davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

ON OR ABOUT 3 MONTHS AGO, I SPOKE TO XXXX, XXXX AND EXPERIAN IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I believe my debit card info got stolen by an employee at XXXX XXXX XXXX  in XXXX. The employee stole more than {$1300.00}. I filed a fraud claim with USAA and they refunded my money three days later. I got about 8 letters in the mail about three weeks later saying they are reversing the charges and that they ruled that the charges were valid because XXXX XXXX  XXXX claims I made them. 

I never charged my USAA card at XXXX XXXX XXXX. I attempted to use it and the employee said it wasn't working so I used my XXXX XXXX XXXXard. I provided proof that the only purchases I made were on my XXXXXXXX XXXX  card. My family and I typically go to XXXXXXXX XXXX XXXX XXXXXXXX times per year and rarely spend more than $ XXXX {$170.00} total per visit. The charges on my card totaled {$1300.00} and were all within 2 minutes of each other and ranged from {$75.00} to {$330.00} each, which is insane and could never happen as one {$40.00} card purchase me about 3 hours and Ive never spent more than {$75.00} on a single purchase. Our typical visits are XXXX hours. 

I really would like my money back. It XXXX  me that XXXX XXXX XXXX would protect their employees scamming. 

Thanks in advance for your help!
Consumer complaint received 2023-09-19
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. (NJ)

I have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX  XXXX Remove this fraudulent account from my credit report without any further delay. 
I want to emphasize that I am fully aware of my rights under the Fair Credit Reporting Act, and your organization 's failure to adhere to these regulations will not be tolerated. If you do not comply with these demands, I will have no choice but to escalate this matter to the highest levels of authority and pursue legal action against your organization for the damages it has caused to my financial well-being and peace of mind.
Consumer complaint received 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never give them written consent to report them.
Consumer complaint received 2024-07-10
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. (MD)

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX or XXXX XXXX XXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE SELECTIVE SERVICE on XX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of my registration with the SELECTIVE SERVICE on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I am unable to log into my American Express Account. I have tried all methods such as clearing cookies using a different browser. It will not let me log in and I am facing the issue " We are experiencing temporary issue '' screen for a long time. The problem is the account itself. I have tested the American express website with a relatives account on my desktop and I was able to log into theirs. I have contacted the CEO and he also did not respond.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with CITIBANK N.A with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA.
Consumer complaint received 2024-07-10
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. (NV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Received a recent email from EXPERIAN advising that my FICO /EXPERIAN credit my been dramatically reduced by them.

I spent over a half- day on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX credit score was tossed into toilet by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to clobber and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (NJ)

I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provide me with the documents their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to express my deep dissatisfaction and frustration regarding the several unsuccessful attempts to remove a charge-off from my credit report. Despite persistent efforts, the charge-off remains, adversely affecting my credit standing and financial opportunities. 

I discovered a charge-off entry on my credit report, and since then, I have diligently followed the necessary procedures for disputing and seeking the removal of this negative information. Despite my multiple attempts, the charge-off persists, causing undue hardship and impeding my financial opportunities. 

I wish to bring the following issues to your attention : Inadequate Resolution Attempts : Despite multiple requests and disputes, it appears that the attempts to rectify and remove the charge-off entry from my credit report have been unsuccessful. The lack of progress is disheartening, and I am left with a negative mark on my credit history. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the dispute and the actions being taken would have provided reassurance during this challenging period. 

Continued Adverse Impact : The presence of the charge-off on my credit report has adversely affected my creditworthiness, making it difficult for me to secure favorable terms for financial products and services. This has resulted in financial strain and limited opportunities for improvement. 

I understand that addressing charge-off entries on credit reports is a complex matter, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the charge-off entry from my credit report. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX  Balance : {$2600.00} ; XXXX XXXX XXXX  Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$44.00}.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing regarding the fraudulent accounts and transactions that have appeared on my credit report due to identity theft. This unauthorized activity was committed without my knowledge or consent, and it is causing me significant distress, financial harm, and reputational damage. I have already reported this crime, and I now urgently request your full cooperation in swiftly removing all fraudulent information from my credit file and conducting a thorough investigation.

Resolving this issue promptly is of utmost importance, as the fallout from identity theft has already been highly detrimental to my financial well-being and personal standing. I am prepared to provide any evidence needed, and I will not hesitate to pursue all legal avenues to uphold my rights and seek appropriate recourse if necessary.

Your immediate attention to correcting my credit report and examining this fraudulent activity is greatly appreciated. I trust you understand the seriousness of this matter and my need for an expedited resolution. Thank you in advance for your urgency in rectifying this deeply concerning situation.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I fell behind on payments in XX/XX/2023 because I was laid off in XX/XX/2023, and I called Chase to make payment arrangements and did not received any assistance ( payment plan options ) that would allow me to bring the account current. The agent told me to make as many payments as I could, that was the only solution offered. 
I received a letter from Chase card services in XXXX which offered the opportunity to pay a lower monthly payment or settle the account. I called Chase on XX/XX/2023 to discuss payment options because I am currently on a fixed income ( until XX/XX/2023 ). The first agent I spoke with offered to settle the amount which would require a down payment of {$370.00} and pay off the remaining amount within 3 months. The agent did not give a total settlement amount ; he only asked me if I could pay 25 % of the balance. My response was " no '' because I couldn't commit to paying a balance that was not disclosed. I disconnected the call from the first agent which lasted about 15 minutes. 
I called a second time on XX/XX/2023 and spoke with two different agents that asked me questions pertaining to my current income and expenses. The agent offered a credit counseling service which is an in-house non profit organization. I told the agent that this service was not something I needed and a payment arrangement with Chase card services was the only resolution that I was seeking. I was transferred to a manager and during the call the person I spoke with attempted to tell me that I was upset ( I was not ) and failed to empathize the issue, but was condescending and not helpful. Although, I told the last two agents that I would be filing a complaint with CFPB, they did not attempt to further assist me and honor the " debt liquidation '' program option listed on the letter. This phone call lasted one hour and ten minutes, and I did not receive a feasibly financial offer to settle the account. 
My analysis and assessment of Chase card services collection practices lead me to believe this tactic is being used to collect as much money as they can in a short amount of time, or refer a customer to the credit counseling/debt consolidation service for profit under the guise of a non-profit ( which will allow for more fees to be collected ).
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (CA)

Violation of dual tracking by XXXX and XXXX XXXX XXXX XXXX XXXX must be replaced as requested. 
I emailed documents for loan modification and received email dated XX/XX/XXXX review was completed. 
However as of XX/XX/XXXX I have received no other documents and no other documents for loan modification have been requested. 
On XX/XX/XXXX I received default notice attached that is dual tracking. Dual tracking if prohibit by law as CFPB states the following information. 
Dual tracking occurs when a lender receives a loss mitigation application from a defaulting borrower, but proceeds with both foreclosure and loss mitigation options. Dual tracking is prohibited by federal law under Title X ( the Consumer Financial Protection Act of XXXX ) of the Dodd-Frank Act. 
Letter date XX/XX/XXXX loan modification was completed, and no further information has been provided as of XX/XX/XXXX. 
Notice of default to dated XX/XX/XXXX is violation of dual tracking that is prohibited. 
I have made multiple attempts to remove single point of contact. 
XXXX XXXX IS NOT AVAILABLE WHEN I CALLED IN, I HAVE BEEN TOLD SLS NO RECORDS WHEN SHE WILL RETURN TO WORK. 
I CAN NOT TALK TO XXXX XXXX XXXX XXXX AND HAVE NOT NEITHER SHE HAS RETURNED MY PHONE CALL. 
I DEMAND CFPB AND SLS TO CHANGE XXXX XXXX XXXX XXXX 
Its just an excuse to cease and desist is the reason which was filed on in XXXX. I have received many calls since than
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Attn : This is a new complaint, please do not discard as a duplicate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Equifax Dispute Department Subject : Formal Dispute and Request for Rectification Dear Equifax Dispute Department, I, XXXX XXXX, am writing to bring to your attention a critical matter regarding my credit report that requires immediate resolution. 

I vehemently dispute the presence of a XXXX XXXXXXXX XXXX XXXX account ( # XXXX ) on my credit report, opened on XXXX, last reported on XXXX, and charged off on XXXX with a balance of {$4800.00}. I want to clarify that I have neither authorized nor been associated with any business card from XXXX XXXX. It has come to my attention that this account may be inaccurately linked to my name, as I have never sanctioned such a joint credit arrangement.

Moreover, I am filing a formal complaint regarding the potential discriminatory and XXXX impact on my credit score by Equifax. Despite a commendable historical loan history, including payments exceeding {$100000.00} over a decade and maintaining nine open seasoned accounts with impeccable payment records, my credit score remains lower than justified. I request a thorough investigation into this matter to rectify any systematic biases affecting my credit score. 

Furthermore, I demand the immediate removal of hard inquiries made by XXXX XXXX. I find it unacceptable for a creditor, which I did not authorize, to access my personal information and credit profile. I have filed an FTC complaint ( # XXXX ) to address this issue, understanding that Equifax should recognize the significance of such government complaints in safeguarding consumer rights. 

As a consumer, I expect Equifax to honor my rights by expeditiously removing these inaccuracies from my credit report and protecting my standing. I trust that you will undertake a comprehensive investigation and take swift action to address these concerns. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-05
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)

I am writing to express my dissatisfaction and frustration regarding the multiple attempts I have made to correct an issue with the late opening of my account. I believe it is essential to bring this matter to your attention in the hope of resolving it promptly. 

I opened an account with your institution, and unfortunately, I have encountered ongoing difficulties due to a delay in the activation or processing of my account. Despite my repeated attempts to rectify this matter through various channels, the issue persists, and it has caused considerable inconvenience. 
Timeline of Events : 1. Account Opening - I initiated the account opening process at one of your branches.

2. Initial Follow-Up - After not receiving any communication regarding my account status, I contacted the customer service hotline to inquire about the delay.

3. Second Follow-Up - With no resolution, I visited the branch in person to seek assistance and was assured that the matter would be resolved shortly.

4. Subsequent Attempts- Despite multiple follow-ups via phone calls and in-person visits, the issue remains unresolved, causing frustration and inconvenience.

I understand that technical glitches or administrative errors can occur, but the lack of timely and effective resolution is unacceptable. I have attached copies of relevant documents, including account opening forms and any communication received, for your reference.

I request the following actions be taken promptly to address this matter : Immediate activation and proper processing of my account.

A thorough investigation into the root cause of the delay to prevent similar issues in the future.

Compensation for any inconvenience caused, including reimbursement for any fees incurred due to the delay.

I expect this issue to be resolved within specified timeframe from the date of this letter. If the matter is not resolved satisfactorily within this time frame, I may be compelled to escalate the complaint to relevant banking authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX XXXX Balance : {$140.00}. 


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