davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I submitted a dispute on XXXX XXXX and I have not heard anything from XXXX, XXXX  or equifax regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX XXXXXXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete
Consumer complaint received 2021-08-11
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: Porania, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-08-11
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a dispute on XXXX XXXX and I have not heard anything from Transunion, XXXX  or XXXX regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX  XXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXXXXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete
Consumer complaint received 2021-08-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (MO)

Today XX/XX/2021 I received a call from what I believe was a law firm saying they had a claim number for me and they even tried calling my mother but they called me after that. The man said the name of the law firm but said it too fast even when I asked him to repeat it. I kept asking what this was in reference to, all he could say was I had to call XXXX and give them the claim number. I call the number he didnt say who his name was or who he was representing. He goes on saying that something about a lawsuit or some claim was against me for a XXXX year old payday loan with a check that had bounced ( not my intention for that to happen ) and he was pushing me to pay and pay and if I didnt my credit would be damaged and wages would be garnished and all I get is social security XXXX. He threatened me with a lawsuit and garnishment. I tried telling the man that this was beyond the statute of limitations but he got defensive and thats when he started threatening me with all that I mentioned above. I dont know what to do.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo closed all 5 of my accounts with no explanation to me or advance notice. Their actions caused my credit report to drop 35 points causing me great financial harm. I want my credit rating to return to what it was before Wells Fargo decided to close all of my accounts.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MA)

I accidently sent an electronic payment of XXXX to Barclay Bank Credit card in XX/XX/2020 through my XXXX XXXX online banking account. 

The credit card was discontinued several years ago but was still on my list of payees. 

I contacted Barclay customer service and they said the payment was sent to another bank as the credit card was sold to them. I never had an account with the other bank and they have no record of me as a client. 

XXXX XXXX  gave me XXXX XXXX to work with because they are the electronic transmittal service. 

XXXX has made numerous phone calls with me on the line to Barclay. XXXX has faxed ( the only way Barclay will accept ) the proof of payment several times. Barclay agents keep saying they have not received proof and will not return my money.

It has been over 7 months and I want them to returnt my money.
Consumer complaint received 2021-08-11
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: Experian Information Solutions Inc. (FL)

I sent couple of letters to XXXX and Experian to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in Experian and XXXX. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery is calling me frequently on robo calls from different phone numbers. Everytime I block their number they call from a different number. They are harrassing me. They have called from : XXXX-XXXX-XXXX  XX/XX/XXXX atXXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX- XXXX  XX/XX/XXXX at XXXX XXXX while I was sleeping.

XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX  XXXX- XXXX-XXXX  XX/XX/XXXX at XXXX XXXX XXXX-XXXX-XXXX  XX/XX/XXXX at XXXXXXXX  XXXX-XXXX-XXXX  XX/XX/XXXX at XXXX XXXX It goes on and on but i feel this is enough to show i am tired of being harrassed by portfolio recovery!
Consumer complaint received 2021-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (FL)

I traded my 2017 XXXX XXXX in, but Santander XXXX still posted the payment as showing negative on my credit. The dealership paid off the remaining balance on my behalf. I never missed a payment until I traded the vehicle in. They still placed the negative payment on my credit report. I need it removed.
Consumer complaint received 2021-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Consumer complaint received 2021-08-11
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. (MS)

I had a recent unauthorized hard inquiry that showed up on my transunion report. I contacted the company who had no knowledge of the inquiry. I contacted transunion about this inaccuracy and was told that they can not do anything about it. According to the FCRA, it is their responsibility to investigate and delete the information if proven not to be correct.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-08-11
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, 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. (NY)

According to my credit reporting service the following - unapproved - inquires are on my account. Currently the following are on my account : XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I believe compliance with FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documentation? Several of the stated accounts exhibit inaccuracies in their reporting.
Consumer complaint received 2021-08-11
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. (TX)

Ive tried disputing XXXX information with Transunion Credit Bureau chat line Representative XXXX on today XX/XX/XXXX after XXXX but representative did not update record but instead disconnect the chat. Ive paid XXXX in full in XXXX but XXXX did not post to my account until the first week of XX/XX/XXXX. Ive disputed this record numerous times but no success. XXXX Credit Bureau has updated the information on their site as paid in full and account closed but when I told the representative XXXX with Transunion per the representative statement that they do not update record for XXXX which wasnt request I was asking and Im not sure how or why this type of response was given. I tried sending the chat request again to explain what Im requesting but the representative closed the chat in the middle of my response. Transunion has prevented me in placing a dispute due to no option for me to select the company. The balance is reflecting in the total debt but I dont see the company to select it to dispute and the representative did not take my request to place a dispute.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (LA)

" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration.
Consumer complaint received 2021-08-11
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: John C. Heath, Attorney at Law, PLLC (GA)

I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned
Consumer complaint received 2021-08-11
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: WELLS FARGO & COMPANY (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX