davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: MoneyLion Inc. (FL)

This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XX/XX/2023 {$910.00}
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for an American Express card on XX/XX/XXXX, XXXX nitially, they requested additional documents and as I tried to send them the documents, the system would not allow me the do so. I called on XXXX XXXX and was told I needed something else form ( XXXX ). They also told me I needed a letter from my bank to verify my address. I called and they said my application was denied and never allowed me to send in supporting documentation. I have been discriminated against alright the rep told me my score was XXXX which met the standards.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

On XXXX XXXX, 2021, and XXXX XXXX, 2023, I wrote to tell CREDIT COLLECTION SVCS to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

CREDIT COLLECTION SVCS Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( XXXX  days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my XXXX  loan status updated. I referenced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  v. XXXX XXXX XXXX XXXX., XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies. 

Under The XXXX XXXX XXXX I have XXXX  accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, XXXX and Experian multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other XXXXt loan accounts previously paid.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (MI)

I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, Chase keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and Chase will not give me my thousands of dollars back
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MD)

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by XXXX XXXX, XXXX XXXX its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX XXXX XXXX XXXX submitted alegal order debit to XXXX XXXX bank where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Consumer complaint received 2018-10-19
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. (UT)

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-06-06
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. (FL)

XX/XX/21 certified receipt # XXXX and never received a reponse I sent the letter with my identification because equifax always lies and sends theres no record for me if they cant validate the account I feel they should adhere to the rule of fcra which is deletion of account
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (CT)

Home Depot Credit Services, XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX Commercial Payment Stub Request for Charged Off Account I am requesting a last statement printout to be mailed to me in order to pay off the total remaining balance on my charged off HD Commercial Account # XXXX XXXX XXXX XXXX. 

I have multiple times attempted to pay off my balance over the phone or through online retailservicescommercial.citi.com ; no one is able to tell me how to pay off what I owe because my account has been charged off they told me. When I had very little money coming in during COVID crisis, Citi bank guys called every week to squeeze out of me any dollar bills I had ; and I paid whatever I could! Now that I got paid by others and business is picking up slowly and have the means to pay you back ; you locked me out of the account and charged me off! I could pay over the phone by giving you a debit card just as I did when I couldnt afford to pay ; but this option is no longer available ; and my online account which I could pay is also blocked. In addition, no bills, no statements and no more letter are coming in or phone calls ; I wish you would call once more so I can pay off my debt. All what I need is a statement with the amount I owe you and I can pay right away ; all the fees up to XXXX XXXXand everything I owe you. So simple. I sent two letters to Home Depot Credit Card services asking for a statement to be mailed and no response. 

Please send me a statement with the total outstanding balance of my Home Depot Commercial account # XXXX XXXX XXXX XXXX of what I owe you.
Consumer complaint received 2018-02-16
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. (TX)

Experian is the only reporting agency that has not corrected the erroneous information. I have never lived at XXXX XXXX XXXX XXXX, Texas XXXX. They need to run DMV records to confirm. Experian claims XXXX and XXXX XXXX XXXX XXXX is reporting this as my address and it is not correct. XXXX and XXXX has investigated and found that I am correct and the address has never been a place of residence for me. experian needs to do the same and remove this info from my personal info. It is against the FCRA to report inaccurate info.
Consumer complaint received 2021-11-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with transunion and XXXX.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (GA)

When I initially open this account my due date was on the XX/XX/XXXX of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX of each month in XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
Consumer complaint received 2023-02-02
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 disputed all of these issues directly with Equifax regarding all inaccurate information. Ranging from wrong names, wrong addresses, wrong identity, etc. I provided proof of my identity to the bureau as they requested. No actions taken by the companies as of yet All addresses are wrong with the exception of the updated address. 

This is a different XXXX XXXX. I have never received service from this place. Verify and validate and remove immediately, please. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX {$4300.00} Date assigned XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original amount owed {$75.00} Original creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-05-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under experian my payment status shows a collection/ charge off but under XXXX  it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Re : Dispute Account number : XXXX To Whom It May Concern : I am writing regarding Credit Card Account XXXX ( now closed due to stolen credit card on XX/XX/XXXX ). The new Credit Card Account # XXXX. 

I have submitted several claims to Wellsfargo since XX/XX/XXXX for fraudulent/unauthorized use of my credit card account ending in XXXX and received letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating We have completed our research and found the disputed charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed. 

As I have previously stated, my credit card was stolen, along with other personal belongings when my vehicle was stolen from my driveway on XX/XX/XXXX. Despite my error and honest mistake in delaying the report of this, as I believed at the time that I had submitted a claim indicating my credit card was stolen, I have shown clear evidence via ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report from XX/XX/XXXX and ( XXXX ) Video footage of the incident that occurred on this date. The XXXX XXXX letters stating the transactions from XX/XX/XXXX XX/XX/XXXX appear to be authorized by you is clearly a false assumption. 

Additionally, XXXX XXXX reportedly offers XXXX XXXX XXXX to monitor and detect unusual activity on customer accounts. The pattern of purchases made on the credit card account after XX/XX/XXXX is undoubtedly a deviation from my usual spending pattern and therefore should have been flagged immediately as possible fraudulent purchases. 

I am really need your help to investigate these charges. It looks like XXXX did not do any investigation and assumed all these charges authorized by me. Please help me to review the documents I submitted to you and requesting XXXX to remove that all charges made on Credit Card Account ending in XXXX since XX/XX/XXXX along with any Finance Charges accrued during this time period due to non-payment of the charges that were unauthorized.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (ME)

I hired a company called XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The website and phone number for the company soon became inactive and there was no way to request services. They then provided a fraudulent bill for services they could not and did provide because they did not exist to a debt collector called ARM Solutions Inc, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, CA XXXX. The phone number for ARM solutions is XXXX. I should not be expected to pay for services not rendered from a company that does not exist. This is not correct billing.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Currently I am in the midst of pursing several complaints against New Rez/Shellpoint for multiple wrongdoings. However, just yesterday, I encountered another issue with this untrustworthy institution. The latest occurrence has to do with Shellpoint falsely sending me an approval for a Forbearance Plan that I have never requested ( see attached " Shellpoint '' doc ) and will not accept. This is tremendously concerning and I want something to be done about Shellpoint immediately. Forbearance is for people who are struggling to make payments and/or are behind on their payments which is not the case in my situation at all. As per the attached document from Shellpoint, this is not the case for me now or ever. I am current through XX/XX/2020 and I have never missed a payment, nor have I ever applied for Forbearance at New Rez/Shellpoint ( see attached " Shellpoint_Current Status '' ). While I have read material on their website regarding Forbearance when making my monthly payments because its prompted when you log in, I have not applied, nor do I intend to. Therefore, the attached letter I received yesterday appears to be another gimmick by Shellpoint and part of an ongoing scheme to defraud customers. My concern is that they can somehow report this to the credit bureau which can be harmful to my credit ratings and I will be forced to pursuit legal action against New Rez/Shellpoint. For the record, I want my name removed from any program associated with any type of Forbearance at New Rez/Shellpoint as I will not accept any such offer. I am hereby requesting that Shellpoint send me a written statement indicating that the letter sent to me was sent in error and that I am not in any such plan, and that they will not submit any information to the credit bureaus saying that I am in a Forbearance Agreement. Again, I am imploring the proper authorities to please do something about this company. 

cc : NJ Consumer Affairs Attorney General Office of NJ Department of Banking & Insurance of NJ
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (ID)

A home loan refinance was initiated through XXXX XXXX. They submitted the payoff amount to Loancare LLC on XX/XX/2022. Loancare policy is that late payments are not reported to credit bureaus unless payments are made outside of the month that the payment is due. After the payoff was completed, Loancare reported the mortgage as paid off and 1 month deliquent. We are requesting that Loancare remove the late payment report to the credit bureaus.
Consumer complaint received 2019-10-29
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: First Data Corporation (NJ)

I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you