davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.
Consumer complaint received 2017-09-20
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. (AR)

I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (DE)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2019-08-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Early in the year I refinanced my home. I was advised that the mortgage was sold to XXXX XXXX XXXX ( XXXX ) and the first payment was due XX/XX/XXXX. XXXX purchased from original company, XXXX XXXX. XXXX before any pymts. were due. On XX/XX/XXXX I made a pymt. online to XXXX for {$1600.00} for the XX/XX/XXXX due date. 
Immediately, I called a Rep with XXXX named XXXX and asked that the pymt. be backed out. He said he could do this as it had not posted. HE DID NOT BACK THE PYMT. OUT. 
See copy marked # 1, my XXXX XXXXXX/XX/XXXX stmt. indicating a pymt. was made to XXXX on XX/XX/XXXX. See item marked # 2, notice from XX/XX/XXXX that effective XX/XX/XXXX the servicing loan is being transferred to Planet Home Lending , LLC. I will add that this notice is dated XX/XX/XXXX, however, I did not receive it until after I had made the payment to XX/XX/XXXX. 

THIS IS THE PROBLEM and the REASON FOR MY COMPLAINT : I have been communicating with Planet every month as they have yet to credit me with the {$1600.00} payment that was made for the XX/XX/XXXX due date. On XXXX I spoke to XXXX and she told me it takes 60 days for lender to transfer and there will be no late charges assessed to me. On XXXX I spoke to XXXX and he told me it should ( the pymt. ) show up after the XXXX of the month. On XX/XX/XXXX I spoke to XXXX and she indicated the record indicates {$1500.00} unapplied, {$150.00} short of pymt of {$1600.00}. She referred me to XXXX XXXX, Mitigation Team Lead - See # 3. I never heard back from XXXX XXXX after that last e-mail. On XX/XX/XXXX I spoke to XXXX, she checked with a Spvsr and was told they are still researching. On XXXX spoke to XXXX in Customer Service, employee ID XXXX, he said everything should be resolved. A file was opened XX/XX/XXXX. BY THE WAY, NO LATE FEES ARE BEING ASSESSED. On XX/XX/XXXX see # 4 and the response # 5. I discovered the first of XXXX that Planet had reported me 30 days late on payments to the Credit Bureau which has resulted in lowering my credit score. On XX/XX/XXXX spoke to XXXX XXXX of Planet and she advised that a task was issued to resolve the credit bureau issue ( still going on ). I told her I would pay the difference of {$150.00} just to resolve everything if they would fix the report to the credit bureau and credit the payment they owe me and put it in writing. She told me to e-mail Customer Service with my request -- See # 6. See # 7, this is the response to my e-mail to Customer Service and # 8 is the report I downloaded from XXXX XXXX. 
I believe I have been more than patient and just do not know where to turn for HELP!!!
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing a request to investigate accounts that do not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On or around XX/XX/XXXX of 2021 I bought a jeep from XXXX XXXX of XXXX CA. Within days it was brought back for repairs. It stayed at the dealer for 2 weeks. I complained and was told to come and get a different jeep. The dealer told me the paperwork would just be modified and updated to the new jeep I still currently drive. That never happened. The credit union who originally financed me is Golden One CU. My account number is my XXXX XXXX. Golden One CU has had proof the jeep was returned back to the dealer the day it happened, ( XX/XX/XXXX approx ). They since have been charging me for the jeep that was returned to the dealer and have refused to take me off the note. They told me it it was only a clerical error and should be fixed soon. After contacting them monthly 3 or 4 times a month.. they told me to continue to pay so my credit wouldn't be effected. I had to stop paying because I couldn't pay for both the returned and new jeep at the same time. This was about 4 months ago I stopped paying.. They have since ruined my credit, ( XXXX to a XXXX ). They refuse to repay me the 6 months of payments for the returned jeep and refuse to to do anything until the dealer pays them. This I a matter between the XXXX and the dealer not me.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Unauthorized online transactions were executed on my Chase Bank savings and checking account on XX/XX/21. Reported to Chase on XX/XX/21. I was told that new checking account was opened few days ago using my information that I wasnt aware of, and that money from my savings and checking is being transferred to the new illegal account. Chase bank rep promised that they will freeze all activities from fraudulent account to protect my money. It didnt happen few days after I lost XXXX $ from my savings and checking account. I was told by claim department that I have to wait until they run all the investigations. It has been 2 months and still in the dark no explanation from Chase what happened with my money. Identity theft was reported to the police department. I feel neglected, uninformed and unprotected by Chase bank in a such sensitive matter
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (VA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX  to be filed at a later date.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to Trans Union, XXXX  and XXXX  to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Consumer complaint received 2021-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am an XXXX XXXXXXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Consumer complaint received 2021-04-10
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: CITIBANK, N.A. (OH)

First Incident-XXXX XXXX, XXXX XXXX never delivered the item- but was charged a return shipping fee- As I was tracking the item it stopped midpoint- I called and was tole that the driver had to leave for the day and that it would be delivered the next day- it was never delivered- spoke with XXXX and Citibank both which alleged that there was an attempted delivery- false as the recipient was on the line with me and XXXX NEVER attempted to deliver- than the item was out of stock so they alleged Amount to be returned {$11.00} Second Incident- XX/XX/XXXX, XXXX Never charged the amount of {$85.00} by XXXX and placed in dispute pending copy of receipt and proof of charge- Citibank never provided yet indicated that the dispute was resolved not in my favor and recharged the amount back to my credit card- Fraud
Consumer complaint received 2017-12-14
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 Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ND)

I have had this card for 13 years and 5 months. My balance has not been increased for a long time. Longer than I can remember. Whenever I request an increase, I am denied and the reasons given are not in order with any 3 of my credit reports. I called the bank and asked about it, requested an investigation. They informed me that they do no such thing and the letter that they sent me explains their reasoning. 
I have also requested other loans through the bank that have either been denied or approved with an extremely high APR.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XX/XX/XXXX I contacted XXXX XXXX XXXX, IC Systems and XXXX XXXX XXXX ( XXXX ). These companies are reporting a debt that is NOT mine ; the SAME debt actually, just separately with two different amounts. I verified the social security number with each of these companies and it was confirmed that its not mine. When asked to speak with a XXXX, I was told the SSN doesnt matter, its up to the credit bureau as to whether or not they report it under your name! This is fraud and Id like my credit report updated and corrected immediately!
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

I made a purchase on XXXX XXXX XXXX and {$640.00} was removed from checking account. The seller XXXX required the buyer be a verified PayPal member. I used my PayPal account to withdraw money from my checking account. I had to return the item that I purchased because the seller shipped me an unusable product. I followed ebay and the seller directive to return the item. I received an email on XXXX XXXX the seller issued a refund of {$640.00} to me. I communicated to PayPal on XXXX XXXX that I was expecting my funds to be deposited to PayPal or my bank account. PayPal advised the refund would go to my bank account in 5-30 days. I told them the funds were taken out of my account the same I paid for the purchase, why is my money not in my account yet?
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TN)

Hi my name is XXXX XXXX. On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To at the present time, over 30 days later, I actually have not received a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to investigate those items inside 30 days offers a purpose to without delay do away with those objects from my credit score record. Its been over 30 days so that they ought to be deleted directly. I demand that these debts be deleted at once or I will file for litigation due to the strain you have got triggered me. My facts became additionally impacted via the Equifax data breach and might have gotten into the fingers of the wrong man or woman.
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (AR)

1. This loan was paid off in full 2. There are some missing months for reporting Missing XXXX and XXXX 3.this loan was opened in XXXX it is 8 years old 4. XXXX reported lastly in XX/XX/XXXX 5.XXXX last report was in XX/XX/XXXX 6.comments are totally different from each other
Consumer complaint received 2021-04-10
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. (GA)

XXXX is violating my FCRA rights and the credit bureaus are allowing them to report inaccurate information. This is for 2 loans that I have. A close date only reports on Transunion. There isnt any on XXXX or XXXX. The original contact was with XXXX XXXX. If this company doesnt remove the accurately report this or remove the account within 30 days, my attorney will file a lawsuit in XXXX XXXX, GA for violating my FCRA. XXXX should remove because they violated all inaccuracies in XXXX. The last activity date on XXXX is XX/XX/XXXX but is XX/XX/XXXX on Transunion. No DOLA activity is shown on XXXX. The terms arent shown on Transunion. The other account shows XX/XX/XXXX and XX/XX/XXXX as the close dates. A high balance isnt shown on XXXX In addition, a 90 days past due is constantly reporting on XXXX and XXXX. There shouldnt be any delinquencies after the close date. Also, why are there any 30 or 60 day late payments? Where is the payment history from XXXX until now? Shouldnt the account be removed from the first date of delinquency. If you check XXXX XXXX credit report there are delinquencies from XXXX which means this account should be immediately removed and not in XXXX. This historical information is incorrect and reports a past due amount and does not show history from XXXX. This account has many issues which can be proved in a court of law. Plus this creditor continues to validate inaccurate information.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2023 I sent Experian an FTC Affidavit via XXXX postal service certified mail which included copies of my driver license showing my correct address as well as my social security card. Im filing this complaint because Experian has failed to honor my dispute which outlines the inaccurate reporting of my address. The same information was sent to XXXX as well as XXXX. In which they have also failed to honor my dispute.