davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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: Experian Information Solutions Inc. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX  US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXX XXXX XXXX HXXXX XXXX XXXX  There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On or about XX/XX/2024 i sent Experian a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (FL)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-30
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: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 KAY JEWELERS - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AZ)

I previously filed this complaint under XXXX. The company responded to the complaint saying they've helped me, but that was a lie. CFPB then closed the complaint and told me to open a new one. 

I contacted this company in XXXX to remove my XXXXXXXX XXXX XXXXXXXX, and they have been ignoring me ever since. They have been collecting XXXX XXXXXXXX for the XXXX  since XX/XX/2022. 

After I filed the first complaint, the company finally emailed me, telling me to send them an additional {$570.00} to waive the XXXX charge, which I paid. I am still waiting for them to respond. 

This company 's XXXX office does not have a phone number, and they only send letters via XXXX. The letters arrive XXXX weeks late, and they say I have XXXX days from the date of the letter to remedy. This is an impossible process and designed to continue taking money from me.
Consumer complaint received 2018-03-10
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: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXXXXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (SC)

Wayfair Citi Bank credit card amount {$9500.00} XXXX XXXX XXXX XXXX credit card amounts XXXX XXXX XXXX Credit card amounts {$1200.00} XXXX Credit Card amounts {$1000.00} XXXX  Credit Card amounts XXXX XXXX XXXX XXXX XXXX  amount {$720.00} XXXX XXXX  Credit Card amounts {$1100.00} These accounts were opened in my name without my permission nor knowledge of these accounts. I DID NOT GIVE PERMISSION FOR THESE ACCOUNTS TO BE OPENED.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (CA)

This is for a Perkins student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of 40 points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
Consumer complaint received 2022-06-10
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: KEYCORP (WA)

I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to KEYBANK -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 KEYBANK - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 XXXX  XXXX ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 XXXX  XXXX - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted an investigation for a dispute on my TransUnion and XXXX  credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed TransUnion 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  *These inquiries BELONG on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I send a letter to Transunion sent via certified mail on XX/XX/18. They sent a letter back that I received today, stating there was not sufficient information and that they wanted me to resend the accounts in question in print with the dispute reason ... I did that already in my dispute letter that they received over 30 days ago and included the exact account number they have on each account ... proof is in the attached document field. The numbers I gave for each account is the exact number that I found on my credit report from Transunion. They have recieved every piece of information they want over thirty days ago already in written format. I have requested that these accounts be verified which is my consumer right, and Transunion has failed to honor that request within the 30 day period. Funny, they have the information at the tips of their fingers but cant verify the info!!!!!
Consumer complaint received 2018-04-06
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 got an installment loan, unfortunately, I could not afford the payments and the loan status went into collections. When I could afford to pay it off, I paid off the collections account. 30 days later, I received a paid in full letter. I went to the cash call office and submitted my paid in full letter. They had me email with XXXX XXXX ( Customer Concerns Representative ). She would not email me the information, but over the phone she stated that XXXX XXXX  would not be willing to update my report to say that the loan is now paid, regardless of paid in full letter from XXXX XXXX ( the collection agency they sold the debt to ). So I filed a dispute with Experian, the status of my account went from " delinquent '' to " late 120 days ''. I called Experian and filed a dispute with the status, again. And status went from " late 120 days '' back to " delinquent ''.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

I tried to log on to my USAA account for the first time in a few years. I talked to a security specialist, who unlocked the account, then promptly relocked the account so we can't pay bills. All of our bills a due to come out in the next day or two, none will get paid. USAA says there is nothing that can be done. No one in the company can fix it. 

I'm pleading with the CFPB. I realize you won't get this resolved any quicker, but I hope it helps the next person in this situation. It's not a good place to be in.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date ; XX/XX/XXXX XXXX I recently pulled my credit report for my XXXX XXXX XXXX  and notice a few disturbing items wrong on my credit report I noticed that the names numbers and addresses were incorrect since then I filed the FTC complaint to rectify this problem. These addresses and names are not mine. Iam asking for the CFPB to assist me In this issue I sent XXXX XXXX, and TRANSUNION 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is my only name and my only address
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year>.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (KS)

On Thursday, XX/XX/XXXX, I did an internal transfer of {$4000.00} from my Ally Checking account to my Ally Investment account. The funds were deducted immediately from my checking. As of XXXX on Friday, XX/XX/XXXX, those funds are missing. They are not reflected in my checking or investment account balance. I have been unable to reach anyone by phone, despite remaining on hold for 2 hours. I was able to reach a representative via the Ally Bank chat, and the representative said there was nothing he could do.
Consumer complaint received 2019-03-16
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. (MD)

I applied to XXXX for a Line of Credit for my XXXX XXXX.I was denied credit on the basis of a Credit Report provided by Experian.Review of my Experian and XXXX  Credit report revealed two XXXX XXXX Accounts the First Account with a Balance of {$6400.00}, Limit {$8700.00}, Usage 74 % Status : Current.This is the Account that does not belong to me.The Second Account XXXX XXXX/XXXX and XXXX/XXXX Balance {$7900.00}, Limit {$8700.00}, Usage 91 %, Status : Current Open XX/XX/XXXX is my Account. 
I submitted a Dispute to Experian on February 19,2019.I telephoned XXXX XXXX Customer Service no fewer than 10 times, Each time, I was told that they had researched my account.And it was determined that the second account was the only account that was associated with my Social Security Number.And that only one Account was being reported to Experian.I informed XXXX XXXX   Customer Service multiple times that Experian was listing two accounts with two different numbers on my credit report.XXXX XXXX insisted that they were only reporting the second account.I telephoned Experian regarding the results of the dispute.I was informed by Customer Service that XXXX XXXX verified that " Both '' accounts belonged to me.Experian was contacted XX/XX/XXXX.Last contact with XXXX XXXX  Customer Service XXXX XXXX at approximately XXXX EST.I again stated to Experian and Customer Service that the issue of an Account that does not belong to me, is still being reported as an account that I am responsible for.Both parties have failed to correct erroneous information that has been overwhelming harmful.
Consumer complaint received 2022-05-03
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. (MI)

I sent the company document to verify that they did not verified the credit I credit report due to several freeze and I also sent a certified letter to Experian also.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (OH)

synchrony XXXX  is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
Consumer complaint received 2018-10-11
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. (NC)

" " '' I have disputed these charge off on this XXXX   XXXX And XXXX  XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 at around XXXX to about XXXX I got a text from Chase Bank asking if I had recently made a purchase for the amount of {$620.00} at XXXX. After texting no to the automatic text, I checked my bank account and saw that they did not only make one transactions but they made about 8 transactions that came out to be {$1900.00}. I still had my card with me, I did not lose it. I think someone skimmed my card, and made a duplicate card and was able to get my pin number. I immediately contacted my bank, and that they reassured me that I would be getting my money back after 5 days. A couple of days pass, no updates. I tried calling again, and they told me that they are still investigating and that I should be expecting the refund soon. Sure enough, I did. Now, after about 2 weeks, I thought everything was going well. Last night XX/XX/2018 almost a month later, they reversed the money back without any noticed. I then called them, and they basically told me that since my pin number was used and they got cash back, there is basically nothing they can do, so they closed my case. I am very upset that Chase is not willing to do further investigations so I am contacting you guys for help. I am currently a full time student, so the money lost is very important to me. Please help me get the money back because apparently Chase is not willing to do further investigation.