davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
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. (WA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX XXXX Experian XXXX XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-29
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)

The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (CA)

I've had this bluebird account for years and as of late I've had alot of unauthorized us currently found out I was experiencing ID theft after a few months back I checked my XXXX XXXX  and saw things I'd never do or have hotel stays, XXXX which I don't even use and I disputed XXXX in XXXX money returned now it's happening again. Why and how is this possible for someone to hack into or use another identity and how can a client be protected as this is very difficult to figure out returning money, adding money, changing passwords nothing seems to stop the issue I did police report officer said that was good cause during you guys investigation u may come upon a name or any distinguished indepent features, tattoos etc.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have an acount at with the 5/3 rd bank in XXXX, Il I have a business account and personal the business account is the the account I have problems I tried to withdraw money and and couldnt not due to bank errors I still havent recieved any cash
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent numerous messages and attmpted to call TRANSUNION to have htem investigate a PAID deorgatory medical bill on my report. they hang up on you and never reply to the comaint on the website. 
XXXX rectified the issue in a few hours XXXX has a unpaid bill on my report that has been paid for in full! 

transunion has a out of the county customer service dept that hangs up on toy when they dont understand the question
Consumer complaint received 2022-10-06
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. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX
Consumer complaint received 2018-05-24
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)

My husband and I submitted a credit investigation request to the credit bureaus on XX/XX/2018. More than 30 days have passed, and we have yet to receive our results.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

All this information as been given to the company many times through their online 'bankmail ' and their call in service. On XX/XX/XXXX I went online to my HSBC account and wired {$50000.00} to a dollar denominated investment account I have with my wife on the XXXX XXXX XXXX. On the form it asked do you want to send $ or GBP and I checked . In late XX/XX/XXXX I get the first statement and it has a deposit of $ XXXX.After checking with my broker to find out why it was {$2000.00} short he said they might have done a double FX. I checked with the interim bank and the account holding bank and they both said they received {$47000.00} dollars. On XX/XX/XXXX I sent my first bankmail request for clarification of the wired amount. I was told I would have to contact the 'wire room ' through their call center. As of this date I have made between 6-8 calls some of which lasted 2 hrs plus. I have never been able to speak directly with the 'wire room ' because they do not take outside calls. Some of the operators were rude and unhelpful but there were 2 who tried very hard to get me an answer. The last one did call me back twice, once to let me know she was still trying ( the wire room never got back to her in the 3 weeks between phone calls ) and the 2nd time to say she and her manager were going to give this to an executive entity that would investigate and get back to me. That was the first week of XX/XX/XXXX. It is now the first of XX/XX/XXXX and I have still heard nothing.
Consumer complaint received 2022-08-26
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. (MO)

I have noticed that XXXX XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX and EQUIFAX to verify these inquiries. They have yet to do so.
Consumer complaint received 2021-05-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (MN)

I took a loan of about $ # XXXX for my son 's education and paid some of the loan and an amount of {$5600.00} became past due. The Company ( XXXX XXXX XXXX ) contacted me for payments many times. After a while I started making payment by checks to through my XXXX Bank account XXXX XXXX XXXX accounts. I paid up all the past due balance. 
After I completed the payments to XXXX, I got a call and a " bill '' from NATIONAL ENTERPRISE SYSTEMS XXXX INC. claiming to collect on the debt that have already been paid. I called both XXXX and National to let them know the debt has been paid in full and yet National continues to call and bill me for the debt. They also continue to report the debt on my credit report which is not accurate.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recwntly purchused a XXXX XXXX XXXX from XXXXXXXX XXXX  XXXX XXXX in XXXXXXXX XXXX Colorado. I am a fist time car buyer so I used their in house finance company " XXXX XXXX ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, Transunion and XXXX. This loan was opened on XX/XX/XXXX and only one payment so far has been reported on XX/XX/XXXX and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX  so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, XXXX needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/XXXX tells a different story.
Consumer complaint received 2019-01-31
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. (CA)

In 2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Consumer complaint received 2018-05-24
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. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Originally came fro XXXX XXXX in the amount of {$1900.00}. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, Chime Bank took XXXX $ Out of My account with out my permission to pay my credit card. I never authorized or signed up for auto pay. This is an outrage, I wanted to pay XXXX and they just took all my money. They were extremely unhelpful and I believe that what they did was not only miss leading but possibly illegal.
Consumer complaint received 2019-07-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I applied for the loan online, and received an automated phone call that my loan request had been approved. I was told to call XXXX to finalize the transaction. I was offered a {$10000.00} loan with a $ XXXX/month payback over 60 months. I spoke with XXXX and he outlined all the terms and conditions. I was told I would receive the funds via XXXX XXXX, but I had to pay the wire transfer fees upfront with a prepaid card. I was told to get a XXXX XXXX or XXXX card in the amount of {$360.00} and that XXXX XXXX would call me for the card information. I went to XXXX XXXX and purchased a XXXX XXXX card. On the way home from the store I started feeling suspicious that " what does XXXX XXXX want with a prepaid XXXX XXXX card? ", so when I got home ( and before I gave them the information ) started doing some research both online and with phone calls to XXXX XXXX and One Main Financial. I was told by XXXX XXXX that the MTCN numbers of XXXX & XXXX did not exist. They also told me that they do not accept XXXX XXXX gift card for payment. One Main Financial told me this is not the way they operate, they do not use XXXX XXXX to transmit funds. When I " googled '' the phone number XXXX I found other complaints of scams associated with this listing. I had never signed a loan contract - XXXX told me after I provide the card info and my funds were wired that I would be required to sign. After this research I told him that I did not feel comfortable providing any further information by phone, to please send me an email with the contract information. The email is from XXXX. This does not look like any other legal form I have signed online, and it says repayment is {$100.00} per month. So now I have a XXXX XXXX card worth {$360.00} ( I never gave information over the phone ) and no loan.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (FL)

I received a strange letter from Chase Bank. It states : IMPORTANT : You or a joint owner DECLINE Chase Debit Card Coverage. This was pertaining to an alias account of Debit Card XXXX which is now account ending in XXXX. I never opened this account and again Chase Bank refuses to disclose who are the entities compromising my account without my authorization and then closing the accounts in my face. Then I received an email asking me to log into an alias account that then they say is closed to avoid getting paper statements. Like they are antagonizing me.
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (NC)

I contacted XXXX XXXX apartments. Who had issued a fraudulent debt in my name. I informed them that I have no knowledge of this debt that I had never lived in one of their apartments or any apartment in my life. And that this debt is fraudulent. They state it has my name my signature so it is a valid debt. And the only way to take care of it is if I pay a debt that I am not responsible for. Next I contacted Experian Credit Bureau and filed a dispute informing them that that is a fraudulent charge That XXXX apartments are stating I owe them for. Within a couple days of the dispute being submitted Experian notified me that they investigated the dispute and the they determined that it was a valid debt. I resubmitted the dispute a second time informing them that they need to reinvestigate because that debt does not belong to me. Again a couple days later they notified me that they determined that it was still a valid debt. So I contacted Consumer Finance and informed them that Experian is validating an incorrect debt on my credit report. Consumer finance forwarded the complaint to Experian and a couple weeks later Experian sent me a contract that had my name signed to it between someone signing my name. But the signature is not mine It's not even close to my signature it appears that a child signed my name. I sent a copy of that contract back to Experian with copies of other legal signatures of mine any copy of my driver 's license that has my legal signature and the handwriting is obviously not mine. And again they sent me a notification stating that they are not removing the fraudulent debt from my credit profile. If you look at the contract you can see that that information on that contract is not mine. It's not something I signed nor did I fill out. It's an easy visual inspection to see the it is fraud. And now I'm stuck with something on my credit profile that is not mine. I dont understand how a company can just say you owe them and your forced to pay them. I should not have to prove its not mine. They should have valid proof its mine to attach to my credit profile and they can't. What can i submit to prove the debt is not mine except send documentation showing my hand writing?
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

When PNC takes BBVA they never care about BBVA customers, they create an Escrow account in my mortgage account when for the last 10 years there is non. 
They start charging me with out my authorization an Escrow I never asked for, and after paid them the amount they told me I owe the Escrow account stills there when it supposed to be deleted, canceled or disappear, PNC is n'the worst bank customer service I has experienced
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Independent Finance Company LLC (CO)

I recwntly purchused a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX   Colorado. I am a fist time car buyer so I used their in house finance company " Independent Finance ''. Upon sighing my contact I was bound to pay off the loan on time and in its entirety, Independent is contractually bound to report payments to the two major credit agency 's, XXXX   and XXXX. This loan was opened on XX/XX/2019 and only one payment so far has been reported on XX/XX/2019 and only to one credit agency even though I have made all of my payments on time via credit card. I have tried to address the issue with Independent but every-time I try I am met with unprofessional conduct and employees literally laughing at me on the phone. I am filing this complaint along with one to the American XXXX so I can begin litigation if these credit issues are not resolved. I believe Independent is profiling me as a young buyer, not reporting my payments and crushing me with a predatory APR in an attempt to keep me in the exact financial position I was in when I came to them, thus forcing me into another lemon at another predatory interest rate. I have held up my end of the contract by making every single one of my payments on time, Independent needs to hold up their end of the contract. They say they report monthly but my credit report which has not seen a good payment since XX/XX/2019 tells a different story.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Consumer complaint received 2019-01-31
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. (GA)

I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XX/XX/XXXX, I noticed there were 3 capital one accounts reporting on my credit report. 2 of them were accurate, and one of them did not belong to me. I mailed a letter to all 3 credit bureaus alerting them of the inaccurate account. I also stated in the letter that the other 2 accounts were accurate. By the end of XXXX I noticed the inaccurate capital one account was removed and so was one of my accurate accounts leaving only one capital one account reporting to all 3 bureaus. I called XXXX first to alert them of their mistake and they informed me that i needed to contact capital one in regards to this matter. I called capital one to inform them of the mistake and they stated that i should contact the credit bureaus. The Capital One representative also stated that they would be reporting after the XXXX of the month and i should give them a call back if i did not see the account on my report by the middle of XXXX. I didn't think much of it since my account was still open and i was still able to use my card. I logged into my online credit card account today, XX/XX/XXXX around XXXX and i was not able to view my personal credit card account information, however my business credit card information was available. I contacted Capital one around XXXX and the customer service representative informed me that my credit card account was closed do to fraudulence. There was no manager available for me to speak to about this incident. I have had this credit card open and in good standing for 2 years now and it is being closed in error due to the credit bureaus reporting fraud on the wrong account.