davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX XXXX  through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on Experian. My home loan was never in the bankruptcy.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2022 I applied for a credit card with Bank Of America. On XXXX XXXX, I received a letter from Bank of America stating I needed to contact the credit bureau agency XXXX to ensure the information contained in my consumer statement was accurate The information that needed corrected was for my phone number to be added to the fraud alert. 
I reached out to XXXX for the request to add my contact number to the fraud alert. I was told by XXXX that my contact number was added I called back Bank Of American and I was told they would need to pull my credit to check. After it was pulled I was told my contact number was not added fraud alert and needed to called back XXXX. I called back XXXX and they told be I had to speak to the dispute department to add of which I did. After I was told it was added I called back Bank of America to informed them my contact number was added. I was told my credit will need to be pulled again. After it was pulled I was told my application was denied due to recent inquiries on my credit report. This is discriminative and I am very unhappy with the reason for the denial since 3 of the inquires was for the Bank of America credit card application
Consumer complaint received 2019-07-11
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 submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX XXXX OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX  # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

I've been trying to get a mortgage loan. The company I used says they used XXXX to pull all 3 reports. I was tod that that Experian report was locked because I was XXXX military. It also showed my date of birth as XXXX, my date of birth is XX/XX/XXXX. It had many other mistake as wll. Every time I found a new issue it would start the clock over on their system to update. I made at 10 calls to correct issues. Finally on XX/XX/XXXX I was told everything was corrected. I checked today and still can not access my score, and information is incoreect. I don't want to call them again because they will start a new dispute and the clock stars over again. I've never been in the military. I called Experian and was told that these issues were corrected and it would take about 30 to 45 days to reflect my report. I don't know what else to do. Interest rates are going up. PLEASE HELP. 
The other 2 bureaus are showing updated accounts.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (FL)

in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

1

5 usc 1681 section 602 states i have a right to privacy. 15 usc1681 also states a consumer reporting agency can not furnish a account without my written instruction. 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, have 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 an account without my written instructions.
Consumer complaint received 2022-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2022-08-26
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. (GA)

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, Experian, XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr 192 one can not demand any certain form of currency that would like to receive if it is dollar for dollar. 

Company : XXXX XXXX XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I did not open this account with Bank of America. How do I get it off my credit report? 

Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX/XXXX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$75.00} Balance updated XXXX/XXXX/2022 Recent payment $ 0 Monthly payment {$35.00} Credit limit {$14000.00} Highest balance {$75.00} Terms NA I did not make any authorization for this type of credit.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

I called XXXX and they said they have not authorized Equifax or anyone to call and ask for personal information or offer services on their behalf. I believe this to be a scam. The phone number is XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 any purpose.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VT)

I ordered an item from XXXX that turned out to be defective. I Tried to dispute the charge first with XXXX, then with PayPal. Talked with both companies and was sent back and forth multiple times, but finally was told that I had to contact Paypal to dispute a charge. PayPal immediately marked the case as closed and its help information told me I can appeal their decision, but they did not have a functioning dispute/appeal process in place and they only give XXXX  days to appeal. The resolution page has not been working correctly, so I can not appeal and they have no way to contact them available.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

XXXX by XXXX XXXX listed Transunion as a credit report source, however when speaking to a rep, she told me XXXX by XXXX XXXX does not use human, they use an AI Algorithm. The rep then said they use XXXX XXXX. However this was not disclosed XXXX Fair Credit Reporting Act After speaking to Transunion, they verified no such credit freeze exists. I think I was denied illegally.
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lien Receivables LLC (CA)

Complaint is to unfair collection actions by the above named company. On XX/XX/XXXX, my husband received a call after XXXX XXXX from XXXX about a balance owed from our son. The collector gave private, personal information about our sons debt. My husband relayed on XX/XX/XXXX that our son did not live with us and to stop calling us. 

Today, XX/XX/XXXX, I received a call from XXXX with the same company in regards to my sons debt. He did not correctly identify himself. He told me about an accident my son was in, a debt he owed, and a balance owed. I explained my son did not live here and to please stop harassing us. He told me he was allowed to call me repeatedly. I discontinued the call. 

XXXX immediately called from the same number to my husbands work and proceeded to laugh into my husbands voicemail without identifying himself or the company. He just menacingly laughed into the phone and its the same phone number that XXXX called from. We find him leaving voicemail recordings of him laughing to be threatening, harassing and menacing. 

This company most certainly is harassing myself and my husband. Please advise.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (NC)

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX  Account # XXXX 10. Account Name : XXXX XXXX  Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX
Consumer complaint received 2022-08-26
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. (NC)

This is NOT a duplicate report and is not filed by a 3rd party. 

In accordance with the Fair Credit Reporting act XXXX these accounts below 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. 1. Account Name : XXXXXXXX XXXX  XXXX Account # XXXX 2. Account Name : XXXX XXXX  XXXX Account # XXXX 3. Account Name : XXXX Account XXXX XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX Account # XXXX 12. Account Name : XXXX Account # XXXX 13. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 15. Account Name : XXXX XXXX Account # XXXX 16. Account Name : XXXXXXXX XXXX  Account # XXXX
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AZ)

On XX/XX//22 around XXXX, I attempted to deposit cash {$2600.00}, into my Fidelity account using an ATM at a PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The ATM accepted the cash, gave a screen display acknowledging the breakout of the dollar bills and asked for my acceptance of the transaction. I accepted. The machine then sent a message that the transaction was being cancelled and that I would receive the cash back. The return of cash was {$1600.00} and no receipt was provided. Early morning XX/XX//22 I called PNC customer service and was advised that my call required the aid of a XXXX and to call back on XX/XX//22. I called early morning XX/XX//22 and was advised by 2 different representatives that since the card was not a PNC card, that they would not be able to assist me and that I would need to file a dispute with Fidelity. I filed the dispute with Fidelity, work item XXXX. On XXXX/XXXX/22 I was advised that they would not be able to help me, as they showed no transaction on my debit card. I did also return to PNC on XX/XX//22 and spoke with a XXXX XXXX who contacted the ATM company who advised that I would need to file a complaint with Fidelity. Please help!!
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

A couple years back I attempted to deal with the Fed Loans for the PSLF- I was never able to " gain back '' the XXXX payments that I thought had qualified, but apparently had not. It was especially frustrating as I made financial decisions based on the information the loan companies gave me at that time. 

In XX/XX/XXXX, I had thought I had made XXXX payments, and had documentation. See attachments. My current situation- online, it looks as though I have XXXX payments completed towards PLFP ( XX/XX/XXXX ). I have documentation stating I had made XXXX payments in XX/XX/XXXX from Fedloan ( see attached ). 

I did make a phone call- and was told I made XXXX qualifying total payments and they had last years form, but not one from XX/XX/XXXX, and they had no ducumention of the XXXX payments. 

I am preparing to send a form in now. I am not contacting Fed load through their email on their site, other than to request a case number and contact through my work email, as it does not keep a record I can access- which they keep suggesting. This is important, as when I first transferred my load to them, they agreed to the higher number of payments from XXXX, was enrolled in the correct program, AND that I was on track to complete by XX/XX/XXXX. 

Overall, I have record of XXXX payments by XXXX, made in good faith in the PLSF program. Fedloan says I currently have XXXX. The current system is biased to keep loan holders in the cycle of payments, places loan holders automatically into payment plans that do not qualify and does not highlight this- example, standard payments do not qualify but directions for PLSF indicate standard is one of the options ( you need to call and ask for 10 year standard, not an option on the website and not indicating that is does not count ). 

My former complaint was dismissed, and fed loan suggested I contact XXXX. I contacted XXXX, and their statement was that when Fedload accepted the loan, they accepted the payments made through PLSF, and have no further records of my loan.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

I am writing to file a formal complaint against JPMorgan Chase, regarding an erroneous {$5800.00} charge-off that has been added to my credit report. Despite my repeated attempts to rectify this issue, JPMorgan Chase has failed to provide any evidence substantiating the legitimacy of this debt. I have sent three letters to the company requesting proof of ownership and clarification, yet I have received no response other than a document requiring me to demonstrate that the debt is not mine. This unresponsive behavior has led me to seek assistance in resolving this matter through the appropriate channels. 

As a consumer who prioritizes maintaining an accurate credit history, I am deeply concerned about the potential implications of this false debt on my financial well-being. The actions of JPMorgan Chase in neglecting to address my legitimate concerns have not only caused undue stress but have also violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached copies of the three letters I previously sent to JPMorgan Chase, along with proof of delivery, to demonstrate my earnest efforts in resolving this matter directly with the company. I kindly request that these documents be included as part of my complaint for your thorough review and assessment. 

I hope that your intervention will encourage JPMorgan Chase to acknowledge their error, rectify the situation promptly, and take necessary steps to prevent similar incidents in the future. I eagerly anticipate your response and the resolution of this unfortunate situation. 

Thank you for your attention to this matter.