davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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. (NV)

My husband and I were involved in a personal Chapter  XXXX  bankruptcy case in  XXXX . The case continued for several years and was successfully closed on  XXXX   XXXX ,  XXXX .   We sent copies of the final order closing the case to all  XXXX  Credit reporting agencies ..Experian,  XXXX , and  XXXX .     We hired a credit repair service to work with all the agencies and creditors that had incorrect information. Most responded and after working very hard for several years, we saw major improvement in our credit scores from all  XXXX  agencies.      XXXX  has corrected my status to show that the Bankruptcy is closed, Experian and  XXXX  still show me as in an active/open bankruptcy.     I am attaching the order from the US bankruptcy court officially closing the bankruptcy
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2022-03-25
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. (MD)

I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.
Consumer complaint received 2020-09-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (TN)

i sent out a letter of a alleged debt from Ad Astra Recovery Service on XX/XX/2020 for the amount of XXXX that i do not owe. I haven't receive any of the documents that i asked for concerning this item and i attached a copy below of what i am requesting.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (KY)

I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.
Consumer complaint received 2021-08-24
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: Atlanticus Services Corporation (GA)

This company informed me via telephone that if I paid the total remaining amount that the negative reports would be removed because it was a clerical error as to why it was not automatically taken out to begin with. All they did was apologize and not fix the reporting. Dealing with a call center I asked for a research request in regards to the phone call complaining about the fact they weren't collecting my payments as well as the fact that I made a large payment and it was supposed to be deleted completely. Neither of these took place and I've made a minimum a 5 phone calls to get a resolution and I have not received a call yet. It is reporting correctly only because of the fact that their system was not taking my payments nor was I notified of any payments not being received until I reached out to them. The person who notes my account on my credit profile used ALL CAPS when saying my payments were late and attached my ledger of payments to for all lenders to see. This is completely against the Fair Reporting Act especially since they are refusing to pull the call of them being at fault. This is a false narrative of the type of borrower I am and I am completely disgusted as to how I keep being read scripts without any return communication or resolve. Whenever they changed the terms of my contract they did something to my account. They closed it as well before any late payments were made or reported. It's not even reporting consistently throughout the 3 Credit Bureaus.
Consumer complaint received 2021-11-18
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: CITIBANK, N.A. (CA)

I was contacted by someone who claimed to be from Citi Card notifying me that my account was compromised. I provided information regarding my account thinking I was speaking to my credit card company, Citi Card. On XX/XX/21 I saw four fraudulent charges of {$600.00} made to my account by a merchant " XXXX XXXX XXXX. XXXX XXXX  ''. I immediately contacted my Citi Card, told them what happened, and submitted a fraud claim. 30 Days later, I was notified by Citi Card that I would be fully responsible for the fraudulent charges amounting to a total of {$2400.00} and that they would not help me recover any of it.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2021 POSTED NOTARIZED CRIMINAL COMPLAINT REGIONAL XXXXER XXXX XXXX, CRIMINAL USE OF XXXX AND CHASE BANKS, XXXX, XXXX AND XXXX, FOR XXXX USC SECTION XXXX XXXX AGAINST RIGHTS, INFLICTED FINANCIAL XXXX AS PRECURSOR FOR HIS XXXX US CODE XXXX XXXX TO XXXX PROGRAMS XXXX XXXX XXXXXXXX OR XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

Back in my early  XXXX    XXXX   which I am now almost  XXXX , I moved to   XXXX   for a business opportunity. After three months I got promoted and had to move to   XXXX  . In conclusion it has been over 5 years and there is a credit reporting agency even though I paid it off, it still shows a dregotory item on my credit report just as bad as a bankruptcy. There are a few credit cards and all things that were not my fault from a roommate that signed a lease without me knowing and 2 years later I received a bill and paid for it. My credit report has been ruined for 5 years. I even have a mortgage in my name a car lease in my name. But the problem is I always have to have a co-signed and I always pay outrageous fees because my credit is always poor from 5 years ago. I paid all these debts off. Most of them I did n't know went into collections until I moved back to  XXXX . I need help.
Consumer complaint received 2022-03-25
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. (MD)

I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.
Consumer complaint received 2021-11-18
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: Social Finance, Inc. (CO)

On XX/XX/2021, I received an inquiry from XXXX that I had a new inquiry on my report and subsequently later a new account was added to my report. 

The inquiry and account was from " XXXX XXXX XXXX XXXX' which I had never heard of at the time. 

So I called them and explained everything and agreed this seemed like some type of identity theft, and that they would remove the account. 

