davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX credit bureau, have already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (IL)

I've been in contact with XXXX XXXX in order to remove a XXXX late payment notice off my credit from XXXX of XXXX until XX/XX/XXXX. The last time I'd contacted XXXX XXXX, I was informed that they had updated my report to reflect that the 30 day late payment was removed. I checked my reports XX/XX/XXXX and noticed the changes. On XX/XX/XXXX equifax reversed status has reapplied 30 day late payment to my report, even though they initially removed and XXXX XXXX agreed to have it removed as well.
Consumer complaint received 2024-06-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NV)

My friend and I recently went shopping at TJ Maxx XXXX XXXX XXXX XXXX XXXX. While checking out the cashier asked if I would like to join their, and I quote, " membership program ''. Thinking I could earn some points, I gave my information as prompted on the card reader. It was not until my friend came over and informed me I was really signing up for a credit card and if that was what I meant to do. I explained I did not know it was a credit card I was signing up for, I thought it was a store loyalty program, and I wanted to cancel. I asked the cashier to please cancel the application twice and twice she said it was too late and that it technically WAS a membership program. It was very deceptive of the cashier to not mention once that it was a credit card she was asking me to sign up for. I am not experienced in signing up for credit so I was not aware when I was putting in my personal information. I would like others to be aware that employees of TJ Maxx are not forthcoming about credit card offers and will disguise the request as signing up for a " membership/loyalty program ''. Shame on them and now I have to keep open this card so it does not harm my credit.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (FL)

I want these credit hard inquiries removed I dont authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX XXXX I have received a text from Chase saying that " We declined {$54.00} with card ending XXXX at XXXX XXXX asking if its me. I have replied " No '' Chase Fraud dept wrote " we will close your account and send you a new card '' On Monday which is the XXXX of XXXX I have noticed there are XXXX other transactions are fraud. So I called them Chase Fraud Dept saying that no worries we will remove these XXXX transactions. Chase asked me if my card still present and its with me. I have told them that YES, I still have the card and its not lost or anything. Then Chase said these XXXX transactions are done in person with the chip or tap. I told Chase that was not me, I did not buy or shop from these places. A day later I checked my online statement and these XXXX transactions were removed. 

XXXX transactions : First is on XX/XX/year> at XXXX XXXX XXXX {$910.00} Second is on XX/XX/year> at XXXX store # XXXX {$1400.00} On XX/XX/XXXX as I logged on my online statement. I see those XXXX transaction backed into my account. Right the way I called Chase. Chase saying since the purchases are done in person charges are reversed. I have told them I did not make these purchases, they want me to call merchants. I do not know how my credit card got cloned/duplicated, if it got cloned or duplicated still not my responsibility. Chase might need a better security to protect their customers. And I do not even know any information about this XXXX XXXX XXXX so as Chase ( When I ask about this merchant ) I have also told Chase ; How is my responsibility if merchants do not check buyer 's ID. If merchants check buyer 's ID this will not happened. Now Chase is re-openning this claim. 

I hope Chase will remove these XXXX transactions both of them added up to {$2300.00} that's alot of money which I am not the person who did it. Consumer finance if you guys can help me in any ways please do. Thank you.
Consumer complaint received 2024-06-04
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

Ive been trying to make payments since XXXX. I made 2 small payments and it was reversed twice. I dont like being delinquent in my payments. Im also paying on private loans as well its a lot to deal with and not being able to at least pay something to my Edfinancial loan is frustrating me. I signed up for the income driven repayment plan and Ive yet to repay anything because of this issue. Its already a burden paying {$1300.00} on my private loan, I really dont need these problems with my federal loans. Getting in touch with someone is like climbing a slippery mountain and it should NEVER be that way. Its a crime to offer repayment plans then charge interest on something someone is trying to pay but you continuously reject. Do better Edfinancial.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX Account Number - XXXX XXXXXXXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I XXXX XXXX around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the XXXX XXXX XXXXXXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX  on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXX XXXX XXXX myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to XXXX and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for two disputes one for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for XXXX XXXX XXXX revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under XXXX and the rest of equafax and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Consumer complaint received 2024-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

In XX/XX/XXXX, I received a bill and paid my monthly payment, but I was later placed in forbearance for that month ( along with many other borrowers ) due to Mohelas late billing. 

On XX/XX/XXXX, I called Mohela to request a refund for that XXXX payment. The Mohela representative advised me this could take up to XXXX business days. 

I have since called to check on this refund on XX/XX/XXXX ( 5 months/89 business days after the request ), XX/XX/XXXX ( 7 months/133 business days after the request ), and XX/XX/XXXX ( 8 months/145 business days after the request ). Each time I have called, the representative has told me they will submit a request, but my only option is to continue to wait. 

As it has now exceeded 160 % of the originally quoted time to refund, with no refund or additional information in sight, I am requesting assistance in getting to the bottom of this and receiving my refund as soon as possible.
Consumer complaint received 2024-06-17
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. (MD)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (FL)

I C System INC account # XXXX I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification.
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, Equifax, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. 

That is false information they are telling me. Account listed below : XXXX has it listed as XXXX XXXX XXXX : XXXX Equifax has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit. The ground for removal has also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (NY)

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 Accounts passed on that should be taken out or remove. 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-27
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. (AZ)

Equifax ; XXXX  and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IA)

Fraudulent charges were made on my Wells Fargo credit card from XX/XX/XXXX through XX/XX/XXXX. Wells Fargo had stopped sending me statements in XXXX of XXXX. As a result, I had no visibility of the fraudulent charges. I discovered the fraud when Wells Fargo reported me to the credit bureaus. I immediately contacted Wells Fargo and reported the fraudulent charges. This was in XXXX of XXXX. Wells Fargo responded in writing that the fraudulent charges would be removed from my account. Wells Fargo has not yet removed the fraudulent charges from my account. Despite many attempts at resolution, Wells Fargo remains in violation of the Fair Credit Billing Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Auto Trakk, LLC (PA)

On my XXXX reports there is is closed AUTOTRAKK LLC account. The account was opened XX/XX/XXXX the date the account went into default and never brought current was XX/XX/XXXX. According to the FCRA because the date of default is more than 7 years ago, should be removed and no longer had an adverse effect on a consumers ability to obtain credit. The account was also removed then reinserted on my XXXX report without any prior notification before or after it reappeared on my report.
Consumer complaint received 2024-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (FL)

I reach out to my mortgage company Selene after speaking to my XXXX insurance company XXXX XXXX to find out what my premium payment is. Upon my review Selene appears to have over analyzed my escrow. I have ask them to revise their review and they have not complied. I have been tryin to reach someone directly to speak with in the escrow department and no response. I have been trying to provide my declaration page of my insurance but do not have a department or point of contact. Selene has been horrible in assisting with this review. But have been calling to collect on this extremely excessive mortgage payment. My mortgage payment is too high causing a difficult hardship.