davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX # XXXX
Consumer complaint received 2018-03-07
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: Experian Information Solutions Inc. (VA)

As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX Hard inquiry notices by Capitol One on XX/XX/XXXX from multiple bureaus received in my email. Called XXXX. Spoke with XXXX sent me to application dept XXXX. Spoke with XXXX required XXXX, transferred to XXXX, transferred to XXXX. Que said XXXX was opened online application ID XXXX, she will close acct & report to credit bureaus. Her number XXXX XX/XX/XXXX Hard inquiry still showing on credit report. Called XXXX spoke with XXXX, said credit bureaus are responsible for removing fake data. Sd capital one reported as fraud, nothing more they can do. 

I do not think it should be my responsibility to contact multiple credit bureaus and jump thru their hoops to get fraud generated by Capitol One off my credit report.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX and 2. XXXX XXXX. 
The reason why I asked them to investigate XXXX was because I contacted this company and they don't have any account under my name, which means XXXX is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on EXPERIAN AND XXXX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The XXXX XXXX XXXX continue to call my job after telling them to decease. 
The dates and times are ( XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease
Consumer complaint received 2023-04-05
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. (OH)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit report. And in accordance to the fair credit reporting act convergent account # XXXX and account # XXXX has violated my rights
Consumer complaint received 2021-06-23
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: Bread Financial Holdings, Inc. (CA)

COMENITYCAPITALBANK/ULTA- XXXX XXXX XXXX XXXX  , OH XXXX Phone number not available Date Opened:XX/XX/XXXX Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Date Updated : Payment Received : XX/XX/XXXX {$0.00} Pay Status : charge off Terms : Date Closed : XX/XX/XXXX XXXX I filed a police report for ID THEFT AND THEY WERE SUPPOSED TO CLOSE IT I NEVER OPENED THE ACCOUNT THEY SAID THEY WOULD CLOSE IT IVE BEEN REPORTING AND COMPLAINING SINCE XXXX! This needs to come off my record!
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

I filed a complaint 2 weeks ago. Chase called me and I have talked with her twice. A message was left on my phone on Friday XXXX XXXX to call them on Monday XXXX XXXX. I called and left a message. On Tuesday no one called me. I left another message on Tuesday XXXX XXXX. No one has called me back. I left a message on XX/XX/2020 and an hour later was called back. They were still would not tell me what the problem was. Only that they were working on it. 
On XXXX XXXX Chase deposited {$7400.00} into my account that was not mine. I didn't know where that money came from and neither did they. I left the money there knowing they would take it out. They have not. On XXXX XXXX my account was closed. 
After closing my account they accepted 2 direct deposits from my work and my Social Security check over {$3100.00}. I am now in default of my mortgage. Default on my Chase Freedom card by 10 days. My Chase Amazon Card by 11 days and in 2 days my Chase Auto payment is due. They have held my money for over 23 Business days and all they will tell me is they are looking into it with no apparent time that I will receive my money. The only reason that I have is that because of Chase Mismanagement of their customers accounts that they have closed my account through no fault of my own.
Consumer complaint received 2018-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (IL)

I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.
Consumer complaint received 2022-05-02
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus. 

Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened. 

However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account. 

I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me. 

I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.
Consumer complaint received 2022-09-15
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. (TX)

hello my name is XXXX XXXX ive recently checked my credit report & found some untheorized credit card accounts and collections & looks like someone has been running my credit because its showing hard inquires from car dealerships. 
which is hindedring me frfom getting approved for my home for my family please look into this matter asap and remove & delete these accounts from my credit report.
Consumer complaint received 2018-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bristlecone, Inc. (RI)

I have XXXX XXXX by XXXX XXXX and XXXX XXXX they call non stop and neither one is mine. Ive disputed multiple times with XXXX XXXX   as well as credit repair. Please help.
Consumer complaint received 2021-09-18
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. (GA)

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I attempted to freeze my acct at Transunion after the XXXX  debacle I was misled into signing up for some monitoring service and they immediately started charging my credit card. After about a month and formal complaints they cancelled the service and refunded the charge. Since that time about every 2 weeks I receive a SPAM email ( XXXX ) from them with different offers and implying that I signed up for some service. Each and every time I receive one of the emails I have diligently followed their procedures to unsubscribe and stop receiving the unwanted SPAM. To date I have done this at least 12 times with no effect. 
How can a company that lacks basic competency or ethics to maintain a functioning cancellation system be entrusted with individuals credit history. Did they not learn anything from the XXXX negligence?
Consumer complaint received 2021-03-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-05
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. (NY)

I have sent all needed information to XXXX and Experian to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.
Consumer complaint received 2018-07-28
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. (TX)

The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}
Consumer complaint received 2023-07-03
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Transunion : XXXX has violated my rights USC 1681 section 602 states that i have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The late payment is inaccurate and needs to be removed.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (WA)

On XX/XX/XXXX I received a mailed letter ( dated XX/XX/XXXX ) from XXXX stating that my homeowner 's insurance policy had not been renewed, and that if not renewed, XXXX would purchase a policy for the house for an excessive amount. 

On XX/XX/XXXX I called XXXX customer support and was told to have my insurance provider ( XXXX ) send a renewal notice. I called XXXX on XX/XX/XXXX and requested the notice be re-sent ( they told me they had already sent multiple notices to XXXX. ) The representative from XXXX also found that my home loan number on file was incorrect. ( I am unsure of whether XXXX changed my home loan number, or if it somehow became corrupted on the insurer 's end. The insurance premium was paid out late by XXXX in XXXX and there was no misunderstanding about the loan number. ) The loan number was corrected and an updated renewal notice was sent to XXXX. I received in the mail a copy of this notice dated XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again and they said they had not received the new policy renewal notice. They once again asked me to send them another copy and I did so. There has been no response.
Consumer complaint received 2022-05-02
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; I XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXXe XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I refinanced my mortgage with LoanDepot and when the mortgage was funded and I received my Closing Disclosure dated XX/XX/XXXX I noticed the following : Closing Costs Financed ( paid from your loan amount ) {$1600.00}. I called the account manager to find out why they financed my Closing Costs when I said I would pay 'all ' of it because I didn't want to finance anything except the loan payoff from XXXX XXXX . The account manager ( that worked on my refi ) didn't know why so she said she would asked her manager why there were any Closing Costs and what these fees were. According to her, the manager said they aren't APR sensitive. She said that means they aren't Closing Costs. Needless to say, I wasn't happy since I assumed I had paid 'all ' costs which came to {$6900.00}. I told her I don't understand how you can charge for something that there is no explanation of for the fee. I told her I want to know what it was and why it was financed. She said she understood my concern and since her manager didn't offer her an explanation that she understood and could explain to me that she would reach out to her Director for a better explanation. We had that conversation on XX/XX/XXXX and I sent an email to follow up on XX/XX/XXXX as I hadn't heard anything. On XX/XX/XXXX, I received a revised Closing Disclosure stating that there was an internal post-closing review and they determined revisions were needed. Unfortunately, that didn't explain why there were Closing Costs. The revision reduced the amount to {$1600.00} to be financed. The account manager didn't call me to explain why so I called on XX/XX/XXXX and left an escalated message for her or her manager to call me on with an explanation. I also sent another follow up email on XXXX to the account manager. Needless to say no one has contacted me. She won't respond to my emails or calls. This is ridiculous!!