davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-12-29
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. (MN)

From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low XXXX when I know it should be in the high XXXX. And I work hard on it and would like all my XXXX points back at least to get me back in the XXXX. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX XXXX XXXX in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Trans Union, is misreporting credit information - inaccurate beacon score and, incorrect balance owed to a particular creditor, the VA XXXX XXXX XXXX. I, filed an online consumer dispute in XX/XX/2020, Trans Union claims they never received. I re-filed a second complaint on or about XX/XX/2020 ( still unresolved ). My credit beacon score has been lowered due to these inaccuracies. I pay my bills before I eat - why am I being penalized, being subjected to their inaccuracies. Why?
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (TX)

I was informed by letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX that XXXX  Mastercard Account Number Ending in XXXX was sold to DNF Associates. This account is a fraudulent account due to identity theft. On XX/XX/2020, I filed a Small Claims Case against XXXX XXXX XXXX XXXX in XXXX County, Texas. Case No. XXXX is supported by Police Report # XXXX, Officer XXXX, XXXX Police Department ( XXXX ) XXXX.
Consumer complaint received 2020-06-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}
Consumer complaint received 2020-06-07
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: EQUIFAX, INC. (NV)

Equifax froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. EQUIFAX GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined Equifax XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (VA)

They lied and said they don't see them debiting money out of my checking account on the XXXX of every month. 

There was an unauthorized charge came through my checking account and the bank had to close my account. This unauthorized charge took 50 % of my whole check so my bank had to close my debit card. I did not know they closed my debit card. Because I agreed to have them to draft the money on the XXXX. I went to the bank an got a new debit card. I put my new debit card as soon as I got it in the SELF dashboard. So they had my new debit card on the XXXX and my agreed upon payment was paid on. The XXXX on time. Meanwhile they went into my debit card on the XXXX a couple of times and they dropped my credit score by 70 % and they got there money on time. I was never left and they got my new debit before the XXXX on time and there were suppose to have a grace period before they mess with your credit. The agreement was them taking the money from my account on the XXXX not before. I paid them on time and my credit dropped by 70 %. I cancelled my SELF credit builder account and I asked why did they went into my checking account before the XXXX and all they kept doing was lie and they got mad because their attempt failed on XX/XX/XXXX did not go through and they lied about them drafted money from my checking account. 

I done nothing wrong so I closed my credit builder.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Ally financial is reporting a charge off on my account and the account is paid in full, and has been over a year! I have disputed this with XXXX  several times and they still are reporting incorrect information, most recently on XX/XX/2020, and they came back with results of me owing {$3400.00}, I also contacted ally financial and XXXX XXXX XXXX who represents ally financial!
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

XXXX credit reporting, for 5 years I have disputed a collection on my credit report from XXXX  XXXX XXXX, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX. the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " XXXX  XXXX XXXX XXXX/ XXXX XXXX XXXX  ''
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I HAVE BEEN ASKING USAA HOW USAA PERMANET CREDITS APPEAR ON STATEMENTS. How are they shown on statements different than temporary credits. Good Lord see all USAA CFPB RESPONSES PERMANET CREDITS APPLIED TIMELY. USAA HAS BEEN UNCOOPERTIVE IN PROVIDING THIS INFORMATION FOR OVER 2 YEARS NOW. ( ** I FINALLY FOUND PERMANET CREDITS LISTED ON STATEMENT See attatched XX/XX/XXXX STATEMENT. ** ) XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$170.00} XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$75.00} ( ** AND THEY ARE INCLUDED IN TOTAL CREDITS FOR THIS PERIOD ** ) just as I thought they should show but USAA HAS BEEN DENYING TWO YEARS. SO USAA Where are the PERMANET CREDITS INCLUDED IN TOTAL CREDITS THIS PERIOD XX/XX/XXXX {$470.00}???? PERMANET CREDITS see attatched USAA FRAUD CLAIM DATE XX/XX/XXXX NOW THAT I FINALLY KNOW HOW PERMANET CREDITS APPEAR ON STATEMENT I MUST ASK?? Where are the permanet credits of unauthorized transactions of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN TOTAL CREDITS FOR THIS PERIOD??????? THEY DO NOT EXSIST.
Consumer complaint received 2020-03-11
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: EQUIFAX, INC. (GA)

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct # XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-05
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: Conn's, Inc. (CO)

I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. 

I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. 

