davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: DISCOVER BANK (NJ)

I have this accounts that are not mine and i want them to be remove from the 3 credit reporting agencies. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : 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 and XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-10-22
Product: Credit reporting 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: LEXISNEXIS (IL)

On XX/XX/23 I request for my free credit report. Lexisnexis response was for me to go online to get it and i clearly stated in my letter i only communicate through the US Postal service
Consumer complaint received 2019-08-15
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

I had my last car payment to make on Chase auto finance car loan before loan was paid off- I made payment but was not aware that there was additional XXXX fees that were due also, so the loan showed late paid because there was XXXX dollars outstanding. I paid it soon as I was aware of it. 
This was my last payment - the loan is now paid off- Chase Auto says they can not change the 'late ' payment or remove. Please help it made my score suffer over 40 points.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: MIB Group, Inc. (SC)

Mib Inc has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous mib report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove mib report because it violate all forms of medical laws by leaving it there
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

Had several late charges from Barclays credit card and was unsure as to how and why these were being applied. Discovered today that Barclays converts the paper check to an electronic check, submits it to my bank for electronic payment and after the check is paid they then credit the account with a payment, along with a late fee. Most recent payment was due Saturday, XX/XX/2021 and an electronic request for payment was submitted to my bank at XXXX XXXX., Monday, XX/XX/2021. Speaking with Barclays this morning ( XX/XX/XXXX ), while there is a payment pending to Barclays with my bank, they are indicating that they have not received a payment from me and have not credited my account with the payment. In order for Barclays to submit an electronic payment they would have had to had the check on XXXX ( no mail delivery on Sunday XX/XX/XXXX ). Barclays must credit the account with a payment the day received, not after turning it into an electronic check and having it cleared through my bank.
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (NV)

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, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (CA)

I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2021-05-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (TX)

I opened BBVA checking & savings accounts on XX/XX/2021. The BBVA XXXX XXXX new account offer was {$200.00} for checking account and {$50.00} for savings account. 

I met the requirement of " Add qualifying savings account betweenXX/XX/XXXX. Have a balance of {$1000.00} or more on XX/XX/2021 '' but did not receive {$50.00} bonus for the savings account. 

I contacted BBVA customer service and was told the bonus should be posted 90 days after account opening and no further details was provided. My account has been open for 90 days.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The accounts below are reporting incorrectly please investigate these : Bankruptcy Decree Chapter XXXX Account # Case # XXXX Child Support Account # Case ID # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX. Account # XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NJ)

I'm in the process of repairing my credit and came across this account in my profile. I'm unaware of this account, charges, fees or it's associations with me. As per the fair credit reporting act please provide validation to me via mail. Original contract with signature, breakdown of charges and fees and any other that proves this account is mine.
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: KEYCORP (WA)

This is a problem with KeyBank. I initiated a {$3000.00} transfer from my Cash Reserve Credit Line to my Home Equity Line of Credit on XX/XX/XXXX. The transfer from the credit line shows on my account as of XX/XX/XXXX, and I have been paying interest on that credit line since XX/XX/XXXX. However, the payment to the Home Equity Line of Credit has still not been posted, as of XX/XX/XXXX. I have paid interest on both accounts ( the Credit line AND the Home Equity LOC ) for a week. I called KeyBank on  XX/XX/XXXX, at which time they told me the payment would be posted by Wednesday, XXXX, XXXX. When the payment did not appear on my account by Thursday, XXXX XXXX, I called again. The KeyBank representative told me the payment could take up to 5 business days to post. Checking my account again on Friday, XXXX XXXX, the payment still hadn't posted.
Consumer complaint received 2019-08-15
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: EQUIFAX, INC. (SC)

I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using 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.

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX
Consumer complaint received 2017-12-20
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. (IL)

TransUnion has been reporting a tax lien on my credit report for most of this year. This is an error from XXXX XXXX due to their slow process to resolve issues. I have sent TransUnion requests to validate and verify with XXXX XXXX XXXX XXXX XXXX and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 &  623 of the FCRA. TransUnion 's response was a claim that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the XXXX XXXX XXXX XXXX XXXX requesting to see this information that TransUnion claims to have verified. XXXX XXXX XXXX XXXX XXXX sent a letter stating that operators may confirm a specific tax lien has been recorded but operators " CAN NOT VALIDATE OR VERIFY RECORDED TAX LIENS ... .Recorder has NO ABILITY OR AUTHORITY to validate or verify recorded tax liens. '' I sent that letter to TransUnion explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 )  the information they are reporting must be deleted. I called TransUnion on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a lady named XXXX at XXXX XXXX on XXXX/XXXX/XXXX. XXXX was informative. She claims that TransUnion verified the information although company policy could not let them share the alleged verification due to company policies. I told her to reference the letter I sent from XXXX XXXX RXXXX XXXX XXXX and she stated that the letter was only referencing calls made to the XXXX and she completely ignored the statement in the letter clearly saying that the " Recorder has NO ability or authority to validate or verify recorded tax liens. I asked to speak to a supervisor and a very similar conversation took place. I asked to receive the proof that the information was actually verified, [ which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ) ], and my call was disconnected. I have notarized documents that XXXX XXXX XXXXt has in their possession, which shows they have reported inaccurate information. So I am very confused how TransUnion can certify and still report any of this inaccurate and improperly verified information. 

I have been attempting to resolve this matter with Transunion through mail, phone calls and various documentation and have NOT had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using 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. 

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-10
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. (KY)

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 XXXX XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Consumer complaint received 2021-07-13
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. (FL)

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports and Social.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I filed an unauthorized transaction on charge I didn't make with PayPal Credit/ Case ID : XXXX. The Response was " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. '' Since this time the terms of my credit allow me to escalate the unauthorized charges, but the system doesn't work and no one answers the phone at PAYPAL.
Consumer complaint received 2021-06-30
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. (MA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.
Consumer complaint received 2023-03-03
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. (GA)

As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024 I informed Experian that they were in violation of the FCRA by not reporting my address properly on my credit report. According to the FCRA a consumer credit report means any written or oral report issued by a credit reporting agency. I called Experian to notify them of their mistake and the representative told me that I have to spend my money to mail them my ID & information instead me giving them my info orally if I wanted my address corrected case # XXXX. Experian deleted my address without my permission and accused me of doing so. Experian also told me that I would not generate a credit score without a primary address prohibiting me from purchasing a home according to my realtor.
Consumer complaint received 2020-09-06
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. (GA)

Chase has decided to start charging for an addon service that I never authorized. In the last three months i have made multiple attempts to get them stop charging for " Chase ACH Payments Monthly Fee. '' A service I did not turn on nor am I using. I was told the charges would no longer continue, but I am still being cahrged for this service and have to contact Chase every month to remedy this fee. 

To be clear, I at no point authorized this service. I at no point engaged in using this service. Chase has not been able to provide any proof of authorization for this service. Chase has agreed to no longer charge for this service and disable it on my account, but continues to do so.
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX, Mohela sent me a notice stating that my total due is {$2600.00} which includes a past due of {$1900.00}. They are still holding on to XXXX payments and refuses to forgive the XXXX loans that met the required number of payments in XX/XX/XXXX. In addition, they have received my loan forgiveness application which they are refusing to process. 

XXXX XXXX