davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Consumer complaint received 2016-06-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

( USAA MASTER PLAN TO COLLECT CANCELLATIONS OF DEBT ) USAA OPENS ( 2 ) Two DELIQUENT ACCOUNTS** This MUST be in Violation of Fair Credit. See attatched Mastercard statement XX/XX/XXXX *bal {$100.00} & Visa end XXXX. XXXX {$470.00} ) attatched were opened by USAA I DID NOT AUTHORIZE OR APPLY BOTH OPENED XX/XX/XXXX. See attatched USAA 1099-C. Visa/MSTR DEBT Account XXXX CANCELLATION DEBT {$9.00}, XXXX Box 5 Borrower ( * WAS ) personally liable Box 1 Date of Event XX/XX/XXXX. USAA COLLECTS USING FRAUDULENT DELIQUENT ACCOUNTS THEY CREATED. SEE ATTATCHED XX/XX/XXXX USAA ( DID NOT SETTLE UNTIL XX/XX/XXXX ** claiming to be deliquent selling account for collection. AND THE NEXT MONTH TWO CARDS XX/XX/XXXX USAA OPENED ) They opened 2 creditcards of member they claimed HAD A PAST DELIQUENT ACCOUNT??? See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} ( UNAUTHORIZED TRANSACTIONS DID OCCURRED. ) see attatched XX/XX/XXXX CFPB RESPONSE. XXXX XXXX of USAA staff CONFIRMED USAA *HELD ME LIABLE FOR THESE UNAUTHORIZED TRANSACTIONS {$470.00}. See attatched USAA REVIEW OF CLAIM. XX/XX/XXXX. USAA DETERMINED *NO FRADULENT ACTIVITY TO GET THE {$9.00}, XXXX BACK BY OPENING TWO FRAUDULENT ACCOUNTS Using my private ID data from MC XXXX USSA DID NOT CLOSE ... .AND then MADE A PAYMENT FOR ID THEFT I DID NOT AUTHORIZE STEALING SOCIAL SECURITY XX/XX/XXXX TO COLLECT THIS IDENINITY THEFT case XXXX. USAA ARE THE CRIMINALS IN MY HUMBLE OPINION.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-06-24
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: Garcadia Financial LLC (PA)

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I don't know what this is! Experian XXXX and XXXX has been reporting inaccuracies on my file. I have been denied from buying a house! remove this account I have no idea about it. I will sue just like the consumers did XXXX XXXX XXXX XXXX XXXX for inaccuracies
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-11
Product: Credit reporting 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. (IN)

I realized last spring to early summer that my credit report has multiple accounts I did not open. I know this because I had a XXXX  XXXX in XXXX. At that time I did not want to apply for any credit whatsoever. I married in XXXX and had a trial use if credit monitoring which alerted me my social security number has been found on dark web. Also, I was granted settlement from XXXX breach recently. XXXX or experian, one of those. I also have been notified I will receive compensation from XXXX breach. My purse has been stolen with my ID and ss card in XXXX and XXXX both were reported to local law enforcement. I have disputed numerous entries on my credit reports with all 3 bureaus multiple times this year online, vis uses mail, as well as phone calls. Still, there are multiple things on my report I did not authorize.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I called into Experian to get results on a complaint and they changed my middle name from XXXX to XXXX without my permission. I called back and they refuse to change it back to XXXX. I do not use XXXX as my legal name. I use XXXX.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My name and another with the same first name have somehow been mixed up together causing my address to show as hers and her name to show as an alias as well as her past history and associated people to be under mine. My car loan is not being reported to any agencies, it does have my married last name but my social security number has n't changed so should n't it still be reported to my credit? Also there are a lot of charges on my background check that are not mine A LOT! Mostly all of them accutally I do n't know how or why theyre there but this could dramatically effect my future employment and housing approval.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My ex-husband XXXX XXXX him and his new wife took my social security and had all my info and opened accounts and used my name for different things she also worked under my name at a XXXX in XXXX Utah where they grabbed most of the accounts
Consumer complaint received 2024-01-11
Product: Credit reporting 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 was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

A public record was removed from my account at Experian. However, unlike the two other bureaus, my score dropped XXXX XXXX 

I have no other negative accounts. All accounts are current. Its seems like this is racial profiling. Hence, I request that you investigate this matter.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX ) Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS XXXX  XXXX # XXXX XXXX  XXXX # 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 Original Creditor 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 I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Debt collector placed collection action on my Experian credit report. Disputed and requested removal of collection from credit report, but Experian kept collection action on report based upon debt collector saying debt is valid. Also sent letter to debt collector disputing charge and requesting removal from credit report. Have attached copies of the letter to Experian and the letter to Experian. In both letters, I explained that this is an invalid attempt to collect the full rate for emergency medical services that were covered by my health insurance contract and the contract that the emergency medical services provider had with my health insurance company as an in-network provider.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (TN)

I called Chase to talk to a representative about doing a transfer balance. Chase was offering a 0 % APR for 15 months and I had a large credit card balance that I wanted to transfer. This was a way for me to pay a lower interest on the balance that I carry and to make some headway to pay off the balance. After speaking the representative, I chose the XXXX application and applied. However, after I entered my transfer balance and got my account line information, it was much less than the amount that I wanted to cover. I have over {$13000.00} in credit card debt and paying a large interest charge each month. I feel deceived by the Chase website because it did not make it clear that my full balance amount that I wanted to transfer would not be eligible for transfer. I was only offered a {$1800.00} account line, which is much less than what I need to pay off the balance. I even called XXXX ( the credit card company that carries the {$13000.00} ) balance for assistance to help pay off the balance, but they would not offer me a lower interest. In the case of Chase, I feel that they should put a larger disclaimer so that future customers such as myself are n't fooled into thinking that their full balance will be opened to allow them to take advantage of the offer.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have checked my credit score using XXXX. Here it was listed that I have an account with XXXX and a debt of {$2300.00}. However, I have never taken any credit or debt out. This is either Identity theft or a mistake.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My complaint is in reference to Transunion Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Transunion Fraud department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Transunion the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX # XXXX ... XXXX XXXX # XXXXI was told by Transunion according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Transunion the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Other fee — 
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.
Consumer complaint received 2022-08-05
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (MI)

On XXXX XXXX i had my card frozen while trying to purchase a item called customer service they explained it would be resolved quickly, however netspend then stated we need 4 documents and have to wait 4 to 6 hours for approval sent the information in yet it was always something else more they needed i did this 3 times. Now on XXXX XXXX netspend wants the impossible a custom receipt from unemployment for the direct deposit???? And no it can not be a screenshot .I explained its not possible to get that and they don't care. I've sent my ID SSC A peice of mail a screenshot receipt as well as monetary determination from the UIA pdf. Letter still account is locked.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

XXXX had transferred my mortgage loan to LoanCare in XX/XX/2019. 
At the same time I submitted a Real Estate Relief statement in XXXX from the Commissioner of the revenue which I was 100 % granted. In XXXX XXXX made a final escrow transfer of {$370.00}. In XXXX XXXX informed me where to submit my payments. During this time Loancare is assessing the XXXX XXXX XXXX. On XXXX XXXX I received a letter that I had a shortage of {$580.00}. Even though they did acknowledge the tax relief I only received {$100.00} @ 3 months which was {$310.00}. There is still the 9 months remaining. The tax relief was XXXX XXXX. I emailed information I sent letters. I have also submitted a XXXX XXXX XXXX XXXX