davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I paid a collection agency for a bill cause they stated fastest way to take care of was pay them then they would remove it off my credit report. Otherwise I could send in my paperwork from my chapter XXXX that I was still in ( not discharged/final court payments not finished ) and they would review and decide what to do. I choose to just pay it as it was only {$110.00} and seemed real easy to just pay rather than collect all the info they wanted. This shows on my TransUnion report still and no other credit agency. Mean while the chapter XXXX has been finished and discharged on XXXX XXXX, XXXX ( official file date XXXX XXXX, XXXX ) and anything dealing with that Chapter XXXX has came of my record as the 7 years from filing has arrived. I payed on this chapter XXXX for little over 5 years and have worked hard to get things back on the excellent side I was on prior to XXXX XXXX in XXXX with inadequate medical coverage that left me to have to file the chapter XXXX in the first place. The credit collector in this cause is causing a stand still of my improvement by not following through with a verbal agreement as good luck every getting something in writing as the will not provide that almost no matter what. Notified TransUnion with their preselected chooses they have and my response back is very vague in the results and I plus any others out their trying to get things right deserve better from a professional company. A consumer who does n't care about a quick dismissal of a response generally would not even bother to ask for such. However, it does state I can further contact them for any additional questions about my dispute request but it is a whole bunch of loops and staying on hold and links that do n't work properly - Why not just give me the report in the first place. Their vague answer does n't even specify that they contacted the creditor. Says : " Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. '' Ok I get what No Change or No changes have been made means but, really Verified? With whom it looks like them selfs well I can pull my credit report and Verify myself that their report says the collection is listed ... .What legal practice is this even right to give that response to a consumer. 
Basically I should never paid this did the weeks of paperwork gathering to have it gone now as I was miss lead by the collection agency. But even at that I was in chapter XXXX when this appeared on my report and all other bankruptcy items have meet their limit of 7 years from chapter XXXX filing and have been removed so even though I privately paid this should it not disappear with this rest.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My mobile bank account with Chase was hacked into by someone. They got into my mobile bank account, compromised my XXXX that was attached to my Chase bank account, and sent themselves every last penny that was in my bank account. I immediately reported this to Chase bank. They told me they were investigating the matter and would help me with my fraudulent charges. I had to create a new online mobile bank account username and password and place a claims on this issue. Several days later, Chase reported to me that there was no fraudulent activity on my account and they would not refund the money that was stolen from me by a hacker. They said they couldn't prove I didn't authorize these charges despite the fact I reported everything immediately and changed all my online banking information. I have been a loyal customer of Chase for several years and they did me wrong by allowing their weak security systems to get hacked into and by not creating more proactive measures of catching fraudulent activity before they occur. I am disgusted by the way they handled my claim and the fact that they refuse to investigate this matter even further. They claim to have " Fraudulent protection '' but then allow their customers to have their accounts hacked into without offering them any assistance.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Consumer complaint received 2022-03-28
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2019-08-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Braviant Holdings, LLC (OH)

This company is claiming to be " XXXX XXXX XXXX '' and calls from a XXXX and leaves a call back number of XXXX. It is a recorded message from a XXXX XXXX. They claim they are trying to collect on my Balance credit account, which I am paying another company on. They tell me the other company has no right to collect that account and they are a legal company and they won't send me a notice of debt as they are not a debt collector, but they'd be happy to make payment arrangements on this debt. They have called me and my family numerous times and told them they are going to sue me and I'm going to be served at work with my manager present. I have called Balance credit and they have told me the company I am currently paying is the correct company. I have asked the " XXXX XXXX XXXX '' to stop calling me and my family but they continue to call. The lady today was extremely rude and told me she'd see me in court when I asked her to stop calling and again told her another company was taking care of this matter. I offered her their phone number and she refused. They call me daily and leave me the same recorded message.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX keeps calling myself and family stating they have a civil case locally and I need to call another number. I finally called the number because they were bothering relatives. They state they have a case from 2008, a Capitol One account which is in arrears. They state it is in active debt collection and even threatened to take my vehicle when I got nasty and said this is a scam and that that debt had been written off. This company is all over the internet doing this to countless people. They say they sent paperwork that they never sent. It's all a scam and they will sound very nasty and very knowledgeable about your life which would scare most people. By the way, I have a current Capitol One card so I must be in pretty good shape with the company now!
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2022-03-28
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-12-14
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. (VA)

My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank you
Consumer complaint received 2021-08-26
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. (GA)

To someone who can help me. I am deeply upset because I have denied for housing due to a false and inaccurate account on my consumer report. I dont how this happen but it needs to be removed asap. XXXX XXXX and these three bureaus have messed things up with my comsumer report. I dont have debts and I dont owe anyone. XXXX XXXX is committing illegal activity under FCRA 609 by fraudulently and illegally placing an item that is obviously mixed up with someone else because this account is not mine.. This is very unethical and its on ALL my credit reports. this false debt is not mine and I can prove it. I have attached a letter from XXXX XXXX themselves sending me reimbursement for the error they committed. These bureaus is violating my rights as a consumer by reporting an inaccurate account after even notifying them, under FCRA section 609 this must be removed from my credit report immediately. You cant just place an false item on someone report and say they owe something. Thats FRAUD. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF TWO STATES, THE CFPB, THE CONSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD, EMOTIONAL DISTRESS, AND ILEGAL ACTIVITY.
Consumer complaint received 2021-08-26
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. (GA)

Thursday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : [ ssn ] | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I was looking over my credit report today and found a bankruptcy which should not be on my account. I would like you to investigate and verify the following bankruptcies, or promptly remove them from my credit report : Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Court : US BKPT CT GA XXXX Reference Number : XXXX Reason : Unverified Bankruptcy Please respond to me in writing, and include the " method of verification '' pursuant to FCRA 611 ( a ) ( 7 ). This should include : 1. The name of the courthouse which you verified the information with 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. The telephone number for the Clerk of Court 's office 5. Which document you obtained to verify the bankruptcy Thank you, XXXX XXXX
Consumer complaint received 2021-12-14
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)

My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. Thank you.
Consumer complaint received 2021-12-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-09-28
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. (FL)

Transunion, XXXX XXXX and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

On XX/XX/2021 I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/2021 I noticed the collection came back with a different name. The name is XXXX, XXXX XXXX.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2024, I called Experian to update my personal information. I notified the credit bureau that my name she be listed as XXXX XXXX XXXX and not XXXX XXXX. As of today, the company has failed to dispute the inaccurate information
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block and remove any inquiries derived from identity theft. Block and remove it.
Consumer complaint received 2021-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (GA)

Fed Loan Servicing company manages my school loans, and I have not been able to make payments due to the high payment. I tried to submit applications for different repayment plans, but each plan calculated payments based off income before taxes. We are a family of 6 and depend on one income, but because my husband makes six figures, the payment is too high. The problem is that they calculate payments based off of an amount that we don't receive, and makes it difficult for me to make payments.