davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc. (MN)

I applied and got a great offer. I accepted all documents and conditions. It came to verify my identity and It asked for my SSN. I put my ssn in correctly and it logs me out in an instant. I tried this for a couple days and even on my sisters phone tried to log in. Didnt work just logged out instantly. This time I put in my SSN with one number off and it let me pass. I get to the page where I review and sign my offer, its asking me to verify my identity and make sure I put in the right info.. I corrected my SSN, guess what? It logged me out AGAIN! Few hours later I log back into the app and this time I havent put in my SSN its asking me security questions about my pasts like what car Ive had and where Ive lived. Ive answered those and it said they will contact me by email if Im verified. And got logged out instantly. Now I tried to log back into the app and its not even letting me click on verify my identity I believe its from trying to make duplicate accounts. I need actual help. Resetting my phone and etc wont help I tried that a million times and Ive gotten generic responses from you guys. Which never helps because Im sure everyone resorts to resetting their phone if it start acting up.
Consumer complaint received 2019-02-02
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. (TX)

Experian shows a credit card account which is not mine. The account shown by Experian is : XXXX XXXX XXXX, Account # XXXX, reported as opened XX/XX/2003, with a current balance of {$10000.00}. I have never had, nor been associated with, a revolving credit card account from XXXX XXXX XXXX opened on XX/XX/2003. Despite numerous calls to Experian, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.
Consumer complaint received 2022-12-16
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. (NJ)

XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law XXXX5 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Consumer complaint received 2021-11-16
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. (DC)

this company is clearly and consciously violating my consumer rights in handling my disputes. please see my attachments and process them accordingly. The companies handling of my disputes are affecting my daily life severely as i can not do the things i need to do with the negative remarks on my consumer report.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

Chase bank finally sent a debit card due to the company not providing a physical card for over a month and a half the pin number was forgotten for the original card and their only option was to mail me a pin number which was expected up to ten. Business days later to be received. They claimed the was an iasue with my phpne number which was on file and redundantly suggested i contact my phone company XXXX XXXX a national brand company to see if they had a block on my number which they do not due to me already having several other accounts with this same number amd no other bank has the issues that Chase are having.
Consumer complaint received 2022-10-12
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015.
Consumer complaint received 2022-12-16
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. (NJ)

XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Consumer complaint received 2023-02-21
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. (NY)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. Fraudulent Account : XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status 60 Days Late Past due amount {$51000.00} Fraudulent Account : XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed OPEN Status 180 Days Late Past due amount {$40.00} Fraudulent Account : XXXX ( Original XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Charge off Past due amount {$83.00}. 
Unauthorized Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of XXXX
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My daughter XXXX XXXX XXXX used my social security number and an old driver 's license to purchase a home without my knowledge with XXXX XXXX in XX/XX/XXXX. I was made aware of this in XXXX when she defaulted and the bank informed me I was responsible. I have contacted the bank and made them aware I have been a resident of Texas since XXXX of XXXX and did not make this mortgage. Wells Fargo purchased the loan company and asked for copies of my signature and original copies of the documentation I had concerning this mortgage. I have never been in the presence of XXXX XXXX, to sign for the first deed. Wells Fargo has since determined it was my signature when it is not because I was not in the state of California. They have also kept all documentation concerning this matter at the request of my daughter. Wells Fargo has refused to remove my name from this account and a letter dated XX/XX/XXXX was mailed to my residence in XXXX Texas. It is escrow documents in the name of XXXX XXXX XXXX and XXXX XXXX that have my signature and has been notarized by XXXX XXXX ( # XXXX ) stating I signed these documents on XX/XX/XXXX. I was never in the presence of XXXX XXXX. I was not in the state of California to sign any of these documents and I know nothing about the purchase of this home nor the mortgage attached. The bank and my daughter have defrauded the state of California and continue to do so even after I have asked them to stop. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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. (CA)

I am thankful for the progress made but exasperated by the fact that my identity theft situation remains unresolved. However, my relief is marred by the fact that the following fraudulent accounts persist on my credit report : XXXX XXXX and XXXX XXXX I am a victim of a grave injustice. These fraudulent accounts are not only causing severe damage to my creditworthiness, but they are also affecting my financial stability, limiting my ability to secure loans, and increasing my stress levels exponentially.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MI)

XX/XX/21 on Robinhood I sold XXXX of BTC and XXXX recievied email confirmation. Today XX/XX/21 an unauthorized Deposit of XXXX from my bank account to Robinhood was completed, I did not do this! Robinhood said they will lock my account while they investigate but the problem is my money will be locked there. Robinhood took out XXXX without permission and refuses to admit wrong or give it back with out freezing my account for undertermined amount of time while they " investigate '' this is unacceptable as they have cause me financial pain by approving an unauthorized deposit which has left me in negative standing with my bank. Robinhood is doing something wrong here, I have email confirmation and no records of a deposit. Please help and please end Robinhoods shady practices.
Consumer complaint received 2022-05-20
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)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXXy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} XXXX XXXX  account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$24000.00} XXXX XXXX. {$25000.00}
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified and unauthorized items must be removed. I never gave you permissible permission to report without my consent and I never consent anything 15USC1681.
Consumer complaint received 2016-06-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (SC)

It was many years ago when I got a check cashed at check n go.I did n't have the money to pay them back so I did n't pay them They never bothered me about it until about a month ago.That was around 10 years ago.Now they say I owe them XXXX dollars and threaten to put a levy on my bank account.I am on social security and can not pay it.
Consumer complaint received 2021-07-24
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. (CO)

This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Phoenix Financial Services LLC (CA)

XXXX has been non-compliant with removing the unverified account PHOENIX FINANCIAL SERVICES LLC Opened Date XX/XX/ 2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that PHOENIX FINANCIAL SERVICES LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-10-06
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. (CA)

I am thankful for the progress made but exasperated by the fact that my identity theft situation remains unresolved. However, my relief is marred by the fact that the following fraudulent accounts persist on my credit report : XXXX XXXXXXXX XXXX I am a victim of a grave injustice. These fraudulent accounts are not only causing severe damage to my creditworthiness, but they are also affecting my financial stability, limiting my ability to secure loans, and increasing my stress levels exponentially.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2020-02-12
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. (GA)

One of my accounts is showing closed, when it should be showing as still open. I have been faithfully paying on it for the past couple of years ( which shows on the credit report ), but the account is erroneously showing a closed status.
Consumer complaint received 2023-02-21
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)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXXXXXX System Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2023-02-21
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. (GA)

The address XXXX XXXX XXXX, XXXX, GA, XXXX does not belong on my credit report and should be removed immediately The ONLY address should be XXXX XXXX XXXX, XXXX, GA, XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

EXPERIAN continues to violate the fair credit reporting act. Experian has not provided an explanation to the questions I have asked in my previous eight complaints. 

XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Incorrect information on your report XXXX Improper use of your report XXXX Improper use of your report XXXX Improper use of your report XXXX Improper use of your report Since EXPERIAN is operating outside of the American Legal system - Fair Credit Reporting Act, I hereby revoke all permissions EXPERIAN may assert I granted them to utilize my name and social security number for credit reporting services and other undisclosed purposes. This revocation applies to the all the companies that have conducted soft inquiries during my requested security freeze. My conclusion is that EXPERIAN is modeling XXXXXXXX XXXX  social credit scoring system and imposing that system upon me. I did not volunteer to participate in such system. 
Missing information in my report for example, is the absence of employment history. The Social Security Administration is now relying on the credit report and identity providers to provide information to their agency that the government agency should already have. A example of the information is XXXX contributions to Social Security through employment which is information the IRS should already have. In addition, the US Treasury Department awarded a five year contract to XXXX XXXX to validate accounts for the IRS and Social Security. So if XXXX XXXX determines your SSA account is not valid, the bank will not issue the social security payments on behalf of the SSA. In addition, Americans can expect more SSI overpayments will be created as debt on their name and social security numbers. The false debt will be used against any social security payments at due at retirement age. survivor benefits, disability or XXXX. SSA Option 6, whatever that means appeared on my EXPERIAN credit report recently to create a false SSI overpayment. The fact that SSA is appearing on my credit report proves that EXPERIAN is facilitating a social credit system similar to XXXX. 
How accurate will the information provided to SSA be from EXPERIAN and XXXX XXXX?
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.