched my issue. Two months ago I received a letter from Capital One that they were decreasing my credit limit from {$8500.00} to {$1500.00} because I wasn't using enough of my available credit to warrant such a high limit. I was using the card regularly and I had recently updated my financial status that I was employed. My credit score dropped 34 points and soon after another 6 points even though I had done nothing differently and all of my bills are paid on time. This should be illegal and they should reinstate my {$8500.00} credit limit. Another two cards I have had recently raised my limit without me even asking. That is how it is supposed to work right? 
P.S. Consumer Advocate XXXX XXXX suggested I reach out to you and is aware that Capital One is doing this to their customers.
Consumer complaint received 2020-10-23
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. (NV)

I am a victim of ID Theft and i've been needing help. Both XXXX   and XXXX  have already completed their work and its been beneficial, im thankful for their expertise and professionalism. On this hand, with Experian, on several different occasions dating back to XX/XX/2020, I've tried to have Experian investigate these fraud items through mail and over phone and both times, they continue to fail me as the staff there continue to say they cant " find '' the documents i send to them.

I try to upload, and i continue to get rejected and failed attempts by there system, it really feels like Experian has me blocked out of assistance. I feel very much violated how some companies can fraudulently report nonsense on my credit report and get away with it month after month with no resistance due to Experian not doing their job for the consumer ( me ).

Here i am on CFPB uploading/sending the necessary documents requested by Experian, again, in order for them to properly investigate and block these fraudulent items i have listed.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by XXXX and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
1. XXXX XXXX XXXX  Original creditor : XXXX Account number XXXX. ( Date XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3. XXXX XXXX Account number XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX  INQUIRY XX/XX/XXXX )
Consumer complaint received 2022-03-14
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. (WY)

I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX  credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (NC)

XXXX sent a debt from XX/XX/2020 to collections. I received no notice that they had not received payment. I received no notice that they were sending it to collections, and I received no notice that my credit score would be affected. They have violated the FDCPA twice ( statute of limitations and disclosure of debt ). 

The alleged debt is for {$100.00} owed on a device after I switched carriers. They informed me they would have reached out to me via email. The last email I have from them is from XX/XX/2020 for a cell spot booster return. XXXX has been unable to furnish any records showing they contacted me regarding the debt. 

I have spent nearly four hours on the phone with XXXX. They would not escalate me to a supervisor. I was hung up on twice. 

I have been messaging XXXX on XXXX. They will not furnish correspondence and refuse to put me in contact with a supervisor.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 3 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2020-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

The student loan servicer engaged in unconscionable commercial practices, deceptive conduct, and misrepresentations when servicing thousands of New Jersey consumers student loans.

Navient s deceptive and unconscionable tactics at various times over the last decade Steering borrowers into forbearance instead of income-driven repayment plans better suited to their financial circumstances. Failing to inform borrowers of deadlines to recertify their eligibility for certain income-driven repayment plans. Misleading borrowers about the amount of their delinquency.
Also, two counts of New Jersey Consumer Fraud Act ( CFA ) violations one for unconscionable commercial practices and deception, and one for misrepresentation.

" Navient had a responsibility to help financially struggling borrowers select a loan payment solution that offered them a fair chance to pay back their debt. Instead, the company incentivized its employees to put company profit above their legal obligations, with little or no regard for the student borrowers who fell deeper into debt as a result.  '' Desire to join action : State of NJ, XXXX, AG XXXX, NJ DCA Dir. XXXX XXXX