davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On or about XXXX I received a robo call from someone who threatened to charge for a service I had not requested. I became concerned about the fact that someone must have my SS # etc ' I called Equifax to see if my information had been compromised. It confirmed that it had been. On this date I froze my credit on XXXX  & XXXX. Equifax has refused to do so despite my spending almost 5 hours on the tp & internet. No explanation, just referring me to someone in the XXXX or elsewhere.Online it says '' sorry we can not complete your request and provides a telephone No ) Calling it I get nowhere until the robe voice cuts off with a ( Thank you for calling Equifax ). I don't wish to file a claim since I have not been damaged yet. Also it seems that relief is limited to {$120.00} or so. Any assistance would be appreciated. If this attitude continues, I will commence a personal action against Equifax.
Consumer complaint received 2019-09-05
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. (VA)

I have sent 3 dispute letters to Experian. One on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are violating my rights by refusing to dispute the negative accounts on my report. The other 2 bureaus have removed stuff because it could not be validated but Experian is saying they are all validated. But according to the Fair Credit Reporting Act for the accounts to be validated they have to be able to provide a signed contract or video of me signing a contract for them to be able to report an account. These negative accounts have not been able to provide such evidence therefore again violating my right per the FTCA. Per the FTCA Experian could be fined {$1000.00} per violation should I choose to take them to court. I am trying to avoid a court proceeding by working with the CFPB and Experian to fix the problems on my Credit report
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/24 got an alert that a new hard pull was found on my XXXX  credit file. Logged into my account and saw Bank of America had issued the hard pull but I dont know what for. I never applied to any cards or for a loan yesterday so there should be no reason for a hard pull to be there. Disputed with XXXX  today
Consumer complaint received 2019-11-26
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
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: JPMORGAN CHASE & CO. (CA)

JPMCB CARD Bank Credit Cards XX/XX/2018 I noticed this credit inquiry run on my report which I did not authorize. Can I please have it removed. I would also like proof of documentation.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Recently my XXXX XXXX VISA account was purchase by Barclays MasterCard which now holds all the records for the account. I believe they also have the authority to withdraw my monthly charges from my bank account. When I received my new Master Card XX/XX/2021, I activated it and visited their website to check on my account. I found that there were two recent charges made to my VISA account now showing on the new Master Card account from a merchant named XXXX XXXX : XX/XX/2021 - {$150.00} XX/XX/2021 - {$170.00} I attempted to contact the customer service number listed on the Barclays Mastercard, XXXX, the same day but was left on hold until the battery on my phone died, over 1 hour. Later the same day I found a way to lodge a dispute on their website which I did, but to date, have had no acknowledgement from them so I continued to try to reach them by phone but never got past their recording that a " relationship manager '' would be right with me. 

I was able to e-mail the merchant involved, XXXX, which immediately acknowledged my complaint, advised me that another charge had been made on the account on XX/XX/XXXX, for {$17000.00} and offered to refund the unauthorized charges if i could not get the credit card company to reverse them so I continued to attempt to make contact with Barclays Master Card on a daily basis. Finally on Saturday, XX/XX/XXXX, after holding for another 45 minutes, a relationship manager, XXXX, took my call. After reviewing my account, she seemed to understand which three charges were unauthorized and agreed to void the new Master Card account, open a new one dropping the fraudulent charges, adding three authorized charges, and send me a card for the new account. Received the new card on Monday, XX/XX/XXXX, but according to their website the unauthorized charges had not been dropped although the charge from XX/XX/XXXX, XXXX have been reversed. I have not activated the card. On XX/XX/XXXX, I receive a paper statement indicating that I must pay the {$570.00} dollar balance by XX/XX/XXXX. Of that total {$510.00} of the charges were unauthorized. 

Yesterday, using Barclays online service, I updated my claim regarding the unauthorized charges including the one from XX/XX/XXXX. I have still received no acknowledgment from the of either of the claims. 

While writing this claim I have been on hold with Barclays for another 45 minutes.
Consumer complaint received 2022-04-16
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. (GA)

XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Consumer complaint received 2022-04-16
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 XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (IL)

This debt is an educational loan through Navient/Sallie Mae opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for Sallie Mae on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that Navient was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to Navients website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

After obtaining the home loan and monthly payment amount in XX/XX/XXXX, a cash plan set forth to pay every two weeks half of the monthly payment. The loan company from the first payment did not correctly disperse the loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the loan company placed three ( 3 ) to four ( 4 ) checks towards monthly payments, none to principal curtailment, then the following month only place one cash amount. The loan company then proceed to call and harass for late fees. The loan company would use the now later payments to apply for the month instead of the early payments, causing an extra two weeks of interest paid, instead of decreasing the principal. Not using the amounts accurately would lead to not recognizing the fourth curtailment within the year 's time. The company was contacted in XX/XX/XXXX when the first issue happened, and in XX/XX/XXXX, when the second issue occurred, at which time the loan company instructed that they are unable to process multiple payments a month and that the payment method needed to be changed. Each time the late fees were reversed but the loan placement was not adjusted leading to added interest being paid. The poor accounting practice of the loan company clearly shows actions slightly derail early payments and principal curtailment in favor of confusion and late fees.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( Transunion, XXXX, and XXXX ) Thank you.
Consumer complaint received 2022-04-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

NCA collection agency says I owe a debt opened up XX/XX/2019 in the amount of {$2100.00}. NCA claims the original debt belongs to XXXX XXXX. I have called XXXX XXXX because I have never had any loan with this company. XXXX XXXX claims that they have no knowledge of the debt due to it being opened in Illinois and they no longer exist in illinois. I called NCA collection agency and requested they send me documentation for proof of me ever having this account and NCA refuses to fo do. Every time I dispute it they state its valid. I have never had a loan with XXXX XXXX. I do not owe this debt.
Consumer complaint received 2019-09-05
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. (FL)

EQUIFAX, XXXX AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX   XXXX XXXX XXXX XXXX  XXXX ACCOUNTS XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay on time?
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MI)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 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.
Consumer complaint received 2023-01-19
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. (TN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Recovery Partners LLC (IN)

On or about XX/XX/XXXX I spoke with them and asked them for an itemized list of charges that the insurance company did not pay. I told them that I would call them once I got with the insurance company to try to get this resolved. On XX/XX/XXXX at XXXX XXXX  they called again and I told them I did not know anything yet. On Friday XX/XX/XXXX XXXX they called and left a message that stated " This message is intended for XXXX XXXX. If this is the wrong number for XXXX XXXX please call me back at XXXX to move the number from our system. If you are not XXXX XXXX hang up. If you are please listen to the message. You should not listen to them message if you are around other people it does contain personal and private information. My name is XXXX. I'm with Receivable Recovery Partners this is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. Please call me back regarding this matter at XXXX. Thank you. on XX/XX/XXXX the called again at XXXX XXXX and told them to stop calling me that I would call them when I heard something from my insurance company. Again on XX/XX/XXXX they called me after I told them to not call me and that I would call them. They left another message as before.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I submitted a complaint ( XXXX ) to Citibank , N.A . ( XXXX XXXX, Regulatory Complaint Specialist responded ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX responded ) to have a CitiBank N.A. account ending in XXXX removed from my credit file. XXXX XXXX  XXXX and XXXX XXXX XXXX filed a Motion for Summary Judgment against me on XX/XX/XXXX see Exhibit A. I went to a hearing on XX/XX/XXXX and the Arbitrator XXXX XXXX XXXX XXXX ruled that the Plaintiff ( CitiBank , N.A . ) was awarded nothing from the Defendant ( XXXX XXXX ) see Exhibit XXXX They could not validate that the account belonged to me. On XX/XX/XXXX XXXX XXXX  XXXX and Citibank stated that they was filing a motion with the Court that was never filed according to court documents. The Judge disposed-Final judgment No Trial..see Exhibit XXXX CitiBank N.A. refuses to remove this account from my credit file and it has caused me a Commercial Injury.