davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
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. (KY)

A Failure To Pay Was Incorrectly Placed On A Credit Card ( XXXX   XXXX ) Account On My Experian Credit Report. In Addition XXXX XXXX Repeatedly Places Varying Collection Dates On This Account In Order To Hurt My Credit Score. No Late Payments Or Failure To Pay Designations Can Be Placed On An Account After It Is Sold To Collections, And XXXX  XXXX Continually Harasses Me By Fraudulently Placing Incorrect Information On My Account. This Company Is Harassing Me By Attempting To Repeatedly Damage My Credit By Fraudulently Reporting False Information. XXXX XXXX Continually Places New, False Information On My Account Every Few Weeks In Regards To A Closed And Sold Account And Does Not Allow Me To Dispute Information
Consumer complaint received 2019-11-19
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. (GA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This is causing injury to my person because i am not able to obtain new credit based on these claims.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (WV)

On XX/XX/XXXX, I returned few items to XXXX store, and they refunded to my Discover debit card ending XXXX, which was closed back in XXXX. Bank has confirmed that even though the old debit card was closed, the refund should come thru to my checking account that was tied to the old debit card. 

After few weeks, I still did not see the refund on my checking account, so I contacted the XXXX XXXX XXXX XXXX, and they confirmed that the refund was made to the debit card ending XXXX and provided me with the transaction detail receipt from their system and asked me to contact the bank directly. 

I have contacted my Discover bank XXXX time to investigate the refund not depositing to my bank account, but they have not contacted me yet.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (FL)

Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.
Consumer complaint received 2019-08-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

The mortgage company Mr. Cooper dba Nationstar Mortgage bought my mortgage from XXXX XXXX in XXXX because I was paying bi-weekly. Ironically XXXX didn't sell off mortgages that were paid monthly. Since being with Mr. Cooper, they ran an escrow analysis and said I have an escrow shortage. The shortage is because my XXXX XXXX for PMI doubled in cost from last year. I have called them and was given a mortgage research number. However this company has the worst customer service. They will not respond to secure mail. They do not follow up when they say they will. I was told that they would contact me with the results of the mortgage research request. They have not responded. I have contacted a supervisor and she will not respond to my inquiries about why my PMI coverage doubled and meanwhile all of my payments have been on time. My mortgage balance is decreasing therefore the risk is decreasing. I could understand an increase in PMI if they had changed companies but that hasn't happened. Nor has there been increased risk of the mortgage not being paid. I was paying biweekly and when they took over the mortgage they made it impossible for me to pay biweekly. I called multiple times. I sent the forms in multiple times, and all times they failed to process the payments biweekly. After all, I would be paying down my mortgage faster and decreasing their profit. I can see why they wouldn't want me to pay it off fast. However, this PMI scam is terrible and they won't respond about it.
Consumer complaint received 2019-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Experian is failing to comply with section 609 a/1 of the FCRA. I am requesting the original consumer signed contract for 4 accounts on my credit report and they are failing to comply. XXXX XXXX XXXX and financial recovers are failing to comply as well. I have tried for over a year to obtain this information and there has been no success in receiving such information.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act # XXXX XXXX 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
Consumer complaint received 2019-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have sent several dispute letters requesting the removal of inquiries that were not authorized. The last one being XX/XX/2019 with no luck in have anyone look into this matter. So today XX/XX/2019 I called and the person that claimed to be a Supervisor/Manager refused any help outside of me sending a letter. I advised i had received several emails about my info being compromised in a security breach but they refused any further assistance and was rude. I asked to be transferred and was denied. So of course nothing was done to correct my issue/dispute.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2019 I went to the bank and deposited checks which added to {$400.00}. I looked in my checking account later and saw that {$200.00} had been subtracted. When I made inquiries at the bank regarding about the {$200.00} I was told that they could only account for {$200.00}. I was asked if I had scanned the checks or knew who had given me the check and I told them I have been banking at BoA for over 20 years and was not ever told I needed to scan the checks. I received the checks while at a conference and I do not know all the persons who gave me the checks. I asked if someone dropped or lost my checks before they scanned them and I was told no. I have a receipt showing what was deposited and I think some numbers had to been put in to show how I got the receipt. I was told that the tellers never put in the numbers and they just enter what ever the customer states on the slip. I put in a complaint and XXXX of the business office told me I me that I needed to go to the Bank where the transaction took place, speak with them about the problem. I returned to the bank and was told by Ms XXXX that the tellers do not enter the checks just the number that person said they were submitting. The bank sent me copies of the checks they could account for from me. I did notice that the deposit slip they sent as what I turned in was not the one I filled out. It was a form someone else submitted showing just the {$400.00}, not the listing of checks that I filled out on the form. I would like to get the return of my money if possible. I still have my receipt and the copy they sent me regarding this issue. I can not understand how I can be held responsible for this problem and no one taking account the bank could have made an error. My missing checks could have been dropped or misplaced. I do not know how to scan the papers to you but I can put them in the mail if it will help. Is there an address and person where I can send the copy of my receipt and the letter I received?
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

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.

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 2023-06-08
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: Affirm Holdings, Inc (UT)

Affirm Inc. Is reporting an account on my credit file that i have never had they keeping telling me if for XXXX mattress which i dont have any XXXX mattress i have tried to dispute this account and they keep telling me that it is still verified as my account so i am going this route to see if this will work.
Consumer complaint received 2019-11-20
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. (NY)

I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to fix it.
Consumer complaint received 2019-11-20
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. (FL)

XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-NOT MINE, XXXX CREDITOR XXXX -NOT MINE, XXXX XXXX XXXX XXXXXXXX -NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX   XXXXNOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, XXXXNOT MINE, XXXX   XXXXNOT MINE, XXXX XXXXNOT MINE, XXXX XXXXNOT MINE,
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

greetings my name is XXXX XXXX XXXX XXXX and onXX/XX/2019 I attempted to apply for a new credit card because I frequently watch my score and I felt I was good. I then was denied and when i contacted American Express I was informed that there was an issue. I was told that I needed to fax in a copy of my social security card and divers license to the Customer Service Analyst Unit and when I asked why what was the reason I was told that Amex has my last 2 digits of my social security number in their system was incorrect. I faxed in my info as requested and questioned my last decision in which I applied for a new card so what social security number was used to run my credit. I was then told oh we didn't run your credit because we have you in our database already. " nonsense to me ' ... then I applied for a personal loan at XXXX XXXX XXXX and was also denied. they stated my credit score was low. now I understand clearly that there are only 3 credit bureaus. but I use XXXX  XXXX a credit monitoring system to stay on track and was told that I needed to purchase their credit monitoring system cause it was more accurate and the proof I had that was valid from XXXX  XXXX  wasn't valid or acceptable to amex. id like some assistance cause I been with XXXX  XXXX for a while and haven't been steered wrong. I feel amex is covering up their huge mistake that most likely would show more wrongful errors reported to the credit bureaus causing me headaches. please help as when I send your office my proof you will see I've been in the process of rebuilding my credit. 
thank you for your cooperation in this matter
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent, and require immediate attention. 

ACCOUNTS - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX INQUIRIES - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2019-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

So this issue started in XX/XX/XXXX. I woke up one morning and had some late payments that were reporting on my credit. I had called my loan servicer previously to update my payment information and was assured that my auto payments were set up. Well I guess someone at the Dept of Ed/Navient made a mistake and the payment did not draft. When I called Dept of Ed/Navient to figure out what had happened they told my there was an error in my autopay set up. I tried to make a payment then, however, the Dept of Ed/Navient would not accept a payment from me. Eventually they fixed the auto payment so that it drafted from my account, but they never fixed the reporting on my credit. I have requested Dept of Ed/Navient to do so like 3 times already. A similar issue occurred in XXXX when my loans transferred to another loan servicer. I never received statements or any information about whom I was supposed to make payments to so I ended up making payments to the wrong company and got reported late by the other servicer of my loans. My credit is extremely important to me and really these late payments are not my fault. This most recent late is making my score very low and is preventing me from moving forward with my goals of buying a new home.
Consumer complaint received 2023-09-26
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.

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 inructions 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have paid this account in full and when I tried to dispute it the credit buerus recommend that I contact XXXX XXXX. I called them at XXXX and spoke with XXXX # XXXX. He then informed me that card was under the last name XXXX which is not name. I asked him can I have the number to the collection agency and he stated that number is not linked to my account.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There is a private student loan issued by Bank of America opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was student.bankofamerica.com. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.