davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
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: CITIBANK, N.A. (PA)

I would like for Citibank to remove the unauthorized inquiries on my credit report that was reported by XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX I HAVE ATTACHED THE INQUIRIES PLACED ON MY CREDIT REPORT
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WV)

All credit reporting agencies are missing monthly status reporting history from over 48 student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.
Consumer complaint received 2021-05-17
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: Certified Credit Associates, Inc. (GA)

The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : Certified Credit, 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX XXXXXXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** *XXXX Equifax, XXXX XXXX XXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Consumer complaint received 2017-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WY)

I began receiving statements from Chase bank in XXXX, XXXX, regarding a checking account with insufficient funds and a fee for overdraft services. I did not, nor have I ever, had a checking or any other account with Chase Bank. These fraudulent accounts were opened in my former name. I have filed reports with the IRS, Consumer Federal Trade Commission, my local police department, as well as contacted the company numerous times with attempts to clear this fraudulent mess up. I have completed the fraud identify packet sent to me through Chase Bank, by faxing the information XXXX times, as well as certified mailing the packet twice. I have contacted several numbers given on the statements sent by Chase Bank, only to be disconnected several times, and to not have my calls returned ( until XXXX XXXX, XXXX ) by " XXXX '', who is the person in charge of investigating my claim. I have even received a check for {$85.00} for the balance on one of these accounts, which I disposed of after making a copy of it. This week, I received a statement from Chase for Interest earned in the amount of {$220.00} on the accounts I didn't open. They told me this information is being provided to the IRS. I recently found out that I am a victim of the XXXX data breach, and have filed a report regarding the matter. I am looking for closure to this circumstance, and have taken measures to contact all three credit reporting agencies to stop any further fraudulent activity related to my name.
Consumer complaint received 2022-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I wanted to reach out to you regarding Fed Loan Servicing and their interpretation of the new rules under the XXXX XXXX XXXX XXXX program. I have a very specific question. I have XXXX payments that qualify for forgiveness under XXXX, and XXXX payments that qualify for forgiveness under XXXX. I was informed by Fed Loan Servicing that my payments under XXXX and XXXX can not be combined. In other words, if I want to qualify for forgiveness under XXXX, my payments under XXXX will be wasted because they can not be added to my XXXX payments for forgiveness. So, in short, I dont have XXXX total payments that qualify for forgiveness. I have either XXXX XXXX payments or XXXX XXXX payments, depending on which forgiveness program I choose. 

When President Biden expanded the types of payments that can qualify for forgiveness with XXXX, I can not believe that he intended for payments made under XXXX to simply not count anymore. Is there some way to find out whether Fed Loan Servicing is, as consistent with their history, simply making unreasonable rules to prevent public servants for qualifying for loan forgiveness?
Consumer complaint received 2021-05-17
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: ENCORE CAPITAL GROUP INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2022. I ordered a Pre Paid American Express XXXX. I received my card via mail on XX/XX/2022. I called the number given on the back of the card # XXXX. I was able to successfully " activate '' the card, however when I go to login to their website to check my account, their website gives me an " error '' message saying to " try back later '' this has been happening every single day since I activated the card. 

Also, the same thing is happening with their XXXX XXXX phone app. I try and use the " forgot my username '' and or " forgot my password '' functionality and neither works either. I have already submitted a request to my employer ( direct deposit ) previous to me knowing I was going to have these issues. I tried calling the " customer service phone number '' on the back of the card to report the problem however it ONLY gives me the option to " activate '' the card, it does NOT allow me to select an option to speak with an actual representative. 

I also did some further research online to see if anyone else was having this issue. There are multiple complaints regarding multiple issues with the American Express Blue Bird Card on XXXX, XXXX, XXXX. 

Please advise? 

Respectfully,
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  account numbers has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 ( a ) states I have the right to privacy 15 usc 1681 section 604 h section 2 It also states a consumer reporting agencies can not furnish my account without my written instructions.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

I received an email today, XX/XX/2022, from Suntrust now Truist regarding my annual escrow analysis. There was a PDF attached which provided a breakdown of the options ( pay shortage in full, increase payment to cover the shortage ). Fine. 
Nowhere on the PDF did it say WHEN this had to occur by ( keeping in mind that my next monthly payment is due XXXX 1-did i have to do this in a week? ), nor was there a coupon attached as the notice said there was. Very frustrating due to the lack of details. 
I called the company and they indicated there was not going to be any coupon mailed. I could : 1 ) use the PDF to accompany a check and mail the payment in or 2 ) use my monthly mortgage statement ( which was my idea, not theirs ). I can see this is going to a servicing nightmare for them! 
For something so important to most people-the mortgage on their home-this email from Suntrust now Truist was stunning in its lack of detail-no due date for when to pay the shortage nor how to pay it as the referenced coupon is non existent. 
The company rep I spoke with provided all the relevant information. Imagine how much time Suntrust now Truist would save if they actually sent out a complete notice replete with due dates and coupons. I am not happy with their statement and how it was delivered, but I was able to obtain the information I needed.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The account XXXX XXXX XXXX XXXX  XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

THIS IS NOT A NEW COLLECTION ACCOUNT AND WAS REMOVED BY XXXX XXXX WITHIN THE PAST MONTH. IT IS FROM A COMPANY NAMED PARAMOUNT RECOVERY FOR {$900.00} AND CLAIMS TO HAVE BEEN OPENED ON XXXX BELIEVE THIS STEMS FROM AN EMERGENCY ROOM VISIT FROM 7 OR 8 YEARS AGO THAT WAS SUBMITTED TO INSURANCE FOR PAYMENT. I HOPE YOU CAN HELP ME GET THIS REMOVED FROM MY CREDIT HISTORY WHICH HAS SCORES IN THE 760 'S.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/, I was notified by Chase Credit Journey with the a message stating card over limit. I logged into my Chase account and reviewed the message, which includes current balance, account number, and credit limit. I didnt recognize the charges plus I dont have any credit cards with the limit stated. To confirm, I reviewed my account versus my credit card number, which didnt match. I immediately called Chase and reported fraudulent activity. After calling Chase, I called Chase Credit Journey and reported fraudulent activity. I was transferred to XXXX XXXX and fraud department who shared that account was opened and I was selected as an authorized user. I confirmed that I have not shared my social security number nor have I authorized anyone to open credit of any kind. After the call, I changed all my passwords on my financial apps, put a credit freeze and added alerts through XXXX, XXXX, and XXXX.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

HI could I please get your Capital One Bank card fraud written policies and procedures. I called the fraud number listed on your website and could not get the information sent to my address. I prefer to submit my FTC Fraud Affidavit by register return receipt USPS mail. This way I have proof I submitted to your company. Sorry but I have found when resolving issues with Fraud charges over the phone produces no records for the consumer and creates further challengesof proving the charges are being disputed. Thank you
Consumer complaint received 2022-09-28
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-27
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. (GA)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2022-01-27
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. (MN)

I have continuously disputed fraudulent/not mine inquiries on my credit report and Equifax refusing to remove them. They come back as " factual '' without a full investigation or evidence that they belong to me. This dies NOT adhere Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). Below is my Equifax Dispute information. 

Confirmation number : XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (IL)

I just received a copy of my 3 credit report and noticed I have 3 different credit card accounts that I previously deleted with all three credit bureau. I would like these account removed as soon as possible.
Consumer complaint received 2022-01-27
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. (NV)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )
Consumer complaint received 2021-05-17
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. (RI)

hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.