davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion. refuses to remove previously deleted itms from my credit report. XXXX XXXX and XXXX remain in the negative accounts portion of my credit report. depite numerious attempts to dispute the inaccracies and chapter XXXX bankruptcy proof provided to trans union. transunion has refused to place ginnys and XXXX XXXX in closed accounts. Transunion also refuses to to place student loans ( US department of education, XXXX, and XXXX in accounts in good standing. defferment and/or forberrance documentation was submitted in numerious dispute attempts previously.
Consumer complaint received 2023-06-07
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. (FL)

XXXX Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have XXXX HELOC and none of the other XXXX asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

ADVISED MY CREDIT CARD WOULD HAVE RESTRICTION LIFTED. CONTINUED TO HAVE AN ISSUE PAYING DUE TO ILLNESS, CALLED AN EXPLAINED MY SITUATION, ADVISED OFFER TO LIFT RESTRICTION ON CC WAS RECINDED- BUT WOULD BE PLACED BACK ON ACCOUNT IF PAYMENTS ARE MADE AND ACCOUNT UNDER LIMIT, CALLED XX/XX/19, ADVISED RESTRICTION STILL ON ACCOUNT
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.
Consumer complaint received 2018-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
Consumer complaint received 2018-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance
Consumer complaint received 2018-07-29
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. (TX)

My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX
Consumer complaint received 2018-07-29
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. (TX)

My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/XXXX i visited a CVS store and transferred via MoneyGram {$1100.00} to my father who is currently living in XXXX. I payed {$22.00} in fees and the transaction was money in minutes. The total amount was : {$1100.00}. Unfortunately, my father tried several times to withdraw the money but in vain. MoneyGram did not release it. 

Until today, my father is still waiting for the funds i sent him. When i called MoneyGram on XX/XX/XXXX, the customer service representative by the name of XXXX told me that they have just released the money i transferred 2 days ago. He was unable to explain to me why that happened.He also declined my request to speak to a supervisor.I informed him that the money was needed A.S.A.P for my sick mother who must pay first to get seen at a doctor 's clinic. 

Unfortunately MoneyGram claimed that i could get my money in minutes. That is clearly stated on the reciept i got from them. That is not true and i need to be compensated for the damage done. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card Capitol one refuses to reimburse me, even though I have done everything in my power to fix the problem they have created for me, cheating me out of money I need. 


I have contacted this company multiple times starting months ago. I am being charge LATE FEES every month since XX/XX/XXXX. I had set up minimum auto payments on this account when I opened it up late XX/XX/XXXX. 
I have emails and statements proving these facts. 

XX/XX/XXXX statement summary - {$25.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE XX/XX/XXXX statement summary - {$38.00} FEE These up charged have caused a very negative effect and I have been forced to pay MORE as a result. 

The manager I spoke to said there was nothing I could do and he couldn't help me. 

Please help! Not sure what I can do and I am being taken advantage of by this company!!!
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

it says i owe XXXX dollars  with navient from when i was at XXXX XXXX college but when they were in that lawsuit i have pics on my credit reporting showing that it was paid off but navient called me a liar saying there was no lawsuit and saying it wasnt paid off this was all said over emails on their website and over the phone let me remind u in the pics im sending it says ive made payments wich i have not because im struggling these showed up when they had their lawsuit thats how i know it was paid
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC (CA)

