davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This complaint is filed against XXXX, XXXX, and Equifax for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. XXXX errors are : XXXX. XXXX XXXX report reports this account as open.This is a closed account and in collections. XXXX. Equifax report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and Equifax reports are missing date account opened. XXXX. Both XXXX and Equifax reports are missing date last verified. XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. Equifax reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both XXXX and XXXX are missing date of last payment. XXXX. XXXX report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. XXXX report under XXXX 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which XXXX failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under XXXX 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.
Consumer complaint received 2023-06-17
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Consumer complaint received 2023-06-17
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)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion. Despite my initial contact on XX/XX/XXXX, I have not received a response from them to date. As a result, I am seeking your assistance in resolving this matter. 

The following details outline the specific inaccuracies and necessary corrections that I require : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} The aforementioned account has never been late on any payments. Therefore, I kindly request that TransUnion removes the late payment notation associated with this account from my credit report. 
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$36000.00} I would like to bring to your attention that the information pertaining to this account on my credit report is inaccurate. Specifically, I request that TransUnion corrects or updates this erroneous information accordingly. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$1100.00} I want to highlight that the account mentioned above does not belong to me. Therefore, I insist that TransUnion removes this account entirely from my credit report.
Consumer complaint received 2023-06-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-17
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: Affirm Holdings, Inc (IL)

Account name AFFIRM INC Account number XXXX I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank failed to provide a credit that is just and due mu acccount. 

I filed a claim for XXXX XXXX Leather as they charged my account in three amounts : XX/XX/XXXX {$59.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$380.00} I canceled the order immediately as merchandise was unavailable. There is no phone number to contact this merchant. They give a phone number XXXX but it is unreachable as reported by hundreds of complaints online. 

A box shipped and was refused through the shipper with Fed XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I located extensive information online about the horrors of this company and how they steal person 's funds by failing to credit accounts. 

I took a complete file into a Chase branch and they emailed it to the Chase Claims Department to credit my account. Chase Claims refused to credit my account with extensive evidence to do so.
Consumer complaint received 2023-06-17
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. (TX)

According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1666 ( a ) 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 is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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. 


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 record of conviction of crimes which antedates the report by more than seven years
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (GA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

Mohela refuses to forgive the remainder of my student loan under the TEPSLF ( Temporary Expanded PSLF ) and has ignored repeated attempts to resolve the issue. I have met all requirements for loan forgiveness and have been waiting since XX/XX/XXXX for forgiveness. 

I have been waiting over 16 months for forgiveness and discharge of the remaining loan, but no updates have been made to my Qualifying Payment Count since XX/XX/XXXX ( one year ago ). I have only been credited with XXXX Qualifying Payments ( of the required XXXX ) even though I have made XXXX full, on-time payments since XX/XX/XXXX. 

I have contacted Mohela via phone or portal email to try to resolve the issue on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also filed a complaint with Federal Student Aid on XX/XX/XXXX.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have 2 accounts with Capital One ending in XXXX and XXXX respectively. with a total debt of # XXXX. 

I have been trying to work with Capital one since XXXX to work out a plan on payong off the two accounts that I have with them. Since then the accounts have been sent to collections and since I have no source of income other than XXXX, I can not pay this debt back. 

I am working with an attorney to file bankruptcy, however they advised me to send in this letter with proof of the only income that I have is XXXX and that I am unable to get work because I have no ability to read, write or get transport dur to recent conplete XXXX. Hence, since the only source of income I have is XXXX which is not legally garnishable in a judgement, it is unlikely that this debt will be or can be paid back. I receive such a small amount, that I can not support myself and pay back Capital One at the same time. 

Since the XXXX is permanent and withs the state of inflation, it is likely that things will not improve in the future either Also, with the continued added interest each month and with such a large principal payment, I can not afford even to pay back as little as {$20.00} a month. 
.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Multiple payments were made to my account, were then cleared through my bank, and were then " put on hold '' by Capital One " for 26 days ''. No one there- including a " supervisor '' - could give me a reason why. In the meantime they have a loan from me.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage claims we owe 2 months payment. The problem is we have been in bankruptcy for the past 5 years. We were supposed to have been discharged in  XXXX . Then Nationstar comes back and says we owe 2 months and yet we have satisfied all payments to the trustee of Ch.  XXXX . I have continuously provided Nationstar with bank statements through my bankruptcy attorney and yet they do n't seem to find the payments. To begin with I have never missed a payment to  XXXX   XXXX   XXXX  who first held our mortgages, then now to Nationstar. The reason we got into bankruptcy because we fell behind in our mortgage payment. Now we have satisfied the requirements for discharge, then Nationstar comes along and says we owe two months of this year- XXXX  and  XXXX . I called them on    XXXX  -2017  and spoke to  XXXX , he told me I was up to date in my payments and he did n't know was going on, and he was going to submit an inquiry into the matter. He went on say that it would take a week, but we never heard from him or them again. Since then  XXXX   XXXX  from the bankruptcy attorney has been communicating with Nationstar attorney  XXXX   XXXX . Then on  XXXX  -2017,   XXXX  sends me text saying Nationstar received  XXXX  's payment and that they will apply it to  XXXX  's. I called on  XXXX  -2017 to    XXXX  and spoked to  XXXX  in the bankruptcy department, and claims that the default in payments goes back to when  XXXX   XXXX   XXXX  had the mortgage during the initial stages of our bankruptcy. That is not possible, as we had taken care of that problem about  2  to 3 years ago, and yet they are bringing up matters that have already been resolved. I am trying to get  discharged s o that I can refinance my home and get my title to my truck and move on with our lives, but that does n't seem to be the case with Nationstar. I have prove from Nationstar sent us a letter that  Pre-Petition Default P ayments have been paid in full to cure the default, contradicting  XXXX  's assertion that we still owe. Please help us with this dilemma, I will provide with whatever documentation is required and also they keep on raising my escrow payment and yet we never see a dime of any money that is left over from after them paying the taxes on our house.
Consumer complaint received 2020-06-11
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)

I AM WRITING THIS COMPLAIN WITH EXPERIAN AND XXXX, I HAVE TRIED SEVERAL TIMES TO REACH OUT TO THEM SENT THEM ALL NECESSARY DOCUMENTS, AND EXPERIAN XXXX  REFUSE TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT, I HAVE SUBMITTED MY FTC IDENTITY THEFT REPORT, THEY HAVE NO PROOF OR SIGNATURES THAT THESE ACCOUNTS BELONG TO ME, I AM A VICTIM OF IDENTITY THEFT, THEY BOTH ADVISED THAT THEY DO NOT COMPLY WITH FEDERAL REGULATION SECTION 605B IN THE FCRA. THEY STATED THEY HAVE THEIR OWN RULES AND PROCEDURES AND THEY DO NOT COMPLY WITH FEDERAL RULES AND REGULATIONS. SUBMITTING ACCURACY WITH NO VIABLE EVIDENCE DOES NOT CONSTITUTE THAT I AM THE OWNER OF THE ACCOUNT. I HAVE TRIED SEVERAL TIMES REACHING OUT TO THEM AND THE CREDITORS WHO ARE XXXX AND XXXX XXXX. I AM SICK AND TIRED OF REACHING OUT TO THEM AND BEING THROWN AND TRANSFERRED FROM ONE DEPARTMENT TO ANOTHER WITH NO FINAL RESOLUTION. I AM SO FUROUS AND FRUSTRATED AND DO NOT WISH TO DEAL WITH THEM ANYMORE, ITS ENOUGH TO SAY THAT THEY DONT COMPLY WITH FEDERAL RULES AND REGULATIONS THEY ONLY COMPLY WITH THEIR COMPANIES RULE AND PROCEDURES, AND I EXPLAINED TO THEM BEFORE YOUR COMPANIES RULES AND PROCEDURES YOU MUST COMPLY WITH THE FEDERAL RULES AND PROCEDURES. THIS IS HORRIFIC CUSTOMER SERVICE.
Consumer complaint received 2023-10-24
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. (CT)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (IN)

Ordered a wire transfer via phone call at XXXX on XX/XX/21. Was told that I can not wire to an external account that I am not the owner of. This completely eliminates the ability to use money as money. I needed the funds to close on the purchase of a house. Disclosures and restrictions in regards to withdrawals are nowhere to be seen on the website. The website describes the account, Online Savings Account, as having unlimited withdrawals.

Despite my issue with wanting to wire to an external account, I chose to wire these funds to a credit union account that I am an owner of so that I could then wire from that financial institution. The wire was requested in the same XXXX phone call yet the wire still was not sent by XXXX on XX/XX/21. I contacted the bank through chat and explained the importance in getting these funds in order to close on a house. Was called at XXXX on XX/XX/21 and was asked to verify that I am the accountholder with the institution the funds are being transferred to. This was done successfully. As of XXXX on XX/XX/21, the wire still had not been completed.
Consumer complaint received 2023-10-24
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. (TX)

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

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-24
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: EQUIFAX, INC. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.