davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (GA)

I have a account named XXXX  under account number XXXX being reported by both Experian and XXXX. Both accounts have been disputed by me to espirian and XXXX and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - Experian report shows high balance as XXXX and XXXX shows high balance as XXXX. Two ( 2 ) - Espirian report shows date of last activity as XXXX and XXXX shows date of last activity as XXXX. Three ( 3 ) - Espirian report shows date of last payment as XXXX and XXXX report shows date of last payment as XXXX. Four ( 4 ) - Experian report shows last payment made was on XXXX. Contrary, in or on same Espirian report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. Five ( 5 ) - XXXX report shows last payment made was on XXXX. Contrary, in or on same XXXX report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! Six ( 6 ) - Espirian report says XXXX was paid/ o.k.. XXXX report says XX/XX/22 was 30 days late. Both can't be correct. Seven ( 7 ) - Espirian  report shows XX/XX/22 as 30 days late and XXXX report shows XX/XX/22 as 60 days late. Both can't be correct also! Both reports show 7 errors that can't be verified by Espirian or XXXX as true or correct when both reports differ greatly and have such a high amount of errors for dispute.
Consumer complaint received 2023-06-07
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (CA)

I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (TX)

talked to the company and they told me to submit a form to where I explained I was out of work and struggling to pay off my loan they denied it I guess because the job that left me unemployed I couldn't find their business ID I even tried reaching out to my old manager to fill it out for me no response.. so they denied and added fees that made me go way over my credit limit and made my pay off way more
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONLINE Information Services, Inc. (OK)

I was denied at XXXX  XXXX  XXXX  in XXXX, Oklahoma ( XX/XX/XXXX ) I have XXXX children my XXXX oldest live with me, I have never been arrested in my life and Im XXXX years old, Ive never been charged with anything I dont have a criminal record at all, I have a successful career I submitted an application and was denied because they said I had been charged with a controlled substance which is false, so they gave me the numbers to call I requested my Online Information Services I just received my letter today XX/XX/XXXX, and still homeless with XXXX children because of this. I paid to see my criminal record online myself as well and it had that the charge was placed on my record at XX/XX/XXXX just added a year ago I wouldve never able to purchase a firearm, I wouldnt have the career I have and been had if this was true theres been a terrible mistake and now me and XXXX of my children are homeles, but on the consumer report it has that I got charged in XX/XX/XXXX. If I really got charged why wasnt I booked why wasnt I given a bail where is my mug shot. This is false and incorrect I need it off of my record ASAP so I can get a place to live for me and my children. Thank You XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CO)

Hello, I was given a 'serious delinquency ' by AmEx over the summer even though I was making monthly payments. 
They told me there would be " no penalties '' for late payments because I am in the military. 
I XXXX in XXXX ( the same month they cancelled the card ) and AmEx filed the serious delinquency despite my being XXXX and making payments in XXXX, XXXX, XXXX, XXXX, etc. 

I filed a complaint with XXXX  and they didn't do anything, would you please be able to assist getting this removed from my credit report? 

Thanks!
Consumer complaint received 2023-06-07
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. (CA)

This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Consumer complaint received 2023-06-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-27
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. (MI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

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 and 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 ).

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account.

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account.

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2023-06-07
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

UNFAIR CREDIT REPORTING CLEARLY, XXXX   SIDES UNFAIRLY WITH BANK AGAINST CONSUMER. ( Conflict of Intrests. ) See attatched XXXX REPORT XXXX for XX/XX/2020. XXXX I DID NOT OPEN THIS ACCOUNT. THAT FACT SHOULD BE ENOUGH. I requested copies of XXXX License and written signature to open this account ** TO NO AVAIL. I provided ID THEFT case XXXX Report. XXXX DENIED A FIX REQUESTING PERMISSION FROM FURNISHER OF INFORMATION. UNFAIRLY.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (GA)

I contact the IRS several years ago circa XXXX when I realized that I was a victim of Identity theft and someone file a tax return that I did not over a 2 years spam in XXXX. I took all the necessary steps by contacting the IRS to advise them of the fraud and alerting the credit bureau. I file my taxes on XX/XX/XXXX and received a alert when checking the status of my return. After speaking with IRS representative I was directed to contact CBE. A representative at CBE advise me that my taxes was offset for a return that filed in XXXX. I advise the representative that I file a police report as well as contacted all necessary parties regarding the fact that I was as victim of Identity theft. CBE as a collection agency never sent me an initial demand letter advising me of my right to dispute the debt per the FDCPA and by offsetting my IRS return they are in violation of the FDCPA of collecting on a disputed debt that is not mine.
Consumer complaint received 2021-02-20
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. (NY)

I have disputed several inaccurate or/and unrecognizable accounts from my report to the credit bureaus but they are not neither answering nor taking action, i give them 30 days and then try to reach them out again for not answering but they don't do anything anyways.
Consumer complaint received 2021-02-18
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: UNITED COMMUNITY BANK (GA)

I applied for a personal loan with United Community Bank, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

I am XXXX  XXXX, have a XXXX XXXX XXXX ; reading and writing is very difficult ; I am on social security XXXX  -- using the computer is very difficult XX/XX/XXXX Mortgage Company Mr. Cooper is my loan service. When Cooper took over servicing my loan, I wrote a letter asking for public accommodation, modification to policies and procedures so I can call my payment in each month and XXXX waive its {$20.00} over the phone payment fee. My file was noted I am XXXX   XXXX and XXXX and the {$20.00} convenience fee was waived. 

My account was assigned to the Escalation Department and originally I spoke to management of this area who assured me there is no fee for making payments by phone. 

Last month I called and used the computer with assistance of a service rep XXXX it took an hour to find a simple task ). I don't remember if my account was logged in. I learned that once an account is logged in, it sends a message through the computer system that customer is able to use the system which is FALSE. I use a screen reader and I have great difficulty composing letters ( takes forever ) due to my XXXX XXXX. SO NO, USING THE COMPUTER IS NO GOOD FOR ME. 

.XXXX XXXX, XXXX I called to make my mortgage payment as usual and the representative stated there was not record I sent a letter to Mr. cooper mortgage asking for fee waiver and from this date forward a {$20.00} convenience fee would be added for calling my mortgage payment in. I was offered methods of payment that do not work for me. 
1. Pay by check. I do not receive my social security check until the end of the month and it takes up to 15 days for the mortgage company to process my check. So this doesn't work, 2. Pay online -- It is very difficult for me to use the computer and my ability to read. So this doesn't work. 
3. Pay via auto withdraw. I can not always pay my mortgage on the same day and time each month due to other bills ; I am on a limited income and have to pay bills as I am able. So this doesn't work either. 

The customer rep stated she had no record of the ( attached ) letter and the mortgage company would waive the convenience fee of {$20.00} this one last time. She said was was aware of the Americans with Disabilities Act but the mortgage company has alternate methods of payment and therefore they comply with the ADA. 

I need to be able to pay my mortgage by phone or I will be severely put behind.
Consumer complaint received 2021-02-17
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. (CA)

I'VE REACHED OUT TO ALL REPORTING COMPANIES ASKING FOR A SIGNED CONTRACT, AND I HAVE NOT EVER RECEIVED ONE. WE I CONTACT THESE COMPANIES ON THE PHONE AND IN WRITING WITH MY REQUEST THEY NEVER RESPOND WITH A SIGNED CONTRACT. THERE IS NO PROOF ( WITHOUT A SIGNED CONTRACT ) THAT I AGREED AND THAT I AM RESPONCIBLE FOR THESE DEBT 'S!
Consumer complaint received 2021-02-15
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. (MD)

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company to provide me with a letter detailing how they verified this bankruptcy belong to me. By law credit bureaus have 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Consumer complaint received 2020-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MD)

I am writing to complain of the process of Chase Visa that resulted in me being assessed a negative mark on my credit report. I have formerly relied on the Chase Visa smartphone app to alert me for my card payment dates. This failed, resulting in a 30 day lateness which was reported to the credit scoring agencies.I believe this app to be flawed, as I consistently updated the app. This resulted in a substantial drop in my credit score.
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-03-10
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went my Wells Fargo branch on XXXX XXXX XXXX in XXXX, California to close my checking account. I didn't need a checking account. The Wells Fargo employee I worked with told me that I was an important customer because I have my IRA with Wells Fargo Advisers. She told me that I  could have a free checking account, credit card, and safe deposit box. I agreed to transfer the balance of my checking account to a savings account. What she didn't tell me was that the savings account has a minimum balance {$3500.00}. I never had a balance that large in the savings account. I never checked my savings account statement because I thought the money was secure. In XX/XX/XXXX I looked at the statement and discovered that {$10.00} had been taken out of my account for many months. Since XX/XX/XXXX to be exact. I complained to the branch manager that I had been deceived. He explained that my Wells Fargo Advisers account does not make me an important customer to Wells Fargo Bank.He refunded me six months of fees ( {$60.00} ) and helped me open a savings account with a {$350.00} minimum balance. He told me he is authorized to refund only six months of fees and he would request I be reimburse for the balance of the bogus fees. Wells Fargo still owes me {$130.00}.