davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (AR)

I replied to a job hiring for a XXXX XXXX XXXX XXXX on XXXX. I text the person and he lived about two hours from me. So I said sorry j wasnt j terested Shortly after, he called me at XX/XX/XXXX and advised me to log on to Experian and her my credit report. Having done some research previously, I know that obtaining your credit report is free one time a year. He had now called me twice the following day on Sunday and really is pressing to obtain my name and pushing to encourage me to complete the experion.com form. After which I assume he intends to ask for my password to " analyze '' my score. He has called from two numbers so far. XXXX and XXXX and the only name I know him by is XXXX.
Consumer complaint received 2019-10-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

My estranged soon to be exwife filed a bankruptcy that i was not a part of and she used our home that has both our names on the loan an deed without my knowledge or permission. I was never notified of this action by anyone. I found out after i was XXXX. But now Chase is reporting on my credit report that this account is closed even though i am still responsible for the balance and the mortgage payment and i make it every month but i do not get credit for doing so on my credit report. This is a large portion of my credit. On my report they are saying this account was closed on XX/XX/2017 and it may be on her. But it is not cloed on me. I have called them on 5 different occasions just to get told they can do nothing about it. She filed bankruptcy not me but i am being punished and yet if i don't make my payments i lose my home because this account is not closed for me. It is open and i am paying it. I had to catch up back payments to keep from forecloser yet i get not credit for any of my payments it has me in such a way that. After my semi trucked burned my credit score wont even let me get a loan to teplace it. It is about to ruin me because of this misreporting on my credit. It is about to ruin me.
Consumer complaint received 2022-04-28
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. (GA)

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED ( past the 6year statue of limitations for reporting student loans ) I have 6 of these accounts reporting to Transunion alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Two of the six accounts are big balance transfers ONLY being reported to Transunion .All six account status are ( Collections /Charge off ) and they are showing a balance due.

Also I have 2 new accounts that are not reporting to Transunion with is negatively affecting my credit score. ( XXXX XXXX XXXX XXXX and XXXX XXXX ). 

Inquiry Removal - XXXX XXXX  XXXX never applied for this account
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently discovered inaccurate and unverifiable Bankruptcy on my credit report with TRANSUNION. I spoke with XXXX XXXX Transunion supervisor, XX/XX/2021 and he told me that court was reporting it and I told him I have the court document show they are not reporting it. I did not consent to, authorize nor benefit from any of the following account attached is the identity theft report. I have asked for an investigation report and never received it. The law says this that it should be removed in four days and it's been over four days as you can see on the REPORT, I sent it on XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 USC 1692 ( A ) ( 1 ). 15 USC 1681 ( 3 ) ( E ) ( e ) the term ''investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2023-02-10
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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2018-02-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC (VA)

Between the years of XX/XX/XXXXand XX/XX/XXXX I was going to two different XXXX colleges at the time I was going it was XXXX college, my understanding the school I was going to shut down due it was a nation wide shut down. Recently I have called the department of education who informed me I needed to called my loan officer which is action Financial Services which I did and they informed me that my taxes wouldnt get taken because my information wasnt sent to collections, she was u able to pull my account up by my social, and she also reiterated that being that I dont have an account with the collection agency that my taxes wouldnt be taken. I also never received a letter 65 days prior to stating that they would take my tax refund as it states that it should do. On this past Friday I called to find out my taxes were taken the full amount when I called my loan officer she informed that the website updates daily so just cause I dont have an account one day dont mean I wont have one the next. Im not understanding how that exactly works and how is a person supposed to know that they taxes will get taken without calling everyday. I was told I have to fill out I formation like a hardship form and a few other forms. I was given wrong information or not the full information and due to the school closing down and I never graduated from them I am asking for a full refund of my tax return.
Consumer complaint received 2023-03-23
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. (OH)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX and XXXX, XXXX, two fraud charges were made on my Bank of America credit card. Both charges occurred at XXXX in XXXX, FL in the amounts of {$99.00} and {$100.00} respectively. I live and work in XXXX, FL, on the opposite coast from XXXX. I work as a XXXX XXXX and have proof that on those days I was training. I was never in my life in XXXX, FL. I disputed those charges with BoA immediately. The bank declined my fraud claim noting that my card was used - not possible because the card was in my wallet at all times and no one but myself ever used it nor had the permission to use it. I still have that card, never lost it, and canceled it right after those charges. I requested BoA to reopen my case, received a form to fill out and mail back. My claim was declined again. Again I requested BoA to reopen the case. On XX/XX/XXXX, I called to inquire on the status of my claim and was told the case was still open and was advised to file a police report and fax it to the bank to further support my case. That's what I did. Approx. two weeks later received a letter from BoA - claim declined, bank conveniently stating that I did not make those charges and confirming that someone else did who had my permission ... Despite my written statements that nobody ever had that permission. I've reached a point where I have no idea what else I can do to get my money back. I've spent countless of hours with BoA on calls about this claim, my credit score taking a hit every month since XXXX because of this unpaid balance, more money lost on faxing and mailing requested info ... and still nothing. Today, XX/XX/XXXX, I've been advised by the police department to submit my complaint here on your website. Any help I would sincerely appreciate.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MT)

XXXX - they put a hold on my card because they felt it had a suspicious activity, I have been trying to get in and pay the card off and close the account, they won't give me access to the account online to pay - will charge me {$9.00} to use their services over the phone. Won't just let me pay it off and close it, unless I give them very personal financial information over the phone, my kids names, birthdates, soc sec number, my car make and model ... it doesn't make any sense. I did not report the card stolen, or report any suspicious activity, I have NOT denied any charges. They will not allow me to just pay online and close the account. Most ridiculous experience ever. I do not feel comfortable giving all this information to someone over the phone just so I can pay my bill.
Consumer complaint received 2023-03-23
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. (NM)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After my credit card was used fraudulently, I initiated a fraud alert with XXXX on XX/XX/2018. 

Yesterday, I received a mailed card from TransUnion that the alert was added to my TransUnion credit report. I called the phone number on the card ( see attachment ) to  get a copy of my credit report. However, the voicemail prompts were for getting the annual free report, not the report entitled by the fraud alert. 

I called the CFPB. A representative gave me another number to try ( noted on the attachment ). I encountered the same voicemail prompts. 

There is no way to talk to a human to resolve such issues at any of the credit reporting companies. They should be forced by law and regulation to do this.
Consumer complaint received 2021-04-17
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 — Their investigation did not fix an error on your report
Company: Key 2 Recovery, Inc. (IN)

Previously I filed COMPLAINT ID XXXX in XX/XX/2021. The company responded that after contacting their client, the closed the account in their office. I have tried to get XXXX to remove this collection item from my credit report since it is not owed to their office but they refuse. I disputed with the cresit Bureaus and XXXX still has this listed as an active collection.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

unauthorized hard inquiries on transunion. I have sent XXXX rounds of dispute letters of these unauthorized inquiries. XXXX and XX/XX/XXXX. 
The following inquiries are not authorized. 
XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX. 
Transunion has not deleted these inquiries.
Consumer complaint received 2021-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc. (WV)

I am having difficulty with this company 's customer service. Each time I call the message states the hours of operation from XXXX XXXX Central tine ; however the following msg states they ate closed. This has happened for 3 conscutive days. My concern is with a bank being closed during the business hours they claim to be open? I would like to close my account
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have is inaccurate.
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a car loan XX/XX/XXXX, with XXXX XXXX XXXX. The car is a XXXX XXXX XXXX model that came with the factory warranty on the used vehicle. The original term of the loan was approved with a co. applicant, XX/XX/XXXX, and the interest was 16.25 %. I was told to sign my documents on XX/XX/XXXX and the Co. applicant could come back. I informed XXXX XXXX XXXX the co. applicant was just released from the hospital and could not come in right away. The co. applicant is an elderly woman who came back to sign her portion of the forms XX/XX/XXXX days after I signed my approved documentation on XX/XX/XXXX. Once the co. applicant signed her documents the terms changed without my consent and knowledge. XXXX XXXX and Capital One has altered the original approved documents and has made the interest rate and payments so high to afford. This is against the law and needs to be corrected. The finance officers at XXXX XXXX XXXX should not have forged or altered any documents without making me aware. I feel I was Scammed and made a target, because I am XXXX American, along with taking advantage of my elderly mother-in-law. I tried refinancing the vehicle on XX/XX/XXXX that's when I was made aware of the terms and added services the finance officers changed without my knowledge.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (TN)

Dear Sirs/Madam, XX/XX/XXXX I am contacting you because of a bill from a hospital in KY that I was not at and did not sign papers stating that I would be the reasonable party for the bill. 
I received a bill from XXXX XXXX XXXX XXXX in XXXX, KY in XXXX of XXXX. Upon investigating what this was for I found that my daughter went to this hospital while I was in XXXX, TN. I did not take her to this hospital and I have never set foot in this hospital. I contacted the hospital on the XXXX of XXXX and explained to them that I was not there and that I was not reasonable for her health cost because she was over 18 and I never signed anything for her. I spoke with a XXXX at XXXX XXXX that day and was told that they would address it. I called again on XX/XX/XXXX and spoke with an XXXX at XXXX at XXXX and they stated they would contact me regarding this bill. I never heard from them. I called again on XX/XX/XXXX at XXXX and spoke with a young man at XXXX and was told I could not speak with the supervisor. On XX/XX/XXXX I spoke with a XXXX at XXXX was supposed to get a letter from them saying it was withdrew from XXXX or XXXX. I never received that letter and had thought it was taken care of. XX/XX/XXXX I received a letter form the GLA Collection Company in regards to this bill. I contacted them in XX/XX/XXXX XXXX and spoke with a XXXX, and I submitted a letter to them and it was submitted for removal from my credit report. I called again on XX/XX/XXXX and spoke with a XXXX and did receive a letter dated XX/XX/XXXX stating that the account was placed on my credit report in error and was to be removed. After checking my credit report it was not on my credit. I thought it was resolved. 

On XX/XX/XXXX I received another collection notice from XXXX XXXX XXXX in reference to the same bill. Again calling on XX/XX/XXXX at XXXX pm XXXX and speaking with a XXXX and stating I was not reasonable for the fact she was over 18, I did not take her to that hospital and did not sign anything. I was not reasonable. I also sought out the advice of an attorney and was told to tell them they were in violation of the fair debt collection act. I gave them the attorneys name and phone number and ended the conversation, I did not hear from them again. 
In XXXX of XXXX or so I got another notice from XXXX XXXX XXXX in regards to the same bill. I contacted my attorney and was instructed to just ignore it. So I did. 
On XX/XX/XXXX I have received yet another notice and I was contacted that there was a change on my credit report by this company for the amount of {$2400.00} and was put there by the XXXX XXXX XXXX. 

I have heard that these things can be sold over and over and over. But when does it become harassment? I have had to deal with this for the past six years and was supposed to have been resolved five years ago. 

Please what can I do?
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.