davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, 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. (MA)

I pay XXXX a month to experian so I can see my scores with the 3 credit bureaus. My scores with Experian are in the 6 's, when I got to other sites like XXXX, XXXX XXXX XXXX XXXX my scores are in the 5 's, this is a 100 point difference! These scores are in the month of XXXX, why is there such a big difference? Is experian being honest, it does not seem to be. Please explain! Thank You!
Consumer complaint received 2023-02-05
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. (MN)

I am a natural person, I have rights under 15 USC 1681.

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

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give Equifax my written permission or consent to furnish these accounts.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, XXXX, equifax and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Consumer complaint received 2020-08-11
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. (WI)

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to transunion, XXXX   XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Consumer complaint received 2022-10-30
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. (MO)

In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (WA)

Our 2nd mortgage was transferred to Shellpoint at the beginning of XXXX, 2020. I sent in a check payment to the address provided. The check was cashed by Shellpoint but not credited to our account. It took over two months to rectify this error. I made two payments in XXXX just to be sure that we would not be 'late ' on our payment. In the meantime, in early XXXX, we received a letter stating that we would be put in the 'Forbearance Program ' unless we responded. We did respond by phone and were sent a letter stating that we had declined the program on XX/XX/XXXX ( see attached ) and that they had fixed the payment recording error. I thought that would be the end of it. In XXXX, we attempted to refinance our mortgage, only to find that we had been placed into forbearance without our consent, and this had been reported on my husband 's credit report. We have called multiple times this past month and are also having IT issues and can not access our Shellpoint account. IT reached out after two weeks but we missed the call. After a month, we have yet to receive a letter stating the error and nothing has been corrected on our credit report.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

As of XX/XX/20, my debt owed to National Credit Systems was satisfied in full. I made the payment and have received a letter from the company stating that there is no longer any further obligation relating to this account, but it is still being reported to the credit bureaus. I have contacted the collection company and am now being asked to pay an additional amount to them so that they can stop reporting to the credit bureaus.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (IL)

Experian will not remove ALL outdated personal information identifiers from my credit report. I have provided enough documentation to prove that I do not live at the addresses listed, my correct name, DOB, and SSN. They are violating my consumer rights.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AK)

Officially changed my name with my banks and credit cards over 1 year ago. This change is still not reflected on my credit reports, causing me to be unable to secure a car loan. I sent in proof of name change, new social security card, and letter with request of action to all credit reporting agencies and did not hear back.
Consumer complaint received 2020-06-11
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. (SC)

I am a victim of identity theft and I have notified the credit bureaus on several occasions. I have submitted my supporting documentation over 30 days ago. The credit bureaus have failed to provide me with proof that these accounts are mine and I have notified authorities of this. I requested an investigation to verify the debt and they have failed to do so. This information needs to be removed immediately.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Im writing this letter to request an investigation of the following : On XX/XX/2020 I tried to access my accounts online with JPMorgan Chase Bank only to find that all my accounts were closed and my assets were frozen without any prior notification. 
After weeks of correspondence and being bullied by customer service and personnel in the Executive Office, some of my assets were released and a check was provided. As of today, XX/XX/2020 the bank is indefinitely holding {$4400.00} from my closed checking account. 
I have explained and provided documentation to every level of the bank indicating that I am a travel nurse and have been negotiating unemployment compensation from the two states that I have been recently employed in, XX/XX/XXXX and XX/XX/XXXX. Because of the pandemic, there has been an extreme amount of confusion and delays with the unemployment insurance agencies that lead to an overpayment from XX/XX/XXXX UIA being deposited to my Chase checking account. I have been working with Arizona UIA to resolve this since XX/XX/2020 but the system is overburdened and very slow to make amends. 
I believe Chase has surpassed the legal investigation period and no longer has any reason hold my assets. Furthermore, the Chase Staff members have been very rude, intransparent and unaccepting of any explanations. 
Please see the attached a timeline.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day and can not verify these accounts, under Section 611 ( 5 ) (  A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-08-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-11
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. (LA)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

THIS IS NOT A DUPLICATE XXXX keeps reporting the incorrect dates on my credit report. I surrendered my lease on XX/XX/2021 but they say I was late in XXXX and XXXX of XXXX and XXXX of XXXX, payments that never happened, while I was on time on other payments that I was late on. 

Please see attached payment schedule of all payments made FROM XXXX that lists actual payments made that do not list any payments due on those dates and show correct late payment dates, as well as letter from XXXX showing when car was surrendered, as well as photos showing correct payment reporting. XXXX TransUnion is incorrect. 

This is an FCRA violation.
Consumer complaint received 2020-08-11
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. (CA)

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with total disabilty. Listed on my Experian, XXXX, and XXXX the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My student loan was paid in full after I became XXXX in the military, my balance was XXXX and was paid in full in full in 2016 with total disabilty. Listed on my XXXX, XXXX, and Transunion the account # XXXX, has remarks listed as Chap XXXX Bankruptcy, when I paid this and was not under ever a bankruptcy. This is affecting my ability to obtain credit or employment.
Consumer complaint received 2022-10-30
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. (IL)

i tried a whole bunch of times to resolve this problem all they did was resolve the bottom of complaint and delete 5 inquirys from my report they didnt do what i requested and provide me with signuture or proof i got something in regards to inquiry like XXXX  XXXX who has a bunch of inquirys on my report and yet i only have 1 card from them not 6 in regards to inquirys they made
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne froze, and then closed my credit accounts ending in XXXX and XXXX. When I called CapitalOne customer service, I was informed that the reason for these closures is multiple returned payments. I was never sent anything in writing indicating that my cards were in danger of being closed. The reason for the closure ( multiple returned payments ) doesnt even apply to the account ending in XXXX, and yet it was closed anyway. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX - XXXX  As you can see above, I paid the account ending in XXXX 14 times during the month of XXXX. ( Before the account was frozen. ) The payments on XX/XX/XXXX and XX/XX/XXXX came from a balance in my checking account that Capital One erroneously made available for transfer. As soon as I became aware of this error, I made a further payment to more than cover the returned payments. I also continued to have auto payment scheduled. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE AUTOPAY PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  As you can see above, I paid the account for the account ending in XXXX three times this month. There were no returned payments on this account. 

I would like this reversed. I have paid off the full balances on both cards, and attempted to solve this with CapitalOne multiple times, but keep being told that there is nothing that can be done. 

Thank you.
Consumer complaint received 2020-08-11
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Merchants' Credit Guide Company (IL)

1. Public record- XX/XX/XXXX XXXXReference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent on XX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA.

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate on XX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. Merchants Credit Guide- Account # XXXX, XXXX {$820.00} 2. XXXX XXXX -Account number XXXX, XXXX $ XXXX creditor : XXXX XXXX. 

3. XXXX-Amount $ XXXX creditors-Sprint- 4. XXXX XXXX-Acount should reflect PAID IN FULL.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

I just saw on my credit report that I have an open account with Wells Fargo Credit Card SVCS and I have  never in my life opened any account under Wells Fargo clearly someone is stealing my identity. I already filed a complaint with the credit bureau as well as identity theft org this is unacceptable and I already knew Wells Fargo history with fraud I just never realized I would be a victim to this.
Consumer complaint received 2024-04-15
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: Global Lending Services LLC (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA.

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.