I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I WAS APOROVED AND SENT CARD See attatched Capital One Credit card statement due date XX/XX/2019 card ending XXXX I WAS UNABLE TO ACTIVATE AND USE CREDIT APPROVED. 1 )?? WAS IT BECAUSE I AM XXXX & CAP ONE IS NOT WCAG 2.1 ADA COMPLIANT FOR MY XXXX  XXXX? 2 )?? WAS IT BECAUSE I am XXXX unknowable technology? 3 ) WAS IT because see attatched Cap One XX/XX/2019 DATA SECURITY ISSUE? WAS THIS PUBLICLY ANNOUNCED IN THE NEWS?? See attatched Fax Documentation Provided to Cap One TO NO AVAIL. I had to close this account because could not use. This lowered my credit score. Cap One is NOT ADA COMPLIANT CONSUMER UNABLE TO ACTIVATE.
Consumer complaint received 2020-06-05
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. (AL)

I was trying to cosign for my cousinhicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX XXXX {$1700.00} XXXX {$17000.00} XXXX {$260.00} XXXX XXXX {$3300.00}
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I informed Transunion in XXXX that the information on my credit report needed to be corrected. I had a name change due to identity theft, and Transunion have not removed the old and inaccurate information from my credit report. It is now XXXX, and I have asked them since XXXX to fix this persistently. Transunion keeps telling me they've removed the information but they have not! My name was changed in 2019. 

Attached is a screenshot for your viewing of the inaccurate information, underlined in RED.
Consumer complaint received 2021-02-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (OH)

I have been garnished for student loan payments since XXXX and have paid over 22k to Pioneer Credit RecoveryXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested my payment history due to contacting the Department of Education stating my loans are still in default. The covid-19 emergency student loan payments have been extended until XX/XX/XXXX but I have been garnished again since early XXXX. I haven't been able to get information from them to tell me where my money is going. I want to get out of default and my XXXX has not done that for me. I want the money applied to my student loans. I participated with Pioneer Credit 's rehabilitation program and completed it last XXXX. I have no information on the next steps on my student loans.
Consumer complaint received 2021-12-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC (FL)

While I was in forbearance with my mortgage lender they are not supposed to send any negative remarks towards my credit bureau which they have been I have contacted the credit bureau I have contacted my bank lender and not I should have been done to remove this negative remarks I want action being taken against them and I want these negative remarks be removed from my credit as soon as possible. The name of the bank lender is planet home lending
Consumer complaint received 2020-06-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (SC)

I get setup on a 'hardship program ' with Braclays Bank Deleware Frontier Mastercard on XXXX XXXX, XXXX. The setup a scheduled payment for the program for the XXXX of each month thereafter ; on XX/XX/XXXX the payment drafted my account, when I reviewed my bank account on XXXX XXXX, XXXX, I did not see the monthly payment debited. I called that day and found out they only scheduled XXXX for autopay, and I make XXXX payment on XX/XX/XXXX in full. I then found out through my credit monitoring service that my score dropped about XXXX points because Barclays reported me 30-days late. I called Barclays back to find out what happened, they then proceeded to tell me that a prior statement went out around the same time I had enrolled in the hardship program, at the end of XXXX, and that was likely why it was reported to my credit as late. So they said they would credit the account for some interest and other fees that I was charged, and required me to make an additional payment to get the " account current '' ; but I was not otherwise made aware this account had an outstanding balance when I setup the payment program. I was told the payments that they scheduled, and the {$230.00} per month was all that was needed. So after waiting on credits to update on account, they still did not properly report to credit bureaus that my account was not late. It has never been 30-days late, and for the month of XXXX, XXXX where my credit report is showing a 30-day late status, the payment was made within 5 days of the due day, which I had thought was setup as an automatic payment. The account was Never close to 30-days late. 
Payment XX/XX/XXXX ; conf # XXXX Payment XX/XX/XXXX ; conf # XXXX ( I also setup 12-month automatic payments to ensure this was not an issue ) Payment XX/XX/XXXX ; conf # XXXX Clearly you can see there were no 30-day late payments. I have not had a 30-day late in 26 years on my credit... this is inaccurate and severely damaging to my credit and at this time I am trying to do a refinance on my home. This credit impact will prevent me from getting the best rate, and can cost me thousands of dollars in interest over the term of a home refi. I need this inaccurate reporting removed.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

CHASE CREDIT CARD HOLDS PAYMENTS! Payment to Chase Credit Card in Delaware made from XXXX XXXX  in Utah was sent to them on XX/XX/2020. Payment charge appeared on my XXXX XXXX XX/XX/XXXX. As of today, XX/XX/XXXX, 15 days later at almost XXXX  from when payment was sent, in the amount of {$7100.00}, has still NOT been applied to my Chase Account. Chase appears to be holding payment hostage while continuing to RACK up their ridiculous compound interest. This is beyond bad business practice, and should be against the law! I'd like to report Chase 's blatant negligence to apply {$7100.00} to my account as soon as they received it vs holding my funds in their own account. Is this illegal? If not, it should be! Please advise legal actions & proper steps to take against their absurd business practices. How is this company allowed to be in consumer industry?