davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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: DISCOVER BANK (CA)

We were also told to let you know that we received the texts, which is how we believe we hacked, and phone calls. 
I hope this account has now been closed in total and shows a new account and a XXXX balance with these transactions, and the account has been removed from my name and information. 
This account still needs to be resolved and violates many disputes, rules, and regulations. I have filed a complaint with the CFPB and will continue to submit complaints until it is resolved. I'm afraid that's not right, and I have been very patient, but this needs resolution immediately. 

Thank you, XXXX XXXX From : Discover Card XXXX Sent : Saturday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Thanks for reaching out to our team Account Center Last 4 # : XXXX Discover logo We take your feedback seriously Thanks for telling us about your experience. Feedback like yours helps us get better every day. 
Thank you for choosing Discover, Your Customer Service Team 100 % U.S. Based Customer Service available 24/7* Discover App Manage your account anywhere
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

After reviewing my credit report, I noticed a few unauthorized inquiries that I have no knowledge of & also an account under collection. I am distressed that these were included in my credit the information below Inquiries : Unnathroized XXXX XXXX - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX  - XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX - XX/XX/2023 Please remove from my credit report XXXX XXXX XXXX XX/XX/2023 Unauthorized XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Unauthorized XXXX XXXX XXXX XX/XX/2023 Please remove from my credit report Collection Account : This following is not mine XXXX XXXX XXXX XXXX Opened XX/XX/2023 Balance - XXXX $
Consumer complaint received 2024-04-13
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. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$95.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (PA)

BAY AREA CREDIT SERVIC You've committed " FRAUD '' It has been brought to my attention XXXX5 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I have XXXX dollars in my checking account and chime had confiscate them I been more than 3 month fighting with them by phone and email they keep telling me to confirm identity I had done that more than 10 times they keep canceling the check and re sending it this is very suspicious they been asking me so many times for same info wen I had done it and they have it on record u can see the pattern that they are working me so I can loose interest and let them keep the money I need a help so I can deal with this situation
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

THE COMPANY XXXX ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Consumer complaint received 2023-12-19
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC (TN)

THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN THE STATE OF TN. 

I HAVE SAID REPEATEDLY THAT I HAVE NO KNOWLEDGE OF THIS DEBT. THIS IS A VIOLATION OF CODE 1692 G, and 809.

THIS IS A VIOLATION OF 18 USC 8 and needs to be removed from my credit files!
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-13
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. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
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. (IN)

I did not authorize the creation of these inquiry, and I am certain they are fraudulent. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my dispute.
Consumer complaint received 2023-12-17
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: EQUIFAX, INC. (GA)

On XX/XX/23 I wrote Equifax to investigate hard inquiries on my credit report I never gave permission to the companies reporting them to check my credit. They received no type of verbal or written authorization from me to check my credit file with you. Not only did I never receive a response back to my letter, the fraudulent inquiries remain on my credit report still. Please investigate and remove them. I already contacted the companies reporting them and they said I needed to contact the bureau, which is what I did. I appreciate your help with this matter.
Consumer complaint received 2023-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (TX)

Original loan XXXX XXXX XXXX XXXX New loan number XXXX I originally spoke with XXXX XXXX on XXXX  at that time my credit report was ran. I was approved, after not hearing from XXXX for over a month. He was out sick for 3 weeks. After reviewing the title company information of the amount of over {$10000.00} being paid to them. I went back to XXXX and ask if I could add my spouse for income purposes. I was informed that my spouse credit score would need to be XXXX, it was XXXX XXXX said that he could not remove my spouse, he would need to do so manually, to avoid entering a new application, and it should take no more than 2 days, and that he would call me back. He never called, so upon calling him back the following week XXXX was out of the office, so I emailed his supervisor XXXX XXXX, which informed me at that time I was misinformed, and that she apologized for the inconvenience, she would make sure that I was locked in at the same rate, but would have different advisor take care of my application moving forward, by the name of XXXX. I spoke with him that day only, upon calling back he was never available, so I switched back to XXXX XXXX. Who started a new application around XXXX and told me he had everything, and to only send an updated paystub, which I did, while on the phone with XXXX, and he also requested for me to pay another appraisal fee, which I did. By the end of the call XXXX told my closing date would be on XXXX, due to my information already being verified, and processed. I called XXXX on Friday, and again on Monday XX/XX/XXXX to confirm closing, and he said yes you are all set to close on XXXX I felt to call him back again today XXXX. XX/XX/XXXX At that point XXXX said they ran into a problem, my credit report expired. Keep in mind I file a complaint at the Bank last month with the resolution department,
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft! I filed a report with identity theft.gov. I have unauthorized inquiries on my credit profile across XXXX and TransUnion. This is a violation against the Fair Debt Collection Practices Act and violation against my rights as a consumer! 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

I submitted paperwork and was approved for the XXXX XXXX. I have worked the same non for profit and had my loans for 14 years. Then I get a message from Mohela that my student loan payments have started back up and I was confused b/c last I heard all my payments were forgiven. I first called Mohela and the person I spoke with stated that sometime during my process XXXX changed criteria and no longer accepted " copied/scanned '' signatures ; they needed to be " wet '' signatures. So the application that student loan.gov will not accept/approve b/c of copied/scanned signatures from my employer which means the system shows I still OWE THE PAYMENTS and now I '' m 39 days past due. I called Mohela XXXX other times. All conversations documented. I'm currently been on the phone with Mohela for XXXX hour XXXX mins. I was talking with a representative that put me back on hold forever then told me he had to transfer me to someone else?!?!?! Guess what, I'm still on hold!!!!! His name is XXXX employee number XXXX. The time before this I spoke with a lady that stated she will put my loans in " deferment '' until my application has been processed and approved. I have XXXX reference numbers- # XXXX and XXXX. Seriously!?!?!?! is this acceptable treatment of customers???!?!?!? I am at work trying to do my job as I wait on the phone. This is horrible. Everytime I call, I get different answers!!! AND I'm not getting anything resolved and I am NOT paying b/c I know when my application is approved, I will have to wait to receive my money back from the government!
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (IA)

On XX/XX/XXXX I enrolled in a payment assistance plan with apple in which my account was to be brought current after XXXX payments of XXXX. 
On XX/XX/XXXX Apple withdrew the first XXXX payments of XXXX. This was due Apple 's error in scheduling the payments, where they withdrew XXXX at a time instead of XXXX. 
On XXXX I inquired as to why the payment was duplicated as it was only supposed to be XXXX payment. I was told they couldnt be reversed even though it was a mistake and it was applied to my account. 
On XX/XX/XXXX I made the third payment. 
On XX/XX/XXXX I contacted apple via chat and spoke with XXXX XXXX and she stated that my account was current, no additonal payment was due, and the past due balance would be brought current the following month ( as agreed in the payment plan ) On XX/XX/XXXX I chatted with XXXX on the apple app about why the past due balance hadn't been adjusted. She originally stated that it was still showing past due. Then, upon reviewing the account, she stated that the flag to bring it current would be removed the next month and I should continue making my payments according to the payment plan. 
On XX/XX/XXXX I spoke with XXXX XXXX who stated that the account was not current. He stated that the XXXX payment was missed and the account could not be brought current. He refused to review the history where XXXX agents stated that the account was current. He refused repeatedly to transfer me to a supervisor and stated that he was the only person that could assist on my account. He further stated that the only way to bring the account current was to pay the full balance of XXXX instead of the XXXX that is due per the payment plan or even the XXXX which is what the past due balance is that is listed on the account. He was retaliatory and tried to bring the whole balance due even though I have complied with the payment plan.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing to you regarding a dispute I have with Capital One Bank regarding my XXXX XXXX credit card. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, I have been experiencing interest charges on my Capital One XXXX XXXXXXXX credit card account, despite making payments of the current balance or the statement balance. I have attempted to resolve this issue by contacting Capital One directly, but I have not received a coherent response or a satisfactory explanation regarding the cause of these charges ( {$11.00}, {$30.00} and {$43.00} ). Attached to this letter, you will find documentation supporting my case, including copies of my statements reflecting the payments made. 

I request your intervention to investigate this matter and assist me in resolving it fairly and appropriately. My goal is to understand the situation and, if necessary, obtain a refund of the incorrectly applied interest charges to my account. Additionally, I want to ensure that this issue does not recur in the future. 

I appreciate your attention to this matter and look forward to a prompt response.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.