davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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  Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 2020-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (CO)

XXXX XXXX has been harassing me stating they overpaid me on a sale of tickets. I have proof that the amount paid was the correct amount that I sold the tickets for. They state they overpaid me by {$110.00} and have now turn this over to a debt collection agency. This is completely a false and bold lie on the part of XXXX and the debt collector trying to get {$110.00} from me. The debt collection agency is Trueaccord and the person who sent me the false email is XXXX XXXX The last photo is the transaction is question. It shows the amount that was paid to me from XXXX of {$76.00} which is the amount i sold the 2 tickets for. XXXX claims they overpaid me by the {$110.00}. This is a 100 % false lie. More proof can be given and shown when requested. XXXX and true accord are are attempting to collect monies not owed to them
Consumer complaint received 2023-03-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

XXXX a representative from the mortgage serciver called me XXXX. We discussed additional documents needed. She said notes were added to my file on XXXX that weren't visible on their portal. The notes were asking for a lease. The renters hadn't been able to make rental payments since XX/XX/2022. I went on to explain I have been making 100 % of all payments since then. I also uploaed and emailed 2 statements from XXXX on XXXX. XXXX clarified the notes to reflect what we discussed and she verified they have everything they need to begin reviewing my loan modification application. XXXX flagged my account with additional notes that every document requested has been received including the mortage statement from the second property uploaded on XXXX.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

On or around XXXX of XX/XX/2019 I started receiving overdraft fees from automatic payments that would not cancel from the company. When I contacted Wells Fargo they refused to refund my over draft fees, they refused to close my account and refused to try and stop any unauthorized charges coming through my account. This went on for several months resulting in over {$1000.00} in overdraft fees and leaving me unable to recover my account. Eventually Wells Fargo closed my account only after they were able to allow many overdraft fees to accumulate in their favor. Now I am unable to login into my account to recover any financial documents for taxes and proof of the fraud they are committing.
Consumer complaint received 2019-04-11
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)

Applied for XXXX XXXX Consumer Credit Card on XX/XX/XXXX. Instead of my application being submitted to XXXX for review, it was submitted in error to XXXX XXXX XXXX without my consent. Attempted to resolve this issue with an Experian representative on XX/XX/XXXX @ XXXX XXXX CST. Was informed by agent that he would not be able to resolve my complain or issue. Was rudely hung up on, while I requested his name and ID number.
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 — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Chase Credit Services fails to recognize that I have liquidated the account. I have made on time payments since the 2014 EVER SINCE THE ACCOUNT WAS LIQUIDATED chase is reporting the account negatively even-though the payments are being made on time. 
Chase failed to correct the credit report and claims that the payment is delinquent for 2 months. 
They are doing this for 2 of my accounts with them. At this point i will sue chase if they don't correct or delete my account. 

Thank you
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} BANK XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
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: EQUIFAX, INC. (CA)

few accounts are reporting inaccurately and fraudulently under my XXXX and XXXX and equifax credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you
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 — Account information incorrect
Company: Navient Solutions, LLC. (IL)

Navient is listing loans not taken out with them, showing incorrect balances. All loans were with Sallie Mae, which split to Navient in 2014 ; however both Sallie Mae and Navient list the same loans, therefore each loan listed twice on credit report, once as Sallie Mae and once as Navient. One loan listed twice which makes loan balances seen twice the balance. All loans on credit report were paid by government insurance and should show no balances at all. Navient updated credit report monthly with balances still showing. Most debt is past the statute of limitations on originating debt. Navient is ruining my credit by showing high balances that do not exist and listing each account twice to seem as twice the debt.
Consumer complaint received 2019-04-11
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. (TX)

Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is being coded as an M5 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Contacted branches investigation departments as well as the Social security XXXX for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.
Consumer complaint received 2019-09-19
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. (AL)

I checked my personal credit report, which I acquired from your Experian on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : 1. XXXX/XXXX XXXX- inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX 3. XXXX  XXXX- inquiry date XX/XX/XXXX 4. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXX,XX/XX/XXXX 6.  XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, 7. XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 8. XXXX XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, 9. XXXX XXXX- inquiry date XX/XX/XXXX 10. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 11. XXXX XXXX inquiry date XX/XX/XXXX 12.  XXXX/XXXX  inquiry date XX/XX/XXXX 13. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 14. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 15. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 16.  XXXX/XXXX/XXXX XXXX  inquiry date XX/XX/XXXX 17.  XXXX XXXX XXXX inquiry date XX/XX/XXXX 18. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 19. XXXX XXXX XXXX inquiry date XX/XX/XXXX 20. XXXX XXXX inquiry date XX/XX/XXXX, 21. XXXX XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 22. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX I contacted ALL creditors listed, 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. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into 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 my 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. 

Thank you for your help and assistance.
Consumer complaint received 2020-02-07
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. (VA)

I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (IL)

One Main Financial has called me repeatedly multiple times a day. 
from XX/XX/XXXX - XX/XX/XXXX they called me XXXX times a day, multiple times a day 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 and these are just the dates that I counted. this goes on almost every day. XXXX sending me emails as well. 
This is harassing me and I want it to STOP! XXXX phone call a day is alittle ridiculous but
Consumer complaint received 2023-08-23
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. (FL)

I notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor
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: EQUIFAX, INC. (MA)

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX/XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/ XXXX/XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX  Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX To Be Closed XX/XX/XXXX
Consumer complaint received 2019-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NY)

I was recently diagnosed with XXXX XXXX XXXX XXXX. I'm XXXX years old and have significant student loan debt. I am unable to work full time during my treatment for the next upcoming year. I learned about a law that passed on XX/XX/2018 which grants a deferment to borrowers receiving XXXX treatment. During this deferment, you do not need to make payments and interest does not accrue. I have made several attempts to contact my loan servicer Great Lakes to request this deferment. Each time I have contacted them I have been told that the US Dept of Education is responsible for creating the forms to grant the deferment. I have now contacted the US Dept of Education multiple times and have been greeted with inconsiderate and unknowledgeable representatives who transfer me continuously without getting anywhere. Today I spent an hour on the phone and finally spoke to a supervisor who informed me she never heard of the XXXX deferment. I made her XXXX  the law so she became aware. She advised that the Dept of Education does not need to draft the forms and that Great Lakes should be able to provide me with the appropriate forms. Great Lakes denies this and referred me back to the Dept of Education. 
I need assistance with getting this deferment immediately and no one at either my loan servicer or the Dept of Education will help me.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

applied for a credit card via XXXX and was declined. Letter showed up and reason for denial was to many cards opened in 2 years. They could also have checked and seen out of the 15 credit cards I have only 2 have a balance. Chase Bank has declined me on more than once and have no valid reasons
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have contacted USAA multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a USAA member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. USAA has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.
Consumer complaint received 2023-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Subject : Complaint Regarding Experian 's Handling of Dispute Investigation Im writing to file a formal complaint against Experian regarding their handling of a recent dispute investigation related to my credit information. The purpose of this complaint is to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in ensuring that Experian conducts a proper and thorough investigation in accordance with the Federal Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute to Experian regarding certain items of information in my credit file. I included supporting documentation such as my bank statement and a copy of my social security card to verify my identity However, I recently received an email response from Experian indicating that the dispute request did not appear to have been sent directly by me or to be authorized by me. This is not accurate, as the dispute was indeed submitted by me directly. 

In light of this, I am concerned that Experian is stalling on investigating my dispute and taking the necessary actions to verify the accuracy of the information in accordance with the FCRA. I firmly believe that my dispute is valid and that Experian should be obligated to investigate it thoroughly and in a timely manner. 

As outlined in the FCRA, if a consumer disputes the completeness or accuracy of any information in their credit file and notifies the credit reporting company directly, the company is mandated to reinvestigate the dispute at no charge to the consumer. I am therefore requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian fulfills its legal obligation to conduct a proper investigation. 

Furthermore, I kindly request that Experian be required to adhere to the guidelines set forth in the FCRA, the Federal Communications Commission ( FCC ), and the Consumer Financial Protection Bureau ( CFPB ) in regards to investigating consumer disputes. If Experian is unable to verify the accuracy of the disputed information as per the FCRA, I request that the company be mandated to delete the accounts in question from my credit report. 

I understand that Experian has provided a phone number ( XXXX ) and a secure website ( www.experian.com/dispute ) for disputing inaccurate information. However, despite following the proper procedures and providing the necessary documentation, I have encountered unnecessary obstacles in having my dispute properly investigated. 

I kindly urge the Consumer Financial Protection Bureau to intervene in this matter, ensure that Experian complies with the FCRA, FCC, and CFPB guidelines, and take appropriate action to resolve this dispute in a fair and accurate manner. 

Thank you for your attention to this matter.
Consumer complaint received 2019-02-09
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. (MO)

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire saysXX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened dateXX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.