davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (RI)

XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to XXXX, Equifax, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and Equifax on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to TransUnion, XXXX, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to TransUnion and XXXX on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!
Consumer complaint received 2023-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (DE)

Mr. cooper, as the servicer of my mortgage, disabled my automatic payment. I was only made aware through a collection call after the payment went unpaid for 10 days. I promptly made the payment and reestablished the auto payment. There was no notification my auto pay had been disabled.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Company reporting fraud account to my credit bureau as accurate when it is an identity theft account. Company started my social security number different than the one they have or pulled for the card. This has been nice by Equifax several time and. This company verfies this account belongs to me but refuse to give any information or produce a 1099 for this fraudulent charge off. Company verifies that my social security number is different than the one they have.
Consumer complaint received 2023-06-16
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. (MO)

I disputed an identity theft on one of my accounts and after the investigation was over with no changes to the item i was disputing about they lowered my SCORE XXXX Points!!! Plus they keep the item on my 3 credit reports with no changes.
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank Of America has committed fraud against me in regards to my vehicle. The regulatory complaints department reaches out via email, yet every time I contact them I can never speak to the person who is supposedly dealing with this issue. This is the second point of contact to reach out from that department but I never get this matter rectified. I have sent out several affidavits and other correspondence to Bank of America via certified mail, secured email provided by them, phone calls and this issue has yet to be handled. I asked for documents regarding the vehicle loan. Under TILA Regulations they are to provide a consumer with documentary evidence of being the obligate party to collect on the alleged bet of the loan. Once I figured out the were committing fraud and challenged the in accordance with the regulatory laws they discharged the loan as I was requesting and which regulatory law requires them to do if they could not provide the documents in which I requested. Now Im having a issue with them providing the title to my vehicle. I followed every regulatory guide line and Bank Of America refused to provide the documents. They stated they were above these laws and that they considered the laws to have no merit. I have spoken to several employees who have claimed to be high level employees in the company yet they can never be reached again when I submit my complaints to them. I will just move forward with a federal lawsuit and take this matter to court. I have given Bank Of America more than enough time to rectify this matter and the have refused to do so.
Consumer complaint received 2022-03-17
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: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX i received a transation update on my TD bank credit card of multiple online purchase at XXXX totaling {$370.00}. I did not make these purchases and the dredit card company has not resolved this fraud claim. 
Please interview
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I placed an online order and the merchant provided the wrong item, I tried contacting them but they are not responsive. I field a dispute with my bank but my Bank is now failing to resolve the dispute
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (AL)

Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!
Consumer complaint received 2022-03-17
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: Chime Financial Inc (PA)

On XX/XX/2021 I received a deposit of XXXX from the irs treasury and I wasnt Aware of receiving it. At that time I was in a relationship and he had took my phone when I was sleep. Chime will not investigate the cameras to see who was taking the money off. I was cheated. Now if I wouldve just keep my deposits with XXXX Im sure this would have not happened. I want my money back and I want a proper investigation of cameras to prove my point. And if Im wrong Im wrong.
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-05-06
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. (AR)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I have had an account show up on my credit report from Enhanced Recovery Compan, in the amount of {$1300.00} from Original Creditor XXXX XXXX I have never had an account with XXXX and this debt is not mine. The following is all the information found on my credit report. This same account has shown up on my credit report from another creditor call XXXXXXXX not sure when it was switched to ERC, but I have tried disputing through XXXX XXXX, but it is still on my report. 

Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Opened : XXXX XXXX XXXX ( 4 mos ) Account status : Open Type : Collection Account Responsibility : Individual Remarks : Placed for collection Original Creditor Name : XXXX XXXX XXXX Closed : No Info
Consumer complaint received 2022-03-17
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. (AL)

Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!
Consumer complaint received 2022-03-17
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: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to FCRA 605B, it seems imperative for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? The presence of inaccuracies among the listed accounts is causing me discomfort.
Consumer complaint received 2022-03-17
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. (LA)

I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: FinCo Services Inc DBA Current (TN)

My taxes were filed XX/XX/2022 and XXXX XXXX and XXXX XXXX repeatedly stole the money from my account each time the irs deposited to XXXX XXXX  I received denial letters my taxes were deposited again on XX/XX/2022 and they stole them again. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all helped each other as they have been getting loaners payday advances in my name These people began stalking me and my family installing listening devices and tracking devices these people have been terrorizing me and my family for months and has stolen my entire life I have been notifying current bank and current kept allowing these people to steal my funds. These people are relatives of mine and I just pray to get some help and closure
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, I submitted a refinance application with Chase Home Mortgage. 
The refinance closed in XX/XX/XXXX. 

My first application request was closed. My second application request, Chase offered a higher interest rate than the first application. My third application request was processed after 16 monthly recertification of all my financial documents. This long process prevented me from maximizing the use of my credit in order to avoid having my application declined or rejected. 

As a long-standing loyal Chase client XXXX my application should have been streamlined for expedited processing. 
This 16 month process resulted in unnecessary excessive payments of a higher interest rate,
Consumer complaint received 2022-03-17
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 (HI)

Capital one charges a late fee the day before its do, saying some XXXX about eastern standard time I live in XXXX  Complete fraud. 

The ceo was just found guilty by the XXXX  XX/XX/2021 Insider trading fraud!!!!!! 

My payment is do on the XXXX The late fee was charged on the XXXX th By right it would be charged on the XXXX th Technically that is late.
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (OH)

Im demanding the removal of the collection which Spring Oaks Capital has placed on my credit. My debt is not with them. I dont owe the {XXXX} reflected on my credit. Im in no type of contract with this company. This is impacting my credit and I demand that it is removed at once.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (FL)

I, XXXX XXXX, a natural person, just received a notification theres a new account reporting on Consumer Credit Reports today dated on XX/XX/22. 

However, Dear Convergent Outsourcing, how did you get my private information which is my social security number? How did you get it without my consent? And why are you reporting on my credit report without my permission?
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It show on my report it should be remove because it incorrect it show be deleted on my credit report Im am exercise my right to the fair credit act section 609 the request info regarding first premier bank. If you unable to verify the account with the original contact the information should be removed from my credit in 30 days.
Consumer complaint received 2023-06-16
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. (MD)

The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, Experian and XXXX!
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

An account from XXXX XXXX was closed and charged off with a {$0.00} balance, it was then bought by Jefferson Capital Systems LLC with a {$720.00} balance. I had no knowledge of this account and my ex-girlfriend was using this account until XX/XX/2018. We were not together in 2018. I'd appreciate if this account can be deleted off all 3 bureaus out of goodwill because it is the only collection holding my otherwise good credit on track.