davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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. (LA)

I was co-signing a car loan for my son and I was being denied and ( even though XXXX  and XXXX  rated my score excellent ). Because of this experience, I enrolled online for Experian to find out score. I called and explained situation to Experian XX/XX/XXXX - and I discovered that Experian has my sister and her accounts linked to my credit reporting which affects my debt ratio and my scores. This is upsetting because I was denied ; plus also I had to pay higher interest to get approved. 
In XXXX I note on the account that these accounts were put into dispute and the message states These Items have been updated ; however, they didn't remove the accounts - they updated on the accounts and the address for XXXX XXXX to my NAME and MY SSN. That is incorrect. THE NAME OF XXXX XXXX XXXX, XXXX XXXX XXXX AND ALL ACCOUNTS ASSOCIATED WITH XXXX WHICH IS HER SSN - NEED TO BE TOTALLY REMOVED FROM MY REPORT. 


XXXX XXXX XXXX Also known as XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX ( MY SISTER ) XXXX XXXX XXXX XXXX XXXX XXXX ( NOT ME ) Generation identifier N/A My reason for contacting today is I have tried for two days to get someone on the phone with Experian and I can not get to a person. 

I am in the market for another car and I don't want this to affect my interest or approval. 


1. My sister XXXX XXXX XXXX is noted on account and her accounts linked to my Experian HOWVER, THEY ARE ( not linked to XXXX  or XXXX  ) - our SSN # 's are only 1 # off. My is XXXX and her is XXXX. 

XXXX XXXX ( MY CORRECT ADDRESS ) XXXX, LA  XXXX XXXX XXXX -- - MY SISTER 'S ADDRESS XXXX, LA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX Employer ( s ) XXXX XXXX XXXX XXXX  Personal statements ( s ) No Statement ( s ) present at this ti 2. These accounts are NOT mine XXXX  {$11000.00} XXXX XXXX  {$33000.00} XXXX XXXX {$130000.00} 3 student loans {$11000.00} XXXX XXXX  {$5100.00} 3. This puts Experian listing my debt ratio at 31 % ; which my debt ratio is only 8 % this is highly affecting my credit score.

4. XXXX has my account past due XXXX and XXXX of XXXX. THIS IS FALSE I had to claim another dispute with CFPB in XX/XX/XXXX to get Rushmore to help me. I paid the amount owed ( of less than XXXX XXXX ) in XX/XX/XXXX with a closing fee of title. XXXX said they never received it, I for TWO MONTHS tracked down FOR THEM. I ended of paying it again to get them off my back while I fought them on me having already paid it XX/XX/XXXX. I paid the fee again ; and after CFPB contacted them, they noticed they DID in fact receive it on time. I would like this updated to note that I was not delinquent or late in paying this. The XXXX/XXXX  30/60 DAY LATE should be removed. XXXX refunded me in XX/XX/XXXX for the double payment I had made. 

You have been so very helpful in the past, and I am hoping this too can be corrected.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report. I feel lied to. What was the point of the payment plans?! If it wasn't for Capital One offering the payment plan, I would have made the payments on time. Seems engineered to get more fees from customers.
Consumer complaint received 2018-09-27
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. (CA)

I repaid in full and closed my auto loan with XXXX XXXX XXXX on XX/XX/2018 ( account number XXXX ). This has not been reported by FICO and my credit score has got impacted due to lack of payment information. I get this message when I do my credit check with XXXX based on Equifax FICO Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

This relates to my prior complaint ( # XXXX XXXX. I received the attached letter from Wells Fargo stating they received an unsigned letter from my son authorizing for me to communicate with the bank on his account. This is false. They received a signed letter, a copy of which is attached. 

Now that that is settled, I want a copy of all XXXX 's bank statement for the year XX/XX/2014 for the account ending in XXXX.
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I received a alert to my experian report that XXXX XXXX flagged my report in a collection pursuit. I immediately sent out a debt verification letter being I had no received anything prior to this. I had also sent a verification request to experian. I never received a call nor letter from the debt reporting agency but experian wrote stating it was verified without showing HOW it was verified. Upon reading the law, I learned FCRA 809 ( a ) requires the debt collector to CONTACT the consumer to rectify the situation prior to hitting credit reports. They are required by law to provide the consumer 30 days to dispute or request verification. This company NEVER did this. The first I knew about this debt was by my credit report alert. Since this date, they had alerted my report for new collection XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 5 times they reported this debt to experian alerting me of a new collection. This is the same collection being reported FIVE times in a month! Furthermore I have XXXX XXXX ( who they claim I owe ) now in MY NAME and never had any issues in obtaining it. I only owe current bill of {$86.00}. I have been in my same home for 6 years now. This company refuses to answer my letter verifying the debt, they continue to report over and over to the credit report which is hurting my scores and experian refuses to answer to how this was verified. Being such, by law, this is to be removed from my report.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Consumer complaint received 2019-08-12
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. (AL)

I received a letter from Equifax year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Consumer complaint received 2019-08-12
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. (AL)

I received a letter from XXXX  year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Consumer complaint received 2017-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

This has been paid for years now. It has showed up on my son 's credit report because we have the same name, Fox Collection is just moving it from one report to another. I want it removed from all three of my credit reports, and for their best interest it better not reappear on my son 's.
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 — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit reporting act this creditor has violated my rights. 
Under 15 U.S code 1681s-2 section 602 states I have the right to privacy. Under 15 U.S. code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Mortgage loan process was difficult to say the least, but the final straw came when we were ready to close on house and Suntrust bank FAILED MULTIPLE TIMES to send money to our lawyers office. Once that was completed, we are now having problems trying to pay down the loan! On XX/XX/2021, we paid a lump sum of {$520000.00} to pay down the loan to {$20000.00} dollars. As of XX/XX/2021, no payment has been processed and on top of that we get a computer generated email that we are late on payment! ( payment due XX/XX/XXXX ). To rely on Teller Coordinator to solve this problem is totally UNACCEPTABLE!
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I received a letter from a Debt collection company ( National Credit Systems Inc. on XX/XX/2019 in the amount of {$390.00} for XXXX XXXX XXXX XXXX XXXX. I am the victim of Identity Theft and have filed a police report which I will be attaching. I have sent a letter disputing these charges on XX/XX/2019 and they sent another collection letter in XX/XX/2019 and responded by sending another letter disputing the charges on XX/XX/2019. I am currently in the process of responding with a third letter with a copy of my police report.
Consumer complaint received 2019-10-04
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: JPMORGAN CHASE & CO. (CT)

I am a XXXX year old Private client of XXXX for over 26 years. I previously put five of my personally own companies accounts through CB in XXXX, CT XXXX. For 26 years I have had a Chase slate Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per Chase suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the Chase card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called Chase cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave Chase a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that JPMCB har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called Chase Automatic Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that Chase would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from Chase about the card. I want the incorrect implication in my credit files removed immediately!
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

My name is XXXX XXXX. I fell behind on my mortgage payments when the father of my XXXX children left us. I was left to pay my mortgage and bills but with just my income alone was unaffordable. When I finally landed a well-paying job, Fay servicing approved me for a modification with trial payments of {$1800.00} but they were also requesting {$58000.00} as a " grace payment '' due 3 weeks before the first trial payment. I simply could not afford such a large payment within 4 weeks. I asked around for loans, but I was turned down because my credit  reflected that I was delinquent on my mortgage, so I asked Fay Servicing if I was eligible for a short sale. Meanwhile I sought out a broker, my home was placed for auction for XX/XX/2018. I was so distraught I filed an emergency Ch.XXXX prose bankruptcy on XX/XX/2018. I had never filed nor had money to pay a lawyer, but I was assured at the time of filing that my bankruptcy forms were correct and accepted and I was given a Notice of Filing Form to send to my debtors. I had it faxed over to Fay Servicing and the foreclosing attorney the next morning. A third party of mine called and confirmed they received my paper work but on XX/XX/2018, I had a notice on my door stating that my home sold and to call the number on the notice! I called, no one answered so I left a voicemail for them to call me back. I called Fay servicing right after to ask what was going on. I was assured by a Mrs. XXXX from the bankruptcy department at Fay Servicing that no foreclosure was held due to the bankruptcy. I asked about the short sale option and was advised by XXXX XXXX at Fay Servicing in order to be reviewed for short sale eligibility, I had to renew my homeowner insurance policy. I went XXXX to take care of it right away and faxed over the insurance policy on XX/XX/2018. On XX/XX/18 I spoke to XXXX  ID # : XXXX confirmed that the insurance policy was received, and he also assured me that my FORECLOSURE WAS SUSPENDED. I faxed over the RMA packet XX/XX/2018 and I called to let Fay Servicing know I sent it. When I called for an update on XX/XX/2018, I was told my house did sell XX/XX/2018 so I called the foreclosing attorney, and it was confirmed that the sale did go through XX/XX/2018! I asked how was it possible if I was protected with the automatic stay due to the bankruptcy and automatic stay generally goes into effect when the case is filed. If you filed a prior bankruptcy case that was pending in the one year period before the present case, the automatic stay will last only 30 days unless you ask the court to extend it. I had NEVER filed before so why did they approve the sale? Now I am being told that I do not qualify for anything anymore. Please help me! To this complaint I have attached all the supporting documents. Thank you for your attention to this matter.
Consumer complaint received 2019-08-12
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: The Outsource Group, Inc (TX)

MEDICREDIT, INC. IS THE COMPANY THAT IS NOT FOLLOWING UP ON CURRENT INFORMATION, NOR ARE THEY EVEN TRING TO HELP ALL THEY WANY IS MONEY ... WELL THIS DEBT BEEN PAID MONTHS AGO YET THEY STILL HAVE IT ON XXXX   REPORT. THEY ARE NOT HELPING IN THE PRONLEM THEY MORE THAN HELPED CREATE
Consumer complaint received 2023-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (IL)

XXXX XXXX  was approved online for a loans for {$4000.00} I never went in to sign anything everything was online now they saying I owe {$5300.00}. They charged outrageous interest and fees
Consumer complaint received 2019-08-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (WA)

The caller said we owe on a Paypal account.

We don't have a paypal account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is XXXX XXXX XXXX XXXX When talking with Paypal, they stated they can not look up anyone 's account to see if what I'm saying is true.
Consumer complaint received 2019-08-12
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. (AL)

I received a letter from XXXX year ago that my ss number was stolen along with thousands of others! Since I have had many credit cards and accounts and a loan opened that is ruined my credit! I think I should get my credit wiped clean because of this
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I payed off the XXXX dollars I had owed to Wells Fargo from a previous account that ended up in fees and later closed but the balance remained and the reason for the fees was due to financial hardship and my daughter needed diapers at the time which led me to overdraft my account. Also on XX/XX/XXXX I attempted to open a new account after paying my debt and Im unable to open and its very frustrating because Im being denied and not a reason why I need a bank account I have my own business and income coming in and no secure bank account to put money in Im very disappointed I was a Wells Fargo customer since XXXX to XXXX and they have always been the bank I talked highly about its disappointing to know they cant help there loyal customers.
Consumer complaint received 2020-10-23
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 applied for a mortgage and was informed that an alleged debt by XXXX XXXX was reporting on my credit report. I disputed it directly with TransUnion and requested debt validation by XXXX on XX/XX/2019 via certified mail. The disputes follow and have been received by TransUnion and XXXX. I have never received debt validation by XXXX nor TransUnion. TransUnion keeps reporting this derogatory account despite me sending TransUnion evidence that XXXX XXXX fails to respond. According to the Fair Credit Reporting Act, TransUnion must report accurate information. If the alleged creditor, XXXX XXXX, can not provide evidence that I owe them money, then how can TransUnion continue to report a derogatory tradeline? I need TransUnion to provide to me evidence of the debt or delete this account from my credit report. It is damaging my credit and I have requested the evidence of the debt directly from XXXX. I am unable to purchase a home with this issue on my credit report.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CO)

Barclaycard Ring refuses to post a {$300.00} payment to credit card. We faxed documentation on XX/XX/19, XX/XX/19. Emailed late XX/XX/XXXX. Called numerous times XX/XX/XXXX twice ( got hung up ), XX/XX/XXXX, XX/XX/2019.
Consumer complaint received 2023-02-14
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. (KS)

This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX