davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit. 

Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response. 

In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded. 

I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.
Consumer complaint received 2023-12-03
Product: Credit reporting 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: Experian Information Solutions Inc. (OH)

experian blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it
Consumer complaint received 2022-05-27
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 im XXXX  now.with no help.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

I submit this complaint to you in hopes that you are able to help me resolve the issue that I am having with JPMCB Card Services. The data that has been furnished to each consumer reporting agency fails to meet the Fair Credit Reporting Act and Fair Debt Collection Practices Act guidelines to ensure that data furnishers provide information with maximum possible accuracy, and only data that is accurate and complete. 

There have been multiple errors identified in the information that has been furnished to the consumer reporting agencies that include ( but not limited to ) missing information, inconsistent data, and an infringement upon my consumer rights to privacy. I have written to them identifying a significant number of infractions as it relates to their reporting practices. 

Additionally, I have also written to the company on numerous occasions in reference to the missing 1099-C form that is due as result of their decision to charge-off the credit card balance I once held with their organization. As I comprehend the law, it is the responsibility of federal or government agencies or applicable financial entities who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C, Cancelation of Debt form. However, I received notice from their attorney stating My client has not issued a 1099C for this account and is not obligated to do so at this time. I am disagreement with this response as the IRS does state the entity that charges off a debt does not have to file the 1099-C form right away ; however, they are required to supply the form to the debtor. 

This is very concerning because it is my comprehension that the accounts change in status from debt to charge-off status converted the account from a debt account to an income account ; yet, Chase continues to report this account as a debt account to the consumer reporting agencies. This misleading and inaccurate information being furnished is injurious to my reputation.
Consumer complaint received 2022-05-27
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. (NC)

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ID Analytics, Inc. (FL)

I was recently denied a car loan due to the credit scoring model used by Sagestream LLC. My FICO scores with the 3 major credit bureaus are all above 760 and I received a denial letter from XXXX XXXX   stating they could not approve me for an auto loan due to my credit score obtained from Sagestream.  They provided a score of XXXX, MORE THAN 200 POINTS LOWER than what the big 3 credit bureaus have on my record. There are numerous complaints about this company 's fraudulent credit scoring system and I would like to add another complaint to the list. If the credit world had to rely solely on Sagestreams credit model, most of us would not be able to finance anything. This company is a scam and should not be providing such ridiculous and fraudulent credit scoring to companies such as XXXX and many others.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I have received calls from other specialists and when I try to call back mailboxes are full or I do not get a call back. ( my most recent complaint to them resulted in no calls back at my requested times, they did not try to call when I was available ) Then I get a letter in the mail stating that there is nothing that can be done. ( when I try to call back that specialist I get nothing ) I can not let this go. I lost near XXXX on XX/XX/2023 and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Please provide me time with someone who can actually work with me on this. I will continue to escalate this as long as it takes. I plan to continue to complain to bank and federal agencies and am preparing information for the local news as well. Thank you very much! XXXX XXXX
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I sent a debt validation letter to XXXX. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this XXXX  debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: U.S. BANCORP (WI)

- I have received a misleading notice from US Bank, letting me know that I have been approved for a loan. An email stating " Congratulations, your loan is approved '' can be provided as evidence. 
- This email included a " Accept your loan '' call to action. 
- After clicking this call to action, and accepting the loan, I was asked to provide my account information ; the information of the account my checking account where they would disburse the funds and also to set up autopay from this account. I provided all the information. 
- After submitting all this information, I received a " this is not supposed to happen '' -type error message on the screen. 
- I called and was being told that all is good and the loan just needs to be confirmed by an underwriter. I should go to my local branch and sign the paperwork. 
- I went to my local branch and they didn't have the actual paperwork. Told me they'd call me when they have everything. 
- I received a call after 3 days from someone asking me for the two latest pay stubs. They called it " verifying my information ''. So my loan wasn't " approved ''. This is misleading and deceptive. 

Long story short : US Bank provided misleading statements which lead me to waste time, money and resources on their process. I was obviously not approved. It also slowed down a construction project which was supposed to be funded with this loan. They further set the expectation that it was just a matter of signing the paperwork online. Which was inaccurate. I decided to stop this. Sadly, they had already run my credit and now I have this on my credit report. 

I think this needs to be reported. US Bank can't do this. They're setting inaccurate consumer expectations. They need to be called out for this. This needs to have consequences. 

I did the same thing now with XXXX, who also sent a " You are approved '' email. It took 15 minutes and everything was closed and done. A day later the funds were on my account.
Consumer complaint received 2024-04-19
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (PA)

I have been attempting for 3 years to change get a new password so I can access my info. This most basic of all customer service functions is IMPOSSIBLE with this HORRENDOUS company. I find it impossible to believe that this epic lack of capabilities is confined to me and has not been well documents. This company has the favored position of being a govt sanctioned organization to help consumers and they blatently dont deliver and do great harm in the process. I have lived with this issue until now because i am applying for a credit card that only uses Experian and i cant get through to unfreeze my acct. ( I did a blanket freeze across all of the bureaus a few years ago due to an identity theft i encountered. ). 

Experian makes it impossible to get a human on the line and offers no FUNCTIONAL online support as an alternative. THIS IS UNACCEPTABLE.
Consumer complaint received 2023-02-28
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. (TX)

Back on XXXX XXXX did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I.C. SYSTEM, INC contacted me on a debt from a utility agency that they could not accurately communicate date of service. I did not reside at the address provided for over 7 years. This collec tion agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-27
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: LEXISNEXIS (IL)

I recently disputed a bankruptcy with LexisNexis and they were not able to verify this information so they deleted this Bankruptcy from their records. I took the letter they sent me and I opened a dispute with XXXX and XXXX by mail. They both came back stating that the bankruptcy was verified by LexisNexis. Both companies also told me that LexisNexis needs to send them a letter stating they have removed the Bankruptcy from their records. I called LexisNexis and they told me they don't do that. When I called both XXXX and XXXX to tell them what LexisNexis said, they BOTH said that this is the only way they can verify that this Bankruptcy has been removed. I'm asking that LexisNexis report the bankruptcy removal to XXXX and XXXX and send me a letter confirming they did that. Their false reporting is in direct violation of my FCRA rights and has caused me years of stress and my mental health has declined and has caused me to pay extremely high interest rates and has prevented me from buying a home. I'm currently in communication with an FCRA Consumer Lawyer to go over my options with all three companies. 

In my last CFPB complaint for LexisNexis, they stated they could not verify me so they could not proceed so this new complaint includes a copy of the requested information.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

On XX/XX/2022 I saw an alert XXXX credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted XXXX that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted XXXX to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.
Consumer complaint received 2023-01-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.