At this point it seems that they have indeed removed the account, however I'm still seeing " XXXX CXXXX XXXX XXXX as a hard inquiry on my XXXX credit file.
Consumer complaint received 2021-11-18
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. (TX)

I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of XXXX  to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase account was not accessible. XXXX XXXX. I was told over the phone by Coinbase call center person in XXXX to reopen a new account and my funds will be deposited into my new account within XXXX. On XXXX XXXX I received {$0.00}. I had to lock my new account several times to speak with a live person. I then filed a complaint and was told they respond within a few days. I received an email on XXXX XXXX that my account was hacked and they will not be able to germ my funds back. If my account was hacked why did they not tell me this on XXXX XXXX that I dont have any funds or I was withdrawing funds from my account. I did not give anyone my personal information. I have all my bank statements deposit to coinbase and also the copy of the deposit that came fro. Coinbase for {$0.00} amount dated XX/XX/2021. They want me to file a police report and give me the IP address thats in XXXX CA. I never been to XXXX CA or was anywhere to XXXX CA on XXXX XXXX. My phone was working fine on XX/XX/XXXX so I dont understand how my phone was hacked and how they have my ID and took a selfie of my face to reset the password with XXXX factor authentication does not make since. I have lost a lot of money. I also contacted XXXX and they told me file with CFPB because I dont think I am only going through this situation I believe we more people. I checked on XXXX and there are more people having similar situations,
Consumer complaint received 2021-11-18
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)

SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Consumer complaint received 2022-03-25
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX there was a credit inquiry made on my report by American Express XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I continue to experience issues with this bank 's mobile and online payment feature function. On XX/XX/2021 ( two days after my payment was due ), I contacted the bank 's Customer Service and Technical Support divisions to determine the source of the errors and make sure my account was current and in good standing. I have had the account for nearly ten ( 10 ) years. I was told the late fees and interest would be waived. Today XX/XX/2021, I noticed that the late fee was waived but the interest of {$14.00} was not. I spoke with three representatives. XXXX, ID number XXXX was rude and told me to close my account if I was not happy with the interest fees but they would not be waived as there was no notation of recurring technical issues with the payment function ( s ) on my account nor was there any indication that late or interest fees would be waived on XX/XX/2021.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (MS)

Selene letter acknowledged my mortgage assistance application XXXX and stated it was complete. It also said I was entitled to foreclosure protection since they received my application. My house is suppose to foreclose on XXXX XXXX XXXX They have not canceled the foreclosure. I have requested it be cancel several times. I read on Consumer protection website the foreclosure sale is to be cancel while my mortgage assistance request is being processed.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NY)

I sent a letter to Amer Assist on XX/XX/2021 about a debt they owe. It has been more than 60 days with no response to this debt they owe. I cant wait forever for there response or payment.
Consumer complaint received 2019-08-05
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: AMERICAN HONDA FINANCE CORP (NY)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
Consumer complaint received 2021-11-18
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. (NY)

I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I started receiving multiple debt collections in the mail from credit card companies that I didn't applied for and now my credit is going down hill from it. I start receiving letters this month from it. I called the companies and they are not taking action for it.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

i noticed on XXXX of XXXX a late payment on my credit report, when I contact Nissan Motor Corporation customer service that I never got a bill or statement the representative confirmed with me that their it was a mistake in the system and the bills was sent to a wrong address - XXXX XXXX XXXX when in fact my address is XXXX XXXX XXXX and the representative fixed the mistake, since then my payments were all in time. The time of my call to Nissan Motor Corporation was on XXXX XXXX, XXXX. 
please check your notes on your system and you will see the record of my call conversation, I confirmed the above again on XX/XX/XXXX of XXXX with representative # XXXX and she also saw the notes on the system. She advised me I should send in all this information to their credit department to investigate the issue and remove the late payment from XX/XX/XXXX since the bill was sent to wrong address. i send a letter to XXXX credit department on XXXX XXXX XXXX and XXXX didn't respond to my letter.
Consumer complaint received 2021-11-18
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. (NY)

I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.
Consumer complaint received 2021-11-18
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. (MD)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

XXXX XXXX has been violating me for the past decade. I have never done business with them but they continue to report negative information to the credit agencies which is ruining my reputation and defamation of character. The correspondence is false and misleading and there are also a number of violations including harassment by mail and phone. I requested they cease and desist all collection activities but this company continues to breach my right to privacy and disregard federal laws that I am protected by as a consumer.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (AL)

I am about to have a hard time paying my mortgage payments. I am XXXX so I had where I was XXXX XXXX for people. but since our country is in this mess with the pandemic people are just spending money for this right now. I have a loan modification on my house but they gave me a interest rate of 5.125 %. I have told the mortgage that I have lost some income. I have ask them if they could adjust my loan and lower my interest since the interest rate today is so low. They just say no. They gave me no reason or willing to answer my questions about it just said no. But the mortgage company sent out letters saying they are willing to help people with their mortgage since we are in this pandemic. I have tried to talk to someone beside just a representative thinking maybe that they have more to do with the loans. But I just get a answer machine I leave a message about my loan no one calls me back. I know I will not be able to make my payments I have used all the money that I had. My XXXX check is not enough to pay the payment. That is all the income I have. I have things posted to sell if they sell I will have some money. I am willing to sell anything that I have to keep my home. My husband passed away with a XXXX XXXX. 
So I only have my income. I just need someone to help me. I have no family. It is just me and I don't know what to do. If you can help in any way I would be grateful. Thank You.
Consumer complaint received 2018-07-06
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. (IN)

Experian responded to my original complaint of fraudulent account opened in my name today XX/XX/2018. In there response they stated that they have removed and blocked all the fraudulent accounts on my report. However, this is not true Experian is still reporting several items on my credit file that are fraudulent. I have included them below. 


Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX