davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (OK)

I was looking over my Consumer Report and notice these collections on my credit as I haven't checked my credit in a long time so in this case please remove these collections off my credit Report. have tried to contact companies and no response
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Due to the Oklahoma Flooding and Tornado Disaster we were forced to move. We moved out of state due to prospectively gaining employment at a hospital. We were approved for a payment arrangement on XX/XX/2019 and filled out complete for both auto loans, and mailed on XX/XX/2019. 10 days later only one auto loans was processed for the extension, the other was never processed to date. Capitol One states that they never received the second extension signature page. I find this odd because both sheets of paper were mailed in the same envelope and one auto loan was in fact processed. They have now denied me an extension due to not replying and completing the sign form.
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (CO)

This is in reference to swbc loan # XXXX. 
I was approved for a 6 month forbearance plan under the CARES act XX/XX/20. At that time I was also insured that this was not to have any record whatsoever on my credit report under the condition that I resume paying my mortgage when the forbearance plan ended as per conversations with executive resolution specialist XXXX XXXX with our last contact XX/XX/20. I have been making timely payments since the plan ended yet discovered that swbc placed record of this on my credit reports which has negatively impacted my personal credit rating. If I was not promised that this would not be the case I would not have enrolled in the forbearance plan since I work hard to maintain impeccable credit and do not appreciate the frivolous this company has done this despite stating they would do otherwise.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (FL)

Debt collection agency is stressing me with lawsuits and certified mail. I am XXXX  and XXXX  I had tried to contact them to verify no contact response has been made with evidence proving I did transactions or debt. need to know what identification was used when credit was issued to whom and what address. I do not go shopping because I am disable and do not have any income expect XXXX which i can not barely live off of and I am on a fixed income need help I am being harassed after hours and XXXX hours outside normal business hours and threaten with legal action just because I request evidence of me owning debt. it is retaliation due to me asking question because I have no recollection of debt and am a victim of identity theft
Consumer complaint received 2023-10-26
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. (MN)

The following credit card accounts currently listed on my Experian and XXXX credit report was opened by the following banks without my consent or authorization : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-06-19
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. (TN)

This account was paid off XXXX  2024. Since then XXXX, TransUnion and XXXX has updated the account as charged off for the month of XXXX  2024. 
They are not allowed to report a debt as charged off when it has been paid in full. This is a violation of the Fair Credit Reporting Act ( FCRA ) You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-19
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)

recently i looked at copy of my credit report and noticed several inaccurate in my account. this account is hurting my ability to obtain credit. I don't have any contract with this company and a don't know it. it is my undertstanding that you will investigate these items for me to ensure accurate : transunion : XXXX / NUMBER ACCOUNT : XXXX DATE : XX/XX/2024 XXXX
Consumer complaint received 2023-10-26
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. (MO)

On XX/XX/2023 I personally went to the XXXX XXXX of Missouri courthouse and requested a document stating that the courts do not report to third party credit bureaus. On XX/XX/2023 I received a response from the court stating that they do not report bankruptcy to anyone. So if that's the case how did the credit bureaus verify my bankruptcy is 100 % accurate? They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 State the terms investigative consumer report means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such of the information. However, such information shall not include specific information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor or a consumer or the consumer. 

They have also violated my rights numerous of times.

The credit bureaus violated my given rights under 15 USC 1681.

According to USC 1681 section 6028 States I have the right to privacy.

According to 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 a person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
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. (TX)

I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they refuse to remove the information certified its accuracy under false pretenses.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A XXXX account appeared on my credit reports for all XXXX reporting agencies in XXXX of 2018. I filed a police report and followed all of the instructions XXXX and the credit agencies requested. It still shows on my report to this day. It was opened, from what XXXX says, in XXXX, which I have never lived in, and is with a company I have never had an account with ( XXXX ) In short they refuse to do anything. I have been trying for three years to fix this and finally found out about this service.
Consumer complaint received 2023-10-26
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate items 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
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2023 there was a hard inquiry showing on my credit report stating that Capital One performed a hard inquiry. Therefore, I contacted Captial One and the credit bureau as well as XXXX to let them know that I had not applied for a Capital One card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

On XX/XX/2023 there was also a hard inquiry showing on my XXXX credit report showing that a XXXX card was also applied for and a hard inquiry was performed on my credit. Therefore, I contacted XXXX, the credit bureau, and XXXX to let them know that I had not applied for a Chase card and was unaware that this had been done until I was reviewing my credit report on the XXXX website. 

The customer service representative for XXXX explained that I needed to do a inquiry dispute on their website, which I did perform. After disputing the hard inquiries, they were dropped off my credit report. 

As for Capital One and XXXX, both companies looked into the issue to see if there was an application on file ; however, both companies told me that they did not see any applications in my name. 

On XX/XX/2023, I saw that another hard inquiry had been placed on my credit report from XXXX XXXX. Therefore, I contacted XXXX XXXX and XXXX to let them know that I had not applied for anything at XXXX XXXX  and this was fraudulant activity. XXXX told me to fill out another inquiry dispute. Later, the inquiry was dropped off my report. 

Fortunately, I was able to catch the matter before any money could be charged on the cards.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

XXXX XX/XX/XXXX I purchased my XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. To date I have paid {$13000.00} toward the purchase of this vehicle. Ally is showing that I have a balance of {$26000.00} and refuse to deduct the payments Ive made. I have spoken with several of their representatives and have asked Ally to conduct an audit of my account and correct their numbers but to no avail. Ally representatives have been very rude and disrespectful toward me and my daughter. Ally has harassed me and my daughter over the past XXXX years because they do not have their information correct. Ally continues to call me and my daughter with threats to take the vehicle, suggesting we borrow money from our family and friends, suggesting we find a job and pay our bills, its not their problem we dont have any money to pay our bills. The representatives have hung up on us several times even after we have asked them to stop calling, stop the harassment and conduct an audit on our account and correct the errors. One representative stated they will call our family members or whoever they want to call to get their money. Ally made excessive calls that started in XX/XX/XXXX stating that they had not received XX/XX/XXXX payment and still making the false claim to date, Ally is still threatening to ruin our credit and repossess the vehicle. I paid {$590.00} to Ally twice in XX/XX/XXXX to keep them from taking the vehicle yet they continue to deny they received two payments and ruin my credit. They went into my friend 's account and attempted to withdraw a payment after they had already taken a payment and without authorization. Ally denied receiving the payment even after the bank investigated the withdrawal and proved that Ally received the {$590.00}. I was blocked from seeing my payment history on the app. 

NOTE : The reason my payments became late in the first place was because on two different occasions I applied for a deferment. I received the approval for 2 months. On both occasions when it was time for me to pick up the payments, I was told that I did not have a deferment and that I was late even though I had the agreement in writing
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/year> around XXXX XXXX I called Chase Bank to negotiate a settlement for my two Chase cards. I received settlement options for each card and agreed to settle one of my two cards. The representative on the phone instructed me that for a payment of approximately {$1500.00}, I could get one of my accounts current and not have to close it. I immediately sent payment to keep the account open and chose to decline a settlement amount of {$13000.00}. I spent over an hour on the phone between XXXX and XXXX EST in discussing this. 

The very next day, only a few hours later, on XX/XX/year> Chase closed my account of the card I had sent payment to the prior day, without notice or explanation. XXXX days later, when I received notice of both accounts being closed, at XX/XX/year> at XXXX, I called Chase to inquire about why they closed an account that I had made current the previous week. I was told " we are allowed to close your account at any time. '' I told them my prior weeks call had been recorded and that their representative encouraged me to keep the account open and make it current and was told " our representatives are trained to get our customers current on their payments as first priority. '' This was from the supervisor I spoke to named XXXX. 

I inquired about a settlement after knowing they closed my account, and my amount quoted was {$23.00}, XXXX which is more than {$10000.00} higher than the amount that was quoted a week earlier. I was transferred to different representatives six times and was on the phone with them for two hours and 13 minutes with XXXX resolution to my problem. 

I was given deceitful information which directly caused me to make a wrong decision. They claim there is nothing that can be done for my case.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On XXXX it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This is regarding my Capitol One Credit Card. On XX/XX/XXXX, I set out on a mission to purchase a luxury bag for my wife. Went from XXXX Washington, where I reside, to XXXX Oregon. I picked out the handbag at a XXXX store and got flagged for fraud. I called the customer protection team and they were taunting and asking me disgruntling questions avoiding helping me. Eventually I gave in and drove back home to attempt the purchase online. On XX/XX/XXXX I once again attempted to make the purchase online and it was successful ( or so I thought ) and a couple of days later I get a cancellation alert in my email saying it was flagged once again. The email was received on XX/XX/XXXX XXXX XXXX. I re-attempted the order for a different bag online. This time it was for a XXXX bag through its website and got a text message from the bank to call in order to get the fraud hold released. I called not once but thrice and every time the machine said it may be recorded for blah blah etc the call dropped. I called the direct bank phone number and it was just dead air for minutes. This is discriminating and arbitrarily illegal and requires immediate attention. I have plenty of money and have authenticated properly. 

My email is XXXX My personal number XXXX is also the primary phone number on my bank account I look forward to this being thoroughly investigated, Thank you XXXX XXXX