davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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. (AZ)

On XX/XX/2022 i checked my credit report and came to find out that someone used my personal and financial information to open 8 different types of accounts. These accounts were open by the thief that stole my identity a long time ago. i noticed so many incorrect information that did not pertain to me and that i never used before. Like my name that was changed and addresses that i never lived at before. Also the accounts that were not ever opened by me. I immediately filed a Police report with the XXXX police department and contacted the FEDERAL TRADE COMMISSION to file a police report as well as an IDENTITY THEFT REPORT. I then submitted my complaint to the credit bureaus and nothing was done with supporting documents. I never received any type of mail regarding the outcome so i decided to file a complaint in regards to my identity theft. I never opened these accounts listed in my Identity theft report in or around the opened dates. i sent them notarized documents to support my request.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised that the closed XXXX XXXX Account # XXXX had 4 days according to Law to remove this derogatory item. This Consumer is now requesting XXXX to provide the documentation used to determine that account was validated by the creditor, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. The Consumer is not asking for an e-Oscar report if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 treasury OMB forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2017-11-28
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: Experian Information Solutions Inc. (DE)

RE : Complaint # XXXX XX/XX/2017 D.O.C. 
XXXX XXXX XXXX XXXX in my previous complaint I did not adequately explain my complaint. 
I believe the 15 or so inquires in question was not counted as 1 deduction from my Credit report as it should be, because it was for the same type of purchase with in the 14 day window as allowed by law. I believe they were counted as individual inquiries, deducting points as such. please investigate and send me an updated Report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (SC)

My Discover credit card, in good standing, was closed on XX/XX/2022 The bank claims that they were unable to verify my personal information within a set period of time, and can only open another card with them by applying for a new one. This has negatively impacted my credit by eliminating my oldest credit account. Since I still have a balance on this account, which has always been paid on time, my utilization is over 100 %. This was originally a secured card that had converted to an unsecured line along with a limit increase. I understand the importance of having accurate information for account holders, but the practice of random verification seems very strange considering the standing of my account and the fact that there had never been a report of fraudulant activity, or even a pattern that may be interpreted as fraudulant.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

I got this account that is not mine and i want to delete them. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Problem 1 : As of XX/XX/XXXX I had an escrow balance of {$8300.00}. 
After that, I made my normal XXXX mortgage payment which included another {$1400.00} of escrow. 
My total escrow amount should be {$8300.00} + {$1400.00} = {$9700.00} Currently, my current escrow account shows only {$8000.00}. There is a difference of XXXX. 
As of today, Freedom mortgage did not make any escrow payment to anyone that could explain the discrepancy., I contacted Freedom Mortgage on XX/XX/XXXX by there secured email. I still have not receive an answer or an acknowledgement of my inquiry. 

Problem 2 : I have just recently refinanced with another mortgage company effective XX/XX/XXXX. XXXX XXXX taxes are due by XX/XX/XXXX. Freedom Mortgage has not made a payment to XXXX XXXX and is not responding to my request to refund me the unpaid escrow balance. 


Thanks
Consumer complaint received 2017-11-28
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. (NJ)

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (ID)

I received XXXX separate notices from XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX {$83.00}, XXXX XXXX {$66.00}, XXXX XXXX {$70.00} I've had an XXXX account for over XXXX  years and have never owed them any debt and I called the to verify this fact which they did. I put in a dispute with XXXX XXXX XXXX and asked them to send me proof of the debt they say I owed since both XXXX and myself were unaware of it! 
I received a letter today dated XX/XX/2022 from a XXXX stating that they did not have enough information to investigate my dispute and want a copy of my drivers license and my SSN number and a copy of a vided check. I never paid my XXXX account with a check and I'm not giving them my personal information Reference # XXXX
Consumer complaint received 2017-11-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Account Control Technology, Inc. (CA)

I was contacted by XX/XX/XXXX on 1XX/XX/XXXX about a school loan that I do owe. I made a agreement with them on that date to pay {$110.00} per month to bring loan out of default. I made a payment on that date of {$110.00} to enter the program. they notified me that I had to do this right now to avoid garnishment. XX/XX/XXXX later notified me that after recalculating my budget that my payments would be raised to {$160.00} and I agreed and made another payment at that time of {$47.00} in order to be in compliance of agreement. After making this agreement Accounts Control Technology moved forward with wage garnishment on XXXXX-2017. Accounts Control technology was deceptive in making this agreement knowing full well that they had no intention of honoring it.
Consumer complaint received 2021-05-22
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. (NY)

This is a horrible comoant with their free membershio my Equifax when I login the credit score wont update when its supposed to every 30 days the last score update was XXXX!!! And it wont download my file or let me submit disputes it gives me error message this has to be fixed its been like this long time and they have done nothing about it to fix their system to upload my file and score recently this system is crazy when I call they wont help its important for me to be able to see whats reporting and submit disputes since Im a victim of identity theft but their system wont let me or see anything horrible company
Consumer complaint received 2021-09-24
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: REGIONS FINANCIAL CORPORATION (MS)

I'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports. 

