davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (NJ)

I have spoken with over XXXX representatives over the phone and I have not been able to get the proper information on resolving this issue. This agency pulled up XXXX addresses under my name and ssn that were linked to an eviction and denied me as such. I explained that I was the victim of identify theft over 5 years ago and that none of the addresses that they had were mine. My address has been XXXX XXXX XXXX XXXX NJ XXXX for over 13 years. I was told to send in a letter stating such,. I did that successfully. I was then told to contact XXXX who has the addresses listed on my report, I did that and XXXX agreeed that the info was wrong and deleted it right away. I sent them info of the deletion and was told that it was n't enough. I also sent a copy of a police report about the incident, that was still not sufficient. When I asked to speak to a supervisor twice I was denied and told they may only email supervisors and I would have to call back the next day for a response, The hold time is excessive. I have been on hold for at least XXXX minutes and even XXXX hour in some cases. I need to have these evictions records removed asap as I have to be able to secure an apartment within days. Please help! Thanks
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on XXXX payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the XXXX credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my XXXX credit reporting services, such as Experian, XXXX, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Consumer complaint received 2022-05-17
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. (DC)

Dear, Experian, XXXX, and XXXX. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-10-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (NJ)

Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP
Consumer complaint received 2024-02-15
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these inaccurate accounts and unauthorized inquiries ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I tried to make a purchase from a merchant. I then received an email from the merchant asking for a copy of my government ID. I explained that I was not comfortable with this. The merchant assured me it was no problem that they would refund my money and just have me send money via XXXX through my banking app. I was also hesitant about this but the merchant took the money via XXXX. I later received merchandise in the mail from the merchant and it was not what I paid for. I reached out to the merchant regarding this and the merchant blocked me and went non responsive. It was apparent to me at this time that I was a victim of a scam. I tried for several days to reach the merchant regarding this and never was able to receive a response. I reached out to capital one and explained the situation and that I was a victim of a scam. Capital one allowed me to dispute the charge and said they would contact me for more information. I was never contacted and my claim was denied because the money was set via XXXX. Even though I informed them that I was scammed. I then asked could I dispute the original charge and they allowed me to dispute the original charge and said they would call me for more information. I was never called. My claim was again denied because the merchant was wise enough to refund the debit card transaction and take the money another way. I then went into the branch hoping that I would be able to show them proof I was taken advantage of and submit another dispute. I was told by the Branch Manager- to leave his establishment because there was nothing he could do for me and that I would just have accept my loss. I then filed a claim with the XXXX against the original merchant and also against Capital One. I have not been contacted and it was been over 2 weeks. I received an email from Capital One to beware of scammers taking money via XXXX but when I called in I was told that I could not file a dispute, my money would not be returned, there would be no investigation, and that I could not speak with a supervisor or have the supervisors name. I would like my money returned to me by Capital One, charged back to the Merchant. I was a victim of a fraudulent transaction and nothing is being done to help me.
Consumer complaint received 2022-03-24
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: MoneyLion Inc. (AZ)

My credit report shows an old account with moneylion from 2019 which is a company I have never done business with. I called them multiple times after I noticed it on my report to report it as fraud to them and they kept giving me the run around saying they would look into it and then would just close the case without any resolution. This is an account that I was told was opened online with my information. They arent able to provide any documentation, ID, or signature supplied when this account was opened. This is not my account and needs to be removed off my report immediately.
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (MO)

My vehicle was repossessed on XX/XX/22. I called them to get the balance I needed to pay in order to get the car back they told me I needed to do a quick collect payment or pay at branch. There are no branches near me and no one does quick collect payments near me. I paid XXXX via check free pay on XX/XX/22. I verified with check free pay that my payment was delivered and now it is XX/XX/22 and they still cant find my payment and are refusing to release the vehicle even after I sent in receipts. This is affecting my life in a negative way and this is fraud as they have almost XXXX dollars and are refusing to help me.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

WE ARE IN THE PROCESS OF SELING THE HOUSE. 
WE NEED AT CLOSING THE PAYOFF BALANCE WITH HISTORY AND DISCLOSURES OF ALL DETAILS OF THE FINAL AMOUT DEW. 

SHELLPOINT, THE SERVICER CO., IS REFUSING TO DISCLOSE THE DETAILED INFORMATION ABOUT THE " DFERRED BALLANCE " IN EXCESE OF {$200000.00}.

WE WILL NOT BE ABLE TO CLOSE WITHOUT BEING ABLE TO ACCOUNT FOR THIS " DIFFERED BALLANCE " SHELPOINT CLAIMS IT HAS NO PERMISSION TO DISCLOSE THIS INFORMATION.

OUR ACCOUNTANT WILL NOT BE ABLE TO CLOSE THIS CASE WITHOUT THIS IMPORTANT INFORMATION.

SHELPOINT CLAIMS THIS " DIFFERED BALLANCE " IS THE RESULT OF A LOAN MODIFICATION. 
WE AGREE WITH THIS INFORMATION HOWEVER A DETAILED HISTORY WITH FIGURES AND DATES HAS TO BE DISCLOSED FOR THE PAYOFF TO BE FAIR, ACCURATE AND CORRECT. 

BEST REGARDS, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ACCOUNTS ) XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX, Transunion & 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-22
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: Servis One, Inc., Titusville, PA Branch (MA)

Got divorced in XXXX 2015 and the umass XXXX bill and the mortgage was my ex wifes responsibility according to my divorce paperwork yet it shows up on my credit report as being late. I would like it removed from my credit report as it is aversely affecting my credit score.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2019 I had let my son use my XXXX so he could use my Gas Credit Card that was attached to my XXXX XXXX! Well he accidentally used my Chase debit card in my XXXX XXXX  wallet. So needless to say all night he was filling up small engines with gas ( Generators, Gas Cans, Etc.. ) well in the morning he comes home and I than realized he used the wrong account not every time but enough to overdraft my account by a couple hundred dollars! I immediately called the bank to let them know and aware of what happened, they seemed to understand and I asked if they could help me with the NSF fees as my account was almost negative {$500.00} dollars and my XXXX check is only {$480.00} every 14 days so the guy said Yes we will waive any and all fees that appear on the account from these transactions. So, I was relieved for that up until my check goes in direct deposit and I still had those fees on my account so I called and talked on the phone for 1.3 hours and transferred minimum of ten times and was lied to at the end just to get me off the phone is what I got from it and still no fees taking off. I called again 35 minutes and got told cant do anything I reached maximum fee reversal allotted!?! What!?!? So than called later and than they told me I had to cancel my dispute I had from prior to all this just so the guy can move forward with assisting me and than was told I would get 2 reversed ( So obviously I didnt hit maximum, so theres one lie I caught them in ) and so I said fine whatever I wont eat for two weeks than. Well hang up and it has been 25 in a half hours and that credit of two fees still not applied and called and was told it takes 7 to 10 business days before it will reflect on my account!! Are you serious but before it was instant, Another Lie!! Needless to say Highway Robbery and Bad Business
Consumer complaint received 2017-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have a consolidated student loan that is administered through Navient. I am enrolled in auto pay, yet each month Navient charges me a late fee ( {$57.00} ) that prevents my loans from decreasing.I did, however, discover that my credit union only allows five ACH automatic withdrawals per month. I tried to change my " due date '' to the XXXX or XXXX of each month as opposed to the XXXX ( which it is currently ) .The website, however, is far from user-friendly and would n't allow me to do it. When I contacted customer service they said they could not do it on their end because I had a " pass-due payment. I tried to explain that the past due amount in question and told them I had submitted a payment manually because I could not trust auto pay ( each month they levy a late charge ). The customer service representative still suggested that I pay the past due amount. I again tried to explain that the amount in question was now a " pending payment '' that was in process as opposed to a " past-due '' amount. After a minute or so, she mentioned that she was able to see the " pending '' payment. Unfortunately, this is not the first time this has happened. Every single month it is something. And, my balance does not decrease. As a matter of fact, I owe more now than I did when I began repayment. SERIOUSLY. This time, I was ultimately advised to wait until the " pending '' payment clears then recall customer service to initiate a new " due by '' date. Please have someone contact me because I honestly believe they are purposely trying to make it hard to collect payments.
Consumer complaint received 2022-05-17
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. (DC)

Dear, XXXX, XXXX, and Transunion. I am contacting you guys about my XXXX XXXX XXXX  on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times XX/XX/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.