I received a letter from Credit Control , LLC regarding an alleged credit card debt owed that they wanted me to pay. I replied with a letter I sent to to Credit Control , LLC asking them to please document and verify the alleged debt. The letter I sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law.Credit Control, LLC response to my request was to send me a document which they said was an account summary. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I received promotional mail to open HSBC advance account, by XXXX XXXX, 2019 keep $ XXXX for 90 days and receive {$370.00} in 8 weeks after meeting the 90 day rule. I followed the instructions - there was option to apply online at : us.hsbc.com/earn375 - I applied on XX/XX/XXXX and received the below confirmation however I still have not received the {$370.00} welcome deposit ( last call XXXX XXXX, 2019 ) and HSBC is declining on the basis that I have not applied on the advertised website. However when I applied I received confirmation on XXXX XXXX, 2019 : " You've completed the online application ... You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account within eight weeks after completing all qualifying activities. Its that simple. '' HSBC is ignoring my attempts to provide them with evidence of the mail promotional material or the application ID as they say their system does not allow to attach snapshots or I can't e-mail customer service due to security concerns, they also can't put me in touch with Marketing or any of their managers because the person who took my case is the one who need to talk to me but he is never available for the last 20ish days. I brought the mail to a HSBC branch and asked the rep to photocopy it and attach it to my case, he did make a copy but could not find out where to attach it because noone responded to his query. I called multiple times to ask how to provide this evidence for their investigation but they don't know how to respond and generally waste your time on the phone, l have called 5 times already, and it takes 15-30min on the phone to get another promise someone will call me in 48 hours and first noone ever calls, it has been 6 days so far since the last call and I don't really think they need to call just deposit the money. It's that simple.
Consumer complaint received 2019-11-25
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: CORELOGIC INC (TX)

I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXX. We are looking to purchase a house and this is holding us back. Thank you!!
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ZWICKER & ASSOCIATES (NC)

On XX/XX/2019 until the present, Zwicker and Associates has violated my rights. The following things happened.

( 1 ) Zwicker & Associates, PC, the company that is filing this claim has no consumer insurance license to collect in the state of North Carolina. According to the North Carolina statues 58-70-5, Zwicker & Associates must have a license in the state to collect. 
( 2 ) FDCPA rights has been violated under section 807 ( 2 ) XXXX XXXX has charge off this debt, and Zwicker & Associates now owns the debt, and this claim is filed incorrectly. Exhibit A shows that the debt has been charged off which means that XXXX XXXX has given up on collecting this debt. 
( 3 ) My FDCPA rights has been violated according to section 809 ( a ) 2-5, that they are required to send a notice of debt, and I never received a notice of debt or validation of debt. 

Zwicker and Associates is only licensed in 3 states and not North Carolina. This is a felony in the state of North Carolina.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In the beginning of 2019 I disputed a debt with Portfolio Recovery due to finalization of acknowledgement from XXXX XXXX themselves that the account was fraudulent. They stated they sent the request to the credit reporting agencies and it would be removed. This was pertaining to account ending in XXXX. It was then removed from the credit agencies. 

Now it is back reporting on my credit and I have to go through this process again of getting it removed. I've sent multiple communications to Porfolio Recovery as well as a copy of the evidence letter provided from XXXX XXXX each time that states that this account was fraudulent and will be removed off my report. This was dated XX/XX/2019 which was prior to the letter of them recovering the account from XXXX XXXX dated XX/XX/2019. 

I'm not sure why they were even ever able to recover the account. I have tried to communicate with them and provided the evidence for it to be removed but they are not responding to the evidence provided and I would like this removed off all my credit reports yet again. This is highly aggravating to have to go through this entire process again. How it was previously removed and now it's back is beyond me. I'm not sure what further information they need when I've provided what they requested which was a fraud affidavit they requested and the requested evidence from the Credit reporter themselves again that it was fraudulent. I'm not sure what else to do and it's very overwhelming.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have had a continuous unauthorized charge from XXXX XXXX all thru 2019 yet Bank of America refuses to stop the payment. Bank of America stated they can not stop the unauthorized payment. I have contacted the XXXX XXXX  several times about my cancelled membership and to stop payment yet this seems to be a mute point. Currently within a month I have had {$100.00} taken out of my account illegally and unauthorized.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

SN SERVICING CORPORATION ( servicer ) is filing foreclosure on my home on behalf of XXXX XXXX XXXX TRUST a nonexistent trust/entity according to Securities and Exchange Commission records. They are perpetuating fraud on the court to claim ownership on my home as this alleged trust was never formed/created with no Pool and Servicing Agreements to show that they are a party of interest.
Consumer complaint received 2019-11-25
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize.

Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX