davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (TX)

I did not have a XXXX XXXX XXXX. I have no clue why this is being reported on my credit report. I was researching mortgage rates and applied for a mortgage and a few days later this account was added to my credit reports.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from Experian. I have attempted to remedy this issue with XXXX, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to XXXX for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, XXXX continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

A bankruptcy was reported on my credit report on XXXX. I contacted the Bankruptcy Court, and they told me that they would send a letter stating that by law that they do not report to the credit bureaus. I received the letter and would like to have the company reporting the bankruptcy held accountable for fraud. The company XXXX XXXX fraudulently shared my information publicly without my consent even placing it under the courts name as the reporting agent. Please remove from all Credit bureaus as thins information is inaccurate and misleading and caused damages.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

SOMEONE APPLIED FOR A CREDIT CARD UNER MY NAME AND I GOT SEVERAL EMAILS FROM CREDIT ACCOUNTS. I DID NOT APPLY FOR THIS CARD IT WAS QUICKSILVER XXXX  ONE. 
NOW ITS ON MY CREDIT REPORT AS A HARD INQUIRY. I NEED THIS TAKEN OFF I AM GOING TO APPLY FOR A MORGAGE SOON, AND THIS HURTS MY CREDIT SCORE, THIS HAPPENED XXXX  XXXX, XXXX AT XXXXXXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I closed my XXXX account in XXXX XXXX XXXX When I did this the account had a {$830.00} balance. The balance was still paid off on the account a few months after closing. 

XXXX has not updated my credit profile. I have contacted them XXXX  and have XXXX emails from them saying the same thing about my credit file will update and it hasnt. 

Ive attempted numerous disputes with Experian and they wont drop it even with statements showing the account is closed and paid off with a {$0.00} balance. This has affected my credit worthiness. I have attached the emails from XXXX at XXXX, my final statement from XXXX, and my numerous attempts to correct my credit file, and what it currently looks like.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I received an email on XXXX  that an account was opened in my name with Chime bank. It was unauthorized. They closed it upon request. However, if someone was fraudulently opening accounts with my social security number they wouldnt be using my actual email address. I believe Chime illegally opened the account on their own.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

Affirm is a convenient service I use for purchasing and shopping online safely. My bank experienced an XXXX issue and payments that normally come out of my account were being rejected without my knowledge. I called affirm told them but they do not speak english and istead they reported it even tho MY NEW BANK account was on their site ready to process payments they reported i did not pay when instead they did not use the account, the bank account rejected payments i did NOT MISS A SINGLE PAYMENT I DEMAND IT BE RESOLVED AND REMOVED IMMEDIATELY further more people who do not speak english should not be handling my money MY ACCOUNT IS CURRENT AND NOT PAST DUE all payments are in and paid i demande resolution asap
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

XX/XX/23 at XXXX XXXX I have had a credit card with this company for XXXX. I also have another credit card and was trying to talk with this company to transfer the balance of the other card to them. I wanted to work with them to get the lowest APR rate on the transfer amount or, try to get it interest free for a period of time. Everyone I talked to repeated the same thing, could never provide me an APR rate on the transfer and when I asked to talk with supervisors I would be transferred to other people who would transfer me to other people and finally was given a " direct number to our specialty department '' to call for assistance which turned out to be their general customer service department. I was placed on hold for 15 minutes and, twice was disconnected from their system. I realize I am just a small entity compared to what Citi typically deals with however, I find this to be horrible service. Especially when I ask what department manages balance transfers and am told " Customer Service does everything '' which I feel is not true especially with a company this size! The company is Citibank-
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under the Federal Law, Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed accounts reporting erroneous information on my Credit File as per consumer 's requests. I previously ordered a copy of my Credit report and I found out that credit reporting agencies still indicate my dispute of acounts and information in my credit report. As of todays date, the Credit reporting Agencies has not responded to my dispute letters. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days, however more than 2 months have passed and the Credit Bureaus have failed to respond to my Dispute letters. Please check payment history, date open, last activity and Status of the following accounts as I believe these accounts are reporting erroneous information causing negative impact on my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ( Original XXXX : XXXX ) XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-14
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: I.C. System, Inc. (CO)

My credit report shows a collection was opened between XX/XX/2023 and XX/XX/2023. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX XXXX. 

Ive never heard of either of these companies and do not have a mobile device with XXXX XXXX.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Consumer complaint received 2023-09-28
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Yesterday XX/XX/XXXX I went to put gas in my truck and said my debit card with chase bank was denied. Went to go on the chase app to see why it couldve been denied and it said my account was restricted. I called numerous times why and no one was able to give me an explanation to why. Tried going into the branch and the branch manager wasnt allowing me to withdrawal any money at all and that I would have to wait till after the 10 days of the account closing to receive a final check. Only thing I can think of was I had my girlfriends tax returned submitted to my chase account because she doesnt currently have a bank. I was able to provide anything or details they needed but told me I would just have to wait till my account was closed to receive funds. I also have XXXX pending deposits for Friday XX/XX/XXXX which means if Im unable to get my funds I dont get pains for anything XXXX weeks.
Consumer complaint received 2022-10-18
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. (MO)

I am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

I took out a loan with First Virginia lending agency in XXXX of XXXX. I am aware that the agency offers high interest loans ; however, I have been very diligent in making extra payments in an attempt to pay off the loan, which was originally {$1000.00}. I am always told on the phone that only a small amount of my payments is applied to principal, and the rest to interest - and having nothing in writing from them showing how my payments are applied. I provided my email address at the time the loan was taken out, and was advised by the representative that I would receive statements via email. I have been requesting my statements now for months, only to be told that I needed to contact their corporate office to get them. I have repeatedly contacted their corporate office and was advised that the local office ( where I took out the loan ) must provide the statements and that they ( the corporate office ) has nothing to do with transactions at the local branches. On XX/XX/XXXX, I called the local branch of First Virginia and was once again referred to the corporate office for my statements and was advised " their system was down all day. '' On XX/XX/XXXX, I followed up with the corporate office and was told they have no information and to call the local office ( yet again ... ) I spoke with the manager of the local office of First Virginia ( " XXXX '' ) on both XX/XX/XXXX and XX/XX/XXXX, and she keeps advising her " system is down '' and she can only print out my contract. I have been asking for my statements to see how my payments have been applied for six months now and First Virginia is obviously refusing to provide them. I am sure I am not the only customer who does not get any type of statement or detail of how their extreme high interest payments are being applied. On other various dates, I have requested my payoff amount, paid several hundreds towards it, only to be told that payoff amount didn't include interest and the payoff amount was back up to the original amount prior to the payment, within a few days.. By withholding statements and written information from the customers, First Virginia is able to tell customers basically anything they want about their payoffs, payments made and payments that will be due.
Consumer complaint received 2023-09-05
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed 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 XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ( Original Creditor : XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

I applied to finance a XXXX XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX. Ally financial obtained a copy of my credit report and per the dealership it was denied due to Ally financial requiring a significant amount of money for a down payment or a co-signer. However, the amount required for down payment was not specified. When I contacted Ally Financial and spoke with XXXX with employee ID : XXXX to obtain terms or reason for denial she informed me she nor Ally Financial can provide me the requested information but it can be obtained from the dealership. I am still without a vehicle and not given required stipulations such as down payment amount and or terms.