davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TX)

I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the XXXX XXXX XXXX  ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a XXXX XXXXXXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru XXXX. Im working on that since i am 100 percent they will be discharged hopefully all thru VA. all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if TMI XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX   children. I sure hope this reaches the right person. Thank you so much.
Consumer complaint received 2023-03-10
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-04
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: LEXISNEXIS (MD)

I've tried several times to resolve the issue with Lexis Nexis but this company continues to report a bankrupty to XXXX and XXXX. Also in the companies own words they are unable to identify me but yet they are selling false information the the bureaus. 15 USC 1681 states that the information has to be accurate. I have not entered into any agreement verbally or through a sign contract for Lexis Nexis to provide anything on my behalf. If Lexis Nexis has a signed contract with me please provide this information. Lexis Nexis needs to Cease and Desist on reporting any of my personal information to all of the credit bureaus, phone, mail or electronic communication without written consent from me. I'm providing a letter from Lexis Nexis that clearly states that their company can not identify me.
Consumer complaint received 2021-12-22
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. (VA)

I have items on my credit report that I would like to verify the information on. 

XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXXXXXX XXXX  - Account # - XXXX XXXX XXXXXXXX - Account # - XXXX XXXX  XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX XXXX Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX XXXX - Account # - XXXX XXXX  - Account # XXXX XXXX XXXX - Account # - XXXX XXXX  - Account # - XXXX XXXX - Account # - XXXX Please also remove any inquiries that did NOT result in an account being opened.
Consumer complaint received 2023-03-07
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)

Based on 15 US Code 1681c-2, a consumer reporting agency can block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than 4 business days after dispute receipt.

Per 15 US Code 1681b ( a ) ( 2 ) -permissible purpose, I never gave written permission to any reporting agency to report anything on my consumer report. This violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am requesting the deletion of the following and attached accounts immediately.

15 USC 1681 Section 604-states rights to consumers privacy Reporting agencies can not furnish an account without my written consent!
Consumer complaint received 2023-03-10
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)

I made a purchase with XXXX XXXX on XX/XX/2022. I made a purchase totaling {$250.00} and ended up keeping one item and returning the rest. A few weeks later, I noticed that the returned items had been delivered back to the store, but I didn't receive any emails about a refund. I attempted to contact them but was unsuccessful, so I filed a dispute via Chase. I should mention, I made a mistake when filing the dispute and putting {$250.00} instead of substituting the amount for the one item I kept, which may be causing the confusion. 

On XX/XX/2022, I received an email from XXXX saying that my refund had been sent, so I called to cancel the dispute. However, after a few weeks, the refund wasn't reflected on my account. I reached out to XXXX several times through calls and emails, but they informed me that once a dispute has been opened against an order, they can no longer take any action. They instructed me to contact you in order to receive the refunded amount. I need to reopen the dispute and get {$180.00} refunded by XXXX. 

I have opened a total of three disputes with Chase thus far. The last time, I was instructed to submit a letter to reopen the case, which I did. I provided evidence in the form of screen shots of emails I received from Chase, explained the entire situation, and faxed it to them. Unfortunately, once a dispute is closed, I am no longer able to file a claim online. The second time I opened a dispute, they simply closed it without requesting any additional evidence or documentation to support my case. For my most recent dispute, I called two days after faxing my letter, and was informed that it would take up to two billing cycles to resolve. I waited patiently and called them after a month to get an update, only to be told that they had closed the case after only five days. I do not believe that this is sufficient time for a thorough investigation, yet they decided to close the claim. 

At this point, I am extremely frustrated with both XXXX and Chase. I have been charged a bill that I should not be responsible for, and neither company seems willing to assist me with resolving this issue.
Consumer complaint received 2023-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (NJ)

I fell behind because of Covid. Then coming out struggled with all the other bills as well. From forbearance there was a modification agreement being made and every time 5 times now. The documents were either not sent to all parties involved. Not sorted properly by freedom this ranges from XX/XX/2023 until present however the notarys that freedom sent out did their jobs to the book and still after sending them in. Documents on freedom mortgages side were miss handled or miss placed So finally I asked for the documents to be sent to all three addresses. They said fine. Only 2 would get sent out. This last time. Nothing was sent out. But now they took me off of the modification. Countless communication and still no results. Or I get answers after its too late Now with no where near what I owe my whole family is at risk of losing where they live. All record of communications are in freedoms possession
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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, 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 an 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 or 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 2020-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just came back to america after 4 yrs and i checked my credit report and it says i owe, XXXX XXXX {$910.00} in XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX {$510.00} in XXXX, & XXXX XXXX in XXXX i would like for you to delete this from my credit report since its hurting me, being that im a new citizen in america .
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (AZ)

I had a debt with XXXX XXXX XXXX, XXXX that was paid in full on XX/XX/XXXX. I received a letter from XXXX on XX/XX/XXXX showing that this amount was paid in full. I am now receiving calls from Aargon Agency stating that they have my debt. They are providing me with the exact same balance as well as account number from XXXX. I submitted my letter showing that it was paid in full and they are refusing to honor that letter by stating that it was a different creditor, even though the account number and balance are identical. I have contacted both XXXX and Aargon in regards to this matter and neither are willing to fix the problem.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (TX)

I refinanced my vehicle from Wells Fargo bank to XXXX XXXX Bank XX/XX/2023. I noticed that I was still receiving statements from Wells Fargo XX/XX/2023 so I called to verify my account has been paid as I understand it takes a XXXX  of weeks. The several Wells Fargo customer service agents I have spoken with recommended I make an additional payment or they will report my account as delinquent. I asked to speak with someone higher who could tell me about the status of the check received from XXXX  XXXX and after providing the requested information, they told me that they have NO record of the check from XXXX  XXXX. I also contacted capital XXXX and spoke to someone in a similar department and was told otherwise about the Check. XXXX  XXXX stated that it would have been returned but it has not. So currently I have multiple car notes due form both companies and still being charged interest and late fees from Wells Fargo bank.
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The bank 's electronic payments system does not issue payment when requested, and tries to mask this deficiency by not allowing the account holder ready access to information on pending transactions. This has resulted in one double payment to a vendor and and now two more are pending. The bank has said that they can not cancel a transaction when it is in the " pending '' phase, however payment dates are 4 and 5 days away. To top it off, the customer service rep hung up on me. So much for 167 %, now I'm paying 200 %.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (ND)

Navy Federal continues to inaccurately report a car loan on my credit report for a completely different vehicle than the one I actually paid for with the loan. Not only that they report this loan on XXXX XXXX. Navy Federal also reports an unpaid credit card that due to identity theft had unauthorized usage which was communicated with NFCU. I am asking that Navy Federal remove these inaccurate information and statements from my credit file. Also Navy Federal has been given all documentation to verify my statements. Also Navy Federal needs to provide me with original loan documents for a XXXX XXXX XXXX VIN # XXXX mileage XXXX which was purchased from XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XX/XX/XXXX for {$5500.00} on which was paid for on a loan and a check was drafted off of Navy Federal for {$5500.00}. I am attaching a loan document from Navy Federal which informs me that the loan was for a XXXX XXXX XXXX. I am asking for the same document for the XXXX XXXX. If Navy Federal cant provide it then both incorrect, false, misleading, and inaccurate reports must be deleted off my file and they must cease at once to continue reporting false information.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I paid my XXXX XXXX  account balance in full on XX/XX/2022 for {$95.00}. after a balance of {$0.00} took it to collections for near {$500.00}
Consumer complaint received 2019-02-05
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: BARCLAYS BANK DELAWARE (CA)

INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions. 
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484. 
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9. 
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX  XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX  XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.
Consumer complaint received 2021-10-18
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. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-10
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 wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX  XXXX {$790.00}
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (PA)

i applied for a XXXX XXXX XXXX XXXX mastercard. and i received a email saying congratulations you have been awarded the card. however the company said i was not awarded the card and was only issued a store card. 

here is the email. i can send you the actual one with the letter head if you need to see that. 

the response from the company we dont know what happened we are sorry Hello, XXXX XXXX You're approved! 


Hello XXXX, Congratulations, you've been approved for a XXXX XXXX XXXX XXXX Mastercard. Even better, you're all set to enjoy the perks of your new account. 
Look for your welcome kit to arrive by mail in about the next 2 weeks.

CHECK OUT YOUR BENEFITS About this Activity We sent this message because you submitted an online application for credit. 



Questions or Concerns Visit Account Center for easy access to frequently asked questions. Our Customer Care team is here to help, too. Just call us at XXXX ( XXXX XXXX XXXX XXXX Mastercard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Mastercard ) ( TDD/TTY:XXXX ). 








Copyright 2020 Comenity LLC. This site gives access to services offered by Comenity Capital Bank. 
XXXX XXXX XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 
Please do not respond to this email. Replies to this address can not be serviced. To ensure delivery, please add XXXX to your safe senders list. 

Privacy | Security | Contact
Consumer complaint received 2020-07-09
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT EDXXXX XXXX {$27000.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX {$500.00}
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

When Equifax had its data breach, I read about it and following their instructions, I put a security freeze in addition to an anti-theft program on my credit immediately. At that time my credit rating was around XXXX. 
Two weeks ago I was denied credit for a {$50.00} a month internet service!!!! I tried to correct this by phone with Equifax who would not help me at all, I have requested my report by mail but still do not have it. I received on XX/XX/XXXX, a written denial from the Internet provider and they report my credit score at XXXX. 
NOTHING HAS CHANGED since I put on the freeze.. I am flabbergasted that they can do this to my credit rating - all because Equifax negligently leaked my private information and I used the tools Equifax suggested to protect my identity and assets.