davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (PA)

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2023-05-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  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 have 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 2020-08-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX XXXX {$610.00} XXXX   XXXX {$1900.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX  XXXX {$670.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX  XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America Pre-Paid card was charged 3 times by an unknown source. I called Bank of America and was on hold for 3 hours with the fraud department and the call disconneccted. Today I was on for two hours for both call and the call dropped. 

I go online and this is a normal occurrence. I can't get thru to anyone to dispute these charges and people will take my money before I can do anything about this. 

Its not fair that this is how they are treating people reciving unemployment.
Consumer complaint received 2020-08-18
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. (AR)

XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2020-08-07
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are nit mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX  XXXX {$18000.00} XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXXXXXXXX {$3400.00}
Consumer complaint received 2020-10-03
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. (CA)

I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX Experian, XXXX and XXXX XXXX and continue to do so.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for 1/2 my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX XXXX, Transunion and XXXX  XXXX and continue to do so.
Consumer complaint received 2020-08-07
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$13000.00} XXXX XXXX {$300.00} XXXX XXXX   XXXX {$98.00} XXXX XXXX XXXX {$26000.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX 
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX
Consumer complaint received 2020-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NM)

Navient refuses to take my loan out of deferment. I contact them and request that the deferment be waived and they tell me they will put in the request and that I will be notified when it is completed and then nothing happens and you never hear from them again. You call back and the same process happens again. They never address the issue. They have previously removed the same type of deferment and it was supposed to be noted on my account that I did not want any future deferments that I am working towards PSLF. I'm so tired of fighting constantly with this company that doesn't listen, and doesn't care, and has representatives that are unknowledgeable and who are unable to make changes to your account. They continue to underserve and provide wrong information to people pursuing PSLF.
Consumer complaint received 2023-01-09
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. (FL)

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I was contacted on or about XX/XX/XXXX by a representative from Freedom Mortgage about a VA Streamline refinance program for people that have homes with a VA Loan. I explained in great detail that the property located in Illinois was tax exempt. Meaning, I do not pay property taxes on this home due to my status as a XXXX veteran. The laws for XXXX XXXX XXXX exemptions and eligibility are available on their web site. I provided Freedom Mortgage with a copy of the escrow waiver agreement that I signed with the previous mortgage company to show that the payment I make does not include escrow amounts for taxes. The closing documents did not show this change and despite my complaints the streamlined refinance was still initiated and completed by Freedom Mortgage. I have called their office a total of 12 times and sent four email messages to which I have had no response. My mortgage payment has now gone from {$990.00} per month to {$1400.00} due to the increase in collection of property taxes ( for which I am exempt ). I have been unable to get a resolution with the representatives of this company. I have attached a copy of the XXXX taxes that are due on XX/XX/XXXX which shows XXXX  taxes. I have sat on the phone for hours explaining the tax issue to representative of Freedom Mortgage only to be transferred and put on hold several times. I would like your assistance in resolving the issues with the escrow for property taxes.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I have a loan that is currently being serviced by Loancare LLC. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} ) to initiate the forbearance. The forbearance was denied without explanation. I contacted Loancare LLC, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, Loancare LLC has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all 3 credit reporting agencies ( XXXX XXXX and XXXX  ) and continue to do so.
Consumer complaint received 2020-09-25
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2020 : I ordered XXXX light fixtures from XXXX, each costing {$200.00}, for a total cost of {$410.00} charged to my Chase United VISA credit card account. 
XX/XX/2020 : Two packages were shipped from XXXX XXXX, NJ, Package # 1 ( XXXX   XXXX ) and Package # 2 ( XXXX  XXXX ). 
XX/XX/2020 : Package # 1 ( XXXX  XXXX ) was delivered to me. This package contained one of the light fixtures I ordered in good working order. I do NOT dispute the charge for this item. 
XX/XX/2020 : XXXX posted a delivery exception for Package # 2 ( XXXX  XXXX ), noting that it was damaged in transit, that they were unable to deliver the shipment, and that they were returning it to the shipper. I was not contacted directly about the package except via the XXXX  Delivery Manager email. Package # 2 was NOT delivered to  me, and I did NOT make the decision to return the damaged package to the shipper. 
XX/XX/2020 : Damaged Package # 2 ( XXXX XXXX ) was delivered to the shipper in XXXX XXXX, NJ, signed for by XXXX XXXX at XXXX XXXX. I dispute the charge for this item, which I did NOT receive. 

I should note that I tried to contact XXXX once by email and twice by phone after XXXX  notified me that one package would not be delivered to me. I received no response from the company at all. 

On XX/XX/2020 I filed a dispute on the Chase VISA website for the charge of the fixture I did not receive. The website did not provide for submitting any documentation. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I sent a letter to Chase via fax, along with all the documentation, to dispute the charge, and I followed up with a phone call on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I called the Chase dispute number to plead my case. The person I spoke to reviewed the material and told me that they did not understand that there were two packages sent and that I was only disputing receiving one, not both. She recommended I send another letter to explain more clearly and include documentation. I wrote a new letter to Chase and sent it with documentation via fax and USPS. I was told that the vendor had 35 days to respond. On  XX/XX/XXXX I received a letter from Chase saying that my dispute was rejected for the final time and that they will not consider the matter further. 

My documentation includes XXXX tracking records for two packages, and it clearly shows that one package was delivered to me and one was returned to the seller. It boggles my mind that Chase would reject such an obvious claim.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My house payment is {$3000.00}. On XX/XX/XXXX and XXXX I sent payments to BofA through my online banking account with them for {$1500.00} each. On XX/XX/XXXX I messaged them to apply these amounts to my payment due XX/XX/XXXX. They have done this for me multiple times before, including in XXXX. This time I received no response and the amounts were not applied. I messaged BofA through their 'contact us ' feature three more times up until XX/XX/XXXX. Then I began e-mails. On XX/XX/XXXX I finally received an e-mail back from 'Mortgage Servicing Executive Escalations ' stating they had received my complaint and would respond to me soon. One week later I have heard nothing and my payment now shows past due. I tried calling and after navigating the automated system to try to speak to a human being I was told the wait would be 60-90 minutes.  I did not feel it fair to wait that long since I had messaged and e-mailed them multiple times for a payment that I made early and over the required amount.
Consumer complaint received 2020-09-25
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. (TN)

THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-07-01
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. (PA)

Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-03
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. (TX)

I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to me.
Consumer complaint received 2023-12-27
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: NAVY FEDERAL CREDIT UNION (CA)

GAVE NOTICE ON XXXX XXXX XXXX AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XXXX XXXX XXXX  DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. 

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND