davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, Capital one sent me an email informing me that my account was being closed and that my money would be transferred to an external account. After a month went by, I filed a complaint because they were still holding my {$4500.00}. They responded that they wouldnt transfer it until all disputes were closed. All disputes have been closed and they are still holding my money.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (GA)

On XXXX XXXX I reach out to American First Finance about my account showing on my credit. When I did the automated service my information would not pull up, so I asked to speak with a rep. Once I spoke with a rep she informed me that my account was sent to a deft collector and she gave me Mercentile information. I reach out to them and was told my balance was XXXX but on my credit its reporting XXXX. So the rep told me that I would need to reach back out to American First for them to update anything on my credit. I called American First back and spoke with a Rep I explained that the balance was not the same as shown on my credit and if it could be updated on my credit. She told me that I would need to reach out the debt collector to make a payment. So I asked her why was the balance different she stated that she did not know and that I made a payment of XXXX. So I asked if I paid the XXXX why hasnt the balance been updated. She stated that I needed to pay the debt collector. So at that point I was confused. I asked her the same thing 5 times and she told me I already paid the XXXX. I even explained that I was trying to buy a house and needed to get this taken care of. I eventually asked for a supervisor and she transferred me back to the debt collector. So I called back to American First and she answered again and told me a supervisor was not available. A few days later I get a voicemail stating that American first was reaching out because of my complaint. I thought it was a supervisor and it wasnt. The guy said a supervisor would call me and I still havent received a call. Also I was told that my complaint would be passed over to the credit department for investigation on last week. Still no update. so I called today and waiting on hold for over 30 minutes and still didnt get any answers.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-23
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2022-04-19
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. (TX)

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX  XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX XXXX # XXXX {$220.00} I've disputed these accounts multiple times with Transunion, XXXX and XXXX over the past year and they are still appearing on my credit reports.
Consumer complaint received 2022-03-23
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Texas Auto Credit, Inc. (TX)

Hello, I have an emergency, I dont know what to do my car was taking repossessed in morning on XXXX XXXX XXXX XXXX XXXX license plate XXXX bought from XXXX XXXX XXXX and the loan company First Texas Auto Credit approved the loan for {$13000.00} Current balance {$6400.00} Ive been trying to get my car back from the repossession company by going through the creditor and they basically to me I was 54 days behind on my payment I would have to resubmit 10 new references and proof of employment, insurance and {$1600.00} and in cluding storage fees, my car note is only {$37000.00} a month they on only had possession for a day and a half why is itt so high but I wasnt going to be difficult about Ill pay it, she then advise me after I give her everything she ask for, theyll contact me me later to tell me their decision if I getting my car back, now its been day six and I still havent heard a thing from them or even given access to the car to retrieve personal property very important and expensive things are in our car my wifes and I have never been late on the notes but this on, car needed some repairs done we gon na pay the remaining balance soon we gotten our taxas back, Thank you, Please stop them from bullies us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

chase freedom account # XXXX credit card # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Control, LLC (GA)

I contracted XXXX was hospitalized, I there were some discrepancies that happened with my business account due to my daughter accidentally using the wrong card in her effort to assist me as I was unable to handle my affairs or return to work. It took me a while to recover from the effects of XXXX. 

I am trying to restore my business and open another account due to this one being closed. I sent payment with the most recent communication I received from the debt collection agency as well as communication via email. 

On XXXX I called to verify if payment was received, and it was verified they received it on XX/XX/2022. The representative stated it was sent to original creditor. I asked for communication regarding receipt of payment as well as closure regarding the collection as the balance has been received and paid in full. 

I also sent communication in writing via email, and received no response. 

I was told by the representative that I had to wait 30 days, of which did not make any sense as the account has been resolved with payment in full. I am trying to establish another account so I can conduct business and I need written resolution an closure regarding this debt as it was an account closed associated with my business. 

.
Consumer complaint received 2022-03-23
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. (HI)

Per the Fair Credit Reporting Act XXXX and Equifax are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my XXXX Credit Report is showing {$1000.00} and from the same account, Equifax is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account XXXX is reporting the High Credit {$16000.00} and on this same account Equifax is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also XXXX is reporting the date last reported as XX/XX/XXXX, and Equifax is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also XXXX is reporting the Date Last Active is XX/XX/XXXX and Equifax is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also XXXX is reporting Date of Last Payment was XX/XX/XXXX and Equifax is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while XXXX and Equifax are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (GA)

Dear EQUIFAX, Hello, I am a middle class women stationed in Georgia and I am the sole care provider for my family of XXXX. As you are aware, credit is key in Americas financial system and I am currently looking to upscale my home and put it on the market at a better price and then finally purchase a home feasible enough to the liking of all my children. With this process, I will need not only funding but a suitable credit score to get approved for my new home loan. Needless to say, I went on a hunt to obtain all three credit reports. And I've noticed multiple pieces of inaccurate information being reported on my EQUIFAX credit report so I figured that I will bring it to the agencies attention sooner then later. These inaccuracies consist of hard inquires that I don't have active accounts under. They are listed below... 
XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX S Inquiry : XX/XX/ 2023 XXXX XXXX XXXX Inquiry : XX/XX/ XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX  S Inquiry : XXXX. XXXX, 2023 XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX  XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX S Inquiry : XXXX. XXXX, 2023 XXXX XXXX  XXXX Inquiry : XXXX. XXXX, 2023
Consumer complaint received 2022-03-23
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. (WA)

XXXX open date XX/XX/XXXX, XXXX XXXX  open date XX/XX/XXXX, XXXX XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, and XXXX XXXX XXXX open date XX/XX/XXXX. 

The accounts above keep coming back as verified when Experian investigates the accounts. I have sent letters to all the creditors above to verify myself and the creditors can't verify the accounts. I'm not even in their database. So I don't know how Experian is verifying the accounts.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am an ongoing victim of identity theft. I subscribed to XXXX XXXX to monitor my credit. After receiving an identity theft alert from them I reviewed the inquiries on my Experian credit report. I identified 11 fraudulent inquiries. Experian told me I would have to contact each creditor to request a Letter of Deletion to remove the erroneous information. They said alternatively, I could obtain an FTC number and provide them with it and they will remove the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022 I requested a limit increase on my visa signature cashrewards account. I was notified by mail that I was denied due to " reaching Navy Federal 's maximum unsecured credit card limit. My limit is currently {$15000.00} and I know for a fact that Navy Federal has accounts that exceed that amount. This information was false and misleading. They also pulled a consumer report from XXXX who reported negatively on my behalf without my permission.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

the paypal company has permanently limited my account and frozen my funds for more than a year, they told me that after XXXX days I could send my money to a bank account but they continue with the mystery of not knowing when I could make it said action, paypal withheld my direct deposit of {$2300.00} dollars as of XX/XX/2021, and to date more than XXXX days have passed.
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

When I finally got the help I needed to make consistent payments with a Fed Server, the government shut things down r/t COVID 19. I continued making my payments only later to find out that the government transferred my account to MOHELA. I continued making payments with MOHELA but no longer can because of the long phone call wait time and now I can't logged into my account to get information about my loans. My account either freezes or locks me out. It's important that I let them know I have moved! I had a better communication with my previous Fed Loan Server and monthly auto payment setup that was working great. This was not necessary for the Federal Government to just change my Server as though my opinion doesn't matter concerning my debt.
Consumer complaint received 2022-03-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

The 3 credit bureaus aren't investigating disputes. I file a dispute about XXXX missed car loan payments. I had arrangements set up with the creditor to defer payments due to covid-19.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage modification was started last XXXX and set to begin in XXXX with a new payment. I provided the paperwork, signed, witness by notary public in XXXX. Freedom never acknowledged and after a few phone calls I found out they had a problem with a mark the notary made and didn't tell me. I requested another notary come out so we could resign and submit paperwork. That was done in early XXXX. I had begun making my new payment amount in XXXX ( and have in XXXX and XXXX, as well ) but the account doesn't reflect any of my modification. It shows " severely delinquent '' and I've received tons of mail communication about how much I owe and what will happen if I don't pay. I've sent over 13 messages through their system ( unanswered ) and called numerous times to get things on track and get answers as to when all of this will be corrected so I can set up recurring monthly payments and actually see where my money is going and what I still owe, and they lie every time about contacting me back to confirm. I've had several dates they promised an update and never gave it. Last week I spoke with 2 escalation agents, one set an appointment in the system for someone from XXXX to contact me and I took the time out of work and no one ever called. I called back the escalation agents and was promised another follow-up call that never came. This company seems to have no interest at all in the well-being of the customer. This has cost me in terms of money, time lost and now health issues. They also flat-out lie about there being a single point of contact working my case with familiarity on all the communications, as each time I've spoken to someone different and they've even stated that's not how the system is set up. So, every single phone call requires me to re-explain the entire history and I can't deal with this any more. They don't deserve my money in the meantime because they're clearly not providing the service they promise. Today, I discovered that they've reported me as 180+ days late on my payments- but they've had the full payment required under the modification terms each month since the modification was supposed to start! They're ruining my credit and they're the ones who can't seem to just finish their own process! I've done my part and continue to, no matter how difficult they make it!!!
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

On multiple attempts I disputed the account on my credit as inaccurated being filed by the collection agency National Credit Systems Inc in the amount of XXXX. This account has been heard before the XXXX District Courts and has been dismissed. In court the amount said to be owed as {$4400.00} but National Credit Systems Inc is reporting an inaccurate amount and verifying it as accurate. I owe no such debt and have not been presented and documents proving otherwise.
Consumer complaint received 2022-03-23
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. (TX)

The credit bureaus have failed to comply with my request to delete all inaccurate personal identifying information such as ; misspelled names, incorrect current and previous addresses. I have mailed multiple letters to the bureaus all of which have gone unanswered. I have been disputing and challenging the inaccuracy being reported on my credit reports for a couple of months now, maybe even one year. I ask that you please help me assert my legal rights and enforce the credit reporting agencies to comply immediately. Their willful disregard has been extremely injurious to my credit profile and I am at my wit 's end.
Consumer complaint received 2019-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are falsely reporting late payments for XXXX, 2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.