davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of 42 years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about two years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only two years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Consumer complaint received 2018-12-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My student loan payments were higher than what I could afford, I contacted Navient and asked if I could have the amount due lowered and was told that was not possible. Another time later I had contacted Navient and asked how I could have my co-signer taken off the account and was told that I could only have the co-signer removed by proving they were financially unable to pay for the loan. My loan amount due dropped to XXXX for approximately a year without any explanation then increased to higher than it was before.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act Capitol one account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 — Account information incorrect
Company: DISCOVER BANK (MD)

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my Discover Card. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a Discover customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX  and XXXX  are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (TX)

TO WHOM THIS MAY CONCERN, I XXXX XXXX 100 % BELIEVE THIS IS NOT FAIR THAT THIS OLD INQUIRY 'S FROM XXXXFROM ALL XXXX CREDIT BUREAUS 1. XXXX 2. XXXX 3. EQUIFAX SPECIAL WHEN EQUIFAX WAS THE ONE THAT HAD THE DATA BREACH, OF MY PERSONAL INFORMATION LEAK OUT NOT JUST XXXX TIME BUT XXXX TIMES. 
I XXXX XXXX DO BELIEVE THAT WOULD BE XXXX AND FAIR TO ME AND MY CREDIT REPORTS ( ALL XXXX ) 1. ALL INQUIRIES FROM XXXX 2. AND HARD INQUIRIES XXXX NEEDS TO BE REMOVE. 
ALSO I HAVE SENT IN XXXX CLAIMS IN TO XXXX FOR THE SETTLEMENT CLAIM I HAVE NOT HEARD ANYTHING BACK I EMAIL THEM MY CLAIM STARTED FIRST IN XXXX XXXX WHEN EQUIFAX FIRST EMAIL ME ABOUT THERE DATA BREACH SPECIAL MONEY I BORROW FROM FAMILY HIRING ATTORNEYS DA AND SO FORTH I NEED THE MONEY BACK FROM EQUIFAX THE CLAIM NUMBERS I CHECK ED DOESN'T EXIST
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (TX)

REQUESTED THE XXXX XXXX XXXX XXXX NEWSPAPER TO START HOME DELIVERY XXXX, XXXX. RECEIVED HOME DELIVERY OF THE PAPER UNTIL WE BECAME VERY DISSATISFIED WHITH THE PAPER 'S CONTENT AND IT'S HIGH COST. THE AGREEMENT WAS TO PAY IN ADVANCE FOR THE PAPER. LAST PAYMENT SENT WAS XX/XX/XXXX WHICH WAS TO COVER THE COST OF THE PAPER THRU XX/XX/XXXX. WE RECEIVED SEVERAL NOTICES THAT OUR SUBSCRIPTION WAS ABOUT TO EXPIRE SO WE LET IT EXPIRE. THE PAPER CONTINUED TO BE DELIVERED WITHOUT OUR PERMISSION OR PAYMENT FOR APPROXIMATELY 30 MORE DAYS. THEN WE GOT A NOTICE FROM A.R.M. 
XXXX XXXX, XXXX, CA, A DEBT COLLECTOR, DATED XX/XX/XXXX, SAYING WE WERE DELIQUENT FOR {$300.00}. WE FEEL A DISHONEST TACTIC HAS BEEN EMPLOYED BY THE XXXX XXXX XXXX XXXX BY DELIVERING AN UNASKED FOR PRODUCT AND THEN SENDING US A BILL FOR IT, AND THEN AN ATTEMPT TO TARNISH AND THREATEN OUR CREDIT SCORE BY SENDING A DEBT COLLECTOR AFTER US.
Consumer complaint received 2018-12-15
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: CITIBANK, N.A. (CA)

CBNA continues to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
Consumer complaint received 2022-06-19
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. (AZ)

Hi I recently went and applied for a car at a XXXX dealership but when ever they ran my credit they hit me with a BUNCH of Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * US SM BUS ADMIN ODA * US SM BUS ADMIN ODA * 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 2022-01-09
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)

Per the FCRA regarding consumer laws the three credit bureaus are only to report accurate information on all my reports.

