davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (SC)

I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. XXXX has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX  XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX  XXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my credit score by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX  has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that XXXX, equifax, and there entities has decided to demolish my credit score. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX  XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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. (LA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
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. (LA)

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 Account Number : XXXX. XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I was contacted by Fair Collections & Outsourcing FCO around XX/XX/XXXX and informed that an account ( XXXX ) was in their office 30 days and actively being reported to the Consumer Credit Bureaus as a collection account on my report and the actions would continue until I paid Fair Collections & Outsourcing {$5000.00} for an account involving the XXXX XXXX. 
I provided written dispute to FCO on XX/XX/XXXX requesting FCO cease collection and reporting activity according to FCRA regulations. 
Following communication with XXXX XXXX I pursued legal advice and filed Small Claims Hearing, learning the limitation of Small Claims I reconsulted and began retainment of legal representation to attain judgement and damage recovery. 
I submitted disputes to the Credit Reporting Bureaus regarding the Fair Collections & Outsourcing account but continued to be negatively impacted by the presence of the collection account. 
Te date request for debt verification request remains unfulfilled and the collection account continues to be reported which has caused me to be disqualified for housing. XXXX XXXX has reported an invalid amount intentionally withholding substantiating dialogue. 

Fair Collections and Outsourcing continued attempts to collect and report a debt with a financial gain incentive, without proper investigation, documentation or adherence to Federal regulations and intentionally caused severe damage to my livelihood and well being in effort to collect debts without basis to assert this action to my knowledge, my requests for debt verification are unfilled. FCO states on XX/XX/XXXX that my dispute with the Credit Bureaus has limited their ability to provide a debt verification.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

Greetings, Barclays Bank in many occasions doesn't deposit rewards without a hassle. I have earned XXXX miles for a referral on my XXXX  Mastercard, it showed on my statement but they never sent to my account. Customer Service doesnt have any information. Im reporting because its not the first time this happens with Barclays promo and rewards offers. This agency never fulfill its terms and promises without you requesting your rights.
Consumer complaint received 2022-09-26
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. (SC)

There is an open balance for the amount of {$1500.00}. That appeared in my Equifax account on today from XXXX XXXX XXXX XXXX. The account was opened XX/XX/2022 ( 4 mos ). The report has never appeared on my credit report. I am unware of the account and believe the account was reported in error. I tried disputing the issue with Equifax and where unable to access my account, or request a password reset. Equifax and XXXX continue to stall in updating my report and consistently place old outdated accounts back onto my account under different collection agencies or are placing accounts that are not associated with me in my report. I am requesting further investigation regarding the issue and are requesting the negative mark be removed asap. I believe unfair practices are being promoted by Equifax and XXXX XXXX and I believe I am a target based on my race and belief.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Per the attached screenshot : No Account can possibly be listed as XXXX for Seven Consecutive Months, specifically the months of XX/XX/XXXX through XX/XX/XXXX ONLY on My XXXX Report. 
TransUnion Report has NO Legend Indication When the Date of Last Activity for TransUnion is XX/XX/XXXX And Date of Last Activity for XXXX is XX/XX/XXXX This Alleged Debt listed as A Charge Off for XXXX credit card account with a Balance of {$950.00} on BOTH TransUnion and XXXX. 
As We All Know, that's Not Possible and Considered Double Jeopardy. 

Neither TransUnion or XXXX Reports Include Any Accuracy for this Account. 
Both TransUnion and XXXX have Made Errors to My Consumer Reports that are Extremely Harmful to My Character, Creditworthiness and Ability to obtain further Credit. 
Was this Account Closed Due to Inactivity or Was it Charged Off as A Bad Debt or Was It Canceled by XXXX XXXX XXXX or Was it Reported as A Loss by the Credit Grantor? 
Because all those Comnents are listed and All those Comments are not True and Accurate. 
Both TransUnion and XXXX are Violating Consumer Laws with the Laundry list of Errors and Misrepresented Line items on this account.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Got a XXXX XXXX card in XX/XX/XXXX. Capital one closed my account in XXXX because they learned I had XXXX XXXX despite my great credit. Said it was a business decision which makes no sense because they exist to extend credit to credit worthy customers. They even said it didn't have to do with my creditworthiness. I moved on. They owed me {$25.00} when the account closed in rewards points. Finally they cut me a check for that amount in late XX/XX/XXXX. Check # XXXX. I deposit the check. That check bounces and my bank charges me {$10.00} because their check bounced. I demand the same amount plus {$10.00} I lost to the bank through no fault of my own. They won't do it. Said they'll issue another check for the original amount. I'm scared to cash another check from them. Not sure I'd get the money and possibly just lose another {$10.00} to the bank because capital one can't cover a {$25.00} check. It is ridiculous.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX The information listed on this account is incorrect and was already deleted by XXXX and XXXX XXXX Date of Last Activity and Date opened is incorrect Under 15 U.SC 1681i, Paragraph ( 5 ) ( A ) ( 1 ) ( i ) Treatment of Inaccurate or Unverifiable information ( A ) In general, If, after any reinvestigation paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete..

Please delete this account
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I have been working with Loan Care loan servicing regarding my past due and default payments because of XXXX. They referred me to Texas assistance program for help which I did and qualified for assistance .Loan Care gave THAF . The AMOUNT of funds needed to bring me out of default, and also secured my following three payments for XXXX XXXX and XX/XX/2023. My first payment was to begin again on XX/XX/2023. I just received a default letter from Loan Care stating that they had not received payments For XXXX and XXXX I have called them so many times and had Conversations regarding this very issue. I was assured that THAF was making the XXXX XXXX and XXXX payments. I called THAF and they told me TODAY that the outstanding XXXX and XXXX payments are sitting in an a approval pause portal AT LOANCARE!!!!! Loan Care has not confirmed the payment amount sitting in their own portal of communication.!!!! I am furious, and want to file a formal complaint and lawsuit for their negligence!!! I told them today to check their portal and approve the payments that are literally pending for them!! this process has cost me so much mentally and emotionally and financially I would like to sue them for harassment and negligence AND also this very day I got a certified letter in the mail that I was in default and asking to call to schedule some kind of person to come out and do INSPECTIONS & estimates on my property??? IN CASE of default????? XXXX!!!!! I will sue them and be on the news about this if that happens GUARANTEED.!! I want my loan servicer removed. I do not want to do business with Loan Care anymore. I have absolutely no trust in how they do business and I demand to be transferred to another loan servicing entity for the remainder of this FHA loan. 
thank you XXXX XXXX XXXX.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an on going issue that needs to be resolved. checking the information listed its not 100 % accurate on all credit reports an that's causing alot of denials please delete an remove asap.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (TX)

I got my identity stolen in XXXX but was not made aware until XXXX of XXXX, and til this day its been an ongoing problem, Ive gotten bank accounts compromised, cars gotten in my name, phones, accounts opened without my knowledge etc. I was able to get some of the damage from the fraud taken care of however despite the evidence and the police reports Experian refuses to take off a couple accounts that they know arent mine. XXXX and XXXX finally complied and took off said accounts so I can have the correct and fair score but Experian refuses to. I even tried to get the address removed that they were doing fraud with and they said no because it was reported to them by several accounts. Those several accounts werent even mine. If my identity wasnt stolen how did a XXXX XXXX card get opened in XXXX of XXXX. I was XXXX! I didnt even have a bank account yet. I just want my situation to be resolved, this has literally caused blood, sweat and tears for me.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Child Support is reporting inaccurate and incomplete information on my Experian, XXXX, and XXXX XXXX reports. The information regarding the payment history is incomplete as well as beyond the statute of limitations to even be reported since the date of first delinquency has past beyond 7 years. The account has not been current since before XX/XX/2016, meaning that as of today the entire account should have been permanently deleted from each consumer report. The FCRA demands that after 7 years from the date of first delinquency, the account must fall off my consumer report!
Consumer complaint received 2016-10-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can do.
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. (SC)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A states I have rights 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 written instructions.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I do not recognize any of the following hard inquires and I'm asking that they be 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
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 AcXXXX 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (PA)

My friend XXXX XXXX referred me to Chime because they have an offer of XXXX dollars if friend opens an account with a direct deposit of XXXX dollars or more, on XX/XX/XXXX I signed up and opened an account with the expectation of the XXXX dollar bonus I in addition immediately went to Social Security. Gov and changed my direct deposit to Chime and the government said the first deposit would be XXXX of XXXX. When I didn't see my bonus I called Chime and inquired about the bonus and they said I didn't qualify because it took more than 45 days for the deposit to be made. No one on Social Security would qualify under these terms and therefore not a real offer just bait, because Social Security will always take more than 45 days to stop and start a direct deposit. Offer is totally bogus.
Consumer complaint received 2023-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AR)

Ive been working for months to get my complete transaction history of my loans from start date of repayment. To date Ive been sent the same document over and over and it fails to include my loan balances. I just want to be able to see how my balance has gone down as payments have been made and Mohela continues to disregard my request and only sends a document that has payments and what was applied to principal or interest leaving me completely out of the loop on my beginning balance, and how balance has gone done against payments made. Idk what more I can do to clearly state what I need from them. 

Acct # : XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: U.S. BANCORP (CT)

Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX XXXX XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months US Bank was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous US Bank agents and paid my principal on the loan in XXXX of 2018, US Bank Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on US Banks incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. Thank You.
Consumer complaint received 2023-07-02
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: Experian Information Solutions Inc. (GA)

This letter serves as my lawful and rightful consumer declaration of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this compte rendu represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately fashioned a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal protest and a call for swift action on your part. You are non-compliantly reporting not-compliantly to the XXXX XXXX XXXX and damaging my credit. You are Suspected to be in transgression ( s ) from or of the FCRA aka the Fair Credit Reporting Act. The violations might well be subject to fines and damages. I am providing you but this one last opportunity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non- compliantly reported in that it implies that my sent notice was disappointingly disregarded.