davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (DE)

I found out incorrect information has been reported to my XXXX  credit bureau from creditor name Barclay credit card. I'm an authorized user on my husband 's credit card account. First of all, I called Barclay company to report my husband 's death about a month ago. They told me that I didn't reliable for his debt for this account and account will be closed immediately. Today, I got a message from one of my credit monitor company show that I have delinquent 30+days past due for this account. I tried to call them this morning to get resolved for this issue. They told me to call their collection company and also said they will help me to solve this issue. After I finished talking to their collection company, they told me that they didn't have anything to do with dispute incorrect information on my credit report. I have to call Barclay company back, explaining everything from the beginning again. He put me on hold and told me that one of their department that handle the dispute will call me back, but I told him that I need to update my contact information because my phone # on their file is no longer valid anymore. He tried to update, but it was unsuccessful. Now, he told me that I have to write the letter to them because they can't update my phone #. I also filed a dispute with XXXX  credit bureau about this issue.
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I checked my credit with all 3 credit bureaus and this debt is not mines. I have never lived at the address that the company is trying to collect on me. This debt is very damaging to my credit and I have no knowledge of this.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-10
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. (FL)

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Opensky Legal Services (TX)

Open Sky Legal said they could get me a modification on my loan. I paid {$4000.00} to date starting in XX/XX/2019 til XX/XX/2019. They fell through and I was denied any help except for a short sale. I need my money back from them because they stated they could do this and didn't. I just make enough to pay some of my bills with my large house note.
Consumer complaint received 2021-04-02
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)

I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Was promised a 5.99 balance transfer apr in first three billing cycles but was told after my second billing statement that my promotion had expired. Apparently what they really meant was three calendar months ( account was apparently opened in XXXX but not used until about XXXX. ) as they said the promo started when my account was opened, not at statement issue ( first was XXXX balance, but still- I feel very misled ). Again, the misleading language needs to be corrected to say first three calendar months after the account is opened. Their terms ( which the lady kept harping one ) imply that I should be able to do my balance transfer now.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/2022 My gift card supply charged my account at fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX I called and told them it was fraud, they opened a case, promised a credit. 

I never received a credits, they told me it wasnt fraud and refused to give my money back- even though it was purchased in XXXX  and I have proof of being at my work in XXXX
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: 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX has violated my rights.

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 an 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 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I filed a complaint with Lexis Nexis back in 2021 via the phone and never received anything back. Ive called several times with no help and I have emailed customer support only to get the same automated response each time. An inaccurate bankruptcy is being reported on my report and its showing on credit reports because of it being on the Lexis Nexus report.
Consumer complaint received 2019-11-11
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: EQUIFAX, INC. (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Consumer complaint received 2019-11-11
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. (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Specialized Loan Servicing has to be called in order to correct properly applying over payments of my mortgage. They take out interest charges twice instead of only the initial payment that covers the mortgage amount. SLS seems to have a problem over payments and it needs to be fixed.
Consumer complaint received 2019-11-11
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: Experian Information Solutions Inc. (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
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: Experian Information Solutions Inc. (AZ)

Experian have stated that thay went and verified a bankruptcy but did not disclose where thay verified the information last time I put in a complaint with a CFPB they said that they verified it through XXXX XXXX, which is false. I opt out of any reporting from XXXX XXXX, and I have loaded a court official document, saying that the court does not report this information to the credit bureaus. This is from a third-party vendor that experience on uses to put these false accusations on my credit
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b Equifax is in violation of 15 USC 1681b
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (IL)

My sister and I are beneficiaries from our Parents Trust account. Chase Bank keeps coming up with excuses as to why they can't release the funds. XXXX XXXXk has been most accommodating. Took less than XXXX week to receive the monies. We have been going round and round with XXXX for over a month now, getting nowhere.
Consumer complaint received 2021-05-24
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)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2019-11-11
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: Innovis (GA)

I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

Credence Resource Management continues to contact me repeadly with multiple phone numbers day and night, in violation of of the Fair Federal Debt Collection Practice Act. Refuses to cease desist while repeated request for verification/proof of any docimention verifying my signature, Social Security number. An XXXX..mobile bill contract that the debt belongs to me. This account has been disputed with the credit bureaus, the credit bureaus are not verifying this debt by means of paper verification verify my signature on a contract. XXXX  will not allow me to dispute the account online, and XXXX  disregards the law pursuant to the FCRA requesting documentation that verifies there dispute by submitting me a copy of any document or contract baring my signature. A CDV ... dispute is a code sent through EOSCAR ... software, XXXX investigation is incomplete, inaccurate.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX  XXXX XXXX
Consumer complaint received 2020-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

Ace cash express has called my wife on XX/XX/XXXX and XXXX and my grandmother on the XXXX saying there is a legal complaint against me for charges to defraud a lending institution. Then on XX/XX/XXXX I called them and they told me to pay XXXX dollars on XXXX dollar loan for they will proceed with charges.
Consumer complaint received 2019-11-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Prestige Financial calls and texts at the same time. They should either call or text. When their call comes in, it's always from a number that isn't theirs. However, as soon as they call, a text from Prestige will appear, in the middle of them calling me. When they do text, they send some long text wanting reasons why I can't pay and to set up an arrangement. They even text me two-three days before my payment is due to set up the next payment! I'm going through XXXX right now, and I'm still working. They'll get the money when they get it. Also, they call and text my husband the same information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for three years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed
Consumer complaint received 2021-09-12
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: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2021, I made a purchase on my American Express card with XXXX XXXX. I purchased the following : 1. Restaurant : {$30.00} 2. Oil Change {$49.00} I was charged {$120.00}. In fact, I should have been charged only {$79.00} in total. The problem was that XXXX mistakenly charged me twice ( 2x ) for the Oil Change Portion. Instead of charging me {$49.00} for the oil change, XXXX charged actually charged me {$99.00}. The Restaurant portion was fine : {$30.00}. The total charge was {$120.00}, but should have only been {$79.00} altogether. 

I tried contacting the merchant ( XXXX XXXX ), but there is no telephone customer service. I was unable to reach any customer service help at XXXX XXXX. 

I tried disputing this with American Express, but American Express does not understand the complaint. It summarily denied it.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AZ)

My US Dept of Education and Fed loan all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I currently lost my debit card. I barely use my debit card, as in the actual card. I normally use XXXX XXXX  instead of actually swiping my card. Comes to find out my card is actually missing. I wake up, getting ready for school and look at my account and its money going through my account. Im very confused so I called up the bank and told them to block my card. They told me a fake check was written in my name for XXXX so now I owe the bank XXXX. In my name. I dont wan na go to jail for somebody elses mess. I dont know what to do.
Consumer complaint received 2021-01-23
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. (TX)

I have two loans with XXXX that were charged off. The accounts were purchased by XXXX XXXX who made a settlement agreement with me. I have provided proof that the accounts were settled in full to Experian over 10 times and they refuse to correct or delete the account.