davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Remove the account XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, JPMCB CARD  XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent documents to all 3 credit bureaus equifax and transunion fixed it experian just displays the same information that i have a collection and its late i sent the same information over and over for over a year and it was not fixed i sued the apartment company and won it was to be deleted off my credit report but experian is reporting it and making it difficult to find housing for my family the amount is XXXX and im a hurricane irma victim the apartment flooded and got mold and deemed unhabitable by fema i later received a collection i faught in court and won the XXXX cashed the check and never removed it off my credit i disputed with transunion i feel as though they didnt read my letter perhaps looked over the proof the check
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (HI)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX   XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX was discharged in Chapter XXXX. XXXX bought this loan and is now reporting on my credit report. Experian and XXXX have corrected this with your help and now I need to have experian do the same
Consumer complaint received 2023-03-31
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I refinanced my student loans through another company. Navient overpaid my the balance on some loans and underpaid others. When my monthly bill was due they took the normal autopay amount of {$1100.00} out of my account even though the outstanding balance on my loans was ~ {$300.00} ( and the net was even less ). They told me they would refund the balance within 72hrs. That was over a week ago and instead of satisfying the loans in full, each loan has a negative balance. Now Navient is sending me monthly billing reminders as if they are going to charge me again.
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it  this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Farm Bureau Finance Company (ID)

I received a letter from Idaho Farm Bureau Financial Services addressed to me with my parents mailing address saying that my application for a loan was denied to purchase something from an XXXX XXXX XXXX  dealer. On the letter it says theyve pulled my credit report and looked at my financials. I have not tried to get a loan and do not use this dealer. The dealer is XXXX hours from my home and I never use Farm Burea Financial.
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX & XXXX XXXX XXXX Experian say that the creditor has verified to your bureau that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I would like you to send me a copy of my payments with this creditor asap to verify what you say is indeed correct
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : 11 XXXX ) XXXX
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Thrift Investment Corp. (NJ)

Two years ago I wrote a letter into the company asking for a good will to remove an account a car loan that was previously paid off. The company has not replied to my letter and this is having an adverse impact on my credit score
Consumer complaint received 2020-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.
Consumer complaint received 2022-11-11
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: E-Backgroundchecks.com, Inc. (CA)

Company refuses to give me my report and information inside such there response is they want me to ID myself I did attached as well informed them of my new address XXXX XXXX XXXX XXXX XXXX  CA XXXX again attached verifying myself
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Collection : XXXX XXXX XXXX, XXXX, Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX  XXXX XXXX XXXXXXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you Equifax are the only credit company that is again adding this XXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what Equifax has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. XXXX XXXX is not in Texas! Its a violation and this must be deleted! 

XXXX XXXXXXXX must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you Equifax to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both Equifax and XXXX XXXX will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello I'm XXXX I Had To Do Write This All Over As I Had find Some Images Or Example Of The Trauma Dealing Wit Bank of America 1.For me constantly seeing money leave My Account 2. Strangely The Transactions Goes Missing 3. When You Get On the Phone With there Representatives And Hear How They Just Don't Seem To See The Transaction date That You Tryin To Dispute 4.One Time > Cashed Out & Withdraw from. A XXXX XXXX XXXX XXXXnto My Bank of America Account And it Want Missing Bank of America Tried To XXXX XXXX XXXX XXXX  But XXXX XXXX XXXX  Sent Me Proof of Transaction Number that It Was Sent to My Bank Account Dealing With This Bank Is Very Stressful I want from {$5.00} Matience Fee To {$12.00} With No Transparency As To Wit Is Goin On.
Consumer complaint received 2023-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (MT)

This loan is predatory. If you make nothing but the minimum payments you will never pay it off. Ive been paying since 2021 and I am at 0 %! Ive been trying but thats not ok!!
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IL)

I pay all my Bill 's electronically, I set up bill pay for Barclay 's on XX/XX/XXXX payment was cashed on XXXX I have confirmation number. I called Barclay 's after receiving a bill w late payment fee. I explained the above they said they would research. 2 months later another bill with more late fees. Called again paid the remainder of my bill off over the phone. Had a 3 way call w my bank, XXXX stated the payment was sent and cashed by Barclay 's they said ok we have to research. Again 2 months later another bill w late fees. This time I called and faxed confirmation proof, they had to research. 2 months later another bill w late fees. At this point I don't know what to do its {$50.00} but I refuse to repay this money. This is the worst company I have ever dealt with. I have no more proof to give but it's obvious they received the payment.
Consumer complaint received 2023-07-15
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: CITIBANK, N.A. (CA)

I opened a credit card account with Citi a few weeks ago. I recently attempted to make a large purchase, which was declined without explanation and my card was immediately locked. Citi representatives on the phone refused to unlock the card, claiming they could not verify my identity without sending a letter. I received the letter and called again to unlock the card. Despite being told that it was done, my card continued to be declined. I called Citi again and was told that they could not verify my identity to proceed since it was a " new call. '' ( I had disposed of the letter, having been told that the matter was settled. ) Being unsatisfied with the service, I asked to be transferred to cancellation. The cancellation department then refused to even talk with me since I could not be verified.