davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2023-09-07
Product: Credit reporting 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2019-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I pulled my credit report recently and noticed Capital one auto finance has reported a " Charge Off '' on the auto loan to 3 credit bureaus. In XX/XX/2019 I sent full payment to Capital one auto finance via certified mail. The amount owed was {$11000.00}. I gave Capital one auto finance multiple chance to respond but they never did and now they have reported a " Charge off '' to all 3 credit bureaus which is affecting me tremendously as I am in the process of buying my first home. I have contacted all 3 bureaus to do a proper investigation into this matter and they recently sent back a letter stating they all did a proper investigation but none of them sent me the supporting docs to prove they are reporting the correct information.
Consumer complaint received 2019-11-23
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. (AR)

I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to Experian that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX23 to paid as agreed and yet they continue to violate the law.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I noticed a monthly charge of {$16.00} on my XXXX  XXXX XXXX credit card statement for Experidan Credit Report dating back to XXXX of 2019. I do not know what this charge is for and assume it is some time of credit monitoring service. I do not want credit monitoring and NEVER signed up for any such service. I ran a credit report around XXXX and think Experian might have unilaterally added this service. 

I called the Experian toll free number on my credit card statement and the automated system had no record of my having any type of account with them. I tried many different options to speak with a live person but their phone system is a total joke -- it was impossible for me to figure out how to speak with someone.
Consumer complaint received 2020-01-13
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: PNC Bank N.A. (NJ)

pnc card ending XXXX told them there was a charge from XXXX  i did not recognize. they took away my credit i just called and was put on hold i cant wait i am in court now should i have to. i do dispuute XXXX from XXXX  and would like my card back. and my available credit.
Consumer complaint received 2023-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (IL)

I had covid forbearance and i went through required loan modification process right after the forbearance ended only to be rejected after full 4 months of Nationstar 's " property grab '' game :. 
After i submitted EVERYTHING they have asked for, they kept calling : we don't have this or that and many phone calls followed with ( XXXX ) questions ( excuses ) like : we can't process your application yet because we don't know when the child support is ending!!?? 
Not to mention that they changed the home loan specialist several times to make this process more difficult. 
It was more then obvious they had no intension to offer any modification WHATSOEVER!!! 
The loan modification was dragged on purpose for over 4 months even though i was told that the application will be processed in a month. 
The reason for this is that after 90 days of non payment the mortgage companies receive the FULL amount OF THE ORIGINAL MORTGAGE!! 
So this loan is paid in full.And if someone should be after me is their insurance company/BUt they cant do that because they secured an UNSECURED loan. 

I was asked, against Covid forbearance plan rules, to pay the full amount of covid forbarance at once to become current. 
No trial period was offered and Nation star went right into a foreclosure lawsuit. 
Many people that i know had their covid forbearance unpaid amount pushed to the end of the loan. 
I have asked for that option and i was rejected. 
Nation star did not show any effort to help me reinstate the mortgage. 
It was more than obvious that they ONLY wanted to foreclosure. 

Well, the truth is that my property is protected with an XXXX title which is a supreme title anyone can have so they will face the lawsuit if they try to foreclose against all the rules, regulations and against the law which they are trying to do. 

In addition to XXXX XXXX i have Private indemnity bond that protects my property from such unlawful, PREDATORY mortgage companies. 

I have also filed a 1099 A and 1099 c with The department of the Treasury, IRS which they completely ignored just like my first complaint here filed in XXXX of XXXX  My original second mortgage was XXXX XXXX  and they confirmed many times that second mortgage has NO RIGHT to start the foreclosure which is exactly what Nationstar did. 

So even if foreclosure happens that is not going to be an end for me or them, the lawsuitS will just start and they will lose. 

