davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (PA)

I never opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX  Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

IN THE LAST XXXX HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (CA)

I am here to ask for an investigation of this account that is erroneously placed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe the account 's reporting has a huge error and could be detrimental if it is still unverified. I sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (LA)

I HAVE REACHED OUT TO ALL COMPANIES NO LESS THAN THREE TIMES. COMPANY HAS FAILED TO VALIDATE THE DEBT EVEN THOUGH THE DEBT IS REPORTING INCONSISTENTLY ACROSS CREDIT BUREAUS. THEY HAVE IGNORED MY REQUEST AND VIOLATED MY CONSUMER RIGHTS. PLEASE HELP AS THESE OUTRAGEOUS REPORTINGS ARE STOPPING ME AND MY FAMILY FROM OBTAINING HOUSING. PLEASE HELP ME TO REMOVE THESE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2023-05-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is a late payment on my credit card with Capital One that I do not recall ever having. I have had this card since XX/XX/2017 and was under the impression I always had a good payment history. I checked my credit report with XXXX XXXX and saw a late payment that shocked me. This late payment must have been when I was touring the country since I am a professional boxer.
Consumer complaint received 2023-03-31
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. (CA)

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. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I've been asking for the signed contract between Wells Fargo and XXXX XXXX. 
Signature must adhere to Federal Law : ( Blue or Blue/Black Ink ), ( No Digital Signature ), and ( No Copied Signature ). I am unable to get this contract from Wells Fargo Headquarters, XXXX XXXX, CA.
Consumer complaint received 2023-04-17
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (AL)

started receiving debt collection notices from Name : FRANKLIN COLLECTION SV Phone : ( XXXX ) XXXX Business Type : XXXX Street Address:XXXX XXXX XXXX XXXX City : XXXX State : XXXX ZipXXXX  Balance Amount : {$61.00} started multiple credit reporting - 8 entries declaring account opened on XX/XX/2020. again reported as opened on XX/XX/2020 and again reported as opened on XX/XX/2020. multiple entries incurred on my credit report for a {$61.00} medical bill that should have been paid by insurance ( and is being looked into at Hospital billing ) as to why this was sent to collection. 

complaint- multiple entries on credit report. being reported almost daily to appear to have excessive debt collections on my credit report..
Consumer complaint received 2023-05-26
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2023-06-27
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: AES/PHEAA (PA)

I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Consumer complaint received 2023-06-23
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. (CA)

I recently applied for credit and was denied. I checked my consumer profile and noticed that there are several unauthorized accounts being reported on my credit file. I have attached a brief summary of the accounts that are infringing on my right to privacy.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Under Experian Membership # XXXX Section XXXX XXXX reporting only. 

XXXX Experian and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what XXXX is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME  XXXX XX/XX/2020 TD BankXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Beyond Checking Bonus Offer Account XXXX To Whom it May Concern : On XX/XX/2020, I applied online for a Beyond Checking account at TD Bank , N.A . ( the Bank ) in response to an offer to Earn {$300.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times throughout XXXX and XXXX to request payment. 

As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-03-29
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. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2020-12-14
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)

Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from my account.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AZ)

Chase Credit Card company is charging me for a bed from XXXX XXXX  I neither wanted to buy, nor did I ever receive. I instituted an investigation online, on phone, and by written letter with the help of the FTC. I have never been given a response to my complaint of fraud and have only been told that the charge is valid. I have never received a bed. Chase 's contract on their credit card statement states that if I don't receive an item charged on my account, I would not have to pay for that item. They have never given me proof I received this item.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the XXXX data breach does not make things any better. My information could be in the hands of lord knows who.
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

My currency has been locked on the website and I have received no responses to my emails about it. There is a potential major change ( split ) in the currency coming up and they will not let me access it, even though they issued public statements to remove it from their website by a certain date. They will not allow the value be given to the users at all and wo n't allow its removal ( at least for me ). What they are doing/did seems criminal and if it is not, it should be.
Consumer complaint received 2023-06-09
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. (OH)

I received my credit report and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under the 15 usc 1681b.
Consumer complaint received 2019-07-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I have had an FHA loan with pennymac for 6 years. All payments have been made on time and every single payment has been accompanied by an EXTRA sum to go to principle. I pay over XXXX dollars a month pmi. They will NOT give me a refill. They say my credit score is XXXX. It is not. It is XXXX. They say I have debt. I do not!!!! 
They have lied to me and discriminated against me.
Consumer complaint received 2023-01-25
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)

On XX/XX/2022 I contacted all three credit bureaus, Trans Union, XXXX and XXXX to add fraud, alert to my accounts and provided police report documentation along with documentation to identify myself. On all three credit reports, there are names associated with two fraudulent accounts that were reported to the credit bureaus, my accounts still display names that do not associate with me I have requested verbally over the phone on XX/XX/XXXX to all three credit bureaus that my information reflect as follows Only one name report to all accounts, which XXXX XXXX Only one address report to all three accounts, which is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX I have requested the following information be removed from all three credit bureaus as they were related to fraudulent accounts 1 ) XXXX : - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Address : XXXX XXXX XXXX XXXX, XXXX, FL - Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Fraudulent accounts : XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX ) XXXX  - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX - Name XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - Name : XXXX, XXXX XXXX XXXX Fraudulent account : XXXX XXXX financial account number XXXX I have submitted all proper documentation relating to death and burglary from the XXXX XXXX police department I have received correspondence from both XXXX and XXXX stating they have updated the accounts properly and will not remove fraudulent accounts.
Consumer complaint received 2023-05-26
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00} OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-05-26
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)

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.