davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2020-04-25
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: SYNCHRONY FINANCIAL (NJ)

30+ days ago I called synchrony bank /paypal fraud department at XXXX to inform them a hard inquiry listed on my XXXX credit report do not belongs to me or was made fraudalent. The agent told me they will notify XXXX to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify XXXX to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I've been disputing with the bureaus, the inaccurate entries that Capital One has been reporting for a year now. They are not reporting accurately, and continue to do so. From my understanding of consumer rights, creditors must report accurately, or remove the account from the credit bureaus. 

According to my credit reports, Capital One is reporting different last day active, and different last day of payment across all bureaus, and all the dates are wrong according to my records. They are not reporting high limit on one of the bureaus, and no credit limit on a different bureau. In addition, they are reporting different comments across all bureaus. Additionally, they reporting different dates the account was opened, and they are reporting a past due amount on a charge off that was sold to a collection agency. 

After disputing with the bureaus, In accordance to article 623, I decided to send a dispute letter directly to Capital One to provide me proof of the inaccurate entries they claim to the bureaus as verified. As of today I have not gotten a response.
Consumer complaint received 2020-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Made several attempts to have the company verify and contest to contract regarding unknown delinquency on the credit file. XXXX XXXX XXXX are being non-complaint of FCRA Guidelines.
Consumer complaint received 2021-05-01
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. (IL)

I have disputed an inaccurate account with Experian a number of times. I have disputed it with the other 2 bureaus and the item was deleted. Not from Experian however. This last time I mailed in my dispute and they received it around XX/XX/XXXX. It is only XX/XX/XXXX and yet they are saying the item remains. The dispute is regarding a car that was paid off with insurance. I have asked Experian to send me proof of validity to no avail. How did they investigate after only 10 days. This is causing me to not be able to purchase a home. I am desperately trying to get them to correct this discrepancy NOW!
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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
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: EQUIFAX, INC. (GA)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2020-04-25
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. (FL)

( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was a Consumer Affairs Director for a large newspaper and a medium-sized food company for a number of years and I studied Consumer Finance in college. So I know the value of keeping a high FICO score. Ours has hovered around 835 for the past 50 years, but recently dropped to XXXX because of these problems. I think that recently hackers have targeted people with high credit scores, and so we have had numerous fraudulent charges on our Capital One business account. Someone tried to purchase a car on it and during XXXX and XXXX, there were several high amount fraudulent charges that we did not make. There was one small charge that was legitimately ours, and I paid it during the fraud investigation. There was confusion about the charge because the vendor charged us a discounted amount than what we ordered. I have written and phoned numerous times to try and resolve these issues with Capital One, The Cap One Rep said that I would not have to pay late fees, but Cap one continues to charge us late fees and interest on top of late fees and interest. We have not used the card for other purchases and have canceled the account. The charges are over {$400.00} now and we do not intend to pay these non-legitimate fees.
Consumer complaint received 2020-12-09
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. (MN)

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX, XX/XX/2020.
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

XXXX XXXXNMLS ID # XXXX who represents Amerisave Mortgage assured me before collecting my {$500.00} that my loan was guaranteed and there would be no problem. After months of the run around I received a decline notice. No explanation, nothing, just took my {$500.00} and stopped communicating with me.
Consumer complaint received 2022-11-06
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. (PA)

I am a Consumer that is protected by the laws of the FDCPA & FCRA attached you will find several Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX XXXX  back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account mjelliot.com to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (LA)

Navient is my student loan servicer. I find their notices about payments opaque and misleading. They seem to send payment reminders unreliably, having seemingly skipped one for me in XX/XX/XXXX. Furthermore, their reminders are misleading and confusing. For example, on XX/XX/2017 I received a notice that my " payment was due. '' The email contained no further information than that. But, that same day, I also received my " monthly statement '' that stated an amount and a " Due date '' of XX/XX/<YYYY> You could see how this is confusing. I feel like I am being assessed late fees, and that by making keeping track of my loans difficult they pushing their customers, hard, towards autopay. It 'd be trivial to add basic information such as the amount and the due date to their " payment reminders, '' virtually every other company I interact with does. I am writing you now after having contacted them to see if there was any way I could improve the reminders I was receiving. Yet, there was not. Given the choice, I would switch to another loan provider, but that is not an option available to consumers in this market.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX. 
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX. 
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain. 
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?
Consumer complaint received 2021-08-12
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-12-04
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: ENCORE CAPITAL GROUP INC. (FL)

On XXXX XXXX, 2020, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-03
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)

I have 2 accounts that were purchased by a collection company and they, opened the REAged the debt. The collection agency has re-ors date of first delinquency. Experian has not removed off my credit report even after I disputed. 
1 ) XXXX XXXX XXXX  Account Number XXXX Reported I Opened XX/XX/XXXX INCORRECT DATE I opened in XXXX. Collection amt {$450.00} also this co. 
2 ). XXXX XXXX, XXXX Acct XXXX reported I opened XX/XX/XXXX NOT TRUE. XXXX WAS opened in XXXX. 
Please have them remove this. These accounts were NEVER OPENED IN XXXX
Consumer complaint received 2019-05-15
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. ()

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

I had filed an earlier complaint regarding the safety deposit box at Wells Fargo. I reported receiving a bill for this box and told the bank that I will not be going through probate for these papers since my husband is deceased. I have a trust and all the necessary documentation that entitles me to this box. The bank is unyielding. Now the bank has sent my deceased husband an overdue letter for this box fees. The money is not the issue. It seems illegal to continue to harass me because they refuse me access to the box. I am already in mourning and this bank has done nothing to help me. I have spent money on a lawyer to understand my rights and this letter has again added salt to the open wound. This bank had better not hurt my deceased husband 's credit rating or damage his reputation in any way. It seems illegal that they continue to harass me even though they know he is deceased. If they would just let me close it, I would have no problem paying the fee but they will not so I will not. There are only papers in there all of which have been replaced. 

The bureaucratic responses are XXXX. PA does allow people to access boxes with the documentation I have provided to them. This is just the bank treating customers as nothing more than a number and harassing me
Consumer complaint received 2021-05-01
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. (DE)

Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with XXXX who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from progressive saying its a total loss and is being paid off. Neither XXXX  or XXXX will help me in anyway. My next step is to take legal action
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had previously submitted a complaint against Transunion regarding some unauthorized inquiries that I had been disputing back and forth with their company. Transunion is still reporting unauthorized inquiries and refuse to help me correct the issue. This has been an ongoing issue since for several months. I have had a fraud alert on my credit report to help monitor it. The following unauthorized inquiries being reported are : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX only have XXXX inquiries that should be reporting on my Transunion. By continuing to report these unauthorized inquiries Transunion is violating the FCRA. As a consumer I am aware of my rights according to the FCRA. The only outcome is for Transunion to immediately remove these unauthorized inquiries and send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank Delaware says I opened a credit card with them on XX/XX/XXXX which I never opened. Records on my credit report show the card was never used so it was a XXXX balance every month until XX/XX/XXXX when a charged or fee showed up at {$89.00} dollars with a {$27.00} payment which I never paid??? This shows some payments which I never made then in XX/XX/XXXX it shows a XXXX balance. This is FRAUD