davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (FL)

I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( XXXX ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( XXXX ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-07
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-01-07
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. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (WA)

I have already sent letters to the Credit Bureaus to update or remove incorrect / previous addresses on my Credit Report. However, it has been more than 30 days but to no changes at all. I have submitted all necessary documents such as a copy of my ID and Proof of Address which shows my identity and current address, respectively. I also reported this matter to FTC.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (SC)

On XX/XX/2022, while at work, I got a recorded phone call stating my affirm account had attempted fraudulent charges and to press 1 to speak with a representative, in which I did so. The man on the phone asked for a code sent to me so I gave it to him, after all, he was an affirm employee, as I thought. He walked me through steps of a virtual card stating they could track where the attempted charges began this way. Half way through the phone call I told him I was going to hang up and call affirm customer service to verify and I hung up. When I called affirm immediately they said 2 charges where attempted for XXXX and XXXX and I confirmed they were unauthorized. On XX/XX/XXXX they deemed me responsible for these charges. They say they take these charges seriously but we're quick to scuff this off and I even had a representative laugh at me about the situation. I have since contacted the XXXX  and the ftc as I dont know where to turn at this point about this situation.
Consumer complaint received 2023-08-15
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. (NJ)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX ; XXXX XXXX XXXX XXXX, XXXX, Ga XXXX. These are the incorrect addresses that are being reported by Experian on my credit report. As for XXXX, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with XXXX. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with Experian XXXX XXXX have not been successful. My current and only address should show as the following : XXXX XXXX XXXX, XXXX, Ga XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-16
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: EQUIFAX, INC. (MS)

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, the unauthorized inquiries should be removed immediately.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KS)

On XXXX XXXX 2016 I made a payment of {$3300.00} to Nationstar Mortgage via a bank wire from my account to the account they provided me. I have faxed them my bank statements and a screen shot showing the transaction, which was done in XXXX separate ones the first for {$2500.00} and the next for {$860.00}. I also called my bank and got the transaction confirmation numbers and gave those to Nationstar. Nationstar still has my house in active foreclosure and claim they have not received the payment and are researching the issue. Due to the foreclosure status they will not accept any payments until all the past due amount is paid which is with the {$3300.00} they are not crediting to my account. This is causing me additional late fees not being able to make my current payments. I do n't know how to get the money back or make them credit it even with the proof I have sent in.
Consumer complaint received 2019-05-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (TX)

Re National Enterprise Systems Account XXXX On XX/XX/XXXX I called National Enterprise Systems collection company at ( XXXX ) XXXX. I explained to the agent ( XXXX XXXX ) that I received a demand notice from them in the mail a few days prior, stating that I owed them {$42000.00} ( On behalf of XXXX XXXX XXXX ) I explained to the agent that I have dealt with two prior collection agencies over the past 12 years and both were able to verify that I have never signed a contract with XXXX XXXX XXXX. Without explanation I was put on hold and transferred to a woman named XXXX ( Her direct number is XXXX XXXX XXXX ext XXXX ) XXXX informed me that the collection account was sent to National Enterprise Systems by a company called XXXX XXXX XXXX. XXXX promised me that she would request document verification ( promissory note ) and send that to my email at XXXX. 
I had recently applied for a loan and reviewed my credit report today. My credit report shows a collection account that was filed by National Enterprise Systems on XX/XX/2019. This collection was reported to the Credit Bureau before the demand latter was even sent to me by National Enterprise Systems and they have made no attempt to provide me with documents, remove the collection from my credit or show that the collection is in dispute. 
My phone conversation was knowingly recorder by the collection agency. I also have a recording of the conversation.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My name is XXXX XXXX, I was affected by XXXX in XXXX XXXX XXXXs and XXXX after, Im appreciative and was approved for HAF program I currently have freedom mortgage as my servicer and I let them know my HAF was pending when doing a loan modification I was approved for HAF they were paying the entire amount that was on my partial claim and extra to pay a few months and actually allow me to catch up with other bills like my XXXX electric now at risk for disconnect, freedom mortgage actually sent the HAF payment back I was dumbfounded Ive called and messaged both HAF and freedom mortgage but it seems Im in a limbo and now have no idea what is going on.! they approved me for XXXX they returned XXXX please help as this is insane and Im just getting the run around thank u XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Also I has an overage in money on mortgage they wind up keeping that as well please help
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct Number : XXXXXXXX XXXX XXXX ACCT  Number : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHT. 



: 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (UT)

I applied for an XXXX XXXX XXXX XXXX XXXX card a few months ago because the offer was 0 % interest for the first 12 months. I noticed today that I have been being charged interest ever since the card was activated and first purchase made. I called CHASE Bank to inquire as to why, they transferred me to XXXX XXXX XXXX, who confirmed that the XXXX XXXX XXXX XXXX XXXX card DOES come with the 0 % interest for the first 12 months and told me to contact the bank. I told her ( XXXX ) I already did and they transferred me to her. She put me on hold and transferred me to CHASE anyway. CHASE then proceded to tell me that is not true. I wanted to speak to a supervisor. A supervisor got on the call, and was immediately defensive and did not acknowledge that I had JUST been transfered from XXXX who told me this card does carry that 0 % interest for the first 12 months offer. He told me it does not and proceded to berate me. I used fowl language because I was tired of the run around and no one bothered to help me. I told CHASE and XXXX this was a deceiptful practice and that I was going to file a complaint.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" Transunion '' , ( along with  XXXX  &amp;   XXXX   ) has b een reporting completely FALSE information about me for months now. I have tirelessly paid off my credit card bills by at least 85 %, and they still have me at an ENORMOUSLY HIGH level of credit card use. This is SEVERELY HURTING me, as I have been trying to trade in my car, and should be AT LEAST  XXXX  pints higher on my Transunion  Credit Rating.   They have a plethora of misinformation from my company being called  XXXX   XXXX   (  which Ive never even heard of ) to OLD ACCOUNTS that were  discharged  in bankruptcy YEARS ago and are suddenly popping up NOW. I have spoken to their RIDICULOUS and RUDE OUTSOURCED operators. I have sent them letters. And NOW I have spoken to the most powerful CLASS ACTION attorney in the country who agrees with me 1000 % on Transunion 's UNFAIR and ILLEGAL business practices, as they are doing the SAME THING to   XXXX   XXXX   of THOUSANDS of people. They transgress FAIR CREDIT REPORTING LAWS, AUDACITY LAWS, and a plethora of other LAWS ... THEY NEED TO BE PUBLICALLY called out on their unfair consumer practices and I believe they should be SHUT DOWN in entirety.     I sent the " Above '' complaint to the BBB ....   After ALL of that, Transunion NOW has created a NEW ALERT that I have NEW EMPLOYMENT with  XXXX   XXXX !!!! Was it NOT CLEAR that I have NEVER HEARD OF  XXXX   XXXX ?????   They are SO OFF and SO DAMAGING ...   I can not believe that they are allowed to RUIN my life in this way ... ..   EVERY CREDIT CARD is paid off.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I file a fraud charge to the Navy Federal Credit Union in XXXX, Arizona, that appeared on my checking account and I had never been in contact with the merchant. I forget the amount of the fraudulent charge. But I think if was for {$44.00} The person at the credit union I talked to was very efficient and polite. She explained to me my debit card will have to be replaced and for me to destroy the one I had. Instead of waiting for it to be mailed to me, on XX/XX/XXXX, I drove seventeen miles to the Naval Federal Credit Union and requested replacement of my Debit Card. The debit card was replace immediately. I then made a withdrawl from my checking account, and was expecting an automatic deposit of {$320.00} to appear in my account on the XXXX of XXXX for XXXX XXXX. I was also expecting my retirement check for {$3700.00} from XXXX XXXX XXXX XXXX to be deposited into my account on XX/XX/XXXX. I received an email from XXXX XXXX XXXX XXXX that these deposits had been credited to my account. 

The following day I received an email from the XXXX XXXX XXXX XXXX, stating my password had changed successfully. I tried to access my account I entered my password and my account wouldn't accept my password. I also tried my debit card and I received a note that my debit card was frozen for XXXX year. I called the bank and complained about the debit card being frozen for XXXX year and the representative I talked to couldn't correct the problem and she said she has never heared of any Debit card being frozen for a year. I couldn't enter my account.nor could I use my debit card and I had to purchase a few items from XXXX. I made my selections on XXXX and paid for them by using my Naval Credit Union checking account and routing symbol and I didn't use the debit card. 
After I made these purchases in the amount of $ XXXX was notified by XXXX that there was a problem with the payment and I had to use a different payment method. I cancelled the entire order.
Consumer complaint received 2019-05-13
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: AMERICAN EXPRESS COMPANY (NE)

Issue : American Express Membership rewards points were not applied to a transaction after customer request. The following is a summary of facts and interactions with American Express customer service with approximate dates. 
XX/XX/19 : I called the customer service number since I was experiencing an issue completing the transaction to redeem my points in the American Express website. I was advised that I had 30 days to redeem my points after my account is cancelled. 

XX/XX/19 : Transaction was processed and points were redeemed. 

XX/XX/19 : Account status updated to inactive/cancel. I called the American Express customer service to confirm my transaction was process as expected and points were going to be use to process the transaction on XX/XX/19. I was advised that my points would be used to settle that transaction. 

XX/XX/19 : Since a balance persisted on the account, I paid the total balance on XX/XX/19 to avoid any negative remarks on my credit history. I called the customer service number and I was advised that there was nothing they could do because my points were forfeited on XX/XX/19, 30 days after my account status changed to inactive. However, the transaction occurred well before the 30 days on XX/XX/19.