davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXXXXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach
Consumer complaint received 2023-05-28
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft and somewhere near XX/XX/2021, someone opened a credit card with Chase under my name. I tried calling the company around the end of XXXX of this year, but the automated robot wouldnt get me through to customer support. I cant make an online account because I dont know the cards info, so I had no way to reach them.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (AZ)

CREDIT KARMA, I CAN NOT ACCESS OR DELETE MY ACCOUNT. 
THEY HAVE NO PHONE # TO TALK TO ANYONE. 
I HAVE SUBMITTED A FORM WITH MY PROBLEM AT THEIR SITE. 
I SAW THAT PEOPLE HAVE NOT BEEN GETTING A REPLY FROM CK WHEN SUBMITTING EMAILS TO THEM.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

My credit report is showing that my CC is closed. My credit card isnt closed and is open and active. This is impacting my available balance and has caused my credit to drop. I called the bank and they said my account is open, active and not closed so the report is wrong and my overall balance decreased by XXXX.
Consumer complaint received 2023-05-30
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 U.S.C XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have 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 7years. 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 know or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-05-28
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information provided regarding the above account is imprecise. The stated balance of {$2000.00} exceeds the amount I recall. Additionally, I request the removal of the amount indicated in the Past Due section since this account has a closed and charged-off status. To clarify the reported data, I intend to contact the creditor directly. Until the appropriate corrections are made, I kindly request Equifax to mark this account as disputed. 

XXXX XXXX ( Account XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Equifax to remove the late payment associated with it.
Consumer complaint received 2018-10-08
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: TD BANK US HOLDING COMPANY (FL)

Creditor : TD BANK USA/XXXX XXXX. Account # : XXXX, account ID : XXXX. I recently filed a dispute directly with the creditor and requested an investigation into the account as I found multiple inaccuracies being reported in my credit files. The specific inaccuracies are shown in the attached letter mailed to the creditor. I also contacted the creditor via phone and a representative named XXXX, explained that this account was very old and no information could be verified. My best option was to mail a letter because it would take about 30 days to conduct the investigation since information was unavailable in the computer. If the representative is telling me to mail in my dispute, and that it would take 30 days to conduct an investigation into the account, why was a letter sent to me by the creditor within 4 days of receiving my dispute? Upon receiving the attached response from XXXX XXXX dated XX/XX/2018, the specific items mentioned in my original letter to XXXX  for this account continue to be reported inaccurately. In other words, nothing has been corrected and XXXX continues to verify inaccurate information as accurate to the credit bureaus. XXXX is just trying to maintain inaccurate negative information in my credit file because they work with the credit bureaus to profit off of negative information. 

TD BANK USA/XXXX XXXX has not conducted a legitimate and reasonable investigation as required by the FCRA. TD BANK USA/XXXX  XXXX should be held accountable for violation of federal consumer laws.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I was promised 0 % interest for two years, I had been making payments, usually more than the minimum, had made it more than half way through my original balance when they charged me double my new balance in interest. While checking out wheat was going on with the account I noticed there was interest fees charged the whole time. When I signed up for the card I was promised no interest for two years.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

I was called by Lein Enforcement Inc. regarding a debt that I was not aware of on Tuesday, XX/XX/2023. The debt they claim I owe is for overdue towing charges for a vehicle no longer in my possession. They then proceeded to name my employer my home address as well as other personal information. I explained I sold the vehicle long before it was towed and submitted a Release of liability to my DMV in California. They provided an email " XXXX '' to submit proof of the release of liability. Later that day I submitted proof and Called the next day. On Wednesday, XX/XX/2023 I called the debt collecting to inform them I submitted the proof of a release of liability. The operator then stated the information is incomplete and that I owe {$1500.00}. After I explained again that I submitted a release of liability to the operator they will talk to their supervisor regarding the situation after a short moment the operator comes back on and states their boss agreed to settle the debt for {$1300.00}. They told me I have one week until this new settlement is available, and a week has passed they stated they will garnish my wages.
Consumer complaint received 2020-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Amcap Investments, LLC (TX)

After we closed on our home XXXX XXXX XXXX XXXX TX ( XX/XX/XXXX ) the very next day, the realtor ( XXXX XXXX ) changed the locked on the home I purchased because XXXX XXXX ( branch XXXX for XXXX XXXX home loans ) said I owed an additional {$1000.00} to the title company. At the time of closing, I paid exactly what XXXX 's email stated I should bring to closing. Then after I closed, the realtor changed the locks on the home. 

XXXX stated we would not have to pay taxes on our home because my husband is XXXX. We lived in the home for 3 months in XXXX and had to pay between $ XXXX {$9000.00} in taxes for XXXX. For some reason at the closing, the taxes were not paid for in XXXX and were charged to us in XX/XX/XXXX. The mortgage company XXXX XXXX   paid the taxes on our behalf ( XXXX XXXX ) but we were unaware that the taxes were not taken care of for the time period we did not live in the home ( XXXX XXXX - XX/XX/XXXX )
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST MERCHANTS CORPORATION (MN)

This is the message I received via text. " First Merchants Bank ( XXXX ) Your card is locked. Call XXXX immediately. '' I do not have an account at First Merchants Bank. This is the second text message from the so-called bank. The first one came XXXX XX/XX/2023, The second one came today, Saturday XXXX XX/XX/2023. I have not responded to these texts.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I believe that my identity has been stolen for a second time. Someone opened a Bank of America credit card in my name ( the address used was on XXXX XXXX, XXXX, Florida ) ; also, I began receiving hundreds of emails in my XXXX account, telling me that I had signed up for accounts - or even ordered products - from companies all over the world.
Consumer complaint received 2020-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are Medical, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-30
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. (AR)

I am submitting my complain for you to notify that I am dissappointed as I saw my credit file with such an erroneous items. Through the law 605b of the FCRA, im sending this letter for you to help me establish a legal course. Kindly adhere to the law. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MS)

My credit union was rejecting my car payments so I went into bill pay and changed the acct number by adding one digit. I waited for the next payment to see if it worked XX/XX/XXXX. It showed it worked. I then realized it made two payments. I called and the first woman said lets fix that and she said she did then transfered me to file a claim. I was disconnected. I called back twice and kept getting disconnected. I called back two days later and the woman now told me it was my fault I had two payments scheduled. I said when I go into bill pay and press that payee it doesnt even have repeat checked so how could I have done two payments? I didnt! I was told by prior person it was fixed and second person wouldnt open a claim for me. Trusting my bank was wrong! For the next two months they paid it twice and this entire time repeat is not checked. I called and asked how I see a history of payments to one payee and the person told me I cant system doesnt do that. I was evicted because i couldnt pay my rent and they did it again and Im so beyond upset! I send messages in and cant get help that way either! Over {$1300.00} was paid and shouldnt have been and there response is oh well its your fault!
Consumer complaint received 2020-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXXl XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

these 2 reporting companies are not updating my credit report properly, 2 months go by and accounts still reflect same balances. my XXXX  is XXXX and these 2 are in the low XXXX 's
Consumer complaint received 2020-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

This debt collection reported a debt for {$1400.00}. I disputed the debt in XX/XX/XXXX and it was found to be accurate, with no proof. The company then changed the account open date to XX/XX/XXXX. This is completely fabricated. They have refused to respond to my attempts to get proof of this debt, including the date. This company changes the open dates on accounts to keep them from reaching the 7 years. My credit score dropped XXXX points in one day when they falsely changed the open date to be more recent.
Consumer complaint received 2023-02-16
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. (UT)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXRT XXXX
Consumer complaint received 2022-12-30
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)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX