davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I have a debt collect from a apartment I stayed in from XXXX. I put in a notice to vacate 60 days prior I did a walk through and turned in my keys. Now two years later they are stating I broke my lease and caused damage that I didnt not do. I have asked for a list from it data international and the XXXX  and no one will give it to me. I never got anything from the XXXX  when I moved out. No deposit back. No summary are anything from the via mail email or call and they had my forwarding address. 

The companies involved Iq data international XXXX XXXX
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We refinanced a loan that closed and paid off PHH Mortgage on XX/XX/2021. The payoff statement was issued XX/XX/2021 which showed that we had not made XXXX 's payment yet as we were anticipating a closing soon. When we realized that we weren't going to close until the end of the month, we went online and made the house payment on XX/XX/2021 ( attached ) The payoff statement indicated that payment had not been made and was included in the total ( attached ) that was sent in as the total payoff. After initially calling about hem additional payment being refunded, we were told that they would go through the account and issue a refund within 20 days. On XX/XX/2021 we received a check for the escrow balance only, it did not include the additional payment as we'd been led to expect. 

After another call this morning trying to get it resolved, it was obvious that the call center person I was speaking with had zero clue what to do and made multiple attempts to transfer me to some other department. Finally, he gave up and asked for my information for an escalation specialist to call me back. I have zero confidence in this company to resolve the issue at this point and would like to get some assistance from your agency.
Consumer complaint received 2021-12-28
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. (MI)

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian any permission to report Anything to my credit report.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021, Wells Fargo sent 5 emails with confirmation codes to set up and confirm a new account under MY NAME and EMAIL ADDRESS. A 6th email followed with a notification that the email address had been changed. Made a report to both Wells Fargo concerning the fraudulent creation of an account under my name. They required my SSN to preclude any creation of further accounts and provide a report 6 weeks later on their investigation.

I was able to prove that my email account had not been accessed from any other devices. Also, the first 5 emails all had the identical timestamp. None of the emails required verification codes to be entered at the website. It seemed like the initial steps were automated and then moved to a new email address about 10 minutes later. 

On XX/XX/2021, my credit reports were alerting the creation of new accounts at Wells Fargo. 

An online search indicates others are experiencing the same problem- see XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

NOTICE AND DEMAND The information that is reporting for the month of XXXX is reporting a late which is incorrect. There is a forbearance plan in place and has been in agreement that has been kept please see attached payment that was made on XX/XX/XXXX which is not a late of a XXXX day late. This information needs to be deleted and corrected as not late. This erroneous reporting is on XXXX XXXX, XXXX and Experian and is causing a hardship.
Consumer complaint received 2021-12-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (NM)

I had a debt for a student Loan with XXXX XXXX. I set up a payment plan for {$50.00} per month, and payed monthly until I recieved a letter from them saying that I was caught up and my debt was payed. I also stopped recieveing any bills, or other correspondance from them. 
A few months ago I got a letter from Conserve saying that i now owed them {$2200.00} and that I had 30 days to dispute. I called within the 30 days and left a message that I had payed the debt. 
I have not recieved an email, phone call, or paper bill from Conserve. Conserve does however keep putting derogatory remarks on my credit score. 
I have emailed them twice and left another voice message, with all of my contact information. 
They refuse to correspond with me regarding the matter, but today they made yet another deragatory remark on my credit.
Consumer complaint received 2021-12-28
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. (MI)

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I did not give Transunion my written consent. No consent is identity theft.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I made a purchase with Victoria 's secret credit card which was issued by comenity bank. I was paying balance on credit card every month. Finally I paid what was left in full and get the another bill for {$2.00} finance charge. When I called I was told that previously month I had a balance and that's why finance charges were assessed. According to that logic I will always have balance regardless if it is paid in full. I was told that it does not go indefinitely ( lucky me ) but you have to pay balance in full for 2 consecutive months!?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2021-12-28
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I was notified by Chase my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the XXXX years of payment history was shown and my credit score was at the correct level. Now in XXXX, the XXXX years of payment history no longer shows on my credit report with XXXX. I spoke to chase on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted XXXX on XX/XX/2021 and was told they would investigate it. The personal XXXX credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted Chase to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why Chase reported that to the XXXX bureau. Chase told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to XXXX on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and Chase needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past XXXX weeks to get this issue resolved. This is the third consecutive year that Chase has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing XXXX years worth of payment history due to their negligence. I was told by XXXX today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only Chase can report the payment history and credit card status to be restored to XXXX. XXXX can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (WA)

I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (MI)

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

According to the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation.
Consumer complaint received 2021-12-28
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: JPMORGAN CHASE & CO. (MI)

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give my written consent for anyone to report anything to my consumers credit report. No consent is identity theft.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a Citibank card, and on that card, I had a 0 % APR offer on purchases and balance transfers. I have 4 months left on that offer ( exp in XXXX ). I was then offered a flex loan with my Citibank card on available balance and chose an offer with a 10.99 % APR and 48-month terms to payoff ( 48 payments ). I accepted terms and received the loan. This last weekend, I made two payments on my account. One for the non-flex loan 0 % APR balance, and the other to pay the flex loan amount. I then cancelled the second payment for the flex loan, to keep that loan contract valid. I also accepted a second flex loan plan on the amount I freed up by making first payment. Account status should be at that time, 2 flex plans with separate terms and APRs attached, and {$0.00} balance on the APR purchase/transfer portion of my account. Account overview : Once the 0 % APR portion of my credit card balance for the offer, changes at term expiration, it will change to around 20 % APR. Now, after cancelling the 2nd payment, Citibank has allocated my first payment to the flex loan and not the 0 % APR. My account now has a balance with the higher APR rate attached, no original ( first ) 48-month flex plan which says it is paid off, as well as the second flex plan, which I accepted this weekend. My issue is this is a bait-and-switch or misinformation issue. Citibank offers a flex loan with monthly options of payback at 12, 24, 36, 48, 60 months and APR attached, but then treats the loan as a credit card purchase and pays the account based on APR percentage from highest to lowest. I have a regular purchase balance with APR attached, and I have a loan with its own terms, yet they treat these as % based items, and allocate funds accordingly. I request my original flex plan reinstated. I should have 2 flex plans now, equaling almost {$13000.00} with 48-month terms and payment plans attached. I should have no balance on my account associated with purchase or purchase APR. My monthly payments should be {$130.00} and {$200.00} totaling {$340.00} for next 48 months. Please help me get my account back to this state.
Consumer complaint received 2021-12-28
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. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

On XX/XX/XXXX submitted XXXX application and received a note that will have update within 7-10 business days which would put me prior to my due date of XX/XX/XXXX. I have not heard anything to date, my payment remains to be too high, and I resubmitted another application after continually reaching out. This will effect my credit rating which is a major problem! Company has yet to respond!
Consumer complaint received 2021-12-28
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. (CA)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. The information attached 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-12-20
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. (OR)

TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over XXXX complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX home loan refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX bank, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American XXXX act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a stress induce XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.