davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

In 2017 Equifax was beached and my identity used to ruin my financial security, sense of Safety along with all 3 credit agencies, Equifax, XXXX and XXXX along with financial institutions XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  and collections accounts l : XXXXl, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a Lawyer and will alert the media. Because of Equifax having the data breach my personal information back was used and my credit destroyed. Equifax ruined me life and continues to do so. who governs this?
Consumer complaint received 2021-07-20
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: U.S. Auto Credit Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-07-20
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: Navient Solutions, LLC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2018-09-23
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: JPMORGAN CHASE & CO. (IL)

Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that Chase Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XX/XX/2018 I was suppose to have funds transferrd from XXXX XXXX XXXX via XXXX. To another XXXX account. Instead they transfered to my closed account at U.S. Bank. This account was closed XX/XX/2018. Then U.S bank notified me via email that the funds were deposited to my account. How is this if it is closed? We have been going back and forth with XXXX and XXXX XXXX XXXX. No one will help. XXXX says it is the bank. U.S. Bank said if account was closed it would be returned. Still not returned to original account. XXXX XXXX XXXX says wait 15 days then wait 45 days. NOW XXXX XXXX XXXX says they can not help us. Says XXXX fine print says too bad not responsible. The Banks force us to use XXXX. YET THEY DON'T PROTECT US! 
The monies were XX/XX/XXXX Was deposited to U.S. Bank for XXXX XX/XX/XXXX " XXXX XX/XX/XXXX " XXXX One XXXX payment made it to my XX/XX/XXXX account on XX/XX/XXXX These went to U.S Bank because the email was the same on XXXX. We were trying to figure out how to send to XXXX. Several attemps failed. Called XXXX after all this then they tell me I had to delete my account on XXXX and re-enter. No where on its site does it say this. And it is not that easy to find on XXXX XXXX was also unaware of this. 
This does not solve the problem of where is the money??? 
As of right now no one can tell me where the funds went. I was told too bad you used XXXX. HOW CAN THIS BE? Someone has my money. This was somone trying to pay their rent to me. 
I tried calling U.S. Bank and Iget switched to wrong departments.
Consumer complaint received 2023-01-31
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. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2018-10-01
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. (TX)

My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have tried to resolve this problem with Experian several times in the last year. I sent them a letter in XXXX proving my correct address and another letter last week proving my correct address which is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I have been a home owner at this address for 3 years. My FICO score is at XXXX but it should be close to 800. Experian 's poor record keeping has contributed to this mistake. It almost seems like it is intentional misconduct to keep a consumer with an excellent credit history like mine low ...
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/2020 I received a payment of XXXX to my checking account with US BANK, the moment I received my funds they issued an hold on my account for whatever reason they didnt disclose to me. XX/XX/2020 I went to My home branch at XXXX where I was told I have to wait til XX/XX/XXXX to speak with the branch Supervisor to take the hold off my account. Here it is XX/XX/XXXX at XXXX I spoke with the Supervisor who told me they sent my payment of XXXX back & closing my account as well so I would receive a check in the mail of my previous funds within 7 to 10 business days. Here it is XX/XX/2020, 3 WEEKS LATER I called US Bank this morning to see whats the status of my check ... turns no check was ever sent out b/c MY ACCOUNT IS STILL OPENED it was never closed & my account still have the XXXX in it ... meaning US Bank employees LIED TO MY FACE!!!! They didnt close my account nor sent my funds back in which they are still holding my funds & will not release it. This is very unprofessional on a banks behave also such a BIG INCONVENIENCE during this pandemic we all are battling with.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter today ( XX/XX/XXXX ) regarding an amount as delinquent. Out of panic, I called in and paid the amount. Generally, an amount due and a due date is not in question. When calling back to ask an email written the day ( XX/XX/XXXX ) the letter is dated be given regard, the person speaking seemed intent on deliberately causing confusion. In the previous call, made out of panic, the first representative I spoke to transferred the call without telling me, and the second representative transferred the call to a survey without answering my questions. Until an explanation as to how a " new amount '' due XX/XX/XXXX can also be " delinquent '' XX/XX/XXXX, the card is not safe to use. It was explained that statements close the 23rd of each month, and payments are due the 20th of the following month. This process needs to proceed this simply. What caused the amount to become delinquent, and why was it regarded as being due eighteen days after it was paid out of panic?
Consumer complaint received 2023-02-23
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. (SC)

XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX reported a late payment on my credit report! 

In accordance with the Fair Credit Reporting Act XXXX account XXXX and XXXX has violated my rights! 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions!

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been having issues with my Capital One credit card. I had gotten this card some 12 years ago. The last 5 years, they had been charging me an annual fee of {$39.00} a year even though I've never requested this new feature. The problem is I haven't used this credit card in 5 or 6 years. So every year Capital One would charge me the {$39.00} fee. Every year I would dispute this charge stating that I never use this card unless for emergencies. This time, the customer service rep refused to waive the annual fee. He would not explain why. So I asked him to cancel my credit card which he promptly did. 

My problem is if I'm trying to obtain better credit, wouldn't canceling a credit card hurt my credit score? My question is how can credit card companies start charging annual service fees when you never requested it?
Consumer complaint received 2021-04-27
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

TOYOTA MOTOR CREDIT marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is listing this mortgage in the credit card category. It was never a credit card it is and has always been a mortgage. By Experian listing it this way it puts my credit utilization number in the 40 % category. All of the other credit reporting agencies have it listed where it Is supposed to be. The other agencies have my credit utilization at or around 19 %. The debt is not in dispute the listing is. I have reached out to Experian twice to no avail. I contacted the mortgage company and they agree with me and have it reported as a mortgage. For some reason Experian keeps listing it in the credit card category which is drastically affecting my credit utilization and score. The company is XXXX XXXX XXXX ( debt around {$30000.00} ). They are not the problem Experian is ... ... ... PLEASE HELP
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (NY)

I AM STILL HAVING A PROBLEM WITH EXPERIAN BOOST AND OTHER REPORTING ISSUES. I HAVE MADE MY XXXX XXXX PAYMENT TO QUALIFY FOR THE BOOST TO INCREASE WHICH IT HAS INCREASED.. HOWEVER EXPERIAN BOOST AGAIN DID NOT REFLECT MY PAYMENT TO INCREASE MY FICO SCORE AGAIN. I ALSO HAVE SETTLED 1 ACCOUNT IN FULL. XXXX XXXX  FOR XXXX ON XX/XX/20 AND EXPERIAN REFUSES TO UPDTE MY ACCOUNT.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (IL)

we have house mortgage with State bridge company, as recently due to COVID-19 i have lost my Job. I have reached out to the Mortgage company to keep the payments on hold per the recent announcement until the pandemic resolves. But the Mortgage company ( state bridge company ) rejected my request as the investor on my loan is private investor. they have suggested to hold untill couple of payments but not untill the COVID-19 pandmic ends. I would request CFPB help us in resolving this issue.
Consumer complaint received 2018-09-22
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: Informative Research (GA)

I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, XXXX XXXX, and Informative Research are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX  XXXX XXXX. ( Acct # XXXX ) is reporting a charge off on my consumer report, a charge off is cancelled debt. I never received a 1099-C from the creditor from this charge off.

IRS defines a charge off as gross or ordinary income. Income does NOT get reported on a consumer report. 

Please refer to the laws mentioned below : 15 USC 1681s-2 ( a ) ( 1 ) ( a ) 15 USC 1681eb
Consumer complaint received 2020-10-12
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. (OH)

This is account is reporting inaccurate information XXXX XXXX/XXXX  # XXXX on XXXX, XXXX, TransUnion. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On TransUnion  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX   with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Consumer complaint received 2020-10-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SETF/WOFC, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (AZ)

This debit collect from Comenity Bank called me at XXXX Az Time on XXXX. Phone # XXXX. When answering I asked who it is calling and she stated Comenity Bank. I advised it is XXXX which violates fedral law. Once I said the she started to scream over me while explaining the law she violated, she than said we will call back and hung up on me.