davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was accessed a {$39.00} late fee, although I have a stella payment history with Capitol One and have never bounced a check or made a payment that was not honored by my financial institution. And Capitol One placed a 10 day hold on my payment eventhough it has cleared my bank account. 
The payment cleared my bank account on XX/XX/year> yet Capitol One is holding my account until XX/XX/year> I feel this is in retaliation to my submitting a complaint with CFPB in XX/XX/year>XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a declination notice from XXXX  XXXX XXXX regarding an attempt to open an account on XX/XX/year>. I did not submit this request. On XX/XX/year> I proceeded with putting a fraud alert on my credit report. On XX/XX/year> I got a notification from XXXX stating that there was a hard inquiry on my credit report from Capital One. I did not submit anything with Capital One.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-01
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. (GA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-08-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (NY)

I have a debt that have been on my credit for 7 years. However, New York states statute of limitation was ruled 3 years for a debt collection in 2022. I tried to remove this collections from my credit and the issuer refused. Please enforce the law pertaining to the New York states laws due to the fact this collection takes place here.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (NY)

XXXX, XXXX and Equifax are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold.

- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status.

- Balance calculations are not being validated properly
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. These unauthorized inquiries mentioned below were created through identity theft.
Consumer complaint received 2024-11-26
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. (AZ)

I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY, THEY HAVE ALSO BEEN PUTTING FRAUDULANT INQUIRES ON MY CREDIT REPORT
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Need all three credit reporting the same thing XXXX does not have any bankruptcy on it need XXXX to remove the one bankruptcy and Experian to move the two Bankruptcy. Enclosed is all three credit reports. to show they inaccuracies.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-01
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. (TX)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (TX)

My credit report shows a credit inquiry and account open with SPRINGLIGHT FINANCIAL, which I did not authorize, and I never opened an account with them. This is affecting my credit, and I need it removed and cleared from my credit report, as I consider this to be a fraud. It is also preventing me from purchasing a vehicle. Please send me confirmation as soon as this is corrected, and I need an explanation in writing.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

XXXX XXXX XXXX is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, HSBC Bank USA, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, XXXX XXXX completely ignored HSBC and is incorrectly and malicously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that XXXX XXXX XXXX cease from reporting my closed HSBC accounts to the credit reporting agencies.
Consumer complaint received 2024-11-12
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. (PA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have recently reviewed my personal credit report. I found this account on my credit report that was not opened by me. This has been hurting me! XXXX XXXX XXXX reported {$2900.00} collection account XXXX on my credit report. I NEVER SIGNED ANY DOCUMENTS STATING THAT I OWED THEM ANY MONIES OR DEBTS. THIS IS AGAINST THE RULES AND REGULATIONS OF THE FCRA!
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Today, XX/XX/XXXX I was working and noticed that 3 of my Chase credit cards were removed from my digital wallet, but as I was caught up with work I did not investigate further. Forgetting what had happened, I made a purchase on XXXX using one of my Chase bank cards, however received a decline notice. I decided to log into my Chase bank app & noticed all my accounts had been closed. I contacted Chase Bank & was instantly transferred to a supervisor. When I asked for the reason as to why my accounts had been closed, I was not provided with a reason and rather was told that I would be receiving a notice in the mail with additional details. I am extremely upset about this as I had an exceptional credit score with absolutely no negative history with Chase or any other financial institution. I even went as far as reviewing my credit reports with each credit bureau & nothing strange reflected that may have caused this decision.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX XXXX # XXXX I do not have a contract with XXXX XXXX XXXX XXXX I was never provided with any contract whatsoever this is a violation of Fair Credit Reporting Act please remove immediately and stop Harassing and reporting negative to my credit or else I will have to take legal action! Further more I never gave consent to furnish my information this is considered illegal!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I am once again submitting another complaint regarding my loan with Shellpoint Mortgage, Yearly Shellpoint Mortgage Servicing ask for proof of insurance both XXXX with includes the hazard and my ) personal condo insurance. I submit a proof of insurance. I have submitted said asked for information a number of times. Recently, I received a letter from XXXX point indicating that my XXXX insurance has an unacceptable deductible ( this is generally the same as previously provided and ask that I provide a copy of the full policy as evidence of insurance. I have provided Shellpoint with both the proof of insurance from the XXXX and the certificate of insurance from the XXXX 's Insurance company. T
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Mohela withdrew {$3000.00} from my account without my approval. I have always made consistent monthly payments to Mohela for around {$1000.00}. One day Mohela decides to place me on an administrative forbearance without my approval. Then they remove the forbearance and auto withdrawal over three times the amount I was normally paying. They didnt adjust the monthly payment owed after removing my foreberance. They just withdrew the entire amount without placing me on my previously agreed upon income driven payment plan. I have called multiple times to dispute this, however they offer no explanation and said my refund is denied. To this day they continue to place and remove me from administrative forbearance.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (OK)

XX/XX/year> Started sign up for account registration with Experian. Account registration did not complete process. Tried to resolve repeatedly. Unsuccessful each time. 
XX/XX/year> Made numerous phone calls to various numbers listed on Experian website. Each number only allows access to an automated system. There is no option for speaking with a human to sort out a problem like finishing account registration. 
XX/XX/year> Tried to complete account registration online and by telephone. endless loop of automated system that provides no option for my issue or speaking with a human. 
XX/XX/year> More phone calls and online attempts to resolve issue. Impossible to resolve thru Experian phone or online methods. Submitted online chat on XXXX XXXX. Described problem. No response. Additionally, I read some other comments from other Experian account holders. It appears that Experian has no intention of ever providing a way for contacting someone with the knowhow to solve a problem. 
In my opinion, Experian does not serve its purpose of allowing consumers to protect their credit rating. Experian seems at best inept and possibly even fraudulent in claiming that they help consumers protect their credit rating.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (GA)

In XXXX, I called to set up payments from the trust account. I asked if there was anything else they needed and they told me no. They failed to tell me that I needed to produce documents for the trust, death certificate, and ID from me. I had to find out that this information was needed when the mortgage company refused to paid the insurance on the house. I called and was told about the information needed, the third week in XXXX of this year. They have been accepting payments from me and did not inform me of the situation with the documents. I have supplied the documents, but the higher mortgage payments are creating a financial hardship for me. Since the insurance I got from XXXX XXXX is canceled, I believe they are charging me for insurance they have on the property which is extremely high. They are telling me that they can not talk to me until they review the documents. My hands are tied right now and this is not helping me financially. I did not create this situation. They did. I need a resolution fast.