davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
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: EQUIFAX, INC. (TN)

I am filing this complaint because I have disputed with the NCRA EQUIFAX at least 5 times in a row to no avail regarding an account connected to a company called XXXX XXXX XXXX. I have reason to believe the furnisher within that company is unreliable and is giving EQUIFAX default answers via e-OSCAR regarding the reinvestigations that were commenced. The account as it stands is currently inaccurate and incomplete as a whole. EQUIFAX is liable and I am compelled to sue if it continues to provide me with result answers that is contrary to what is reflected in my consumer report received from its system. EQUIFAX is currently in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ).
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

One time I withdrew an amount from a credit card and got circumstances, so I delayed paying and my account was closed, so I paid the amount, but it was more than what I withdrew, so I was paying only because my account was suspended, so I asked them to activate my account and they refused, but they were withdrawing fees from me and my account was closed and they were still withdrawing amounts from me until I withdrew all my money And I went to another bank, they stole my money from me, and I want it back. It's Chase Bank
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2019-12-10
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)

A Fraudlulent XXXX XXXX Account is being reporting on my Experian credit report. This account does not belong to me. I HAVE CONTACTED EXPERIAN ABOUT THIS MATTER ON MANY OCCASIONS.
Consumer complaint received 2023-05-24
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)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-06
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-03
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)

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (NY)

My prepaid XXXX card was locked due to suspicious activity. I have tried to unlock the card by contacting Key Bank and the number provided on the card. From XX/XX/XXXX to XX/XX/XXXX, I have called that phone number every day for 4 hours at a time and no representative answers the phone. I have tried to contact Key Bank directly and visited a branch but was told the phone number is the only option to unlock the card. My funds are unable to be moved and I am unable to use the card at all with no support coming from the bank to resolve the issue.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (AZ)

XX/XX/XXXX and on XX/XX/XXXX they pull our credit and put DELINQUENT Account my Score was about XXXX now its gone down more to XXXX My score would of been up to 550-575 And i could got Rifi! Now on my credit report Exeter Finance llc pull my credit Four Times give me more Inquires so on XX/XX/XXXX saying iam Delinquent and XXXX XXXX , XXXX , ... 
Our Payments are Not due tell XXXX of each Month Plus we got 10 days Grace period.We have upto 1XXXX, to get our payment in ... Exeter Finance put 4 Marks on my Credit Report that should Not be thier.My Credit Union said they could RiFi at lower Rate about 18 % is Better then 26 % we have to pay crooked people ... 
.Iam unemployed from XXXX in XXXX XXXX Utah XXXX.Me my wife fell down got hurt.She fell XX/XX/XXXX i XX/XX/XXXX we tried working one light duty but XXXX Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX to get paid.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

A payment was made from my friend 's XXXX bank account his name is XXXX XXXX and the payment was taken out on XX/XX/2019. The payment posted. 

Amerihome sent me a letter dated XX/XX/XXXX informing me that the payment was reversed due to insufficient funds. I called the mortgage company and they said since XXXX was not an authorized user on my account they sent the payment back and did not honor it. Because the payment needs to come directly out of my account and can not be paid from someone else 's. This process was not in my loan information. 

I asked them how soon would XXXX receive his payment and they said that they would send him a check. 2 weeks go by and I called my mortgage company inquiring about the returned payment and I asked for a supervisor and she said that the payment was rejected and automatically sent back to XXXX 's account ( not true ). She also said that their company does not issue checks for returned payments. 

I also asked about how this would reflect negatively on my credit report and they said that the mistake was on my end, not theirs. 

I called back within 20 minutes and asked to speak to a supervisor and she told me that the payment was never processed due to insufficient funds ( confusing ). I told them that the money was in his account and it was taken out by the mortgage company and I had received a confirmation. 

XXXX still has not received his payment back to his account.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Consumer complaint received 2023-05-24
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. (CA)

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 items 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 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 2023-11-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file 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 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 2020-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have been on an income driven payment plan for my student loans for several years ( REPAYE program ). Last year ( XXXX ), while my loans were serviced with XXXX I recertified for the IDR program and the amount due for the next year was calculated at {$1000.00} to begin on XX/XX/XXXX ( XXXX until then ).  Shortly after recertification, I transferred my loans to FedLoan Servicing. I payed them {$1000.00} in XXXX, XXXX and XXXX of XXXX and {$1000.00} in XXXX. 

On XX/XX/XXXX of XXXX, FedLoan Servicing sent me a letter to notify me that they had recalculated the amount due under my payment plan and that beginning XX/XX/XXXX, the payment would be {$1000.00}. I called them in XXXX to ask why they recalculated it and for a record of what information they used to calculate the new amount. Based on my AGI and household size, there is no mathematical way to arrive at a calculated payment for the REPAYE program of {$1000.00}. I contacted them again in XXXX to ask about their progress on the information I requested. 

In XXXX I received information, but it did not explain the wrong calculation. I called them that day ( XX/XX/XXXX ) to again argue that that their calculation was incorrect. Two people confirmed that the calculation was incorrect. One did not understand why it was wrong ( and told me that it didn't really matter since it was just off by {$15.00} ) and the other gave an explanation of some sort of error by XXXX ( which does not make sense ) and FedLoan Servicing 's calculation algorithm. I was also told there wasn't a way to change the miscalculation in their system. I was instructed to go to the studentloan.gov website and recertify again so that the correct payment amount would be recalculated. 

On XX/XX/XXXX I received the results of the recertification saying that FedLoan Servicing denied the recalculation. The incorrect payment amount still stands. 

The REPAYE calculation is simple. FedLoan Servicing has calculated it incorrectly. They have admitted it is incorrect. Yet, there seems to be nothing that can easily be done to correct this problem. I will continue to work with FedLoan Servicing to get it corrected.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rauch-Milliken International, Inc. (CA)

XXXX  XXXX  account was with XXXX XXXX XXXX, XXXX XXXX XXXX sold XXXX XXXX to XXXX, XXXX XXXX, IL XXXX. By switching the company I had a option to cancel the account and change the company. I was given assurance from my Sales agent " XXXX ( XXXX ) XXXX, XXXX agreed to keep the same condition and the same benefits that was given to XXXX XXXX XXXX by XXXX XXXX XXXX and if XXXX XXXX XXXX don't like the service they can cancel the account. 
XXXX was doing the business totally different than XXXX  XXXX XXXX. They don't have sales agent assigns for business, XXXX  doing business through out sourcing employee base in XXXX. Most phone calls goes to voice mail and answer by different sales people. We finally tired did not satisfy with their service and XX/XX/2019 paid our account in full and request not to renew our account. 
XX/XX/2019 we call for total balance, call answer by Mr. XXXX call center in XXXX. Amount was XXXX. Check of XXXX was sent and it was cleared XX/XX/2019 verified by XXXX, from call center in XXXX. They keep sending us invoice and finally they gave our account to XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. We gave them all the proof and record and our correspondence went almost XX/XX/2019. XX/XX/2019 I received 1st letter from different collection agency for demanding payment, Rauch-Milliken International,  Inc XXXX XXXX  XXXX, XXXX, LA XXXX We response there letter and request to verify all the previous documents from XXXX, with out delay they sent us another threatening letter to take us to court and after judgement seizing our account and property. All the documents are attached.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (NC)

I opened a HELOC line with Regions Bank mortgage ( Regions Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ) in XX/XX/XXXX. I wanted to complete the closing process of the loan at the bank located in XXXX but their loan by phone associate XXXX XXXX insisted I close it at my home since there was no notary available at two different branches I offered to close in XXXX. Finally, when I closed the loan, I wasn't informed about the recapture fee or any fee that would be payable if I terminate the HELOC account before 24 months of opening it. I specifically stated to their Loan by Phone mortgage consultant XXXX XXXX that I am opening the HELOC line just as a backup and I am planning to sell the home soon. Never during the HELOC opening process, I was informed about any recapture or prepayment penalty that would be applicable if the line was closed before 24 months. I would have never opened a HELOC line in the first place if I was told about the recapture fee since I was planning to put the home on market and had informed the same to XXXX over the phone. On XX/XX/XXXX, I visited their branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX to terminate my HELOC account since I was planning to sell the property and needed the account closed. I was absolutely shocked to hear that I have to pay {$970.00} for lien release to close my HELOC account that had XXXX balance and no activity since opening it. 

I would request consumer finance to take strict action against this bank 's unethical and incompetent employees who never explained any fees would be charged if I decide to close my HELOC account. Regions Bank 's Loan by Phone Department just wanted another mortgage customer added to their accounts. I reached out to Regions Customer Service team several times and they were unable to close my HELOC line without payment of {$970.00} fee. My resolution of this complaint would be waiver of {$970.00} recapture fee for lien release and closure of my HELOC account/line which has XXXX balance as of XX/XX/XXXX.
Consumer complaint received 2019-12-10
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: AMERICAN EXPRESS COMPANY (FL)

Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by XXXX. I have also noticed two hard pulls by amex. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (IL)

I was a victim of identity theft and was also in the Experian Data breach. I recently printed a copy of my credit report was distressed of the inaccurate information that is reporting on my report. There were a few accounts on my report that I was unaware of and did not authorize as follows : XXXX XXXX XXXX acct : XXXX XXXX  XXXX XXXX  XXXX acct : XXXX XXXX XXXX  acct : XXXX XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX This company also has my name as XXXX XXXX when that is not what is on my identification. 

These companies have nothing barring my signature for accounts. I have attached FTC report pertaining to these false accounts.
Consumer complaint received 2019-12-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MD)

My Student Loan was disbursed in XXXX  for XX/XX/XXXX	Disbursement $XXXX It is now XXXX  I've paid the amount of $XXXX and they are still saying that I owe $XXXX due to interest. I dont think that this make any since and I think that Navient has scammed me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

After starting a mortgage application, I noticed my credit information on my Experian report was wrong and contacted them on XX/XX/XXXX. I informed Experian of the errors, which was that Experian used someone else 's social security number, date of birth, and even name on my credit report, resulting in a damaging errors and low credit score. 

On XX/XX/XXXX, Experian responded that they have reached out the creditors who confirmed the reporting is correct. However, the issue is that Experian was using the wrong Social Security number, Date of Birth, and name on my credit report, resulting in damaging info on my credit report and score. I've appealed again on XX/XX/XXXX, and the result in pending. I would like CFPB to look into the matter. Thank you!
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this complaint because there are persistent issues with my TRANSUNION consumer report that are out of compliance with the Fair Credit report Act. The accounts TRANSUNION currently has in its system are multiple inaccurate accounts. I want to ensure that the company effectively responds to my dispute.
Consumer complaint received 2022-10-03
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. (MD)

Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}