davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-02-12
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2021-12-19
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)

Ive contacted MoneyLion 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Consumer complaint received 2021-12-19
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. (AZ)

Ive contacted MoneyLion 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Consumer complaint received 2022-02-13
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-19
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. (NC)

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days.
Consumer complaint received 2021-12-19
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. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-19
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: MoneyLion Inc. (AZ)

Ive contacted MoneyLion XXXX times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed by an online investment, and after I realized the scam, I contacted Bank of America to stop any ongoing transactions if possible. But afterward, they investigated the claim and refused to pay me back due to my own authorization for purchasing the product. How am I supposed to know when I was being scammed at that moment, and the fraud department of BoA didn't have any actions on my any of transactions. They called me several times, but they never asked about any reasons for sending the money. THEY FINALLY LOCKED MY ACCOUNT after I transferred almost every dollar in my saving account due to " suspicious activities. '' I am furious about myself for trusting someone online and making those transactions but isn't the reason a fraud department existing in a bank should prevent this kind of situation? Again, they asked nothing about transactions, even though I sent out a total of 60k in one month.
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AZ)

NCA NEVER RESPONDED TO MY VALIDATION REQUEST, THEY ARE REPORTING TWO ACCOUNTS FROM THE REPORT. BOTH OF THE ACCOUNTS REQUEST FOR VALIDATION WERE TOTALLY IGNORED. NEVER GAVE ME A PROOF I OWE THE DEBT. THE DATES ON THE REPORT ARE ALL INACCURATE WITH ALL THREE BUREAUS
Consumer complaint received 2021-12-19
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. (KY)

Complaint XXXX : Experian I recently reached a settlement agreement with XXXX XXXX XXXX from a past due bill. After my XXXX had check in hand and I signed the agreement I waited a few weeks then disputed the charge to have it removed. For whatever reason Experian is the only credit bureau that seems to not want to remove this after submitting the proper documentation as proof they refuse to remove the collection, it has already been removed from the other XXXX credit bureaus XXXX XXXX XXXX XXXX ). I can't understand why they won't remove it, I have paid the debit so why keep it on me unless it's just to bully me for whatever reason beyond my understanding. Any help with this would be greatly appreciated. Thank You
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

I've made bi monthly payments from the start of my loan, on time every month. Flagstar Bank has never stated that I could not do partial payments. Now they say that is the case and can not find my partial payment for XX/XX/XXXX, even though I see it both on their website and my bank account. I believe they applied my payments incorrectly to the account or not at all. I have reached out to them on the phone three times in XX/XX/XXXX regarding the issue, most recently on XX/XX/XXXX. Each time I asked to speak to a manager but at no of those times was there one available. I was then told to email their servicing management e-mail with detail, which I also did on XX/XX/XXXX. I immediately received an automated e-mail saying they received my message, but that is as far as it has gone. I explained the situation as followed : Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$1300.00}. This payment should have been credited to my payment for XX/XX/XXXX. 

o I have made partial bi-monthly payments since having this loan. Taking a look at my history, you can see Ive made payments for : XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. ) XX/XX/XXXX ( XXXX on XXXX, XXXX on XX/XX/XXXX. ) These dates and amounts were visible from my loan details on flagstars page. I have attached a pdf from my bank showing the matching payments that left the account to flagstar. No one that I have talked to at Flagstar can apparently see these. 
o Per the note 3 under your payment information directly listed on the statements flagstar has sent me : Any partial monthly payment made that is not applied to the loan, but instead is held in a separate suspense account until enough funds are received to equal a full payment, at which time, the funds will then be applied to the loan. 

I have called three times this month regarding this issue and no one has helped me. 

o When I requested to speak with a supervisor on my first call, I was told they would not put me on with them because they werent going to help. 

o After my most recent call on XX/XX/XXXX with your service agent, ( i will leave this name blank for the purpose of CFPB ), I was told to write an email to the XXXX e-mail as he looked for over 40 mins for a supervisor and could not find one.
Consumer complaint received 2021-12-19
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: Experian Information Solutions Inc. (PA)

I filed a dispute with Experian and XXXX about inaccurate information being reported on my credit report on XXXX from XXXX XXXX XXXX. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Consumer complaint received 2021-12-19
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. (NC)

My name is XXXX XXXX XXXX and I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX A XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my passport, social security card, and bank statement ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-04-08
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)

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 public record and items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Sapphire Reserve Visa Infinite credit card on XX/XX/2021. 
My application was not immediately approved, so I called into the Chase credit card reconsideration line at XXXX to provide more information in order to be able to expedite the process and get my application approved. 
After talking to an agent from the Chase lending team, she was willing to approve my application, however, since I already have a Chase United Club Visa Infinite credit card with $ XXXX credit limit, she needed an approval from a more senior credit analyst to approve me for the new card with the $ XXXX minimum credit limit. 
I was told by the agent that she has referred my application to a more senior agent for manual review and I will be informed of the decision in 2 to 4 business days. 
I received a letter from Chase on XX/XX/2021 that I need to call into their Fraud Prevention Department at XXXX to verify my identity. 
I contacted this department on XX/XX/2021 and my identity was fully verified. 
I was told by the agent from the fraud department that my application is being sent back to the lending team for final review and approval. 
It is now XX/XX/2021 and my application status is still pending. 
Every time I call the Chase lending team at XXXX, I am being told the same message : " Your application is currently pending. You will be notified in writing of our decision in approximately 2 weeks. '' I have been a chase banking and credit card customer for many many years. I would appreciate it, if you could look into my application, see where it is at, and, if possible, kindly obtain me an approval for the Chase Sapphire Reserve Visa Infinite credit card.
Consumer complaint received 2021-12-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: International Computer Systems, Inc. (ID)

I contacted this company several months ago through a XXXX complaint after they reported on my credit report a debt that was unknown to me that I have never previously been contacted about. They never sent me the initial letter stating what it was or how much was owed, or my rights to dispute, etc. I waited months and never heard back from this collection agency until I received a letter in the mail from them today, still not showing any debt or original creditor, but what I need to send in. I have already sent this information to the credit bureaus and they have previously blocked the other collection agency who was reporting this fraudulent account until this company purchased it. 
I am now fed up with their debt collection practices, I still do n't know what the debt is for, how much, etc. I know it is not mine, because I never resided in XXXX XXXX. I 'm at my wits end with this company, either they remove it or I 'm going to sue them for violation of debt collection practices. You need to investigate this company!
Consumer complaint received 2022-02-14
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE