davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Consumer complaint received 2024-02-03
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. (FL)

I realized that this account was opened as a result of an Identity Theft in XXXX of XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX of XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY XXXX} IMMEDIATELY!!! THEY STILL CONTINUE TO LIE ABOUT EVERYTHING AND DISHONOR MY REQUESTS REGARDLESS OF WHAT DOCUMENTATION I SEND!!! I AM SICK THEIR FAKE APOLOGIES PRETENDING TO CARE WHEN THEY DO NOT!!!! I HAVE NOT BEEN ABLE TO WORK A FULL-TIME JOB DUE TO THIS STRESSFUL SITUATION AND I HAVE NO FAMILY OR ANYONE TO HELP ME!!! 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 I HAVE LIVING ON THE STREETS, MOTELS WITH VOUCHERS AND SHELTERS UPON AVAILABILITY!!!! DESPITE MY LIMITATIONS, I WANT TO LIVE A NORMAL LIFE AND NOT BE ON XXXX XXXX, HAVE DECENT CREDIT, A HOME, A JOB AND A FAMILY!!!
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2024-02-04
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. (WA)

I have contacted Experian multiple times about an account not being reported correctly. I have given them documents from another credit bureau that has confirmed with their investigation to update my information correctly. Experian has refused to confirm their investigation information with me and they refuse to accept my documents to correct my information about my account. 

Experian Dispute number : XXXX
Consumer complaint received 2021-05-26
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)

I have sent several letters to Transunion Llc requesting an investigation on the items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter sent and received XX/XX/XXXX in which at this time I gave them 15 days to respond to this inaccurate investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just once again sent me my credit report with the erroneous fraudulent items and no methods used on investigation. Therefore ignoring my request and violating my rights.
Consumer complaint received 2019-08-20
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)

XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My business closed in 2017. XXXX Bank and I were negotiating payments, the amounts were charged off. Three years later XXXX Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. XXXX is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX XXXX I am currently trying to dispute transactions that were not made be me With Bank of America for XXXX that was stolen off my card I am looking to make a police report and get that information I need to make these disputes so I can Recieve my funds back I have been trying to open them back up over and over I was requested to report to start another investigaton I took {$600.00} off my card the rest was stolen I stayed on the phone with an operator while I got the {$600.00} off I was to revive another card Im the mail cause the funds were deposited on an old card With the Remainding Balance cars card the next following week the XXXX was gone off it and didnt spend not a dime of it XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX my contact information
Consumer complaint received 2022-11-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # Starting in XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-17
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. (NV)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHT UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHT NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS KISTED BELOW BE REMOVE BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRIITEN PERMISSION TO FURNISH THESE ACCOUNTS. 

ACCOUNTS : XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (TX)

I noticed several collection accounts on my credit from Amcol Collection agency.I requested validation of the debt from them, because I have insurance and paid my part. my insurance sent me a copy of the claims showing the debt to be paid. This agency ignores my requests for validation and proof that the accounts are erroneous and are paid. They continue to report this inaccurate information on my credit
Consumer complaint received 2020-10-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-10-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Consumer Portfolio Services, Inc. (MD)

My name is XXXX XXXX I use to have a loan through Consumer Portfolio Services with a ridiculously high interest rate of 24 % I had a car which they been got back in XXXX it's almost 5 years later. I use to get calls from them 4-5 a day on my Federal Government phone at work up until XX/XX/XXXX when I left the agency. They use to threatened to have me arrested, come to my job and more. I always madevthem aware that they were calling a place of business a Government agency at that and what they were doing was harassing me. 

They started finding family members telephone numbers calling them telling them my debt information and that I was going to jail. Most changed their numbers to avoid the harrassing calls it was terrible. I had to constantly apologize to them for the company behavior. 

I was then living in a different place at the time XXXX XXXX XXXX is what they had on file. I moved from that residence and I had made them aware of it back in XX/XX/XXXX, when I voluntarily called them to attempt to settle the debt of {$5400.00} they were NOT willing to work with me knowing I wasn't gainfully employed. They asked me to submit to them all my monthly expenses and I supplied it all. 

As stated I contacted them at the time they had no way to reach me my home address had changed couldn't receive any mail from them or receive calls my work number was no longer active as of XX/XX/XXXX and my cell number was different. I had also made them aware of my new address which they obviously never documented because as you will see from the payment plan offer letter it has my old address on it, therefore I had no knowledge of anything. 

I was not aware of not judgment against me of any sort until XX/XX/XXXX. When I read the Payment Plan letter their attorney emailed to me which I requested trying to settle the debt. 
I was baffled that it was a legal case filed against me. I then typed in the case number online Maryland Case Search to see ifbit was real. ( It was really a case ) I had tried to settle the debt again in XXXX of XXXX when I was paying off many other debts with the help of a friend. Consumer Portfolio were willing to comply with any figures I offered said NO. 

Again to no avail... I reached out to them again this month XX/XX/XXXX and surprisingly they made a temporary payment option that is extremely ridiculous 24 % they are attempting to apply same high interest rate that was attached to the loan. Interest accrued {$390000.00} total I'll be paying them {$9900.00}. Simply use heard of they are trying to take advantage of me. That is more than the ble book value of a car they've been had possession of and SOLD. When I secure a job I'll pay that debt off in full the {$5400.00} before I sign documents binding myself to more debt. I have attached emails supporting all that I've stated in my complaint.
Consumer complaint received 2021-02-13
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: JPMORGAN CHASE & CO. (OR)

XXXX XXXX : XX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX XXXX for XXXX XXXX for XXXX XXXX XXXX and chase Banking have been charging my credit card for {$66.00} on a XXXX XXXX purchase I never made. I have contacted both companies over the course of 4 months each time being assured the charges will be dropped and yet whenever I call chase to see why the charge still appears they tell me because I made the purchase despite the fact that I have been disputing this charge for four months!
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Quicken Loans Inc. is my current mortgage service provider - mortgage is owned by XXXX XXXX.Quicken Loans notified me by email on XX/XX/2019 about change in service provider to XXXX, XXXX effective XX/XX/2019. There was no online documentation on the portal indicating the change in service provider. The online portal still shows a payment due to them XXXX XXXX - this is just wrong! I have not yet received anything in regular mail regarding this from Quicken Loans. In my call with their service representative today XX/XX/2019, they said they have mailed a document which I should be receiving today (apparently through pre-sorted first class mail without any postmark). Notification by email exactly 15 days before effective date of change in service provider is not good practice - no phone call, no online portal document. What happens if they send the notification by second class mail and it takes 10 days to get to me? In the age of so  much junk and spam email, I do not even know if this email is kosher or not or just another spam email. My email provider (XXXX) could just have thrown this in Junk or Spam folder which does not ensure that I would have viewed it.The new service provider, XXXX, XXXX, notified me by email today XX/XX/2019 about the service change. This is not compliant to the CFPB mandate. Again, it was through email and not regular mail. Does CFPB mandate of minimum 15 days notice on change of mortgage service provider allow notification by email? Who is to blame if the next monthly mortgage payment does not make it to the new service provided?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts