davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I have been working with Loancare on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. 

I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.
Consumer complaint received 2020-08-22
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. (AZ)

On XX/XX/2020, I contacted Experian in reference to a bankruptcy entry on my credit report with their company. I called Experian and a representative explained to me that the information was verified by the court listed at the bottom of the entry. I contacted the court listed, who explained to me they do not furnish any information to the bureaus and if they explained that the court verified data to them, that was false information. I then searched the laws of FCRA and I followed up in writing. I wrote a letter which is attached requesting information on the verification method they used to verify the information which is required to be furnished within 15 business days. 

As of XX/XX/2020, I had not received any methods of verification in writing from Experian. I did receive a generic printed letter stating the entry was verified by a 3rd company called XXXX with no details or proof included. On XX/XX/2020, I wrote another letter to them explaining again they indeed had incorrect information in reference to my report and I listed the entry along with the data that was incorrect and demanded they remove the inaccurate entry from my report. I also explained in the follow up letter, that I requested and needed to know how and with who they performed an independent investigation with instead of ignoring my request which is a violation of FCRA. 

On XX/XX/2020, I received a report from the company Experian named as the furnisher of data. XXXX does not provide any personal identifying information in the data they provided to me except a first and last name. I have attached the report they sent, the address listed in XXXX his incorrect, the SSN number is missing, the DOB is missing, the city of the entry is missing. A first and last name can not be used to verify someones identity. I sent Experian copies of the report from XXXX, and as of today XX/XX/2020 I have not received any follow up to the data provided to them that this is indeed incorrect and not verified to me. 

As of XX/XX/2020, I still had received no response from Experian providing the proof of method of verification. Per FCRA XXXX is a 3rd party company and can not be the furnisher of verification, verification must come from the original furnisher and the U.S Bankruptcy Courts in our nation do not provide that information to anyone due to federal law protecting consumers personal identifying information.
Consumer complaint received 2022-11-02
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. (NJ)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Over 1 year ago, there was fraud/identity theft on my capital one credit card. After this, the company would not let me access my card or any account information without receiving a copy of my drivers license, Social Security card, and birth certificate. The company would email me a link to upload these documents. Once uploaded, they stated that they would contact me and get everything fixed. I uploaded the documents. The company never did contact me after 60 days. I contacted them, and they said that they never received the documents. I had to re-upload the documents and again wait for their response. They again did not call or contact me, and again I contacted them which led to them saying that they did not receive all of the documents and I must re-upload everything. This same events continued into the beginning of 2020 when I finally had a representative that tried to figure it all out. At the end of 2020, capital one charged me an annual fee on this card, but did not email any statement regarding this fee or allow me access to the account so that I can check the balance. I was only receiving electronic statements, and received no statement prior to being charged the fee and no notification that the fee was on the card. I finally received a notification/email after the fee was over 30 days due and was totally surprised. I immediately paid the fee. Capital one also placed a delinquency on my credit report. Prior to this and afterward, I have had excellent credit and have never been late. After trying multiple times trying to contact capital one, since you must remain on hold for over an hour via phone, I was able to speak with a representative who told me that she could do nothing and I must write a letter to capital one. After writing the letter, and calling them again, they stated that they did not receive any letter from me. I disputed the delinquency through XXXX, and the 30 day delinquency was actually removed temporarily for about 60 days. After this, the 30 day delinquency returned back to my credit report to my surprise. After speaking with XXXX, they said that they could not explain this and that it was reported by capital one. They tried to dispute this delinquency again, but it remains on the report and capital one states that it is a valid delinquency.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.
Consumer complaint received 2023-08-14
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report
Consumer complaint received 2022-11-02
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)

Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.
Consumer complaint received 2023-04-20
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. (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 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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I had a personal checking account with Chase bank since XXXX, on XXXX they closed my checking account with no reason provided. 
After that couple times I have tried open new account but they denied with no reason. 
I never recived any letter about the denied open checking account.
Consumer complaint received 2023-06-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (GA)

XXXX is a new company that took over my current student loans from Navient. I have had several companies manage my loans since having my loans. I had a in school deferment as well as deferring my loans due to financial hardship. I have not been accommodated at all. XXXX continues to report failure to pay and late payments which has inaccurate. Due to XXXX reporting these items negatively on my credit report, my credit report is heavily affected which has been extremely detrimental to my livelihood. There are currently 16 accounts reporting late payments for 90 day past due for XXXX of XXXX. According to my school schedule for Fall XXXX, I was in school and a in school deferment was suppose to be applied. I contacted the previous company with this information several times. This is a weight on my shoulders and a cloud over my head for the past years. I have attempted to resolve this matter years in and years out. Furthermore, I have been informed different things each time I have spoken to the loan companies. Due to the constant change of management for my loans, how can I even expect for them to keep up with accuracy. I am really at my wits end and this is affecting me tremendously.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-09
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. (CA)

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax showing account status as derogatory but payment was never late so the account CAN NOT be derogatory. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I filed case XXXX XXXXXXXX studentaid.gov related to ongoing issue with my student loan. 

Case Description : I have filed a previous complaint regarding public loan forgiveness as it relates to loan sequences XXXX and XXXX. I was advised that the consolidation was processed and I have XXXX credits towards loan forgiveness. I am inquiring as to whether I will be receiving money back for the payments made in XXXX XXXX XXXX  since I've exceeded the required XXXX credits for public loan forgiveness. I made ( XXXX ) payments {$28000.00} and {$14000.00} on XX/XX/year>. I did not receive accurate information from Mohela which resulted in me prematurely making payments on my student loans despite eligibility for loan forgiveness. I am trying to determine whether I will be receiving funds back as a result of exceeding required payments. I have not heard back from studentaid.gov regarding this matter. Separately, I am working my state representative on this matter. Thank You
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA (VA)

My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.
Consumer complaint received 2022-11-02
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. (FL)

They are incorrectly reporting a late payment : Account history Payment history guide 30 days past due as of XX/XX/2022 XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/2022 XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX No phone number available Address identification number Not available Type Charge Card Terms NA Credit limit or original amount {$200.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual *This was paid in FULL in XX/XX/2022 for {$92.00} and payment was never late
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are two attempts to get a XXXX charge card on my credit report. Clearly someone is trying to use my information that has no idea who I am. You can see that they applied totally spelling my last name wrong both times but the same each time. I dont even know how stupid someone would have to be to NOT detect that this is fraud.
Consumer complaint received 2022-11-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

Equifax fraudulently reported XX/XX/2022 balance of my XXXX credit card for XX/XX/2022. 

XXXX XXXX XXXX Report Date : XX/XX/2022 Reported Balance {$3000.00} Credit Limit {$5600.00} = Credit UtilizationXXXX % It was reported with a Balance of {$230.00} on my XXXX credit report on XX/XX/2022.
Consumer complaint received 2023-07-26
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. (FL)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have two credit cards by chase bank. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.