davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

The main 3 bureaus are putting bankruptcy on my credit report. They said, the data furnisher is the US bankruptcy court of XXXX, which is false. I have attached a letter from the US bankruptcy court stating that they don't give out consumer reporting to the third-party bureaus, or to any consumer reporting agency. Nor do they validate or verify consumer information.
Consumer complaint received 2019-06-01
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. (TX)

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 ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; Unknown : XXXX ;
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are inaccurate late payments with XXXX of my account. I have requested to fix it but when I checked my credit reports I can still see the late payments reporting.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (IL)

Consumer Portfolio Services Inc. calls me more than 3 times in a day. Even after payment has been confirmed to be sent and speaking to representative of next following payment. Had caught up with my payments before this pandemic and had days off work because of XXXX XXXX XXXX. Doctor diagnose me with XXXX virus and I did notify this company, but was told they could not make in arrangements or extension for me. Consumer Portfolio Services Inc continued with harassment calls while I was trying to get better. All I could state is my plan was to do overtime as soon as I could get better. This company has called family member share information of my account with her by cellphone and calling her job on a recorded line regarding information regarding my account. Placing another party job in jeopardy that is not the account holder. Family member number is registered with the DNC registry and has asked this company to stop calling her and they continued to call from XXXX and XXXX. This company states that they are documenting the account, but continual to pursue bad practices.
Consumer complaint received 2020-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX i stopped at a XXXX XXXX XXXX for gas. the outside pump said pumps not working see cashier. I went in and cashier asked for my card and i refused. I told them to turn the pump on and then i will come in and pay. They turned pump on and i pumped XXXX dollars and some change in my car. on checking my credit card i noticed another charge put on XX/XX/XXXX for XXXX that i did not purchase anything for. I only got the gas there. I complained to capitol1 and they had me fill out fraud paperwork. when i turned it in they said that it was not fraud and a dispute paperwork was filled out with the help of a person from capitol1. They reviewed and sent back paperwork that stated it lacked all info requested and at this time they say case is closed and they recharged my card for the purchase I did not make. case number XXXX
Consumer complaint received 2019-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I hired an attorney to help me apply for assistance in saving my home. My attorney provided Ocwen with everything they requested on XX/XX/2019. My attorney has been calling Ocwen and they keep telling him that they are working on it and it can take up to 30 days. We are now past the 30 day mark and I have heard nothing. Now when my attorney calls Ocwen their phone number does not allow you to speak with anyone. They say they are having technical difficulties. It has been several days now. My home has a notice of default already recorded and my time is running out. I believe Ocwen is in violation of RESPA Regulation X. They are required to make a decision on my application within 30 days and it has now past that point and they won't even pick up the phone.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is destroying my credit score by reporting my lease as late to Experian, XXXX and XXXX XXXX. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Consumer complaint received 2019-06-01
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. (TX)

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 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX AND XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX  XXXX XXXX XXXX ; XXXX  XXXX XXXX  XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2019-06-01
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. (TN)

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 'S 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.
Consumer complaint received 2019-06-01
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. (TN)

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. 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
Consumer complaint received 2019-06-01
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. (TX)

sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neches
Consumer complaint received 2019-06-01
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: Experian Information Solutions Inc. (MI)

I have been trying over SEVEN MONTHS now to have Experian properly and legally verify items that appear on my credit report. What they have done is contacted the creditors, and the credit reporting agency ( Experian ) and the creditors have 'verified ' among themselves, without providing ME with any supporting documentation ( an 'original ' document bearing my signature ) that they, in fact, are reporting on the correct person.
Consumer complaint received 2021-07-15
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. (CA)

In XXXX of 2021, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.
Consumer complaint received 2019-06-01
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. (TN)

Hi Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX 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.
Consumer complaint received 2019-05-28
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: Transfinancial Companies, Inc (LA)

Transfinancial Companies placed an account on my credit reports in the amount of {$330.00} and after several attempts to get validation of the account the company has failed to provide said information. I would like the account removed promptly from my reports.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit, Inc (FL)

XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.
Consumer complaint received 2020-08-20
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. (CA)

XXXX XXXX is destroying my credit score by reporting my lease as late to XXXX XXXX and Trans union. I made arrangements in XXXX with XXXX to extend the lease the lease terms due to Covid related financial hardships. XXXX assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has XXXX been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted XXXX XXXX customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to XXXX on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.
Consumer complaint received 2019-06-01
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 (TX)

sent the ft violaton and police report with all affvidavit please remove the ftc violation bk lates on credit reports caused by the ftc violation XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Bank of America small business checking account at the end of XXXX. My account is a little over a month old and I've deposited 3 checks so far from the same employer/contracted agency and all 3 of my checks have been put on hold for 12-15 days. I have tried to fix with issue with the bank. It is my first time using Bank of America. I'm a loyal XXXX customer, however, for my business account I decided to give BOA a try. My first check deposit was done on XX/XX/XXXX, and was put on hold until XX/XX/XXXX. Customer service is extremely rude. I've tried going to the bank and asked them to return my check from the ATM machine because I have bills to pay. I was told that the bank will not do that and I would have to call the customer service line and ask them to see if they'll be willing to get my check out of the ATM and mail it to me. Which obviously would've taken longer than the time it would take them to clear it. The bank manager XXXX XXXX at the branch on XXXX XXXX and XXXX, in XXXX XXXX was very rude and told me you're going to have to wait. I asked how long is the account considered a new account. He said he does not know and I'll know once my checks deposit without a hold. Is that even a legit answer? I trusted this bank with my money and they're giving me the runaround. I have regular deposits every 2 weeks of around the same amount. I've threatened to close my account if this continues but they do not care. I deposited another check on XX/XX/XXXX in the amount of {$4800.00}. The bank told me it will not be available until XX/XX/XXXX. I have bills to pay that are all due the first week of the month. This is unfair and very unprofessional. They're doing nothing to address my issue and won't give me a timeline of when my account will be considered " Not New ''.
Consumer complaint received 2022-09-13
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. (IL)

Chase auto finance had a computer error, because i paid the build multiple time at the beginning of summer and the customer service people couldn't fix for serval weeks. so when they did fix it it was the follow month after my next due date. so i never had a chance to pay it because they did have the right amount to pay, they said i owed XXXX some dallors which was false and once they fix it than i owed XXXX, which would have been paid if i knew right amount. 

XXXX XXXX company XX/XX/XXXX inquiry,, never ask them to run my credit its fraud jpmcb bank on XX/XX/XXXX never ask them to run my credit that was fraud XXXX fraud never ask them to run my credit
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent disputes with the company and they received my disputes on XX/XX/2020 as it shows according to certified mail. I was sent a letter back stating items were verified with out paper worl stating verification. I then disputed again on XX/XX/2020 in which they received certified on XX/XX/2020 they responded the same verified but sent no proof of verification.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX these account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

In XX/XX/XXXX I had an XXXX  XXXX that cost {$3900.00}. I accepted the equal pay contract where I was told I would be required to pay {$160.00} a month for 24 months and the XXXX XXXX would pay off with no interest. I have made every payment on this bill and the XXXX XXXX will not off at the end of the promotional period. I called in XX/XX/XXXX and spoke with a representative who stated they identified that the system failed to allocate one of they payments I made to the promotion. I was told that an escalation ticket had been submitted and the error would be corrected in 1 to 2 billing cycles. I followed up in XX/XX/XXXX and was told that it could take up to two billing cycles for the error to be corrected but it would be corrected. I called on XX/XX/XXXX and was again told that there was an error in the allocation and it would be corrected. I called back on XX/XX/XXXX to confirm that the correction was going to be made and was transferred to XXXX operator XXXX who was very rude. She told me that I should have caught the error sooner and that there was nothing that could be done to fix this mistake. I asked her why three other agents and one supervisor told me something different on various dates and she was curt and implied that they were wrong. I am not incurring {$1500.00} interest on this purchase when I have made every payment that has been due on this account as contracted. It is unfair and deceptive to advertise that these equal pay promotions will pay off when a certain amount is paid and then fail to properly allocate payments to ensure that the promotional purchases actually pays off as contracted. My account needs to be corrected to ensure that I am not charged any interest on this promotional purchase because I have paid as agreed.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NC)

There have been multiple times that credit karma has advertised that i was eligible for a new credit card, so while trying to build my credit i would apply only to be denied those cards. They have been very misleading when it comes to applying for new cards.