davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

on XX/XX/2019 experian reported two new late payments on my file and decreased my fico score by 41 points. there were NO NEW LATE PAYMENTS - the two accounts that were documented as having the two NEW late payments were XXXX XXXX XXXX and XXXX XXXX XXXX. however - both accounts have been closed and charged off for many years. 
for the past 5 years - since they are closed and charged off - there have been NO new late payments reported. see attached experian documentation taken from their web site for my account - you will see 2 " Negative Payment Activity We noticed 2 new negative payment activities. '' however - look at their report stating the last time there was any late payment incidents and you will find the last late payment on my file was 1 year and 2 months ago which is actually not related to either XXXX XXXX nor XXXX XXXX - it was a late payment on a closed PAID IN FULL credit card account - so experian needs to research and explain why i have not had a late payment reported on my file but they report i have 2 new late payments - this is contradicted by their own audit trail on my  late payment history. 

this is incorrect and is causing me financial hardship because it takes my fico score from ok to poor. experian needs to be in adherence with the fair credit reporting act and correct this error on my file and add the 41 point drop back into my fico score. 

Open Credit Cards 0 Open Retail Cards 2 Open Real Estate Loans 0 Open Installment Loans 1 Total Open Accounts 3 Accounts Ever Late 3 Collections Accounts 0 Time Since Negative 1 Year 2 Months Average Account Age 5 Years Oldest Account 11 Years 6 Months
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Tried to check if my credit was still frozen and could not find the link on the website - ( it is hidden under the tab help ) - this option should be highlighted in bold on their main home page, not hidden in a tab. 

I assumed I had to become a member to check if my credit was frozen and went through with 3 steps including entering my credit card number which I assumed was a security check regarding access to a credit report. I signed up and somehow was charged {$24.00} for free credit monitoring services which is not what I wanted, I just wanted to check on a credit freeze. There was no final authorization page for charging credit cards like all websites do when purchasing something. Very deceptive marketing practice and confusing. Then when I went to cancel my subscription, there was two options at the bottom to choose why I was cancelling. I clicked on the big bold orange highlighted tab that brings you back to dashboard without cancelling service. I went back again and repeated the cancellation process and pressed the white tab ( not highlighted ) that said continue and cancel. Very deceptive and very obvious that they are making it difficult for you to cancel. I had to call and make sure that this service was cancelled.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a hard inquiry by Capital One that is negatively impacting my credit score.

I contacted them immediately by phone and they were unable to see it in their system at all bit said it would be investigated. The inquiry remains in my report.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (PA)

AMX informed me that the Social Security Administration has declared me dead as of XX/XX/XXXX. I talked to AMX and they said they need a letter from SSA. Called SSA and qfter 1.5 hr wait time, they said maybe they can get me a letter in the next few weeks saying my death is an error. In the meantime, my fear is that all my credit cards will be shut down, my bank accounts, my mortgage company, and my insurance companies may try to pay out to my beneficiaries. Plus all the bills that I pay through my bank ... will the creditors get those pmts? Will my credit report be affected? I have an almost perfect score! Mostly I want the Social Security Admin to take quick action. I plan to go to their office in the morning, but I don't expect I will be successful in getting them to move quickly. Please help! This all happened today, XX/XX/XXXX. 
Thank you in advance for any help you can give me! 

XXXX XXXX
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank refuses to submit confirmation of loan payoff to the Credit Reporting Agency. On XX/XX/XXXX my loan was paid off in full. On XX/XX/XXXX, I received a letter from Wells Fargo declining my request for a secured credit card with Wells Fargo. The decision was based on " accounts with Wells Fargo were not paid as agreed ( we look for a history of on-time payments ) ''. After contacting the call center bankers, no one was able to explain what accounts are in reference, what needs to be submitted to correct the information, and who can provide an assistance. The only loan account I had with Wells Fargo was paid in full. Wells Fargo bank refused to submit the confirmation of account payoff to Credit Reporting Agencies which damaged my credit history and my credit score.
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting Act, 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 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.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

My issue is with the company Sychrony and their business practices that are going to start making payments harder and fees incurred by the consumer. 

Originally approved for a credit card via XXXX XXXX, a local store in XXXX Illinois. Did not know it was Synchrony. 

Paid about 1/2 of the 18 months of no interest, the company changed their policy. Paper statements would cost {$1.00}. Tried to change my account for 5 days to go paperless. Not an option. The other card from XXXX XXXX  XXXX, managed by them the option was available. 

Letter dated XX/XX/year> I received XX/XX/year> about the changes. I tried on XXXX, XXXX and XXXX for multiple days to change my account to paperless. Also in the letter was something about finance charges but I stopped trying to read it and paid off my card. 

Then I opened a Paypal credit line. I was very unhappy to find out Synchrony manages this. I had trouble finding the credit line information on PayPal but last week found a way to pay via snail mail. Went to the application today and could not find the information anymore. GONE on XX/XX/XXXX. Looked on the web. Many people having issues finding their credit line in the Paypal application and how to pay. I searched on the web and found many complaints. 

So again you can't find your information but they will charge {$1.00} I am sure for sending out paper too for Paypal. I was told by Paypal customer service that I have to LINK my Paypal credit to Paypal. That was never communicated. And maybe Synchrony had a system change. But I never received any communication. 

I have a Synchrony App on my phone and that does not show my Paypal credit line either. 

Synchrony is giving little or no assistance to the consumer which will result in fees, late payments and confusion. 

We already have people struggling with debt. I think Synchrony is going to or is already making money off of people not taking the time, don't have the time to make sure their bills are paid off. 

I think their business practices are inappropriate and they are doing whatever they want. 

Not everyone can pay off a credit card that was originally no interest. And not everyone has the time to check that all their bills came in to be paid. I no longer work. I have XXXX. And I have time to complain to whomever will listen about this company. Their lack of planning or IT resources should not be placed on the consumers bill.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

The date provided in for chapter XXXX bankruptcy is inaccurate my public record states that date I filed is XX/XX/2017, my actual filing date for chapter XXXX is XXXX XXXX per letters from courts Im requesting that it be deleted from my report I have reached out several times via certified mail to Experian they verified that public records were accurate.
Consumer complaint received 2019-08-25
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. (IL)

I was a victim of credit card fraud. From XXXX XXXX my Chase credit card was charged XXXX for XXXX shared rides I did not authorize. I contacted my credit card XX/XX/XXXX. The card was cancelled and charges were removed. Approximately a week later Chase determined I was responsible for the charges. I called chase to dispute the charges and I was told to provide a copy of my XXXX  ride history. The fraudulent charges were XX/XX/2019. My XXXX  ride history did not any rides for the month of XXXX. Despite sending in my ride history, Chase continues to hold me responsible for these charges. I have filed a police reports and identity theft report with the federal trade commission.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I made multiple dispute with TransUnion and they still refuse to remove the inaccurate information on my credit report when I send them all the supporting documentation and they put that they verified the account when you clearly can see that the accounts are inaccurate, i ask how you guys verified the accounts and also can you send me the method of verification also they refuse to send me that as well. 
They are in valiation of my right fdcpa and I demand that the accounts be removed
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.
Consumer complaint received 2019-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (AZ)

On Account information disputed by consumer, meets FCRA requirements. I need written XXXX of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XXXX XXXXXX/XX/XXXX we inquired online for a mortgage loan. We asked for only 1 lender contact us... XXXX XXXX We spoke with them and started the process. On Sunday we received phone call from XXXX telling us that we had asked for XXXX XXXX XXXX & they owned that site. The banker I spoke with was very enthusiastic & offered a low rate. It was only when I asked about high closing costs that I was told it included buying points down. I told them I was not interested in that & rates went up. We asked how to receive a Pre-Approval Letter as we were just starting to search online for a home 5 hrs north to be back closer to family. The banker walked us thru the process & before we knew it we had signed papers & paid application fee of {$500.00}. We had till Thursday to send in documentation to proceed. On Monday we decided not to proceed & called their Customer Service Dept to cancel. The rep. led me to believe it would not be a problem. The next call I received was from the banker telling me we needed to proceed & that getting the Application Fee back was not possible. We declined & told him we would contact CFPB. He told me in a very smug tone to go ahead & do what I needed to do. 
Since then we have rec 'd emails & phone calls to proceed with loan. We declined. Next?
Consumer complaint received 2021-12-05
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. (DE)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I bought a house last XX/XX/XXXX and my credit score was GREAT ( XXXX )! I am now trying to refinance my house and Kohls has a late fee in XX/XX/XXXX and XX/XX/XXXX making my credit score XXXX. My credit score should be over XXXX as I have not had anything change with my credit ... .other than these two items with KOHLS/Capitol One before I even closed on my house last year ( and these did not show up last year ). 
I tried calling Kohls on XX/XX/XXXX to settle this with them over the phone, but they can not get records before XX/XX/XXXX ( is what they stated to me on the phone ). I even called them twice ... speaking to two different people trying to get a resolution. 
I need these amounts to come off my credit as they are not legit and I need to be able to pursue my financial needs of the refinance.
Consumer complaint received 2024-02-05
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. (MN)

The following accounts currently listed and showing on my Experian and XXXX credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX  XXXX XXXX, {$120.00}, XXXX, {$1.00}, XXXX XXXX XXXX XXXX {$250.00} and XXXX XXXX XXXX XXXX {$100.00}
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (TX)

I checked my credit report, which I acquired from this credit bureau reporting organization and I noticed that this unauthorized inquiry had been made, I contacted the credit bureau, who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. Per the Fair Credit Reporting Act, I request you immediately investigate this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2024-02-05
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. (CA)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

XX/XX/2007 i was contacted by XXXX, i was told i was going into default and defaulting on a loan would affect my credit adversely ( the dept of education would take any income tax returns i might be entitled to, and taking my social security benefit at retirement to repay the student loan ). I was unnerved and i did not know who to get valid information from. i contacted a lender provided by the dept of education and XXXX, the lender told me my best option would be to consolidate my subsidized and unsubsidized loan and that would stop the dept of education from taking my income tax returns and at retirement my social security benefit. I borrowed {$43000.00}, XXXX stop providing loans when i reached the {$43000.00} loan disbursement amount. I became behind in my expenses and my debt me to fall behind and eventually defaulting on my student loan. I received my student loan statement and my student loan debt doubled i was told i owe for the loan i actually borrowed from while i attended school but also for another loan that i did not borrow for. I am currently not non default and i received a loan schedule from Navient and my repayment amount has increased from {$360.00} to {$580.00}. I can not me those terms and I am being charged for a loan i did not borrow from or use.
Consumer complaint received 2019-08-25
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. (PA)

There is an account on my credit report that was originally opened and reported as delinquent in XXXX from XXXX XXXX and a company that was contracted to collect the debt. First and foremost, someone used my credit to obtain energy services from XXXX XXXX  while I was not living in the dwelling that the bill is registered to, but on top of that fact, every couple of years, the credit reporting agencies keep reporting the account as a new account on my credit report when in fact this account has been on my credit report since XXXX or XXXX. Today, XXXX this account is being reported as an account that was opened in XXXX. I disputed the account and notified them how long ago this account was originally posted and they still are reporting it as new through Experian.