davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
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. (CA)

Called XXXX to remove Fraud accounts. Was given a extreme hard time over the phone. XXXX  has been informed since XX/XX/2015 with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX
Consumer complaint received 2018-05-12
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. (TX)

I have recently reviewed my credit report and noticed unauthorized inquires. I then faxed and mailed letters on XX/XX/XXXX disputing these unauthorized inquries. All credit bureaus responded with letters on XX/XX/XXXX, stating that all the inquires were accurate and verified, sending no proof that I authorized these inquries.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.
Consumer complaint received 2018-10-08
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. (CA)

Called Transunion to remove Fraud accounts. Was given a extreme hard time over the phone. Transunion has been informed since XX/XX/XXXX with a police report and FTC Affidavit of the identity theft. They promised to lock my report since then to prevent any more Fraudulent accounts. 

Now I have more fraudulent accounts, names, and address on my report! I called them to get this removed just like I did with XXXX. I was told this would take 30 days! this is absurd! I have given all the apocopate documents showing the theft of my identity in detail. 

Reference # XXXX
Consumer complaint received 2018-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (MI)

My debt was deducted by as previously scheduled from my bank account.

However Chase sent me black mail letter citing I am not paying. The letter was initiated on same date as monthly scheduled deduction.

This is unlawful banking practice just like Chase is acting like XXXX.

I want to stop Chase 's XXXX  activity.
Consumer complaint received 2017-07-03
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. (SC)

My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.
Consumer complaint received 2023-03-21
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. (NE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

In XX/XX/XXXX of this year I received a credit monitoring alert that Conn 's Home Plus had reported my account 30 days past due for the month of XX/XX/XXXX. This is incorrect. My account has never been over 30 days past due. I called them immediately and they stated that there was a processing error with their extensions that they granted me. I am in the process of restoring my credit and buying a house. The negative reporting has dropped my score by more than 40 points. I have been a loyal customer with Conn 's. This is unfair and not right. I have been so stressed out about the negative reporting.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I HAVE TRIED TO CORRECT THE REPORTING OF MY CREDIT FILE BY SENDING COPIES OF MY BIRTH CERTIFICATE, DRIVER LICENSE, UTILITY BILL, MY SOCIAL SECURITY CARD, AND MY RIGHT TO HAVE ACCURACY AND TRUTH TO MY NAME ADDRESS IS STILL BEING VIOLATED I HAVE ENCLOSED A LETTER FROM EQUIFAX AS TO WHAT I SHOULD SEND TO HAVE THIS CORRECTED. 
THIS IS MY CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX PLEASE DO NOT LIST ANY OTHER ADDRESS FOR IT IS NOT DELIVERABLE BY USPS. 
NO PHONE NUMBER LISTED
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (TX)

This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX   credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.
Consumer complaint received 2018-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I was informed that I had a credit freeze on my Experian Credit report, I attempted to call & have it lifted & was unable to speak with a Rep. The automatic service gave me an option to add a security freeze on XX/XX/19 in order to speak with a Rep. I placed it on there on this date so that I can speak with a Rep. Upon speaking with a Rep, I was informed that they had an old address from 12 yrs old listed as my address. I explained that I didnt live there & provided updated address. I was then informed that I would have to wait until I received a pin via mail in order to lift the freeze. I told them that this was unacceptable. The Rep told me I would have to mail in documents. I explained that I did not have the time to do that because I need this issue resolved ASAP!! I was then told that they would overnight the pin if I paid {$20.00}. I am not paying to have a pin mailed to me, when I already verified my identity. I want this freeze removed permanently & my correct information updated. The Reps there are very rude & unprofessional. Please help me resolve this issue ASAP!!!
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a checking account from Bank of America and this account was opened XX/XX/XXXX in XXXX XXXX TN. 
During account opening they requested {$100.00} for just account opening. 

I have a new checking account form XXXX XXXX and but they did not take any money for creating account, why Bank Of America took this money form me?
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC ()

This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.
Consumer complaint received 2023-03-21
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My concern is XX/XX/XXXX through XX/XX/XXXX. The transactions for these months do not add up. My XXXX XXXX XXXX statement does not show nor match my Bank of America statement. I have audited my XXXX statement versus my Bank Of America business account statements and see there are clearly additional charges to my bank account that are fraudulently charged. Please review these transactions and help me with rectifying this process. We first discovered these charges in XX/XX/XXXX and immediately requested the debit card used which ends in XXXX be deactivated and have since received a new debit card and have stopped using XXXX XXXX. Additionally, I filed disputes with Bank Of America only to be denied and told to dispute with XXXX directly as Bank of America stated the reason for the denial is I had a window of 48 hours to dispute any and all transactions to be considered. Of course this is frustrating as these transactions are small amounts which totaled a lot over time. Lastly, the representative with your company only listed one transaction in this dispute which looks like it is a valid charge of mine and not a fraudulent charge ie : The XXXX XXXX  statement for XX/XX/XXXX only shows four ( 4 ) correct charges but when compared to my XX/XX/XXXX Bank Of America statement is shows eleven ( 11 ) debits from my account which equals seven fraudulent transactions. Please help me with this matter.
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I have a collection on my credit report for Consumer Adjustment Co for {$490.00}. However, I have not received a written notification of this debt. I've contacted the original creditor that's on the report, XXXX XXXX XXXX XXXX XXXX, and they have not heard of Consumer Adjustment Co. This appears to be fraudulent, and I want this removed from all 3 credit bureaus immediately.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. Equifax shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I paid for credit monitoring services with Equifax to access my report and score. The last time I was able to access my file was on XXXX XXXX, 2017. However, after I started disputing items on my file as fraudulent, I was unable to access my file. I was told that a copy of my drivers license and social security card was needed. I sent my drivers license and social security card in to verify my identity. I also called, spoke and confirmed with a personal solution representative for the product I purchased with Equifax that my driver 's license was received and verified. I have been paying for the service but not able to gain access to my credit file or score. I have been told several times that my file was escalated to another department and that the problem would be fixed in 7-10 business days and everytime I called back it was the same response " It will be escalated check back in 7-10 days ''. As of today X/X/2017, I have cancelled my service because I am unable to access my file and score that I have paid for.
Consumer complaint received 2018-11-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage transferred my mortgage to Wells Fargo XXXX of 2015 the account is showing a XXXX balance but now I have a 2nd entry on my credit report that is reporting currently and up to date on my credit report as a modified conventional loan for 34 months which is exactly the same as the time the loan was transferred on 2015. I am not sure why one mortgage is reporting twice on my credit report I have never missed a payment and the other account has a numerous late payment
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

there is a XXXX account reporting on my credit file, which is a fraudulent account and does not belong to me, i had not inquired or applied to this inaccurate information reporting on my credit file, but when i disputed this inaccuracy was removed and them put bank on my credit file after 6 months, this is not my account, when i disputed experian which is the only one who is reporting this account, they said they will not dispute ever again and i should not be sending them any type of paper work if i have any, no more disputes.

but since this is not my account whether it is positive or negative, why should i have this inaccuracy on my shoulders..

please help me to have this inaccuracy removed from my credit file, i will be attaching my police report, and ftc report. 
thank you
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I HAD A PAYMENT DUE ON MY ACCOUNT WITH ONE MAIN FINANCIAL IN XXXX, MISSISSIPPI. I CALLED TO LET THEM KNOW THAT I HAD NOT RECEIVED MY CHECK IN MY DIRECT DEPOSIT AND THAT I WAS BEING MAILED A PAPER CHECK ON FRIDAY XX/XX/2018. THE COMPANY SAID THEY WOULD NOTE IT AND SEE ME FRIDAY. SO TODAY THEY CALLED ME 3 TIMES WITH IN ONE HOUR 1ST CALL WAS AT XXXX THEN I RECEIVED A TEXT MESSAGE FROM AND EMPLOYEE IN THE COMPANY THAT I KNOW THAT STATED HEY DEAR YOU PAYING TODAY THERE FIXING TO CALL AND BLOW UP YOUR PHONE. I RESPONDED TO SAY THAT I WAS WAITING ON MY CHECK TO GET HERE BUT I WOULD BE THERE BEFORE THE END OF THE DAY AS I HAD SCHEDULED. THEN I RECEIVED ANOTHER CALL FROM THEM AT XXXX. I THEN CALLED THE COMPANY AT XXXX XXXX AND ASKED TO SPEAK TO THE MANAGER. I ASKED HIM WHY I WAS GETTING REPEATED PHONE CALLS FROM HIS COMPANY AFTER I HAD ALREADY TOLD THEM I WOULD BE IN TODAY? HE RESPONDED AND SAID THAT THEY WERE JUST FOLLOWING UP. I SAID YOU FOLLOWING UP 3 TIMES WITH IN AN HOUR AFTER I TOLD YOU THAT I WOULD BE IN ON FRIDAY. HE SAID THAT WE WOULDNT HAVE THIS PROBLEM IF I WOULD JUST MAKE MY PAYMENTS ON TIME. I ASKED WHEN MY PAYMENT WAS DUE HE SAID ON THE XX/XX/XXXX I THEN RESPONDED AND SAID THAT MY ACCOUNT WAS NOT EVEN 30 DAYS PAST DUE AND THAT I HAD ALREADY TOLD THEM I WOULD BE IN FRIDAY XX/XX/XXXX WITH MY PAYMENT. HE SAID THEN WHY DONT YOU JUST PAY ME OFF. I WORK IN THE XXXX XXXX AND WE DO NOT BAGGER AND CALL PEOPLE REPEATEDLY AFTER WE SET THEM FOR THE DAY. WE CALL THEM THE FOLLOWING DAY IF WE MISSED THE DAY THEY ARE SET TO COME IN. THIS MANAGER WAS EXTREMELY RUDE AND DIDNT SEEM TO CARE THAT I WAS UPSET ALL HE WAS WORRIED ABOUT WAS THAT HE DIDNT KNOW WHY I WAS STILL TALKING TO HIM. HE FINALLY HUNG UP ON ME. IF YOU TELL SOMEONE YOU ARE COMING IN AND THAT DAY HAS NOT PASSED AND YOU ARE NO WHERE NEAR THE DAY BEING OVER. WHY ARE YOU CALLING ME AND CALLING ME AND CALLING ME AFTER I HAVE TOLD YOU THAT I WOULD BE THERE. MUCH LESS 3 TIMES WITH IN THE SAME HOUR. THAT IS ABSURD.