davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WI)

on XXXX/XXXX/2017 we made our payments on time my husbands payment processed and mine did not even though we made the payment on time the payment for my account did not process and was assessed a XXXX dollar late fee and tried talking to them explaining that we made the payment on XXXX /2017 and it did not process I truly believe there system was having issues that the payment did not process
Consumer complaint received 2017-07-06
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. (TX)

Since XXXX I have been requesting the removal of a fraudulent address from my credit report and any accounts associated with the fraudulent address. With my most recent dispute, XX/XX/XXXX, I included a copy of my drivers license, ss card, letter from bank, utility bill and police report. Today I received letter from Experian dated XX/XX/XXXX, stating that they needed additional information which according to the letter, I included all of the requested information with my dispute. XX/XX/XXXX I contacted Experian via phone and spoke with XXXX from the fraud department and he informed me that they would not remove the fraudulent address because it is associated with an open account which i have also been disputing to no avail. They have also placed a statement on my credit report saying that I requested they put a fraud alert on my account which I did not. I am requesting the removal of the fraudulent address and any accounts associated with it. I am attaching the letter I sent to Experian as well as the police report and letter from bank. I will not attached my drivers license, ss card or utility bill.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

Dear Discover Bank, XXXX XXXX charged me a yearly membership fee of {$270.00}, despite canceling the membership before the trial period ended. I filed this at the dispute center and was given a conditional reversal of payment, with no explanation given. XXXX canceled the XXXX membership ( you can see on my account that it's advertising me to reactivate it ). There is not a valid reason that I should be charged for this. XXXX has confirmed to me that this was a mistake. I've been a loyal customer for over a decade, but I will have to stop using this card if there is no assurance that I will not be held accountable for unauthorized purchases such as this. 

Best regards, XXXX XXXX
Consumer complaint received 2022-12-03
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 (FL)

Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and causing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me and ensure that they are indeed accurate.
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have mad loan payments to Navient fr 12 years. They were putting at least half of each payment all of these years to interest so balance after 12 years went from XXXX to XXXX. 
I paid back the original amount plus roughly XXXX in interest. 
Just doesnt seem right! 
I just refinanced into a direct loan
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery has reaged a very old account and continuously reports its to my credit report which I did not give consent to do so. They continue to contact me at work, when I answer I inform them Im at work and they continue to call.
Consumer complaint received 2022-12-03
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. (IL)

i reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violate my rights. 


15 U.S.C 1681 section 602A. 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 an account without written instructions.

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-02
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. (GA)

TransUnion keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XXXX and twice in XXXX of XXXX and again on XX/XX/XXXX XXXX XXXX has erroneously reported this account as being recently charged off which reflects in a score decrease each time.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.
Consumer complaint received 2020-11-11
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)

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX
Consumer complaint received 2022-09-26
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-03
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: Credence Resource Management, LLC (AL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-11
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. (CA)

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-11-02
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: TekCollect Inc. (TX)

Tek Collect XXXX. XXXX XXXX XXXX Oh XXXX Is reporting a {$240.00} account on all 3 credit reports XXXX XXXX XXXX XXXX I have never had an account with this company violation of the FDCPA
Consumer complaint received 2022-07-07
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. (AZ)

I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

B of A is still trying to open a fraud generated credit card account in my name. They have tried this for several months and I thought it was over with your help. But this week I received another email saying they have received a credit card application in my name.and i have told them I did apply for a credit card. Please help.
Consumer complaint received 2022-09-26
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. (TX)

Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my XXXX XXXX XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXX XXXX  XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.
Consumer complaint received 2022-03-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

My reverse mortgage was recently bought. PHH is the new company. Apparently, the Loan # which is at the top of the most paper communication I receive is incorrect as well as the last 4 digits of my social security number.

For the above reasons, I can not get connected with PPH.

I was able to email them with this problem a week ago and have received notice they had received my complaint, however, I have not received anything back.

Tried calling but after being placed on hold for 15 minutes, ai was disconnected. I tried yet again with the same results.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (LA)

I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my XXXX month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.
Consumer complaint received 2017-06-02
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. (SC)

I have been speaking to Equifax for 2 weeks trying to get information out of my credit file that I did not apply for and it has a different social security number than mine. I have gotten 4 different reports all containing different information within the last week. Report   XXXX   even have the social security number that 's not mine but it pulled under my social security number. On  XX/XX/XXXX  report   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX    and  XX/XX/XXXX    XXXX   all different information. I sent in a copy of driver 's license and social security card but   XXXX   manager in consumers affairs department stated that the variation of the social security number and old inaccurate addresses will remain on my file. I need this resolved immediately.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

I've opened 3 disputes with my bank PCN, one of them was approved without any issues ( case XXXX XXXX ) but the other 2 claims XXXX and XXXX were denied without any reason. All 3 transactions are from the same merchant and same issue. 
The seller never sent the items. I sent to the bank all the requested information, sales receipt, my signature.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NJ)

My chime card was used fraudulently for withdrawals after my first dispute chime denied it and we are now on my second dispute. I have bills due they do not care about.
Consumer complaint received 2019-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am making this statement as a Notary Public ( CA # XXXX ) for and by the State of California : On XX/XX/2019 my family 's XXXX XXXX XXXX was illegally repossessed from our front driveway without prior notice, either in written or verbal format, from Toyota Financial Services ( TFS ). To wit, TFS has admitted that they withheld said communications under the guise that my family was somehow on a, '' Do Not Call '' list ( false ). In any case, we have redeemed that said repossession and gotten the XXXX XXXX XXXX returned to us on XX/XX/2019. However, TFS still wants {$280.00} in " Late Charges '' by XX/XX/2019 in addition to the regular monthly payment. It is my assertion that TFS is simply trying to reconcile their accountancy system of my car 's record by getting the payment current in all costs and fees.
Consumer complaint received 2019-11-03
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)

I spoke with XXXX ( said she was a manger ), XXXX ( Manager ) and all three have told me they would remove the 30 day late several times but did not. I then called back and spoke to a manager named XXXX after being on hold for over an hour. They are saying when I made my payment though my mobile app it did not go through and they realize it was in fact a mistake they made but still refused to removed the 30 day late after they submitted my information to there credit department. 

At this point I do not trust anything they tell me as when you speak to them it's as if they will tell you what you want to hear then nothing changes. I have been on time with them since I opened my account with them which was XX/XX/2018 and my score has gotten much better and not that I am getting close to fixing my credit this happens. 

They refuse to remove the 30 day late and I feel they are doing this on purpose to tarnish my credit in order for me not to close them and get an opportunity to get a better rate switch to a better credit company. 

I am XXXX years old and I am a male XXXX and I feel that they are discriminating against me and preventing me from improving my credit in order for me to eventually purchase a home.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.