davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

OnXX/XX/19 I refreshed my credit monitoring accounts and discovered again that an unauthorized inquiry was on my Trans Union Credit Report. I submitted to Trans Union on XX/XX/2019 andXX/XX/2019that this inquiry was not authorized and they have still not removed it. Additionally, there are MORE invalid/fraudulent addresses on my Trans Union credit report that keep being added when Trans Union removes the fraudulent addresses. Please remove the fraudulent addresses and unauthorized inquiry as this is the THIRD request for this. I have even written in to dispute this unauthorized inquiry XX/XX/2019 and Trans Union failed to remove the inquiry.
Consumer complaint received 2018-06-17
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. (AK)

My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. My husband, XXXX XXXX, and I have a joined account of Chase ending in XXXX. Unauthorized personnel ( s ) withdrew money from my checking account ending in XXXX. 
On XXXX XXXX, {XXXX} and {XXXX} were withdrawn without my authorization. 
On XXXX XXXX, {XXXX XXXX and XXXX were withdrawn for three times without my authorization. 
I left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX. XXXX, XXXX. 
My husband left the United States on XXXX XXXX, XXXX, for XXXX, and returned on XXXX XXXX, XXXX. When he returned to the United States, he realized those unauthorized withdrawals, and immediately contacted with bank clerk working in Chase. That chase bank is on XXXX XXXX XXXX, XXXX, NY, XXXX. 
The bank clerk, ID XXXX, who receipts me told me on XXXX XXXX, someone else used checks with signing my name to withdraw {XXXX} first, and then {XXXX}. That bank clerk showed me the check on a computer screen, but I recognized that it is not my signatures. 
Besides, I was told on XXXX XXXX, someone withdrew {XXXX for three times from ATM. These withdrawals were also unauthorized by me. 
The bank clerk reported the case immediately after my husband complained these unauthorized withdrawals. 
However, on XXXX XXXX, a letter was sent to my home stating that the bank denied my request for investigating and reimbursing my account. 
It is clear that my account was withdrawn for multiple by unauthorized personnel ( S ) for multiple times. My ID are not lost or stolen. I completely believe it is the responsibility of the chase bank to ensure the security of my account. I dont understand how others withdrew from my account with using bank check but I have no bank check with me at all, and how others using a fake signature on a fake check to withdraw from my account. 
The bank is not cooperating with my request and acts negatively on my proper requests. I hope CFPB could involve to figure out how I can get my stolen money back. It is the responsibility of the bank to protect my account but since they dont help me, I have no other choice. 
Please contact me if necessary. Thank you!
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a Kohl 's Charge card in XXXX. Like most Americans, I sit down every two weeks and pay the bills. It's pretty simple, I open the statement, and send the payment. This Kohl 's account was no different. That is until XX/XX/XXXX. Kohl 's failed to send me a statement this month, and as such, I didn't make a payment. I never received any notice or correspondence that a payment was due, or that I was late..this is my wife 's card, so I just assumed there was no balance that month. 

Kohl 's waited 60 days to give me a " courtesy call '' and tell me that my payment was now 60 days late. I was floored. I paid immediately, but the company has refused to correct my credit history. This is a practice that less scrupulous card issuers use to justify raising the interest rates of cardholders that pay on time. It's a crooked business practice, and consumers should be aware not to open a Kohl 's Charge account.
Consumer complaint received 2023-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

XXXX bought my daughter 's student loan from XXXX XXXX, quadrupling her payments, now {$830.00} a month for what started as a {$49000.00} loan. She was able to make her payments on her own before the change. XXXX and a vast rip-off!!! I am in the process of trying to refinance the loan, for which I am the Co-signer. If zero stars were an option!
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-04-03
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)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I had   XXXX    Capital One a ccounts that were included in m y 2013    Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  Capital One cla ims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Consumer complaint received 2023-06-13
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: Bread Financial Holdings, Inc. (NJ)

I filed claims against XXXX and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 XXXX CFPB Claim # XXXX XXXX CFPB Claim # XXXX
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -
Consumer complaint received 2021-02-15
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. (TX)

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR SEE LETTER ATTACHED
Consumer complaint received 2019-04-11
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. (NJ)

XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since 2015   states that I am a victim of identity theft.
Consumer complaint received 2020-09-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WESTERN MASS CREDIT CORP. (MA)

Recieved numerous calls claiming I still owed a private school money after filing chapterXXXX. Company refused to acknowledge the debt was included in my discharge claiming it was a *student loan* I was paying my tuition out of pocket with NO LOANS and what federal loan I did take was already PAID OFF. I have contested this with XXXX  using THEIR OWN RECORDS of dates of discharge. They refuse to remove the negative statement from my credit report, instead aiding with creditor. I have the discharge and it states clearly the schools monies owed XXXX XXXX ] was included in discharge. I contacted the school, they dismissed me BACK to the collection agency!
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I pulled my credit report today and noticed over XXXX hard inquires I didn't do or authorize. Please investigate each hard inquiry and delete the fraudulent inquires.
Consumer complaint received 2022-04-03
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. (NY)

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$10000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 2022-04-03
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. (OR)

I am complaining about my inability to get in touch with anyone at Experian. Neither their automated system nor their website specifically addresses my issue, and when I talk to a person, I get transferred instantly to the automatic system. 

I had frozen my credit accounts because of various data breaches ( OPM, XXXX ), and needed to unfreeze them because I had applied for a new credit card. Not knowing how long it would take to process the credit card application, I made the stop date XX/XX/XXXX5. Once my credit freeze was unfrozen, the new credit card was issued. Not wanting to leave my credit records open until XX/XX/XXXX, I tried to contact Experian to refreeze my account but could not reach anyone. I ended up putting a " lock '' on my credit for $ XXXX to prevent any credit searches. 

I want to refreeze my account on XX/XX/XXXX, and cancel my credit lock on that date, but am unable to reach a person to accomplish this. XXXX was able to take care of the issue with one phone call. Can you help?
Consumer complaint received 2022-04-03
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. (IL)

In XX/XX/XXXX my credit score was XXXX. My score dropped XXXX points because it contained inaccurate information. I submitted documentation to TransUnion on XX/XX/XXXX and my credit score started to increase again. On XX/XX/XXXX I had a score of XXXX and on XX/XX/XXXX my score plummeted XXXX points. I ordered my credit report on-line on XX/XX/XXXX and discovered that it showed my student loan was affecting my score. It stated that the balance was too high and not decreasing. On XX/XX/XXXX I called TransUnion to discuss the matter and I was told that I had to contact the servicer of my student loan to have them correct their reporting information. I told them that my student loan was in deferment and that's why the balance is not decreasing. A few days later I checked my credit report again because now my score dropped an additional XXXX  point. This time I see three accounts that are adversely affecting my credit report but this time my student loan was not one of them. The three accounts that are listed has no information as to how they are affecting my credit just that they are adversely affecting my credit. The same three accounts has been previously disputed with TransUnion and removed. I also contacted the creditors and I was assured that the information would be corrected with the reporting agencies. TransUnion also has erroneous information about my employment and my home address. They corrected the information about my address but not my employment. At this point I feel that XXXX is digging up old information in an effort to keep my credit worthiness low. I have worked very hard to achieve my credit status and I find myself fighting with the credit bureau at least twice a year to defend my credit. I have demanded that TransUnion correct my credit file and stop digging up old information so they can justify decreasing my credit score. I am an XXXX XXXX XXXX and I feel that I am being targeted and scored unfairly.
Consumer complaint received 2022-10-27
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: Adler Wallach & Associates, Inc. (CA)

I am truly a victim here. 

AWA collection Avanta recovery service XXXX credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

Chase, for the last 4 months, continues to conveniently " Lose '' payments and not apply my payments on time. My online payment company said they do not know WHY they are doing this as they have called them multiple times to correct the dates. I am accruing incorrect interest on an incorrect balance and now they are hitting me with late fees. 

The bill paying company I use, XXXX, called them stating they are sending payment within 10 days of payment due date, as they have been for the last 19 years. Why are they now losing payments and charging this customer ( me ) late fees and not adjusting her balance accordingly, as well as her interest? 

I have paid them, as of XX/XX/XXXX, {$3500.00} and they have NOT adjusted my balance due ( see attached image ) ... but they have added a late fee to my account for a payment they should have posted XX/XX/XXXX ( my grace period date ). The payments date they show are NOT THE CORRECT PAYMENT RECEIVED DATES. They are making my payments LATE. Should be NO reason it takes them 2-3 weeks to BOOK my payments!! I paid {$570.00} on XXXX ( sent out 2 weeks before by XXXX XXXX XXXX ), I paid {$500.00} on XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ), I paid {$2500.00} on XX/XX/XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ). XXXX has ALWAYS sent payments 2 weeks before and for 19 years, these reflected on the DUE DATE. NOW, they aren't and I'm getting hit with late fees and incorrect interest applied. 

This is insane!! I need assistance to get this corrected.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.