davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-07
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: National Credit Adjusters, LLC (TX)

XXXX XXXX keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR XXXX SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXXXXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Consumer complaint received 2023-03-17
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. (OH)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2020-06-07
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. (NY)

Two charges ( {$370.00} deposit & {$1400.00} balance ) were placed on my Chase Visa credit card account for a vacation rental through XXXX  on XX/XX/XXXX and XXXX, 2020 for a rental period of XXXX XXXX 2020. The vacation property was advertised as clean and safe. In XX/XX/2020, given the unprecedented circumstances regarding the COVID-19 pandemic, the US CDC issued recommendations for the cleaning and sanitation of hotels/motels/vacation rentals. These standards were deemed the minimal necessary for public safety. Failure to follow such standards was considered unsafe. As such, it is reasonable to expect that these standards were met for the vacation property to be clean and safe as advertised. The merchant was contacted in XX/XX/2020 to obtain confirmation as to the cleaning standards used to confirm that the property, including common areas included in the paid service, were clean and safe. Several attempts to receive such documentation were ignored by the merchant. As such, the service was reasonably considered defective and not-as-described. Multiple attempts to resolve the issue with the merchant were fruitless. 

A dispute was opened with the credit card issuer, Chase, on XX/XX/2020. The dispute was denied in a letter received XX/XX/2020, AFTER the XX/XX/2020 rental period had expired, and as such NO services had been rendered. Additionally, the chargeback dispute resolution letter from Chase ignored the " not-as-described '' reason for the dispute and claimed a cancellation policy which was never in question. 

The claim was re-disputed, now on the grounds that no services were rendered, and, as such, falls under the category of a billing error. Additionally, the merchant continued to decline either a full credit or refund. The second dispute was also denied by Chase in a letter dated XX/XX/2020. 

We are now asserting Claims and Defenses, seeking independent binding arbitration as well as a formal complaint investigated through the CFPB.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Multiple Daily NSF Fees assessed overdrawing my account by nearly {$1300.00}. I reached out to Chase branch XXXX XXXX XXXX XXXX by email for assistance in correcting the rash of overdraft fees which are greater than 30 at this writing. He has not responded nor have any corrections been made to assist with this issue.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.
Consumer complaint received 2023-03-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE CARRIED OUT MANAGEMENTS WITH THE CREDIT AGENCIES FOR ACCOUNTS THAT ARE NOT MINE AND I AM WORRIED THAT THEY STILL HAVE CREDIT AND I HAVE NOT RECEIVED LETTERS, I request the removal of these accounts that are affecting me and are not mine : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXXXXXX XXXXXXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2019-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I was previously with XXXX XXXX XXXX and they accepted biweekly payments. I made a payment in the amount of {$900.00} on XX/XX/XXXX for the first half of XXXX payment. My loan was then transferred to loancare on XX/XX/XXXX. During this process my payment of {$900.00} was applied to principal instead of the payment ( wouldnt be a big deal if I had {$900.00} extra dollars ). I paid the remaining {$880.00} for XXXX, paid {$1700.00} in XXXX and {$1700.00} in XXXX. I have called or emailed Loan care over 15 times in the last two months and spent hours to try to resolve this and have the payment corrected- XX/XX/XXXX, XX/XX/XXXX, also sent email correspondence, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX called and emailed, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & sent email correspondence and mail on XX/XX/XXXX. I have spoken to several managers whom dont call back or do what they say and staff that are incompetent and also dont do what they say. I have done three way calling with both companies and they are now charging me late fees.
Consumer complaint received 2019-01-15
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. (OH)

I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-09-22
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: EQUIFAX, INC. (FL)

i have submitted multiple request to delete unverified hard credit inquiries on my equifax and XXXX XXXX credit files these credit reporting agencies do not comply and equifax has sent me letters stating that they can not find my credit file. equifax request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX american )
Consumer complaint received 2019-09-22
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: BBVA FINANCIAL CORPORATION (TX)

XXXX  have me as XXXX XXXX  XXXX the XXXX  enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it
Consumer complaint received 2019-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (ME)

My husband lost his job and i contacted Ally Financial to possibly extend late payments to the end of the loan. I was told i did not qualify. I received a Notice of Default and right to cure loan letter i made one monthly payment as well as the late fees totaling {$700.00} on XX/XX/XXXX. I was still 2 months behind coming up on 3. I have since made arrangements with other creditors who were more than willing to work with me including entering a modification with my mortgage. I am struggling due to a temporary financial hardship and the only creditor that is not willing to work with me is Ally Financial? I obtained the loan back in XX/XX/XXXX and i am looking to keep the vehicle and i am trying to avoid filing bankruptcy. My husband has since gotten a new job and we are making an effort to get caught up, However we are unable to come up with 3 payments. Past due balance as of this complaint is {$2000.00}.
Consumer complaint received 2019-09-22
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. (TX)

equifax have me as XXXX XXXX  XXXX the fifth enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it
Consumer complaint received 2019-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (DC)

As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. 

Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. 

At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my  payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible.

My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.
Consumer complaint received 2023-03-17
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. (MS)

Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Consumer complaint received 2022-03-30
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. (MS)

Inaccurate information reporting inaccurate information reporting Past Due items Inaccurate information that is in violation of my rights inaccurate information showing a recent balance inaccurate date of last activity
Consumer complaint received 2019-09-22
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. (IL)

TransUnion continues to report fradugelent accounts. I have sent all requested documents to have these items removed yet they are still on my report. Please delete the following account XXXX XXXX with the balance of {$530.00}, XXXX XXXX XXXX  the one that has been closed that is not mine, XXXX XXXX with the balance of {$310.00}. Please delete these accounts & the inquires for XXXX XXXX & XXXX XXXX they are not mine.
Consumer complaint received 2020-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I filed a dispute with Equifax requesting proof of documents showing that these Items that their reporting on my credit file belong to me. I am a victim of fraud and identify theft so it id my right according to FCRA 601 That states that the Credit reporting agency must provide me with such documents. Equifax failed to provide me with anything that's contractual linking these accounts to me. But instead they lacked a investigation and failed to inform me of how they verified these accounts were mine but instead they sent me a copy of my credit report with no information but still showing the ( 2 ) disputed items. Usually a credit reporting agency would make such statement as " We've verified this account as accurate. Or it will say that they removed the account or updated it. I didn't receive anything from this agency stating either or. This agency has hung the phone up on me I've been called and ignorant XXXX man by this agency in the mist of what XXXX people are going through in this Country. I've made several complaints regarding this agency and no one seems to want to get involved including this agency CFPB now the next step is for me to file a claim against this agency for discrimination and for violating the FCRA. These are the two items that remains on my report without explanation or proof that these Items belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : {$65000.00} {$65000.00} XX/XX/2020 {$1000.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX XXXX XX/XX/2020 {$85.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus.

I appreciate your prompt communication thank you so much
Consumer complaint received 2018-10-29
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. (CA)

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2023-01-27
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. (NE)

Transunion- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (CA)

Optum Bank continually denies eligible purchases for the HSA. They will continue to send emails asking for receipts even though they have been submitted several times. Customer service is useless and tells you to email the receipts which does not work either. Then after months of this run around they suspend your card. This company is scamming consumers.