davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I've contacted Experian on several occasions to inform them they are reporting false personal information on my credit report and nothing has been resolved yet. The addresses they have reporting are company addresses that doesn't belong to me and causing my credit rating to go down and misleading to creditors. Here are the addresses ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also update my EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-22
Product: Credit reporting 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: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

In XX/XX/XXXX I signed a new auto lease with XXXX XXXX/Toyota Financial, I had a bank checking account with XXXX used to make payments. In XX/XX/XXXX I had identity theft with XXXX XXXX, XXXX XXXX XXXX and USPS Mail system whereas my accounts were hacked, my mail were stolen and used to steal the credit cards. All accounts used to make online payments were decline and unable to be used after the identity theft. 
I have mailed the credit bureaus and banks with a copy of 2 identity theft police report : XX/XX/XXXX ; Second police report XX/XX/XXXX ; A stalking police report, XX/XX/XXXX ; As per part of the Victim Compensation Program of the State of Illinois I received a letter that states the prohibitions of any late payments not to be listed on the credit report as part of the Victim Compensation Act Program, any theft account open as a result of the identity theft/mail theft to be removed from the credit report ; In ordinance to avoid additional damages to the victims of crime in the State of Illinois, Federal laws enforce the forgiveness of late payment as per part of the crime that has occur and therefore no late penalties, late fees should be listed or reported to the credit bureau for the entire year of such. The consumer was also a victim of identity theft and robbery at the place of work at XXXX XXXX XXXX ( State of Maryland ) in XX/XX/XXXX, a purse was stolen from the consumer 's work office station containing a wallet, cash, XXXX XXXX XXXX Credit Card ( account closed and removed from the credit report ) social security card, driver 's License ; I had to close all account and depend on mail in money order to make payments to this account in order to keep up-to-date. I am a paid subscriber of the credit bureaus XXXX, XXXX, and XXXX whereas my credit it is currently locked and monitored ; A FTC Identity Theft was also provided to the credit reporting agencies, USPS Mail Inspector , drive 's license and utility bill along with all police reports were mailed to all credit bureaus agencies.
Consumer complaint received 2024-10-08
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (IL)

I have {$700.00} plus deposited into my XXXX program debit account. She said my XXXX which they had on file wasn't safe to send a code to when I requested to get a knew card mailed to me and shut off the original card. They told me I could not report the card lost or stolen. Then they decided to lock me out of my account requesting proof of identity. I send ID, social, case number, and whatever else they requested to XXXX and they email back saying to send a none expired photo I'd and my id is not expired. I replied to the email and called back again was told to send it again. So I did..then am told to wait. I am not able to access funds. Mobile app. Update my contact info, order a new card. Can't use current card. They let me deposit XXXX like two or three times to my XXXX decline every other try. And I ordered XXXX pizza between the time they blocked me out and I requested a new card.
Consumer complaint received 2018-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form Capital one XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Hi, I am writing to report an unauthorised block of my account from Coinbase Inc., headquartered in XXXX XXXX, California, United States. 

Coinbase has suddenly put my account 'under review ' and blocked my account from trading/funding/withdrawing without any prior notices since XX/XX/XXXX. I have sent a number of support tickets to Coinbase, however, I only received automated responses from them that asked me to wait. There is absolute zero transparency in terms of what they are reviewing. I have been a fully verified customer since XX/XX/XXXX. Moreover, they reviewed my account in XX/XX/XXXX and completed the activity. The fact that they are blocking users from trading and accessing their funds can somewhat be regarded as a market manipulation activity.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (LA)

i have a loan with chase bank, i have since traded the vehicle and paid it off. they subsequently still ACH my account for loan payment weeks later. They have not refunded my overpayment and am told it takes 10 business days. 

They can draft your account electronically, clear checks and deposits within hours, but can't return a payment to a closed account timely? Guess they want to make money on the spread. They are electronic when it benefits them, but not the otherway around.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had received notice that they received the payment initially. it was their websites problem and not my mistake because i assumed it was paid. They refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. The account has since been closed but i still see if on me report and its still effecting our ( mine and my husbands ) scores. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-07-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (UT)

I don't have specific dates or amounts, but Navient, who my unbelievably high loans are through, uses what they call " income-based '' repayment plans. In which they review your bank statement and calculate that they can pretty much XXXX up every available XXXX you have. The only other option is to pay whatever the usual monthly minimums are and because my loans started around $ XXXX, my " minimums '' would basically be the equivalent of mortgage payments, anywhere from {$800.00} to {$1100.00} a month. I don't make that kind of money. Never have. That said however, because it was XXXX, I feel like I shouldn't have to pay even half that.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

I am not liable for this debt with XXXX XXXX and I do not have a contract with RADIUSGLOBAL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$88.00}
Consumer complaint received 2021-07-13
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: ENOVA INTERNATIONAL, INC. (IL)

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from Netcredit Fs for the same date, XX/XX/2021. I contacted Netcredit customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Consumer complaint received 2021-07-13
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. (MO)

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 ) XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX  XXXX {$100.00} 12 ) XXXX {$20.00}
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (NV)

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-07-13
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. (GA)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-22
Product: Credit reporting 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I been fighting with them told them my account is not mine and asked for signed papers to show my signature they will not show them just sends other paperwork. I have also told them not to call my work number and not to call at all and they still do and harass me
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

-- - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally request a correction of inaccurate personal information on my credit report, and I wish for it to be updated in compliance with the Metro 2 reporting standards. Below is the information that needs to be corrected : Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

**REMOVE THIS INFORMATION FROM MY REPORT** **Incorrect Information** -Address : XXXX XXXX XXXX. XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX **REMOVE THIS INFORMATION FROM MY REPORT** **Correct Information** -Current Address : XXXX XXXX XXXX XXXX, CA XXXX -Phone Number : ( XXXX ) XXXX I have enclosed the following documents to verify my identity and confirm the accurate information : - A copy of my government-issued ID ( e.g., drivers license, passport ) - A copy of a utility bill or bank statement showing my correct address - A copy of my Social Security card - FTC Identity Theft Report Please update the incorrect information on my credit report to reflect these changes as soon as possible. Kindly confirm receipt of this letter and notify me once the requested corrections have been made. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect the investigation and resolution of this matter to occur within 30 days of receipt of this request. Please ensure that the updates are made using the Metro 2 format to ensure consistency across all credit reporting systems. 

If you require further information or have any questions, feel free to contact me at the phone number or email listed above. 

Thank you for your attention to this matter. I look forward to your prompt action in correcting the errors. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX ( XXXX ) XXXX **Enclosures : ** - Copy of government-issued Passport - Proof of address ( Utility Bill & Bank Statement ) - Social Security Card - FTC Identity Theft Report -- -
Consumer complaint received 2023-03-27
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. (FL)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX XXXX ( XXXX ) Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX  Account # XXXX
Consumer complaint received 2021-07-13
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: Santander Consumer USA Holdings Inc. (MI)

One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.
Consumer complaint received 2021-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (IL)

I have a checking and personal line of credit Citibank offers for bounced checks. In XX/XX/2021 I overdrafted ( which I have not done very often maybe 3 times in more than 25 years. 

I have an auto pay set up with Citibank, and when my personal overdraft account was emptied, even though I had money to pay my auto-pay bills in my checking account, they quit paying my credit cards which were set to auto pay on XX/XX/2021. 

Because of this, I not only got a hit from Citibank due to my negligence, Citibank because they failed to pay my auto-pay bills for two months, I am now deliquent for six accounts that were on Auto pay. They basically just shut down my auto pay even though there was money in my account. 

They did not notify me of this practice. I only found out when my cards started getting rejected at the register