davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The following inquiries made by XXXX XXXX XXXX are fraudulent, duplicated twice per inquiry having a hugely negative impact on my score. The amount of inquires in the period of time they were made show an obvious financial fraud/scam. 
They were made without my consent or knowledge, resulting from XXXX XXXX breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  The following inquires made by XXXX XXXX XXXX XXXX fraudulent, and duplicated on my report as well. They were made without my consent or knowledge, resulting from XXXX XXXX breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries made by XXXX are fraudulent and duplicated on my report. They were made without my consent or knowledge, resulting from XXXX data breach. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (AZ)

I have an inquiry on my consumer report that should not be there " XXXX XXXX XXXX XXXX XX/XX/2022 '', it has been on my consumer report for about a month now.
Consumer complaint received 2019-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: JPMORGAN CHASE & CO. (IL)

My name is XXXX XXXX and my mother XXXX XXXX cosigned for a private student loan. We were due to family deaths/hardship were unable to make payments and the loan was sent to XXXX  debt collectors. They started debited my mothers account monthly by default. We have been paying for over 2 years, they dont provide us information on the interest amount vs principal. We have asked he repeatedly and I am unable to claim the interest we have paid. I have paid my mother every month and I have proof of this. They are not helpful at all and said there is nothing they can do. We are in Illinois.
Consumer complaint received 2022-04-30
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: Financial Management Solutions, LLC (NJ)

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX  that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.
Consumer complaint received 2024-02-05
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. (IL)

Under 605B, this account must be removed ASAP. I'm really mad that it's showing up on my credit record when it's not even my account. Its presence has upset me, and I feel sick because of this situation. Please remove it as soon as possible.
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I contacted debt collection agency to settle the debt, they refused to take my call said they only do it through email. i emailed the company and they did not respond. I repeat called asking to have this resolved and handled. They were rude and refused to speak with me hung up on me. They have hung up on me and refused to speak to me civilly to handle debt. they have blocked my number and refuse to speak with me to allow me to pay off debt. the man I was told was the only one who could handle my account cut me off from speaking several times and hung up on me. I have never heard of a company that refuses to let you pay it to have it taken care of. I understand that companies do not have to take a settlement however, they should allow me to be able to pay the balance to begin with
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LoanCare failed to pay our XXXX Property Taxes, which caused late payment penalties. 
There were many attempts to have LoanCare pay our property taxes including the late payment penalties fees ( as we had an Escrow Account ) between XXXX and XX/XX/XXXX, including notices of Servicing Errors and a complaint to the CFPB submitted on XX/XX/XXXX ( XXXX-XXXX ). 
On XX/XX/XXXX, since no payment has been made, we ended up paying the XXXX property taxes, including late payment penalties fees ( which built up to the amount of {$720.00} ) from personnal bank account. 
It turned out that following succesful outcome of our complaints to CFPB and our other attempts, LoanCare finally agreed to and proceeded to paid for our XXXX Property Taxes + late payment penalties - twice - on XX/XX/XXXX and XX/XX/XXXX. 
We submitted a property tax + late penalties refund to the XXXX County Tax Office, but our request was denied since XXXX County already refunded to LoanCare their two payments ( Property Tax = {$4400.00} and Late Payment Penalty = {$720.00} ) - see attached letter from XXXX County Tax Office. 
In XX/XX/XXXX, we sent another Notice of Servicing Error to LoanCare to get reimbursement of the late Payment Penalty that LoanCare formally agreed to pay in their response to our complaint to the CFPB - see attached - explaining clearly that LoanCare took care of the late payment penalties, BUT got them refunded afterwards. 
LoanCare answer to our Notice of Servicing Error dated XX/XX/XXXX is attached. 
It is not providing satisactory explanation or response as it states that there is no more late penalties outstanding on our Account, because LoanCare took care of them. This is not correct as LoanCare got refunded for these two payments ( as stated in the letter from XXXX County Tax Office ). 
Therefore, technically, we paid the late payment penalties that are LoanCare 's responsiblity. 
We are requesting immediate reimbursement of these late payment penalties ( by check - since we have paid off this mortgage in the meantime! ). 
Thank you!
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was denied employment around XX/XX/XXXX due to my credit score and delinquent student loan accounts. So I pulled my credit and found that XXXX had placed several student loans on my credit report. 

I currently have three student loans reporting that I owe navient {$8500.00} and after interest I owe {$11000.00}. 

On XX/XX/XXXX I sent out disputes to XXXX, Equifax and XXXX  indicating XXXX is reporting 3 separate accounts with the same exact dollar amount. All 3 Credit bureaus sent back accounts have been verified. 

I havent received a Debt verification indicating I owe {$11000.00} times 3 to XXXX. 

All three credit bureaus are reporting the following debt owed to XXXX  XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current XX/XX/XXXX Balance {$11000.00} current
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NC)

I signed up for an Experian account to attempt to unfreeze my previously frozen credit with them. I signed up on XX/XX/2021. 

I never signed up to receive email communication from Experian. I received a marketing email from them on XX/XX/2021. There was no " unsubscribe '' link in the email, because the email claimed it was " important information about my account. '' It was not important information -- they were just marketing more services to me. I replied and asked to be unsubscribed. An automated reply said I was unsubscribed from further emails. 

I've now received two more marketing emails from them, and neither had unsubscribe links. They all claim to be " important information '' but they are just marketing additional services to me. These were received on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Due to circumstances surrounding Hurricane Matthew in XX/XX/XXXX, I missed mortgage payments for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I requested the paperwork for a loan modification, received it and put it aside while I was dealing with insurance difficulties with Bank of America ( including that BoA had never removed the previous Bank 's name from the Mortgage when BoA had purchased said bank and the bank no longer existed. ) Automatic mortgage payments were then made XX/XX/XXXX - XX/XX/XXXX, then beginning with the XX/XX/XXXX automatic payment, BoA began rejecting the automatic payments. I have no record of being notified about this and did not notice the payments had been rejected until XX/XX/XXXX. It is obviously my fault that it got to this point, however, at this point I received notice of foreclosure with the auction date of XX/XX/XXXX. Instead of calling a lawyer, I called BoA to ask if it was too late to file the loan modification papers and was told by BoA that I could. I filed these papers on XX/XX/XXXX electronically and spent the week calling BoA to follow up on the process. The foreclosure process was already underway at this point. BoA was talking to me until 30 minutes before the auction on Tuesday, XX/XX/XXXX and telling me they were working on the request. XXXX XXXX, Dedicated Customer Relationship Manager, was my contact. The house sold at auction while I thought BoA was helping me. Then on XX/XX/XXXX, I began receiving notifications in the mail that my case was received and being opened.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

Hi I opened a Apple Card with Goldman Sachs around XX/XX/2021 I then made a purchase for approximately {$1100.00} and they gave me XXXX XXXX as a reward I then returned the purchase and they didnt retrieve the XXXX XXXX but instead charged my account but its not visible on my balance and now they are claiming Im past due 30 days on the {$11.00} and reported it to the credit bureau. When I call XXXX XXXX they say they will investigate but nothing has been done and my credit score dropped almost XXXX points iv not been late on any payments in the last 5 years on all of my accounts and this is really setting me back
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

XXXX Sent my account to XXXX XXXX XXXX XXXX on XX/XX/XXXX and put it in disputed status and suspended collection Activity XX/XX/XXXX. 

I have sent them a registered letter to dissolve the issue as time after time going back to XX/XX/XXXX and current in XX/XX/XXXX of this year to dissolve the issue. When I switch my account to XXXX it took XXXX over 3 months to get the bill pay off to XXXX as well as they sent it to collections before sending the finale bill to XXXX. XXXX kept sending the bills to XXXX. They had lost the equipment that I return in the store I was told it was sent to the wrong distribution place for returns by XXXX and they had charge me for equipment that was return that took XXXX 2 months to get straight of the return equipment to the store. XXXX has told me in XX/XX/XXXX and XX/XX/XXXX they was working on resolving the issue and never did. XXXX received US Registerd mail about the issue and never to this day resolve the issue. They kept sending me to different departments and they never call back or tried to fix the issues. XXXX can verify the issue to how long it took them to send all the bills. Then they credit back over {$1500.00} to my account once the equipment was entered to there system as return in the store. It was nothing but one big mess after another. Now the account was sent back to the debt collection company XXXX XXXX XXXX XXXX and now it is in disputed status and suspended collection Activity on XX/XX/XXXX by XXXX XXXX XXXX.
Consumer complaint received 2021-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOT A DUPLICATE last complaint had spelling errors Im Disputing the original loan amount - TRANSUNION report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account XXXX report its {$7900.00} XXXX XXXX report {$8800.00}
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One officially told me today that they lied to me and it will not be 7-10 days to process my application for the Walmart card. They are now saying it will be an additional 10 days, which would put it at 22 days to process. The Capital One/Walmart partnership has been a disaster that has led to customers being trampled on. Nobody will provide an outcome for me, I've been lied to about a time frame, the customer service representatives are incompetent and the company is completely unaccountable. First they say 7-10 days, now they are saying 22 days, it is all just lies. Capital One must process applications appropriately or have their ability to issue credit revoked.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have {$170.00} in my Venmo account ( service owned by PayPal ) since XXXX, but Venmo is preventing me to use my own money. 

I can't transfer the balance to my bank account, neither to other Venmo users. 

I already asked for help with Venmo support, but emails took days to get answers and no solution was provided, only walkarounds that don't solve. 

Support asked me to register my bank in XXXX, I have tried both options without success. 

In the " Instant Verification '' option, my bank ( XXXX XXXX  XXXX, XXXX  ) isn't in their database, so the system doesn't allow me to finish the setup to make the transfer. 

In the " Manual Verification '' option, after input all data, Venmo doesn't go ahead to finish the process. 

It's kinda bug because my husband has the same bank registered in his Venmo. 

I also have tried to transfer the balance to my husband 's Venmo account, but the XXXX always asks to register my bank account prior to allowing me to transfer, even with the balance available.