davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (CA)

I'M IN THE PROCESS OF BUYING A NEW HOME AND MY LOAN OFFICER BROUGHT TO MY ATTENTION A COLLECTION ACCOUNT THAT WAS OPENED WITH XXXX. 
I'VE NEVER HAD AN ACCOUNT WITH THEM BEFORE SO I KNOW IT'S IDENTITY THEFT.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX HL Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN BUSINESS CRED Credit Bureau XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Finance Reseller XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reseller XX/XX/XXXX Experian XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bulk Purchase Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2017-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Vehicles paid off and are on my report as repo, I have docs to show cars are paid in full. 
Sent info in to XXXX XXXX Experian certified mail 3 times, items never removed.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX added a old bill to my Exprian Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but Exprian won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 THE WEST (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-12-06
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. (PA)

I have submitted letters in the past requesting Equifax to remove the consumer statement off of my credit report. They have not responded to my letters and they have not removed the consumer statement from my Equifax credit file.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXXXXXX XXXX  is reporting the account attached incorrectly. The open date on XXXX and Experian is XX/XX/2015 and on XXXX its XX/XX/2015. The past due amount on XXXX  and Experian is XXXX and on XXXX its XXXX. On XXXX and Experian it shows 120 days past due and on XXXX it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Vehicles paid off and are on my report as repo, I have docs to show cars are paid in full. 
Sent info in to Trans union/ XXXX certified mail 3 times, items never removed.
Consumer complaint received 2022-04-02
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. (NC)

I have a hard inquiry from XXXX XXXX XXXX XXXX, I never got any financing from this company or shopped a car with them. 

In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2021-02-02
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: ClearPath Lending (AZ)

On Friday, XX/XX/2021 I received a phone call from a home mortgage originator company called ClearPath Lending. His name was XXXX XXXX XXXX, XXXX ID # XXXX. They are the company who did my last refinance on my house. He asked if I'd be interested in doing another refinance into a lower rate. I asked him how much lower would my payment be. He said he didn't have the details in front of him but would go look it up and call me back in a few minutes So, I said OK. A couple minutes after we hung up, I received a series of messages in my email that some company called XXXX XXXX  had just made a hard inquiry on my credit report. I had never heard of them and I got scared I had become a victim of identity theft or something, so I was freaking out! A few minutes later Mr . XXXX called me back. I immediately asked him if he had just run my credit. He said yes. I told him he did not ask my permission first and I never wanted my credit run! He apologized and admitted that he did do it without permission and I told him to fix it. He said I'll get in touch with my manager and see about a gift card for you. I yelled at him, telling him I wasn't interested in his gift cards - I wanted the inquiry removed. He has done nothing to fix it yet.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Last year I discovered a false account with US DEPT ED and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2022-04-27
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. (CA)

In XXXX of 2021 I was 30 days past due on my Amazon chase card also known as JPMCB card on my credit report. 
I called to explain that I was affected by Covid and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a Covid-19 forbearance plan through my mortgage company ( attached document ).

The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any Covid related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to CoXXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

2 Bankruptcy cases were dismissed and I received dismissal papers from court. Ive sent 3 series of certified letters were sent to Trans union and XXXX, during the past 6 months. Bureaus said they were legit and kept them on my credit report.
Consumer complaint received 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (LA)

This is a problem that had repeated itself I buy books, he advertises {$69.00} but charges {$590.00} and he does not warn Also the website was rigged so you cant refresh or goback without being charged. 
They site is full of spyware and malware and they know it, there is no name o the website, also they found away to bribe Netspend into faking fraudulent transactions and helping them get away. The is against Louisiana laws Netspend Claim # XXXX phone XXXX I claim racism because if i was white or Spanish this wont happen alot XXXX Billing help XXXX they give no name and will not verify who was the investigator, and what proof do you have I got the order. Card ending XXXX is a duplicate fraud. This time change account numbers with new cards.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

XX/XX/XXXX the collection was XXXX  accoint # XXXX i never signed a contract with XXXX. then collection come back as ... I c systems then XXXX XXXX original contract i signed was with XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NC)

Chases are not taking the Care Acts into consideration. This Covid Pandemic is not the U.SXXXX fault. Healthcare workers are volunteering and all this needs to be taken into consideration. I have been out of work from XX/XX/XXXX until XX/XX/XXXX due to Covid, I am a XXXX worker, in the XXXX XXXX XXXX field aka XXXX technologist. I reside in North Carolina, I have informed Chase, times I am not working since XX/XX/XXXX. I informed them I was receiving employment but only {$400.00} a month. I informed Chase I can only afford {$20.00} amount until I get employed.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (GA)

I was released from XXXX  on XX/XX/XXXX, 2021. While I was in XXXX  someone filled for my stimulus check. I believe it was my ex wife. I was told child support got the first check so I filled for the second XXXX XXXX dollar stimulus and it was sent the day I was released to the same account number the first check was sent to. I need that account froze and investigated please.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-02
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. (WA)

I have never been able to access my credit report despite 2+ years of credit history with XXXX  XXXX XXXX XXXX an institution that reports credit history to all three credit bureaus. As a result in early XX/XX/2022 I called TransUnion and was told I had a mixed file. I was instructed on how to file a dispute to fix the incorrect information. Per their request I sent a cover letter explaining my situation as well as copies of my driver 's license and social security card. Within their 30 day timeframe I received a letter in the mail informing me TransUnion could not locate my credit report. 

Upon receiving this I called TransUnion customer support who informed me I was not in their system at all. They also claimed they had never received my documents to initiate a dispute, despite the letter I received being sent to a mailing address they could not possibly have known apart from it being the return address on my dispute envelope that they claim to have not received. Their solution to the problem was for me to send a cover letter as well as copies of my driver 's license and social security card to them, a process that has already proved fruitless. 

Under the Fair Credit Reporting Act, TransUnion is required to fix any inaccurate or incomplete information. My information not existing is as incomplete as it gets, especially when another credit bureau has my information and report on file in full.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX I sent this company a debt validation certified letter by USPS with a tracking number of XXXX. 

On XX/XX/XXXX the company responded and said they would cease collection efforts until they are able to validate this debt because they could not do so at that time. 

It has been over 30 days and I have yet to hear from this company to validate the debt they say I owe so I sent a follow up letter, still no response. 

On XX/XX/XXXX well over the required 30 days I opened a complaint with the XXXX  and on XX/XX/XXXX the company responded with the same generic response that they cant validate and would cease collection efforts until they can. 

I put a dispute in with the credit reporting agencies and this company continues to verify the account reporting is accurate and continues to update a balance. They have not stopped collection efforts by doing this. 

Here we are on XX/XX/XXXX and this company still on my credit reports without properly validating this debt is mine and I exhausted my options with them. In the state of Texas if a company can not validate within 30 days they must remove this. Ive asked them to immediately delete this account off all my report is as they are violating my rights.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AL)

In XXXX of 2016 my XXXX XXXX account was in good standing, and there was an available credit. I was making my payments on time each month. Although I was making my payments on time each month, the payments were becoming a bit too much. I was going through a divorce and my husband left me with nothing. I called in to speak with someone as to what options I would have. I was told that I could enter into a hardship program. I was told to make a payment of {$79.00} a month for one year, and that I would not be charged any interest as long as I did this. I did exactly what I was told and made the 2st payment by the day that I was told to make the payment. After that first payment I received an email that I not only missed payment but that I had a late fee because I did not pay the minimum amount due, even though I was told to only pay {$79.00}. There was a mistake on the behalf of the credit card company. I was told not to worry about it, and to continue making the payments, and that whatever interest charges & late fees I received would be knocked off the account. Each month went by and those fees were not removed. Every time I would call and ask about it, I was told not to worry about it, and at the end of the years time, it will reflect all my payments. Well at the end of the years time, I started back receiving regular charges they were way too much for me to afford in the original charges and fees that I received after making the first {$79.00} payment was never removed. Also, the payments I had made over the year were not showing. My available credit at the end of the program was less than what it was before I started the program. When I called back after a year to ask why it was still on there and to get the situation rectified the service rep as well as the so-called manager that I was put in contact with was completely disrespectful. They laughed at me, they basically told me that there was nothing I can do when I asked what was going to be done. The guy literally told me he was not going to do anything, and that I needed to make the payments. Well now the payments are too high for me to make and it is making my credit score go down. When my husband left me I was really struggling and my credit score was down below 400.  I have worked really hard over the last year to pull my credit score up to about 635. It has now knocked down numerous points each month because of this one credit card. I feel helpless and I do n't know what to do.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

account number # XXXX XXXX  attached is what XXXX and equifax is reporting ... if they both get their source from XXXX  then why are they inaccuracies on the report .... 
DATE LAST ACTIVE XXXX XX/XX/XXXX WHILE EQUIFAX XXXX BALANCE XXXX {$7400.00}, WHILE EQUIFAX XXXX 
LAST PAYMENT XXXX XX/XX/XXXX, WHILE EQUIFAX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!