The following information has been published without my written consent to do so, 15 USC 1681 the consumer has the right to prohibit information from being reported or sold in connection to any alleged credit or consumer transaction. 

The accounts I have not given consent to be published on my account are listed as follows : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I received notifications from my Chase Banking app that there was suspicious activity and that Chase suspected Fraud. On XX/XX/XXXX my card information was used to make a purchase of {$57.00} at a XXXX in XXXX, IN. On XX/XX/XXXX my card information was used to make a purchase of {$160.00} at a XXXX XXXX XXXX XXXX in XXXX, IN. Neither of these purchases were me as I was 200 miles away at college at XXXX University in XXXX, IN and I had possession of my card. It was a school week so I would not be anywhere else but school, and do not have a car so I would not spend {$57.00} at a gas station. I immediately called Chase Customer Service on XX/XX/XXXX and the customer service agent was able to help me and credited my account the money that I did not authorize on my account. 

On XX/XX/XXXX Chase sent me a letter saying that they were reversing my credited transactions. After speaking with customer service, the woman on the phone said that they had " trouble believing the claims '' since I go to school in Indiana and since my card has a chip. She was very accusatory in her tone, and I was appalled. These transactions were not my doing, and I was a victim of card fraud, yet she continued to shoot down my responses and said that there was nothing they could do for me once the credited transaction was reversed. On XX/XX/XXXX I went to my local Chase Bank and was again that there was nothing they would do because they believed these charges were valid. They refused to re-credit my account. Chase Bank 's handling of this matter and its treatment of me as a customer is both offensive and egregious. I believe that a credit for these unauthorized purchases is necessary and I would appreciate any help I can get in resolving this matter.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My complaint as a consumer is whos holding the credit bureaus responsible for their errors.XX/XX/XXXXXXXX A tradeline was added to my Experian profile which ding my score negatively. I contacted the creditor XX/XX/XXXX bank XXXX I wasnt account holder nor was I authorized user. 
I contacted Experian to find out how this happened, know one could provide me any answers. Although they could help me get it updated and removed I was concerned how it would impact my score again of removing a line of credit that been added my credit profile, its like getting hit twice. The representatives didnt understand what I was trying to explain as they dont even understand credit themselves! And dont have real answers to give you, theyre just order takers ; Its very frustrating as a consumer when know one is being held accountable for their errors but quick to make consumers be held to the fire. I worked very hard to get my scores where there are and I dont have time for agents from either side creditor or the bureau to make errors as neither would own up to the mistake made, but as the consumer Im being impacted! Will I get my points back? Will this happen again how do you trust the system?
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (TX)

I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX   account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.
Consumer complaint received 2018-05-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with Equifax, XXXX  and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My Complaint is against. Trans Union Credit Bureau! I have had tons of problems with them. From XXXX to XXXX!! In XXXX they made a Claim, I was working at XXXX XXXX XXXX?? That info in XXXX, was totally FALSE!! I worked at XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX ( my best estimate )! And I work there as a XXXX, then a WareHouse ( within the location I worked at only ), For a few months. Then returned to being a Cashier in the fall of XXXX and remained a XXXX. Until my resignation inXX/XX/XXXX After that Job I held jobs at i.e. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ( that job was from XX/XX/XXXX to XX/XX/XXXX )!! IThe other misinformation they have about me. Is that my Full Name is : XXXX XXXX XXXX XXXX That is totally false info, There is not XXXX, or XXXX in my name! My own father 's name is XXXX XXXX XXXX XXXX XXXX XXXX thus making him XXXX  years of age! And in XXXX, shortly after I moved from. XXXX Colorado and out of this address XXXX XXXX XXXX XXXX, CO XXXX. And was living on my own. At an address that I have been living at. Since, XX/XX/XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, CO XXXX. I tried three times to get a credit bureau report. From Trans Union. And was always sent a letter, stating I was declined. A Credit Bureau Report from them! Why is it Trans Union is punishing me like this?? XXXX  and XXXX  gave be a credit report. After I gave then these xerox copied documents : XXXX XXXX ID, Social Security Card, Copy of my Lease with The XXXX Apartments ( Now has been Re-Named : XXXX Apartment Homes ), and XXXX XXXX XXXX. I want an investigation brought forth. XXXX XXXX XXXX to resolve this matter!
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We own our home at XXXX XXXX XXXX XXXX XXXX CA XXXX. We think there is something wrong with these mortgages because we keep being told they have XXXX Balances. We don't know who is the responsible party whom we need to communicate with about our requests. Is it XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX, the Certificate Holders OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MORTGAGE PASS THROUGH CERTIFICATES, SERIES XXXX. XXXX XXXX XXXX WAS THE ORIGINAL LENDER.

