davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

The account was closed and the equipment was returned via USPS to the equipment return center. We have continually contacted XXXX XXXX XXXX XXXX XXXX to let them the equipment was returned. This charge isn't authorized or accurate.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have a balance transfer of {$36000.00} to be paid over 12 months. 0 interest I also have statement charges that are being paid in full The bank is bulking these charges and precharging me interest for the balance transfer although I have 12 months. 

The deal is 0 interest for the first 12 months The statement balance is also being paid in full
Consumer complaint received 2023-12-08
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. (MS)

My information was sold illegally for personal gain, and I am a victim of the equifax data breach. There are illegal accounts on my credit report that I want removed effective immediately. I do have proof that I tried to get these removed because I AM A VICTIM OF THIS COMPANIES DATA BRECH. I will attach the proof of dispute letters I sent in along with the FTC reports that were filed as well. I also have proof of equifax stating that I am a victim of the XXXX Equifax data breach. So if you telling me that I'm a victim of your companies data breach why haven't you removed these illegal accounts from my credit report. Not to mention there is also a settlement thats pays the consumer up to XXXX dollars for being a victim in the Equifax Data Breach. The only thing wrong with that is the fact that Equifax already recieved the settlement to pay to the consumer for thier information being compromised from equifax company database. I havent recieved my settlement and I wan na know why. Equifax can't tell why because its wrong. Why would XXXX  want the consumer to explain what they did to remove illegal accounts from their consumer credit report that occured from the Equifax data breach that their company is responsable for. Equifax recieve a settlement that was paid to them for them to pay the consumer and they are holding it because they want to know what they doing to fix the mistake they are at fault for. So here is proof of dispute letters, ftc claims and the illegal accountsand inquiries I want removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have mailed XXXX disputes to XXXX, Equifax XXXX XXXX. As well as upload to Equifax. I have not received any results only a letter from the bureaus stating that the dispute did not come from me. This is not true my disputes are coming from me.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (TN)

Overcharged on the card. Fees being added way to high. As much as I have paid this should be paid off. 
I was not aware of the arrangement they are claiming. Previous bill paid through a collection agency in full. 

I turned this into insurance hoping they would take care of it. My insurance paid a total large sum which should have taken care of most this bill. That card started out with over {$4000.00} that I did not get service for. 

Plus, I went to dentist Tuesday the work they done is coming undone and there is a hole in upper right side tooth that was done when they pulled the floss through and damaged the cement. I now have to pull this and lose my tooth. I paid for root canal and etc. Attached documents again and original bill.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2023-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (TX)

Requested lower payments and automatically denied. And regional acceptance has been calling non stop each day even Sundays and ignoring the request of not being contacted like that. Even requested the vehicle be picked up with voluntary surrender. But they just keep ignoring any requests. And was trying to quote the FDCPA and was told by them were not allowed to quote the act because im not a lawyer. They also have wrong contract date recorded compared to what the contract that was given to us.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am reaching out to address the presence of fraudulent personal information and unauthorized inquiries associated with my identity. It has come to my attention that certain accounts and transactions have been falsely attributed to me without my consent or knowledge, causing significant distress and concern. I have taken immediate action to report this incident as I am a victim of identity theft. 

I emphasize the importance of rectifying this situation promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide any necessary evidence and, if required, pursue legal recourse to safeguard my rights and seek appropriate compensation. 

I greatly appreciate your prompt attention to this matter and the resolution of this unfortunate situation.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial (AZ)

Koalifi/XXXX XXXXXXXX XXXX XXXX me approximately {$3300.00} to have my vehicle repaired and I could get back to work. They told me the interest rate was 25 %. That's what I agreed to. I noticed out of making weekly payments for about 2 years that it seemed a long time so I tried to get in and look at my account. Each time I tried to get into my account. They were supposed to email me a code and each time they didn't email it. Eventually I got in and noticed that I had paid them approximately {$6400.00} which is over twice what I borrowed. Now they're telling me that I agreed to pay 2 and 1/2 times the amount borrowed back. I believe this is unfair and not accurate. They're still trying to get more money out of me which I will not pay since I paid over twice of what I borrowed
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (KS)

I have a hard inquiry on my report from Citizen 's Bank. I never inquired with this lender. They are inaccurately reporting this inquiry on my credit report. When I called and spoke to the fraud department, they refused to open a fraud investigation. I requested to speak with a supervisor and was refused. This phone call occurred XXXX XXXX XXXX XXXX on XX/XX/XXXX between my phone XXXX and their phone XXXX.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XX/XX/XXXX
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

The debt that is showing a collection is XXXX XXXX, which I have never had an account with. No contractual agreement has ever been entered. In addition, it doesnt show on the credit report if there was a original creditor or not. In addition, the account is posted as XXXX balance collection.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (NY)

Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

There are Hard inquiries on my credit report and According to FCRA section 605B it is illegal to report information on my credit report without my permission. I need these inquiries removed immediately to maintain having an accurate credit report. 

I would like to remove the following Hard inquiries in my report : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I would also like to remove the soft inquiries in my report from the following companies : XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on - XX/XX/XXXX and XXXX more XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX and XXXX  more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX  XXXX - Inquired on XX/XX/XXXX and 1 more XXXX XXXX XXXXANK - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (CA)

I have been trying to get my name changed on the title for over a year. I purchased the car in XXXX of 2023, XXXX month later I got married and changed my name. I have been trying to get my name changed ever since. They have sent me the name change packet twice when I sent back completed, they claim they never received it until the third attempt. I have had to call and follow up so many times. All I'm trying to do is get my name changed on the title. I spoke to XXXX and they told me to have Audi sent me the title and I bring it in with a statement of facts to get it changed. Audi said they can't send the title to me. I have gone to XXXX numerous times and they tell me the same thing, I need the title sent to me and they can change it. I am driving around here with old outdates tags because Audi/VW Leasing can't do simple task. People change their names every day. I have changed my name with social security, XXXX, all my banks, credit cards and NO ONE ELSE HAS GIVEN ME THIS MUCH TROUBLE. I have spent money getting the name change packet notarizes, certified mail 3 times. I also have not been able to get my clear air vehicle sticker on my car which allows me to go through tolls at a discounted or free price. I bought en electric vehicle specifically for this. I want my name changed on the title and compensation for them taking so long to change my name which is costing me wasted money on tolls. They should give me a few months free off of my car note or something! I drive every day at risk of being pulled over or getting a ticket because I have expired tags. XXXX let me pay for my registration but I can't get my tags.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX XXXX I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A Capital One card was opened by me under false pretenses from the offender and I never made any purchases. In fact, I never received the card and the man who stole my identity made all the fraudulent charges and left me with the bill which, again, was investigated and credited back to me by XXXX XXXX. I found and reported the fraud immediately which resulted in the account being flagged for fraud, frozen with a restriction, and then eventually closed. However, after months of the investigation went by, Capital One then attributed a late payment to me personally and reported it to the credit bureaus, which then resulted in my XXXX XXXX being lowered in a number of ways as seen attached. Capital One reported me as having a late payment in XX/XX/year> even though I was not responsible for those fraudulent charges during or after the police investigation since the charges were reported as and indeed found to be fraudulent. This was confirmed by XXXX XXXX own investigation. In acknowledgement of the inaccurate credit report filed by Capital One, Capital One filed a credit update on XX/XX/year>. However, all XXXX credit bureaus do not have any record of this report and have yet to update my credit report accordingly. I do not know who is lying : Capital One or the Credit agencies. Either way, my experience is the same : My credit has been low for a year and is preventing me from certain financial decisions. Given this conflicting information and the fact that my XXXX XXXX is still XXXX points lower than it was in XX/XX/year>, a very nice Capital One employee suggested that I write Capital One detailing the situation and requesting a specific correction. I have done so. I understand that Capital One is entitled to a XXXX review of my letter and that that will be in touch regarding the outcome. However, I still have not heard back despite it being over XXXX days.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXX number - XXXXXXXX XXXX XXXX XXXX  / account XXXXXXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX/ account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX  / account : XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX  misapplied my payment as a principal only payment and now says Im behind in payment for XX/XX/2023 payment. 
Beginning XX/XX/XXXX they sold my loan to Chase Bank. Now when Ive tried to resolve this Im told to deal with Chase bank. Ive tried to speak to someone but chase is automated and just keeps referring me to automated responses. 
Im very concerned about my credit being damaged.