Get ready Nationstar, I fear no EVIL!
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Client Services, Inc. (IA)

The company Client Services reached out to a minimum of two contacts, who I am not related to, and disclosed that the purpose is to collect a debt on XX/XX/XXXX and XXXX, 2019. I have not heard of others that they may have contacted yet with my personal information. I have not received any attempt to contact or verify the debt through my phone, mail, or email. I did reach out to the company requesting they stop contacting others with my personal information.
Consumer complaint received 2019-11-23
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. (WV)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 


The follow accounts are as follows : Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-11-23
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: NAVY FEDERAL CREDIT UNION (FL)

I originally disputed this account on XX/XX/19. I Did not go on the cruise and the cruise company offered a cruise credit. I contacted the company I booked the cruise through and did not receive my credit and also disputed with NFCU. Navy fed denied my dispute I did not receive my money back or get a cruise credit in which the told me I would. I prefer to receive the money back in the same way I paid. How can they just RIP me off without rendering the service.such a scam
Consumer complaint received 2019-11-21
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. (NM)

This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with Experian to update my account. Experian only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (ND)

On XX/XX/2023 my girlfriend signed over a check to me so I could mobile deposit the check in my chase bank account. The check was for XXXX. The check was cashed into my account but they froze my account due to which they thought was fraud according to their policy. I tried talking with customer service everyday since then trying to verify my girlfriends phone number. They said that her name needs to match up with her number to verify the check. She even went to the lengths of getting her own XXXX plan to make sure her name matches up with her number. They are giving us a run a round. It'd highly I'mpossible to have her name match with her number. She has documents stating it's her number from. XXXX. They can't tell us how to get it verified.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted Transunion I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXXXXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CA)

In XXXX, I completed a promotional purchase of approximately {$6000.00} with a XXXX  % APR, set to expire in XX/XX/XXXX. Subsequently, in early XXXX, I executed a balance transfer of around {$6000.00}, also at XXXX % APR, with an end date in XXXX. I fully paid off the promotional purchase in XX/XX/XXXX. Contrary to my expectation, US Bank applied this payment to the recent balance transfer instead of the older promotional purchase. As a result, US Bank began charging a high interest rate ( exceeding {$100.00} per month ) on the previously promotional purchase. Upon contacting US Bank to rectify the allocation of my payment, I was informed that such a request could not be accommodated. These practices are inconsistent with reasonable consumer expectations and result in an unfair disadvantage to consumers.
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I moved to the U.S. in XX/XX/XXXX with an XXXX visa. Recently, I tried to access my annual credit report. I have access to XXXX  and XXXX  credit reports. Equifax requested to send proof of my identity. After sending all necessary documents and calls to Equifax support, they finally told me they do not have any record associated with my SSN, so I should start building up my credit. I am already doing that. I have 3 credit cards and an auto loan.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. This account has previously been disputed and I am attaching new information to this complaint including a copy of the police report submission along with the official police report summary and police report number. I have also attached a copy of the official dispute.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (UT)

Enhanced Recovery/XXXX XXXX # XXXX is reporting a collection on my account that I never received any notice of. I currently have XXXX XXXX and I was never sent anything letting me know the account was going to go to collection, I only found out about it when I checked my credit. This is in violation of my 30 day right to dispute.
Consumer complaint received 2019-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (AR)

Enter store to browse products to support a local new business. Find hedge trimmer ( value {$40.00} ) and laptop ( value {$200.00} ). Decide to finance instead of cash payment. Employee tells that I am approved for {$5000.00} line of credit. Employee tells that I can pay it off at {$26.00} per pay period until the SALE PRICE of {$240.00} is paid off. Employee did NOT inform me that I had to pay it off in 90 days, or suffer the consequence of a payoff amount of nearly TRIPLE the value of the original equipment being financed. This is predatory, unfair business practices and this company should be shut down. Period. 

I have paid to date, at the time of filing this complaint, {$310.00}. The loan is satisfied. I do NOT want a refund and I will GLADLY return the equipment, which has seen minimal use since purchase. I want OUT of the rest of the payments as scheduled. I will NEVER EVER use this company or its credit agency again. And, I will be sure to inform ALL of my friends, family, and associates about its business practices. 

This ( attached ) lease agreement that I " signed '' has an electronic signature that was typed in by the EMPLOYEE, not me.