davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2015 with a balance of {$2200.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2020-11-29
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. (MD)

An account was opened with XXXX XXXX for lease in XX/XX/2020. It was a joint account, and we requested COVID-19 relief that was granted for XXXX and XX/XX/2020. Unfortunately, XXXX XXXX took time to process the relief as they lost in the mail contract agreement and check. Finally, I solved the issue by paying the relief fee on the phone, and XXXX XXXX asked me to continue paying my monthly lease from XX/XX/2020. I paid this amount on time. However, XXXX XXXX reported that I did not pay for XXXX and XXXX, which was reported to all three credit bureau. I submitted this inaccurate reporting complaint to Experian, XXXX, and XXXX XXXX  updated the file to remove the delinquency. However, Experian failed to update and shows that I am delinquent for 30 days in XXXX. This is not true. I am filing a complaint against Experian for not updating the results.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment for XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements, and I will went through XXXX and some medical challenges during this covid-19. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2020 with a balance of {$5700.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

EXPERIAN and XXXX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from EXPERIAN asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it immediately.
Consumer complaint received 2023-01-11
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: BMO Bank, N.A. (TX)

BMO Harris Bank , N.A . bills me for a car I did NOT buy and do NOT own and have NEVER owned, and BMO Harris Bank , N.A . has put this IDENTITY THEFT charge which I do NOT owe into my credit reports at every credit bureau ; BMO Harris Bank , N.A . needs to immediately and permanently stop sending me bills for this account which I do NOT owe, and this bank needs to immediately and permanently remove this false charge from my credit reports at every credit reporting bureau!
Consumer complaint received 2020-07-10
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. (TN)

Transunion, XXXX  and XXXX  are allowing XXXX XXXX to report a Bankruptcy in which the Federal Bankruptcy Court is not reporting. I do not have an account with XXXX XXXX  or a contract. The federal bankruptcy court is not verifying my personal info to XXXX XXXX and it is illegal for a third part to report of verify such information in which they were not a party to. 

The same three credit bureaus is further violating my constitutional rights by allowing XXXX XXXX to report a civil judgment from the XXXX County Tennessee Court that is marked satisfied. I do not have an account with XXXX XXXX and they are reporting a collection of {$4900.00} when the court has marked the judgment satisfied. This is a violation of the Fair Credit Reporting Act. 

The same three credit bureaus is again violating my constitutional rights by allowing the Tennessee Dept. of Human Services to report a civil judgment from the State of Texas. They have been incorrectly reporting and will not allow me a hearing for the negative reporting. State law forbids adverse credit reporting without the opportunity of a hearing. They have removed {$13000.00} from my credit, but should not allowed to report anything that was not entered by the State of Texas. Moreorver, the state law only allows them to report on accounts that are over {$1000.00} past due. I am not past due on an agreed upon judgment in Texas.
Consumer complaint received 2019-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Xtreme Products LLC (FL)

I tired goin to this school for 30 days and witness all types of fraudulent and XXXX  activities going on i.e getting anyone off the street basers bums homeless people just to sign them up and get the funds from the government .... I then moved out of state which was the addition reason I left the school years later I received documentation stating that these people have received over 3,000 + dollars in student loans that I never received or cashed a check for or anyting I've called they've given me XXXX stories for weeks at a time and they're trying to tell me now that is Under New Management so they don't have anything to do with what was going on when I was there
Consumer complaint received 2019-11-11
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. (NJ)

XXXX  Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. XXXX  refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
XXXX  investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate XXXX  for reporting incorrect activity on my credit report. Please provide all documentation that XXXX  received from agency which they think is enough to state that account is mine. Thank you
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MO)

I have 2 fraudulent accounts that are reporting inaccurate/incomplete to my report. Somehow Innovis has verified accurate after the first dispute it does not have an address attached the accounts. XXXX & XXXX Accounts that are erroneous & needs to be deleted as it is a violation of FCRA that all the information must reported as accurate including name, address, phone, number etc. The
Consumer complaint received 2023-01-11
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. (AL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Submitted Three former requests to validate and verify items on a collection account. XXXX and Experian is report all on time pay history with a derogatory account status, dates do not match up. they are reporting incomplete and inaccurate information,
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible, as its a violation of my consumer rights.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MD)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. IM SEEKING A COURTESY ON A LATE PAYMENT DUE TO UNCONTROLLED HARDSHIPS. PURSUANT TO 15 USC 1666B, FAILING TO PROVIDE A STATEMENT 21 DAYS BEFORE THE LATE PAYMENT IS A VIOLATION OF MY CONSUMER RIGHTS.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MN)

