davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (TX)

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such Credit Service provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Consumer complaint received 2020-10-21
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. (MS)

I have disputed this item multiple times over the years and thought this was removed.

I recently received a copy of my credit report and found the following item ( s ) to be in error : The status is incorrect for the following account TN CHILD SUPPORT Account Number : 5368 According to Code 623 ( 1 ) ( a ), furnishers of information to consumer reporting agencies are prohibited from providing information with actual knowledge of errors. The reporting dates ARE NOT consistent across bureaus and I have documentation indicating that I have never been delinquent.
Consumer complaint received 2020-10-21
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. (MS)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX USDOE/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 XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX TransUnion hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.
Consumer complaint received 2020-09-01
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. (OK)

XXXX continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Consumer complaint received 2020-10-21
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. (MS)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX USDOE/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 XXXXXXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Someone called and said they were from Bank of America and asked me did I give authorization from my credit card and I said no. I even gave them the proof and it was file on XX/XX/XXXX of XXXX XXXX and when I called Bank of America they say they gave me credit but they didnt. I had XXXX saved in that account. I worked hard that XXXX.I had credit protection. They keep giving me the runaround. I dont no know anywhere to go but I want my money.
Consumer complaint received 2021-08-11
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, my credit card was charged for a sum of {$220.00} from XXXX. After seeing this charge, this was the first time anyone with legitimate access to the credit card XXXX my wife and me ) had ever seen this website. 

I filed a claim in XXXX, and received a confirmation email that an investigation was starting for this charge. I received a new credit card and disposed of my old credit card. 

On XX/XX/XXXX, I received another notification from Chase stating that the case has been closed because I " received benefit from the transaction ''. 

I have not received any sort of benefit from the transaction. I did NOT make a purchase through this website. I had never even seen the website. I did NOT receive any items from this site. I certainly did NOT benefit from this transaction.
Consumer complaint received 2020-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have registered with Transunion and XXXX. Transunion will not display my information on their website so that I can make a dispute. It took forever to find a customer service number but when I did either no one answers or there isn't an option to speak to someone. With XXXX   they have information on my student loan incorrect. When I call the number listed under the one that is reporting negatively each agent has told me that they do not have my loan. I finally hunted down who does has my loan and was told they are not reporting anything negative since my loans are in deferment. The Credit repair company has taken money from me for 3 months and they keep repeating the same thing thats on my credit report. I am frustrated and dom't know where e ; se to turn to get help.
Consumer complaint received 2021-04-26
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. (CA)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (TX)

This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Consumer complaint received 2020-10-21
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: Global Lending Services LLC (AL)

On XX/XX/2020, a sales person contacted me from XXXX XXXX advised that I was able to trade my vehicle in with no down payment with this program that they have because I had my vehicle for over a year and was making good payments. I advised that I was not trying to have my credit pulled was in the purpose of trying to purchase a home. The promise and guarantee me that only XXXX would pull my credit, and that not the case server lenders pulled my credit without my permission.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CO)

Convergent Outsourcing is attempting to collect a debt that I do not believe is my account. I've been a XXXX customer since XXXX, so I have no idea why they think I wasn't paying XXXX in XXXX.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a XXXX XXXX credit card, my ill on the cruise was XXXX, when I got home checked my credit card there was charge from XXXX XXXX company for {$6800.00}, I dusputed with Bank Of America, XXXX send a fake receipt that it was charged on XXXX of XXXX, I got mt last bill after checking out, it clearly say 's final, Bill
Consumer complaint received 2021-05-23
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2020-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.
Consumer complaint received 2020-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

YET AGAIN THESE CREDIT COMPANYS ARE THINKING THEY ARE ABOVE THE LAW AND NOT FOLLOWING THE RULES AND LETTING THE COMPANYS REPORT INFOMATION ON MY CREDIT FILE THAT I NEVER SIGNED OR APPLIED FOR.
Consumer complaint received 2024-02-23
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. (CA)

A monthly payment made in full was issued by us for loan # under check # in the amount of {$1100.00} on XX/XX/2022, and erroneously posted by XXXX XXXX as " Late ''. This error was reported to the credit bureaus causing my business partner and I a XXXX-point drop on each of our respective credit scores. Beginning on XX/XX/2022, we both disputed this egregious oversight by XXXX XXXX through the proper channels, and to date they have failed to remove this negative remark from our credit reports. The payment in question was received by XXXX XXXX ( personal check ) before the due date ( XX/XX/2022 ) and returned to our XXXX XXXX stating they no longer accepted personal checks. Due to the XXXX lockdown and personally being bed ridden with XXXX, my partner and I were physically unable to retrieve our mail from the XXXX XXXX , and thus had no knowledge of the policy change with XXXX XXXX. Our various business holdings, and credit scores reflect a 100 % payment " On Time '' history, with XXXX XXXX tarnishing it with poor accounting and business practices, and their blatant and flat-out refusal to accept responsibility for their actions.
Consumer complaint received 2022-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

During the pandemic, my loans were placed on 0 % interest and in forbearance. However, I continued to make monthly payments and was able to pay off down my loans. 

Last week, I applied to recertify my XXXX plan. Immediately following my application, I was sent a two sentence notice that stated I did not qualify. There was no guidance in what I was qualified for to help with trying to " guess '' what my repayments would now be given that the forbearance is ending and that I had paid down some of my loans during this timeframe. 

I tried to utilize the calculator but it provides ranges of monthly payments. There is no solid answer until the actual loan turns back on for repayment and I'm told here is what you have to pay... so YOU figure it out. 

I've never missed a payment. I didn't vote for XXXX because he promised " forgiveness '' of loans, and I'm not out there promoting the legislatures who are trying to have loans blanketed " forgiven. '' I literally just want to know what my repayment amount will be with an ample amount of time to adjust my finances accordingly on my end. It is unfair to me and the other individuals out there who are trying to repay their loans but can't get a straight answer. I understand " COVID '' and " other factors '' have contributed to the problems were are seeing with loan servicing providers ( and for that, the rest of this nation and world ), but how can you expect a consumer to repay a loan with the click of a switch, without knowing in advance what that prepayment amount will be? How can a loan servicer expect their consumers to balance between mortgage/rent, gas, rising energy costs, rising food costs, and pay down their debt with stagnant wages? 

All I am literally asking for is my repayment amount with some advance notice to readjust my monthly expenses so I know where I have to cut costs to afford the repayment because right now I'm left guessing with a spectrum of what it could cost for repayment.
Consumer complaint received 2020-10-08
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. (NY)

The accounts listed above do not reflect any correct transactions done by me.

My

Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was
successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the
allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (UT)

My username and password has changed somehow so I can't make a payment. I try to reset my username and password but the website is asking for information I don't know or don't have in order to do it. So, I try to call them and I'm put on eternal hold and can't get through to an actual person. Meanwhile, I'm 2 months behind and have absolutely no way of paying my loan payments.
Consumer complaint received 2022-04-05
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. (VA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions