davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2020-07-30
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)

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/30 I applied for a checking account online at Simple.com and was given the following message, " We're sorry to let you know that your Simple application was not approved. For security purposes, we can't tell you the specific reason. '' I called their customer support at XXXX to inquire, but was told again that no reason can be given. I asked about my rights to dispute incorrect information and to be provided a reason for denial per the FCRA, but was again told no information would be provided. I was unable to re-review my application for any potential mistakes and was not given any information on what potential reports were pulled in making the decision for denial. I feel that my rights per the FCRA were violated.
Consumer complaint received 2019-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (IL)

I made what was going to be the final payment toward my student loan. The amount was XXXX and it was made on Discover 's student loan website on XX/XX/XXXX/2019. This payment was supposed to be split into {$80.00} toward my monthly payment with the rest going toward paying down my principal balance. 

Discover applied the {$80.00} payment promptly while failing to apply the the payment toward my principal balance. The entire sum of {$3300.00} has been deducted from my bank account and Discover refuses to bring down my principal amount. Due to this, I am being charged 10 % interest per annum daily on my balance. 

As I write this to you on Friday, XX/XX/XXXX, it has been 5 business days without Discover finding a resolution to this problem. I have made 2 calls and written several emails. During all of this time, I am being charged interest unfairly.

I am attaching Discover 's acknowledgement of the one-time payment I made. Their call center refuses to acknowledge this proof and wants to inconvenience me by making me go to my bank and get a statement and send it to them as proof of payment. I don't understand why they can't treat their own letter ( which they sent to me ) as proof.
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

My credit files indicates that someone opened a loan / lease on XX/XX/2016 these ar ethe providers and I had not authorized the parties to use me this is effecting my credit and or ability to get credit tieing up my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for around XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

My wind and hail is due onXX/XX/XXXX and has still bee unpaid and am at risk of having coverage canceled. DMI has messed up my coverage ever since boarding the loan with them. 45 min hold times. XXXX XXXX  is the servicier of the loan and DMI subservicer. They have royally screwed up and have done very little to fix. XXXX XXXX  is no providing proper oversight of the subservicer and DMI has failed to maintain escrow.
Consumer complaint received 2020-07-30
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. (CA)

On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact equifax letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (KY)

Prior to XX/XX/XXXX I contacted Chase online informed that I was receiving several texts/email for deposit code from them and I was not trying to deposit anything. Chase representative checked the account and assured me everything was fine. On XX/XX/XXXX I called Chase online advising them there were two deposit items on one of my account and I nor my son had deposit these items and they were not mine. Chase representative told me that the items looked legitimate and they appeared to be part of the Government stimulus funds. I told the representative I had already received these funds and I insisted on speaking with Chase Fraud. I told fraud the items were fraud, no funds and I believe my account to be compromised. I ordered one account suspended/closed and I changed the passwords and emails for both account. Chase later confirmed the items were fraud and charged my account for the returned items. I have contacted Chase several times asking that the charge for the two return items be removed from my account after all I contact them before, on the day of the fraudulent ites and that I had not use any funds from the 2 fraudulent items. Chase refuses to refund me. Am I suppose to protect my Chase Bank account, or is Chase supposed to?
Consumer complaint received 2024-02-06
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. (FL)

To Whom It May Concern : I have sent letters to you requesting that you remove inaccurate, incomplete, or unverifiable accounts from my credit file. To date, you have failed to comply with the Fair Credit Reporting Act requirements by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA.

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your non-compliance. It has been over 45 days since you received my original request to investigate removing the following accounts, and you have failed to comply with the FCRA.

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete, or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remain on my credit report : 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 Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you describe the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to file a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-07-23
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)

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. I was never late on these accounts. There are multiple errors shown in my report. Please check the date reported, date of last payment, etc. These are a good standing accounts. Please verify that all information are 100 percent true, accurate, correct, and not unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$43000.00}.
Consumer complaint received 2022-07-23
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. (CT)

E XPERIan Credit reporting agency have incorrect information on my credit file from XXXX  that does not belong to me there are several account from XXXX that has me Being late never had accounts for
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

This is a complaint against Equifax. In XX/XX/XXXX, I had a legal name change as I am XXXX. At that time, I had my social security card updated and all other legal documents. I submitted these documents to all creditors and credit reporting agencies. For the past three years, I have struggled with Equifax continuously refusing to update my information even though I have provided this information repeatedly. In XX/XX/XXXX, I applied for an apartment rental and had a freeze on my account with Equifax. I called several times over the course of the next three weeks to attempt to have this resolved and was denied access to my own credit file, as I believe it has fraudulent information on it, as the " Security Questions '' they asked me are not accounts that I have ever had. When I inform them of this, they simply deny me access to my file and refuse to help me. As of XX/XX/XXXX, after applying for a Mortgage and being informed that AGAIN, Equifax has placed a freeze on my account, I submitted an ADDITIONAL request that they update my credit file, IN WRITING Via Fax. I followed this up with a written letter to the XXXX XXXX XXXX XXXX, and CC 'd Equifax 's dispute department, with a complaint and request for my file to be updated. As of XX/XX/XXXX, upon Equifax refusing to update my information yet again, I Submitted this request again via fax. 

