davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TX)

I received several letters from XXXX XX/XX/XXXX, XXXX, XXXX XXXX, and XXXX making credit inquiries where my credit score was very low from Equifax in order to purchase a car. Within the last year I have not had an inquiry, but had a subscription with Equifax for several years to monitor my credit and the credit score was a fair one for XXXX and a fair one for the year XXXX. However, their reporting score to the above businesses was a poor one. I have a copy of my score from last year and this year from Equifax own website and I am sending a letter to the U.S. Attorney General to investigate. I want to know from the U.S. Attorney General how could several credit inquiries bring your score down to 78 points for the month of XX/XX/XXXX because that is when the inquiries were done and I have a fair credit score according to their own website. It appears someone in that agency manipulated the numbers.
Consumer complaint received 2023-03-11
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. (OH)

Authorize inquiries Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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. (AZ)

Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.
Consumer complaint received 2019-09-15
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. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department/Re : Investigation I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETEXX/XX/XXXX XXXX XXXX XXXX Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 
" DELETE XX/XX/XXXXXXXX '' Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs  TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors.  They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX System because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 
I've included the official letter with the disputed items listed on them.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

I was shocked when reviewing my credit report and found late payments on the dates below : XX/XX/XXXX-XX/XX/2018 I showed payments made in those months and requested statements proving that. I have not gotten any responses from Honda.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

My credit report shows a Capitol One credit card with me as an authorized user. At not point did I open, or add myself to this credit account. The balance is {$8800.00}, with a credit limit of {$15000.00}. The card was opened XX/XX/XXXX. The last payment was made in XX/XX/XXXX. The next payment is {$120.00}. The first 6 numbers of the card are, XXXX. I need to be removed from this card as an authorized user, as it is not a true reflection of my debt, and is negatively effecting my credit availability.
Consumer complaint received 2018-08-14
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

There is a HARD inquiry on my credit from XX/XX/2023 from XXXX that I KEEP trying to dispute. The credit company equifax is making this incredibly difficult to deal with. When I dispute there is NO OPTION TO ADD MY DOCUMENTATION. Then it says after submitting to send documentation to them but never provides ANY instruction on HOW!!!! How is this helpful for a consumer??? Not to mention I had to dispute the account that was fraudulently opened as a result of this inquiry. They had no issue removing the account, but the inquiry? Nope all of a sudden they have no clue what I am talking about. This is so predatory and against the consumer!!!! This was NOT AUTHORIZED. I HAVE A LETTER FROM THE COMPANY STATING THEY COULDNT CONFIRM I CONSENTED TO OPEN THE ACCOUNT OR CONFIRM IT was mine!! REMOVE THE INQUIRY IMMEDIATELY!!
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

In XX/XX/XXXX/XX/XX/2018, I was notified that my loan was transferred from XXXX XXXX XXXX  to Fay Servicing. I was told all conditions, payments etc would remain the same. After paying 3 months at my regular payment amount of {$1700.00} during the transition period, the new provider suddenly goes up {$120.00}, now requiring a new monthly payment of {$1800.00}. 

This was NEVER discussed or disclosed during the loan acquisition process. When I called Fay to discuss, they said my escrow account was all of sudden " short ''. They then said it was outlined in an escrow analysis which I NEVER received. When I asked to please have it sent to me, I again NEVER received it. I tried again to call for additional information and the agents were no helpful AT ALL. 

