davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (AZ)

I took out two loans from New York State Higher Education Services Corporation ( HESC ), one for the school year XXXX, one for the school year XXXX. I was allowed a forbearance for both loans for several years. When the loans came due, I contacted an HESC representative to arrange monthly payments. At no point did this loan servicer inform me that I had any alternative other than a payment that was close to half of my entire monthly income. I felt as if I was being pressured by a debt collector, not a loan servicer, and it scared me. There was absolutely no mention of any income driven plans to stay out of default. At that time I didn't know that an income-driven payment plan was an option at all. 

I could not afford the payment so I went into default. HESC moved quickly to get whatever money they could. They employed a debt collector ( Performant ) and pursued every legal angle. They took several tax returns. They took several partial payments from me from XXXX to XXXX with no accounting of them. Then they started to garnish my paycheck. At no point in my dealings with HESC was I offered an income-driven plan. 

I have since learned how to move my loans away from them, and am relieved to never have to deal with them again, but I argue that much of this debt would be paid off, and, quite frankly, I would have never gone into default in the first place, if HESC had informed me of my repayment options.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-30
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: DISCOVER BANK (CT)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-08-06
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. (MI)

On XX/XX/year> I wrote Experian, XXXX, and XXXX asking if they could look at the bankruptcy # XXXX it did not look right to me. On XX/XX/XXXX they respond back saying that the account was verified as accurate and remains. Attached is a letter that I received from XXXX on XXXX XXXX explaining that the account was deleted from my file. 

If the account is verified through XXXX, according to Experian, XXXX and XXXX that mean my consumer report needs to be updated to math my credit file. 
please remove from credit report immediately
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

The same debt has appeared on my credit report three times now ... the first two times it was removed, but this latest dispute was not deleted for whatever reason. I shouldn't have to dispute the same charge every year. 

Dispute # XXXX XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : XXXX, XXXX reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and this was deleted from my credit report as it was fraudulent/not my debt XX/XX/XXXX : Credence Resource Manage reported a debt of {$1400.00} from XXXX XX/XX/XXXX : A dispute I initiated with XXXX was resolved and NOT deleted from my credit report even though it's the same fraudulent debt
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-01-10
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: AMERICAN EXPRESS COMPANY (IL)

To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the  courts that I had exhausted and documented all my actions to resolve this fraud account.
Consumer complaint received 2024-08-06
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount XXXX has violated my rights. 

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
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

After realizing that my credit card was lost/stolen, and noticing fraudulent transactions on my account portal, I filed disputes with Capital One against multiple fraudulent transactions on my card. My card was used to run up almost {$500.00} in purchases across multiple days, and from what I can tell based on the merchant names this was done primarily at theme park locations in Florida- I live in XXXX, OREGON and have not been to Florida in YEARS, nor was I anywhere near there at the times of these transactions, I haven't so much as left my state since XXXX. 
Capital One did NOT do their job in investigating this dispute - literally the same day XX/XX/XXXX that they acknowledged the dispute and processed a provisional credit they claimed that I " benefitted from these transactions '' and reversed the credit, closing my dispute with no evidence or explanation whatsoever of their alleged reasoning. 
I clearly DID NOT benefit from these transactions in any way, nor did I know about them or authorize them. They are NOT my purchases, and I sure as XXXX will not be paying Capital One for them. There is no chance they did an adequate job whatsoever looking into these fraudulent purchases given the timeline of their supposed " investigation '' and had they done their job they would've closed this dispute in my favor, as these are very clearly NOT MY CHARGES. 
In their letters/emails to me Capital One didn't even include all the charges I clearly laid out in my dispute, so clearly didn't adequately file/process my full dispute/claim. 
The moment I found out about these transactions- which only occurred because I saw my billing statement, I was never notified this was occurring during the time of the transactions despite having notifications set up that should've alerted me anytime there was a purchase- I locked my credit card and secured my account. I mailed Capital One documents to file the dispute - since they don't offer a customer service email and I can not call over the phone as XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX- and very clearly outlined each unauthorized transaction, merchant name, amount, and date. 
If Capital One thinks they're getting so much as a penny from me they're mistaken - I will not be making payments on purchases I did not make, and I will fight them to the end of time until these are reversed/removed from my account, and will be disputing these with all 3 credit agencies as well.
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX, a federally protected consumer, and I am making this complaint against Capital One for reporting inaccurate personal information to my credit profile, thats damaging my financial reputation. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). The definition of a Charge Off states, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Ive contacted Capital One several times to resolve this matter and have not gotten any results. The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnisher ofinformation & 15 U.S. Code 1681e ( b ). 

Ive called numerous times and it was updated after i paid in full. 

Thank you
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I got a withdrawal check at XX/XX/XXXX of {$250.00} from Citi bank. The check date is XX/XX/XXXX. I didn't even know the person who cash my check. Plus it's from XXXX, Citi bank shouldn't let them cash it anyway. I call Citi to fix the case. Yet, until today, there's no response.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I reached out to chime regarding the issue, they had absolutely no reason to close my account, when I called to inquire about why or what had happened there was no answer they could give me, I was told that someone would reach out to me within 24 hours and they never did, I need this issue fixed in a quick & timely manner as Ive done everything on my end, a fair resolution is getting my account reopened because it was wrongly shut down without any explanation and Ive only used my account for receiving money through my job.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (CA)

I have a crazy situation I would like to expose this lender they robbed me out of XXXX I was purchasing a property Long story short the originator told me I was clear to close I wired the funds a day before signing I was sent XXXX conditions I needed a XXXX all kinda docs I sufficed everything Today I get the email my loan was denied because I didn't have enough reserves I was required to have approximately XXXX extra I have over XXXX in my account in reserves I have sent this up to the president of the company and he states he can't get involved Even tho his underwriters are not putting accurate information and his loan originator but me through all of these changes to send hundreds of documentation To deny me with no legit reason I have XXXX in limbo I definitely lost XXXX because of my earnest money deposit and due diligence fee Please help me this company has horrible reviews and we need to expose them so they never do this to another civilian again Feel free to contact me XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-11-18
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. (TX)

I have a HELOC with XXXX ( XXXX ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my XXXX XXXX was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the XXXX balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side. 

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, XXXX is now knowingly in violation of the FCRA and is not taking steps to correct that violation. 

I have attempted multiple times to have XXXX reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Consumer complaint received 2024-03-22
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 these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-07-02
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

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 an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.