davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Verify This invalidated account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I am currently traveling, but wanted to go ahead to get a soft credit check for a solar installation quote. It was a total breeze to unfreeze XXXX for the quote. However it is utterly impossible to talk with Experian. I do not have the freeze pin on me. 
I tried calling too many times, at least 10 times during the listed working hours on Friday XX/XX/XXXX and Monday XX/XX/XXXX. It is completely and utterly impossible to speak with a person. I tried resetting my login to unfreeze online and it doesn't know my birthdate and social security number, both of which are obviously correct. I am also getting error messages with my correct email address again. It is imperative to speak with an agent, however, there is NO WAY to speak with a real person. The automated voice leads nowhere. It is unacceptable to not be able to solve problems in a timely manner. I can not move forward because of this issue. And phone calls to Experian are useless. Why is it not possible to talk with a person??? Total blocking of a phone connection should not be legal. Experian has unacceptable customer service
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Notified by Bank of America ( BOA ) by email ( XXXX  XXXX ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at BOA, so i intially disregarded the email. On XX/XX/XXXX received a text message from BOA ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted BOA customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the BOA fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the XXXX report from BOA dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted BOA again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted XXXX  by telephone the same week requesting the BOA hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. XXXX requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I closed my Chase checking account and the funds in my account was sent XX/XX/22. I was advised to wait XXXX business days. As of today XX/XX/22 no one can advise where my funds are. Ive made XXXX attempts and was told different stories. One said the funds where withdrawn from the bank on the XXXX of XXXX. I have not been to the bank until today when a representative advised I go and fill out a form and have it notarized. I went to Chase bank at XXXX XXXX Fl and the manager said he was too busy and he would call me in an hour. Its now been XXXX hours and no call. I just want MY money that was on my closed checking account. Please send me my funds. Thank you! XXXX XXXX
Consumer complaint received 2022-10-03
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. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX Account XXXX This Account is only being displayed on Transunion and no other bureau. I have tried to dispute this account with Transunion but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on Transunion but the other two are reporting different information on my credit report
Consumer complaint received 2022-10-03
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. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on equifax and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account NumberXXXX  This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, 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. (FL)

Hello as you can see by my previous reports, I am a victim of identity fraud. I have recently found out that there were new inquires on my report that pertain to Fraud, and other inquiries that are duplicates and inquiries I was told will not be a Hard inquiry but are and I have tried to resolve this issue with all 3 agencies and the creditors, and I am told by the creditors they don't have my information to remove so they can not help me and then i am told by the credit agency only the creditor can remove an inquiry which is not possible if they don't have me and were not authorized or duplicated. So, I would like these Credit agencies to take this more seriously when it comes to true fraud victims and disputes and not be giving the run around like I have been given. Seems like this is always an issue. Being I have Alerts, Fraud Protection, freezes, Locks, I pay for memberships on top of the memberships, and my reports come unlocked or unfrozen due to a quote-on-quote glitch in the system, I would expect it to be taken care of and listen to their customers if they actually read notes and reports. I have inquiries that do ot belong on my report I would like removed, whether fraud or duplicates i already spoke to the creditors and they can not help being they advised I was only ran 1x and the other couple were fraud.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (CO)

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, Equifax and XXXX with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
Equifax- doesn't do any investigation XXXX - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX I requested that all the personal information on my credit profile be updated. 
XX/XX/XXXX a report showed XXXX was in fact updated. 
XX/XX/XXXX I received a report showing that the removed information was in fact placed back on to the consumer report. 
XX/XX/XXXX via CM : XXXX a failure to update XXXX  letter was sent to Experian with no response. 
XX/XX/XXXX I was denied a line of credit due to this agency blatant disregard for my consumer rights.
Consumer complaint received 2022-10-03
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. (SC)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2023-12-01
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. (CO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03
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: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. Capital One Auto Finance. I discussed with company that this account will be removed from my account, XXXX
Consumer complaint received 2024-01-30
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. (TN)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-30
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. (IL)

According to 605B, this account must be removed promptly. It's making me mad to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Consumer complaint received 2024-01-30
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. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX in the amount of {$440.00} 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-03
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: Bridgecrest Acceptance Corporation (TX)

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited {$300.00} cash to my checking account at Chase Bank through the Chase bank ATM on XX/XX/22 at XXXX. The money deposited did not get to my checking account. I called Chase bank many times for my deposit that never got to my account but to no avail. I spoke with XXXX XXXX XXXXXXXX for Chase about the deposit, she said it will take 10 to 12 days to reflect on my account. I need my money to pay bills. Please help
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

I have received a a letter from Mr.Cooper Mortgage Company dated XX/XX/XXXX. After reviewing this letter, I once again find myself filing a formal complaint against this company. This would be my third complaint. I believe that this company is practicing predatory lending. I can only imagine how many people are being affected by these illegal, ill moral, and unprofessional practices. 

In the letter the company has stated that my mortgage payment is increasing to {$1500.00} per month. When I phoned the company. they stated that the increase was due to no insurance on my property. As I have stated in previous complaints I purchased insurance on this home after the death of my father in XXXX of XXXX from XXXX XXXX XXXX XXXX. The insurance has been in force from that date till present without any interruptions, as XXXX XXXX withdraws the monthly fee from my bank account each month. 

I have provided a copy of the letter from the mortgage company and a copy of my recent insurance statement. According to XXXX XXXX XXXX XXXX, this document was mailed to Mr. Cooper in XX/XX/XXXX.
Consumer complaint received 2024-01-30
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. (NJ)

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, on my XXXX equifax credit report - under a closed XXXX  XXXX account - under comments and contact - there is a phrase of " ACCOUNT CLOSED BY XXXX XXXX '' I would like removed. 

Attached to this complaint are : my drivers license my social security card my address my written complaint screen shot where it is located Please have this comment, in the XXXX  XXXX comments and contact, completely removed.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

Mohela refuses to respond and confirm that my PSLF application has been received. After being told by XXXX XXXXXXXX XXXX that my application was transferred to Mohela months ago, I have still yet to get confirmation of them having my application. The deadline for the PSLF Waiver is in several weeks. I understand they are busy and the processing of the application may take some time, however all I am looking for is verification it has been received and is waiting to be processed. The phone number is no longer working. I can no longer get in touch with Mohela. Previously when the number was working I would be on hold for hours, often having the call dropped. One time I was told to resubmit my application to them as they did not get it, which I did. I sent my application certified mail so I know they received it, yet they still are telling me they do not have it. They told me all mail received to date had been updated and therefore why my application was not showing up as having been received was very confusing. Customer Service is rude and not helpful. In order for me to qualify for the PSLF Waiver my application must be received by XX/XX/2022. I need help!