In the meantime, I have submitted 3 online disputes with Equifax, one of which I was given confirmation number XXXX. I submitted disputes online the week of XX/XX/XXXX, the week of XX/XX/XXXX, and XX/XX/XXXX. I have requested my file be updated in EACH of these WRITTEN requests, and requested copies of my credit file/credit report IN WRITING in each of these written requests, each fax, and every single time I have spoken to one of their representatives on the phone.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arco Collection Services LLC (TN)

Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with Arco Collections ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to XXXX XXXX being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.
Consumer complaint received 2018-05-10
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. (NC)

I have a student loan balance from XXXX/XXXX XXXX XXXX on my Experian credit report that is incorrect. This balance, paid in full, is correct on my XXXX and XXXX credit reports. I tried to file a dispute with Experian to resolve this. This student loan was paid in full in XX/XX/XXXX and it is still showing a balance on my Experian file. When I received the dispute resolvement letter from Experian today, XX/XX/XXXX and it was not corrected (??? ), I followed directions on the letter and called XXXX/XXXX XXXX XXXX. The XXXX XXXX XXXX representative told me that they reported to Experian on XX/XX/XXXX that the account had a XXXX balance, and was paid in full in good standing. I then called Experian to try to resolve this. First, it is almost impossible to get to talk to someone in the dispute center, when I finally navigated my way there, the representative was very rude, disrespectful, and unhelpful. I told her that I had documentation and that they had received the same documents from XXXX XXXX XXXX. She informed me that the company stated there was no change in my account so that is why they ( Experian ) made no effort to correct my account. So if that is what XXXX XXXX XXXX told them, 'no change in my account ', there was no change because the account had been paid in full since XX/XX/XXXX. There seems to be a little bit of effort that needs to be put forth by Experian when 2 of 3 credit reporting agencies show a XXXX balance and they don't, to maybe dig a tiny bit deeper into the issue. The Experian representative very rudely told me to mail in or upload my letter, told me to have a nice day, and hung up. There is obviously a disconnect between these credit reporting agencies and the credit companies. These companies are in control of the things we can finance as well as the jobs we can get, so it would be great if they were actually working for us and not against us.
Consumer complaint received 2024-02-06
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. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
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. (TX)

I paid my XXXX XXXX card off in full several months ago. Despite contacting XXXX  and Experian and showing proof the account is a XXXX balance Experian updated the balance as of XX/XX/2024 to {$490.00} despite the fact I submitted a dispute and uploaded my XXXX statement showing the balance is XXXX. This XXXX balance is prohibiting me from getting credit and hurting my score
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MN)

BBVA was supposed to transition all of our Simple accounts over to BBVA so we could access them Saturday morning, but their site crashed and locked everyone out, and now they aren't answering their phones or sending emails or other communications about my money, and I can't view how much money is in my account or access it. They haven't sent any emails about it and the only way I can find anything out is on XXXX, and they only rarely post there. As of yesterday I should have about {$340.00} in the account but I can't see if any transactions happened or any money was taken out or added.
Consumer complaint received 2022-07-23
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. (MS)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WY)

On XX/XX/2021, after simple bank was shut down by BBVA, I attempted to create a username and password to access my online banking. This process failed with a " system error '' message. 

Later that same day, the website informed me that the account creation was actually successful, and that I should attempt to login with username and password I created initially even though it ended with an error message. This process failed, and my account was locked and I was presented with an error message that I must call customer service to unlock my account. Since this was a weekend, there was no customer service available. 

On XX/XX/XXXX, I was informed that customer service would be available to assist with transition, with a phone number on the website of XXXX. Upon calling this number I was greeted with dead air. Over the next two hours, I attempted to call this number again, thinking it was a glitch. After my fourth attempt I reached a representative who did not respond to my questions acting as if they could not hear me, I was then hung up on.

This process repeated itself sixteen more times. Sometimes reaching dead air, sometimes reaching a representative who either claimed to not be able to hear me, or simply hanging up as soon as I spoke.
Consumer complaint received 2020-07-30
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 (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

I wrote a check from my bank ( XXXX ) to a person with an account at Chase Bank. My bank ( XXXX  ) paid the check on XX/XX/2018 to Chase bank. Chase bank is holding the check from the recipient so the recipient cant get the funds.