MIN # XXXX. I would like request a quick claim deed or full reconveyance of both mortgages. XXXX XXXX  or XXXX XXXX? If we don't owe any money can we please request a reconveyance for the first and second mortgage? Also XXXX has informed us that our mortgage has been transferred out of the system and the last know Servicer is XXXX XXXX XXXX. In XX/XX/2012 XXXX XXXX XXXX did something to release these mortgages?

We would like to know if XXXX XXXX is still the Trustee of the above pass through certificates, and so have these certificates been liquidated, sold, charged off, or forgiven, or included in the mortgage bail out by the Federal Government?

I would like proof that we no longer are responsible for these charged off mortgage loans. We would like a full accounting of monies received from all servicers associated with our mortgages paid to the investors of the Pass Through Certificates, series XXXX that pertains to this single family residence, and XXXX XXXX.

As a protected XXXX XXXX XXXX   Veteran I would like to request a full reconveyance of the first and second mortgage.

We would also like to request to the responsible party the correction of any recorded documents this pertain to this mortgage.

I just want to clean up this situation. Thank you, XXXX XXXX
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

The company I am having an issue with is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, CA XXXX I moved out of my apartment in XX/XX/2018, with one month of my lease remaining. I was unable to pay my rent, and after receiving a pay or quit I chose to quit. I cleaned the apartment and left.

They kept my all {$1300.00} deposit, which was the two months rent I owed, and then sent me to collections with a company called IQ DATA INTERNATIONAL for over {$8000.00} of random and unitemized fees around XX/XX/2018. 

They are currently not answering my calls and have blocked my online access to the lease I have with them. This is preventing me from gathering the information I need to properly dispute the claim. 

I have disputed the claim with all three major credit reports, XXXX, XXXX and XXXX during the month of XX/XX/2018. 

At the moment this issue is preventing me from being able to pass a credit check and move into a new home. 

XXXX  is claiming I still owe the debt but there is no documentation of what it is for or why I owe it. I am still waiting to hear back from the other two credit unions, but I am hoping you can help me resolve this issue before I need to spend money I do not have on a lawyer I can not afford.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX, I had an open balance with my XXXX XXXX credit card which is a Synchrony Bank account. I paid off that balance and had {$0.00} amount on the card. However, last week when I went to use the card because of deals that were advertised to me I was told that my card did not work and was declined, which was extremely embarrassing. I called the Sychrony contact # and explained the situation and they confirmed that my account had been closed automatically but for reasons that did not make any sense. I explained to them that nothing had changed since I first enrolled for the card but the person I spoke with said she could not do anything but would open a case and a letter would be mailed to me. 

2 days ago, XX/XX/XXXX, I received this letter stating the reasons why my account was closed was from a credit report from XX/XX/XXXX from XXXX. This was the first time I was told my account was closed, the letter is dated XX/XX/XXXX and was sent from Florida. Not sure why I was not notified or warned sooner. 

I contacted a person today about this so called " case '' and they said there wasn't anything that they could do once the account was closed all I could do is go to XXXX and dispute the closed card on my credit report. I believe they did not take proper steps in closing my account and that my account was wrongfully closed. My credit score has taken a plunge and I don't know what to do next.