davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-18
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. (FL)

Transunion and XXXX have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX  XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX XXXX agreed to remove from court documents and credit report. Ive also sent court documents to XXXX and Transunion but they have failed to remove
Consumer complaint received 2019-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company (KY)

In XX/XX/2019 I was pre-approved for a home loan with JG Wentworth. XX/XX/XXXX I contacted XXXX XXXX with JG Wentworth to inform him that an offer had been accepted in a home. I proceeded to provide him with all the necessary information. I paid {$550.00} for an appraisal and was told it would be credited back at closing. After I was told the file had been submitted to underwriting late XXXX, I received no follow up or return phone calls inquiring about my status. Finally I copied XXXX XXXX colleague, XXXX XXXX and received a response of " that loan was denied. ". I asked for more information and received no response or phone calls. I am working with a new lender and have requested a copy of my appraisal as promised a month ago. I have yet to receive a response.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

Dear Experian : Im responding to the verified no-change letter you sent me for collection account.

1. This account was PAID as AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. This account PAID and AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2019-04-18
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)

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX XXXX XXXX {$570.00} Opened XX/XX/2018
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NY)

Paypal sends out XXXX XXXX offers a few times a year whereby if a customer spends a certain amount of money during XXXX transaction within a stated timeframe, the customer will earn a statement credit on their future statement. In 2014, I activated and completed XXXX offers during the end of the year XXXX XXXX & XXXX XXXX. I waited for my future statement to see if my statement credit posted to my account and found no statement credit given to me. I contacted Paypal customer service to inquire about my statement credits due me, during the end of the year. The customer service representative I spoke with was an outsourced employee in another country that spoke XXXX, but had no understanding of the XXXX XXXX vernacular and kept making the wrong understanding of what I was trying to explain to her. She kept thinking I was complaining about a charge on my account, even though I was telling her I an missing the statement credit promised to me for completing a purchase offer. I became frustrated and hung up. Then I sent and email, with the hope that an American would read it and understand my concerns. Instead, I received an automated response email about promotional financing and interest charges. Below is a short copy/paste of that email : Question about promtional financing and interest charges ( XXXX ) : XXXXXXXXpaypal.comXX/XX/2014to meHello, Thanks for your email. We 've created this immediate automated response to help you learn more about promotional financing and interest charges. 
If the information below does n't answer your question, please reply to this email or call us. 
A. What is my APR? 
B. I was offered a promotional credit for paying with PayPal Credit. When will I receive it? 
C. How can I tell if my purchase has promotional financing? 
D. How do I avoid interest on my promotional balances? 
E. How do you apply my payments to my account balances? 
I became frustrated and just decided not to use paypal anymore, because I feel that they offer statement credits just to get customers to use their credit for the purpose of earning interest payments and never truly have the mindset of giving a statement credit!
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA (PA)

On XX/XX/2019, I received 58 missed phone calls from XXXX. I know this is from First National about a convenience store credit card. I am 1 month behind on payments. I told them that I am trying to make payments and I am aware I am behind. 58 phone calls 22 minutes is harrassment.
Consumer complaint received 2019-06-15
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: BARCLAYS BANK DELAWARE (PA)

I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), Brclysbankde ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Consumer complaint received 2019-06-15
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: JPMORGAN CHASE & CO. (PA)

I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), Jpmcb Card ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Consumer complaint received 2019-06-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I applied to have my mortgage insurance removed. Chase requested a check and said a broker would do an estimate. However, the broker used comparison sale data of over 12 months old and nothing similar to my home. I brought this up to Chase, and they said for me to submit comparison data of homes less than a mile away and no more than 6 months old sales data. When I did do this, Chase refused to accept the data without providing any reasoning. Furthermore, Chase 's customer service rep tried to belittle my opinion by insulting me when the data they are using does not fit the parameters of their own rules. Chase decided to use old data to keep my mortgage insurance and they kept my fee for a broker opinion that was tainted and false. The entire process is a sham and fraud. Chase has no desire to follow their own rules for estimating a value of a home and rather just keep the extra {$100.00} they charge customers.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have attempted three times since XX/XX/2018 to remove accounts from my report that does not belong to me. Each time Equifax says the accounts are verified but again, they do not belong to me so of course when asking for verification there isn't anything to show as well and I have already sent my identity theft affidavit to them each time.
Consumer complaint received 2019-06-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

For over fifteen years Equifax has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. So in XXXX, XXXX I wrote to Equifax via a Certified/Return Receipt mail, requesting that my personal data i.e. my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response from them, months later. Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me that has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. Again, they've blatantly ignored my request. 1. XXXX XXXX, Delaware XXXX XXXX XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX  XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXXXXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. XXXX VXXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9.  XXXX XXXX XXXX  XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Consumer complaint received 2022-04-05
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: Bridgecrest Acceptance Corporation (GA)

In XXXX of 2022, in response to a goodwill requests, my rights were violated. 

15 U.S.C 1681 Section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-15
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. (AL)

Ive contacted these companies about hard hit inquiries on my credit report with no resolution. Ive also contacted TransUnion about these issues, but I could not get the representative to understand my concerns. It was very difficult to understand her. On XX/XX/XXXX, XXXX XXXX has 2 hard hit inquiries on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. On XX/XX/XXXX, XXXX XXXX XXXX XXXX had a hard hit inquiry without my consent. Ive tried 2 resolve these issues but to no avail.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX account that started as a debt to XXXX XXXX and has been sold again and again to different agencies. This XXXX account pops up several times in my credit report with Transunion. I have started the dispute process in XXXX and still not resolved. Although it has been removed under the name of XXXX, it pops back up under XXXX Court Public Record. There playing games now. 
Again, This account was recently removed from public record but still listed under collections. I had Transunion remove the error in collections but then they added it back on under the name XXXX Court in Public records. PLease PLease help
Consumer complaint received 2019-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have 3 collections on my equifax report i wrote to them more then four times and they keep sending the same answer verified. i asked them how they verified they answered verified! ( Attached ) i told them this collection agency wont send me verification so how are they able to report these items, and yet again they answer verified! i do not know what else to do i can not afford a lawyer so im asking you guys for help to remove these unverified charges off my equifax report. they just send me the same print out over and over thanks.
Consumer complaint received 2019-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I do not recognize these inquires on my report from XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Cap One ( XX/XX/XXXX ), Capital One ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted TransUnion to explain to them that I had not authorized these inquiries and I was a victim of their inquire glitch. I requested them to remove the negative inquiries and spoke with XXXX at TransUnion and she would not help and take care of the negative inquires that are reporting on my credit report. 
I asked them to remove the following negative inquiries ... .. 

XXXX XXXXXXXX inq. ( finance ) from XX/XX/XXXX consumer in. ( XXXX XXXX ) XX/XX/XXXXXXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX ( MISC. ) XX/XX/XXXX XXXX ( automotive ) XX/XX/XXXX XXXX XXXX ( automobile ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX ( MISC ) XX/XX/XXXX XXXX XXXX. ( BANK ) XX/XX/XXXX XXXX XXXX. ( Finance ) XX/XX/XXXX XXXX XXXX ( automotive ) XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX ( finance ) XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( national credit card airlines ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX and XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX I called Transunion and spoke with XXXX to get help with the removal of the negative inquires and I did not receive any help at all and I have called prior asking about removal and still no help. 

My name is XXXX XXXX and ss # XXXX birthdate XX/XX/XXXX I can be contacted at XXXX or XXXX
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please look at the documentsI have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted. that I've attached.
Consumer complaint received 2023-02-27
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: AMERICAN EXPRESS COMPANY (MS)

I have been dealing unsuccessfully with the 3 major Credit Bureaus ... XXXX * XXXX * XXXX, Consumer Financial Protection Bureau and XXXXXXXX XXXX for the past 2 months. I have provided the necessary information to have my accounts correctly updated, which was ONLY a name change. I have provided EVERYONE a copy of my Court Decree Name Change, my Marriage License, my new name change on my Social Security card and my new Driver 's License. I have provided this information FOUR times ... by phone, email, regular mail and Certified mail. ( I even drove 150 miles round trip to XXXXXXXX XXXX in XXXX, Alabama to HAND-DELIVER the information to complete my name change. ) The ONLY thing that I haven't done is to input this information CORRECTLY in my file myself... which I would be more than willing to do! ( At least I know that it would be done correctly ; good customer service is a thing of the past... today 's generation have no clue in regards to great work ethics and have become too lazy wanting to work remotely so they can get nothing accomplished but demand more pay for their incompetence. ) American Express did not have any problem correctly updating my account ... " Thank-You '' American Express ; you need to give lectures to your competitors on correct banking procedures. 
Unfortunately, I know first hand that it is an impossible task for company employee representatives, in today 's society, to do their job appropriately and timely. I have finally given up trying to communicate to these XXXX, XXXX XXXX that have no clue what great customer service is. 
My credit score has been between XXXX for the past 3 years ( See attached documents from my Chase Personal Online account provided by XXXX ) I have been desperately trying to get my name change resolved... AGAIN... if you check your records, you will see that ALL these accounts were originally opened under the name of XXXX XXXX XXXX XXXX XXXX then I married an XXXX XXXX he passed away in XXXX ) ... in XXXX I changed my first name to XXXX and married a XXXX. How simple is THAT... I still have the SAME BIRTH DATE and dahhhhh... my SOCIAL SECURITY NUMBER is still the SAME. How difficult is this to change on my credit reports???????????/ Yesterday I received an unexplained XXXX Score of XXXX from XXXX ( that was posted on my American Express website ) stating that my credit score had dropped XXXX points with NO EXPLANATION! XXXX!!! 
I have finally decided that I am sick and tired of all 3 credit bureaus blowing smoke up my XXXX and not doing their job. I am retaining a lawyer and filing suit against their grossly inaccurate credit reporting practices and failure to correctly investigate my disputes. My credit score has taken a nose dive for no explained or apparent reason other than the credit bureaus incompetency ... and I have had ENOUGH! 
See you in court!!!!!!!