When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-06-30
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. (OR)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX - XX/XX/21 2. XXXX - XX/XX/21 3. XXXX XXXX - XX/XX/21 4. XXXX - XX/XX/21 5. XXXX  XXXX XXXX - XX/XX/21 6.XXXX  XXXX XXXX XXXX XXXX XX/XX/21 7. XXXX XXXX - XX/XX/21 8. XXXX  XXXX XXXX - XX/XX/21 9. XXXX XXXX XX/XX/21
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

XXXX XXXX
Consumer complaint received 2021-07-07
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. (NJ)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2017-11-28
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: JPMORGAN CHASE & CO. (RI)

I 've been considering upgrading my current credit card with Chase. I decided to browse the offers available to me ( and linked to my current Chase account ), under the impression that these offers were an " upgrade '' and not in addition to my current account. I applied for an offer, and was told they " needed more time '' to evaluate my credit, and received an email immediately from Chase with the following text : " We have received your request for a Chase credit card. We 'll let you know our decision by U.S. mail. This could take up to 30 days. '' Realizing that this would be an additional card on top of the cards I already have after some quick research, I called Chase directly to ask if I could withdraw the application -- no less than 20 minutes after my initial application -- and asked to cancel the application. They told me that despite the email and the initial prompt from the website indicating, my application had already been denied. ( Though upon more careful review, the email seems to be just a note saying that they will deny my application -- not that they are reviewing it -- but that they will do so by mail. ) I know that the " hard inquiry '' will negatively impact my credit score.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (WI)

Information was entered wrong on a Transaction history and disputed regarding XXXX XXXX. The credit score fico score was dropped 50 points and a bad report was given, We paid XXXX $ for a monthly report and XXXX $ for 2 more reports and can not get this cleaned up. I feel we have been taken advantage of, and the problem is not going away. I can not load up the data required to clean up the miss-alined reporting. I have called and disputed the history of the information. I have contacted consumer protection at the State of Wisconsin to help us get the correct data on file.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.

OnXX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.

On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.

On XX/XX/XXXXI received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.

On XX/XX/XXXX I sent another dispute letter to XXXX XXXX   stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-08
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. (DE)

I disputed an error on my Experian credit report on XX/XX/XXXX. They have a negative account from XXXX XXXX company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and XXXX XXXX sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, my husband paid the remaining account balance of {$2500.00}. The transaction withdrew from my account on XX/XX/XXXX. On XX/XX/XXXX, we called and asked to get a XXXX-balance verification. Conns stated that they did n't show the payment being made. We were then transferred to the customer service line. The individual we spoke with stated they would start an investigation and requested a copy of our bank statement be emailed to them. We emailed it to them immediately that same day on the XX/XX/XXXX. We spoke with customer service again on the XX/XX/XXXX. They originally stated they could not find the bank statements, but were able to locate them. On the evening of XX/XX/XXXX, I went into the XXXX store location at XXXX XXXX XXXX XXXX XXXX XXXX, TX. I brought a copy of my bank statement in hand. I asked to verify my account balance. It still showed {$2500.00}. I asked the representative to please speak with the manager. She leaves only to come back and dial the customer service line. I advised her that I had already spoken with them and did n't feel any progress was being made to please get the manager. She hands me the phone to speak with customer service. They again stated they would look into it. I suggested that I could have my bank send them something directly or I could pay to have the bank notarize a statement. I expressed my urgency ; needed this verification by XX/XX/XXXX. She stated she could n't help me. I can understand needing to verify that I made payment. I do not feel it 's appropriate for them to allow the customer to feel the consequences of their mistakes. They knowingly admit to the fact that I paid the balance. What they are " investigating '' is what happened to the money after they received it. All while leaving my account open and telling me multiple times I still must make payments until rectified. The manger never came to speak to me. The manager did not even acknowledge I was there. I waited 30 minutes. I this point I 'm fairly certain that a simple accounting error would have been corrected in 48 hours or less. I 'm worried now that either the associate stole my payment or appropriated it to someone else 's account. Either way they have no sense of urgency about correcting it. I again called the customer service line on XX/XX/XXXX, I asked for an email or letter stating the situation and that it is being investigated. The customer service manager stated that they would not comply due to liability issues. Yet they have no qualms with holding me legally responsible to make payments on a now fictitious account. This situation has been verified to be an internal problem. It should have been handled internally. This is not only poor business ethics at some point it becomes theft.