I put my home on forbearance over 9 months ago and tried to take it off and they renewed it without my permission. I have tried to resolve it and have called them over 45 times in the past 9 months with no resolve yet. I have been told so many things and so many different answers its unbelievable. I just spoke with them today and was asked all the info again and then was put on hold to escalate the call but before she places me on hold she said it is my fault that things are getting goofed up because I am pushing buttons?? and once again no one came back on the line.I called them on XX/XX/XXXX and was told again that a letter would come saying that the loan amount balance would be placed at the end when I sell the home yet I never received the letter. I was told back in XXXX of 2021 that it would take 4-6 weeks to resolve the issue and I have been trying this whole time calling over and over. It is Flagstaff bank and I am so frustrated I have cried many times. What can I do? I would like other purchasers of homes to be aware of who they are using because this has been a nightmare. I have perfect credit and never had a problem like this.
Consumer complaint received 2019-11-11
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. (NJ)

Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XX/XX/XXXX-XX/XX/XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you
Consumer complaint received 2021-08-16
Product: Checking or savings account — Savings account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2019-08-11
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/2919 a fraudulent application was submitted for a Synchrony-XXXX  XXXX store credit card. I was notified via my fraud protection services and I immediately notified Synchrony and the account was closed and no longer shows as open on my credit report. However, the hard inquiry remains to this day XX/XX/2019. 

Initially when contacting the Synchrony Fraud Team in XX/XX/2019 I was informed they would request removal of the hard inquiry and it would take approximately 45-days. 

On XX/XX/2019 I made a 2nd call to the Synchrony Fraud Team, and I was informed it would be removed in an additional 45-days. 

On XXXX-19 I called again to request request the fraudulent hard Inquiry deletion and was informed it would absolutely be completed by XX/XX/2019 another 45-days. 

On XX/XX/2019 I again called Synchrony and informed by a customer service representative that he would forward my request to the investigator who originally handled my claim and to look for any correspondence in the mail. 

This is unacceptable and damaging to consumers who have been the victims of financial fraud. There should be a time-limit concerning when a report of fraud is received and totally resolved. Fines should be applied.
Consumer complaint received 2019-03-04
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. (NJ)

XXXX XXXX XXXX XXXX XXXX marked me down as being 30 days late with account number XXXX. There is no way that I was late. I think this is exactly what Congresswoman XXXX XXXX was talking about when she said that the credit reporting system is broken.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NC)

Around XX/XX/XXXXXXXX Synchrony Amazon Credit Card debt collection on a $ XXXX {$7.00} purchase was sent to my home. My mother would throw them out until I noticed my credit score drastically decreasing. Upon realizing I had an outstanding balance on the Synchrony Amazon Credit Card ( XX/XX/XXXX ) I paid off the balance which had gone up to $ XXXX {$20.00}. The impact this card had on my credit score was drastic.
Consumer complaint received 2019-11-11
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: EQUIFAX, INC. (NC)

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1. Equifax, # 2. XXXX  & # 3. XXXX  about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX  ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (NV)

'oportun ' is mailing pre-approval letters to nevada residents. the residents are not in fact pre-approved. 'oportun ' is stating verbally, that a loan decision will be made in 15 minutes. this is false. when 15 minutes passes, 'oportun ' states that a decision is made within 24 hours. this is false. when 24 hours pass, 'oportun ' states that a decision will be made in a few days. this is false, when a few days passes, a decision is made in 2 weeks. 

oportun sent me a false denial letter in the mail after 2 weeks. the letter stated that the loan was denied, because they were unable to verify my identity. however, this is false. I verified my identity, including scanning and sending verification of identity documents on Day 1. I then personally reached out on a daily basis, each time verifying my identity with random agents by phone. I uploaded all requested documents. The denial reason was false. 'Oportun ' is using a false denial, for their applicants, while doing hard credit pulls, with no intention of doing an accurate underwriting process.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2019-11-11
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. (FL)

I went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.
Consumer complaint received 2023-01-11
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
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 2019-05-29
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. (AZ)

XXXX;XXXXandTransunionarereportinga30daylatepaymentontheXXXXpartialaccountnumberXXXX.(Pleaseseepages5and6oftheattachedcreditreport.)Ihavehadthisloanforquitesometime.Imakethesepaymentsatdifferenttimesofthemonth,butalwayspriortotheduedate.Ihadspokenwitharepresentativetoscheduledbi-monthlypaymentsorevenbi-weeklypayments,butwastoldthatthistypeofpaymentarrangementcouldnotbescheduled.ThelatepaymentsbeingreportedinXXXXandXXXXwasanoversight.Iwasdealingwithanillnessinmyfamily.IhadcontactedthemortgagecompanyandnotifiedthemthatIwasgoingtobelateonthesepayments.RecentlyIbeganpayingthemortgageonline,howevertherewasanissuewiththeirwebsite.ImadethepaymenthoweveritwaspostedastheXXXXpaymentandreallythisshouldhavebeenpostedastheXXXXpayment.Consequently,theerrorwiththeirwebsitesparkedthelatepayment.Thisincorrectreportingisharmingmycreditscore.Pleaseremovetheselatepaymentsfrommycreditreport.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (FL)

I found accounts in my credit report that I do not recognize. I do not jnow these accounts and I ask you to remove them as soon as possible. I can not have them in my profile before I apply for a mortgage. 

These are those fake accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX