davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
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: Experian Information Solutions Inc. (FL)

These inquires were unauthorized. -XXXX XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY 3 times XXXX XXXX IS REPORTED AS A INQUIRY 3 TIMES XXXX XXXX XXXX XXXX XXXXS REPORTED AS A INQUIRY 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES XXXX XXXX
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (SC)

XXXX XXXX is report inaccurate information to my credit report. 
XXXX reports the DATE OPENED XX/XX/2018 and Experian XXXX XXXX report the DATE OPENED XX/XX/18 Amount : Balance : {$990.00} {$990.00} {$990.00} The HIGH CREDIT and CREDIT LIMIT do not match.

Date of last active do not match.

Date of late payment do not match.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2016-08-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST HORIZON BANK (TN)

On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX is reporting inaccurate information on my credit report and refuses to correct it even when I have sent proof of the fraudulent information. 
As a borrower and current college student I have had a horrible and unfathomed experience with XXXX. I am currently in deferment as I submitted an IDR plan and now because of Covid19. I have between 10-13 accounts with XXXX and they have issued 10 late payments on each account causing my credit score to drop and now I am denied credit and to obtain a vehicle to take my children back and forth to the doctors. One of my children is XXXX and having reliable transportation is a necessity for me but because of all the late payments I can not acquire a car. The late payments XXXX has added to my credit report are fraudulent and they are reporting inaccurate information. Between XXXX there has been so many complaints with XXXX adding late payments to accounts, not properly adding payments and causing borrowers to get in over their head to repay or live a suitable life. All of my XXXX accounts that were part of the XX/XX/XXXX through XX/XX/XXXX late payments show deferment status effective as of " XX/XX/XXXX. '' Also XXXX XX/XX/XXXX. Also, I was enrolled full time before any payment in XXXX became due. Therefore, my credit reports do not currently accurately reflect previous payment statuses with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the six accounts showing a 60-day late payment in XX/XX/XXXX through XX/XX/XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX through XX/XX/XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, CFPB, XXXX, and pursue other legal routes if necessary. I have sent nelent more information showing I was in school and forbearance letters they sent me but they refuse to remove late payments. I am not asking for removal of any accounts but they late payments that they are reporting inaccurately that is damaging my credit report and hindering me from obtaining a stable home and transportation because of false information that XXXX knowingly will not change
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/XXXX to present I have received multiple phone calls from Capital One. They call everyday and leave a generic voicemail. I havent had a capital One card since XX/XX/XXXX which I thought was settled and removed from my report. I have already explained this when I received a letter in the mail.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

on XX/XX/XXXX I initiated a wire transfer from coinbase in the amount of {$520.00}. Reference # I received XXXX. I 've already sent numerous emails to coinbase and just no reply at all I consider this stealing especially when I paid a {$25.00} fee to receive it the next business day.It 's been over a week now and still no sign of my XXXX
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent multiple disputes through the mail and submitted a complaint thru this portal about a month ago and NOTHING HAS CHANGED WITH THE UPDATE EXPERIAN HAS SENT. Experian said they updated the dispute but absolutely nothing got removed, changed, nor updated. Literally stayed the same. I have sent multiple letters, submitted a complaint, If the next step is to take legal action using the FTC acts for reporting INACCURATE INFORMATION ON MY CREDIT REPORT, I WILL! I do not mind spending money and time on this incorrect information. I have kept a paper trail of everything I have sent off with certified mail and a copy of the letters. 

A collection is by default past due, DELETE account for inaccurate reporting. 
Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last activity. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last reported. REMOVE for inaccurate reporting on my file.

Collection is reporting with 2 different dates of last payment. REMOVE for inaccurate reporting on my file. 
If this is the same account being reported by the same source why is this data different? Delete account for inaccurate reporting.
Consumer complaint received 2020-04-10
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. (GA)

There are fraudulent items on my credit report from ID theft. The accounts are XXXX, XXXX XXXX, XXXX XXXX. Ive sent the company official police reports of the debts. The company will not remove the debt. Experian is always saying that the police report they can not read. I have sent the reports over 12 times and they are unblocking the fraudulent items putting it back on my credit report.
Consumer complaint received 2017-08-30
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: Ad Astra Recovery Services Inc (CA)

I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (MI)

XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IA)

I use an app callled   XXXX   XXXX   it 's kinda like a payday loan but you pay what you think is fair and they recommended I report an issue with my bank not sending updates often enough or in timely manners in order for my account to be update. It 's not up to date. It 's alwa ys 4-6 hours behin d
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (VA)

On XX/XX/XXXX I was notified by a collection agency, XXXX XXXX, XXXX, in writing, that I owe XXXX to XXXX XXXX XXXX due to them closing my account. Once I received the notification in the mail on XX/XX/XXXX, I called to make arrangements to pay the debt. I spoke with XXXX XXXX and there was an agreement regarding a settlement amount of {$580.00}. There were 3 payments made and posted to my account in the amount of {$190.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX advising the debt had been resolved for less than the full balance. On XX/XX/XXXX I received an email advising I stilled owed XXXX XXXX XXXX another {$240.00} from another collection agency, The CBE Group. The next day, I wrote to The CBE Group and disputed the validity of the debt. I also called The CBE Group on XX/XX/XXXX and spoke to XXXX and informed him I did not owe the debt any longer because it was settled with XXXX XXXX on XX/XX/XXXX. XXXX began to read the mini - miranda to me on a settled account which violated debt collection practices. After he read the mini - miranda, I requested to speak to a supervisor. I then spoke to XXXX and explained the debt was settled. She again read the mini - miranda and stated XXXX XXXX XXXX still shows the debt is still owed and I will need to contact XXXX XXXX because it was there responsibility to inform XXXX XXXX XXXX of the settlement. I then called XXXX XXXX on the same day and spoke to XXXX who stated the account was reported to XXXX XXXX XXXX as settled and she will be sending the report to XXXX XXXX XXXX again about the status of the account. On XX/XX/XXXX and XX/XX/XXXX I received letters in the mail from The CBE Group again stating I still owe! I am so frustrated with this process. I did my part by making my payments on time to settle the debt and I am still being harassed by XXXX XXXX XXXX and The CBE Group to pay the remaining balance in full.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX # XXXX, XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-01
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. (NY)

I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Consumer complaint received 2017-04-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

I ATTEMPTE D THREE TIMES TO REFINANCE MY MORTGAGE THROUGH J.P. MORGAN CHASE. I   RESEARCHED THE HAMP ( I BELIEVE THAT 'S WHAT THE ABBREVIATION IS ... .THIS WAS IN  XXXX  ). THEY DENIED ME THREE TIMES. THE FIRST TWO ATTEMPTS I WAS TOLD, " YOU DID NOT TURN YOUR PAPERWORK IN T O US I N TIME. '' THE THIRD TIME I SENT ALL  XXXX  PAGES OF DOCUMENTATION IN TO THEM TWO TIMES. THEY CONTINUED TO SAY I DID NOT TURN MY PAPERWORK IN ON TIME. THEREFORE, I HAD TO QUICKLY SELL MY HOUSE. NOW I AM CURRENTLY HOMELESS.  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX , TN  XXXX  OLD ADDRESS WAS :  XXXX   XXXX   XXXX   XXXX , TN  XXXX
Consumer complaint received 2018-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, Capital One Card Services gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (WV)

I DID NOT apply for a Chase Credit card i get a letter saying they need more personal information from me.. they need copies of drivers license or other government ID or passport or marriage/divorce certificate a social security card copies of all utility bills water, electric, gas, sewage, cell phone, internet or cable bills and last 3 copies of paystubs?? Basically my entire life they want me to mail to them?? NOT happening! I did a XXXX search on the phone number lots of people complaining of fraud and the call takers asking for all this info be sent to them? Their hours are only XXXX? seems strange for a large credit card company. I would like this checked out please?!