Now to maintain my excellent payment history and credit, I am FORCE to pay an additional {$120.00} per month, that was not disclosed or explained properly. I feel whatever escrow shortage there may be should be worked with the previous lender that bought the loan from which was XXXX XXXX XXXX. They simply sent me a new bill with a new amount.
Consumer complaint received 2020-02-05
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 believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX  XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX XXXX  XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Consumer complaint received 2018-12-31
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. (NY)

I am contacting your company because XXXX XXXX and Experian Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  OpenedXX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and Experian about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Consumer complaint received 2018-12-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am contacting your company because XXXX XXXX and XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Portfolio Recovery Opened XX/XX/2015 + {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

On XX/XX/XXXX I received a billing statement for my mortgage ( #  XXXX ) for payment due on XX/XX/XXXX. Statebridge Company, the service ( r ) of my loan, has fraudulently assessed me for forced placed insurance even though I have provided them with proof of coverage ( insurance ) on more than one occasion. Each billing statement I continue to receive, listing charges for unnecessary forced insurance, will be considered a separate count of fraud.

Statebridge Company has reported my account as being delinquent, to the credit bureaus, causing my credit score to drop 49 points. This is causing me to suffer financial harm.
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (GA)

I don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.
Consumer complaint received 2017-12-22
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. (IL)

Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal FCRA
Consumer complaint received 2023-03-11
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. (FL)

This is another CFPB complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These accounts are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Under the provisions of the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following items off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. If you truly believe that the disputed accounts and information you report on my Credit File is accurate, prove it by sending me copies of documents bearing my signature. Without any of these documents, I expect you to please remove the disputed items as soon as possible.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

I piad off my balance in full on XX/XX/XXXX statement and i see a charge for interest fee that I don't understand. They give a reason of revolving balance for last month but make no sense to me on this statement. I understand on XX/XX/XXXX Statement I didn't pay in full and carry a small amount over to XX/XX/XXXX statement that dont explains why they charge this amount of interest fee from last month. Yes I used the card on the month but the charge balances and interest should be pay on next month not charge me early within the statement period.
Consumer complaint received 2018-12-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

This complaint will be against Experian. This company won't allow me to dispute issues on my credit report. Whenever I submit a dispute through Experian, they never investigate my online disputes. They literally comeback with the results of the dispute less than three business days with no action taken. The worse thing is that they won't let me open a new dispute because they believe that I already previously submitted a dispute but they never investigate my online disputes. This is unlike XXXX or XXXX. Please fix this issue.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

The Following Inquiries Where Not Authorized By Me. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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: JPMORGAN CHASE & CO. (IN)

On or about XX/XX/2021, I noticed several transactions on my Chase Visa card that I had not been made. After checking with my wife ( the only other verified user of the card ) that they were not her transactions, I reported the fraudulent transactions to my credit card company. They refunded the charges and issued me a replacement card. 

Sometime after XX/XX/2021, I received a follow-up letter from Chase in which they determined that I was liable for one of the transactions. Upon reaching them, I requested information as to why this determination was made. They informed me that it was their determination that the order made to XXXX was to me. I informed them that I did not have an account with this website ( confirmed by attempting password recovery with the e-mail addresses used by my wife and myself. None of those addresses had an account at XXXX at that time. ) They were finally able to provide me with the relevant order number in question ( XXXX ) so that I could contact the merchant for more information. 

The merchant website, unfortunately, did not seem to have a phone number. I registered for an account using my e-mail address so that I could use their live chat function. I've attached the transcript where the agent provided me with a tracking number thru XXXX, which showed that the item was delivered to XXXX, Florida, some XXXX miles from my home. I have no family or friends that live in XXXX. ( screenshot of transcript attached ). 

I provided this information to Chase 's fraud department and they committed to reopening the case with the new information. 

On or about XX/XX/2021, I received a letter indicating that they would not be reversing the charge and that they still believed it to be proper. As such I am opening this case to attempt to get some resolution.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (LA)

I applied for a refinance on my own in XX/XX/2020 with my current lender Mr. Cooper aka Nationstar. I paid for an appraisal and worked through the process of the loan. Without further notification I logged into the web portal for Mr. Cooper to find out that my refinance loan had been closed. This was in XX/XX/2020. To date, I have not received a response as to why.
Consumer complaint received 2018-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (SC)

I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.
Consumer complaint received 2021-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.