davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a twin sister and the problem I'm having is, her Capital one auto loan and current address is showing up on my credit report. The auto loan is under my name, but her social security number. I had try to dispute this matter many of times. I wasn't successful at all resolving this issues. I'm don't know what to do at this time, can you help me.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Consumer complaint received 2016-03-01
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

Beginning In XXXX of 2010, Global Client Solutions, XXXX, XXXX XXXX, collected a total of XXXX dollars from us. They were supposed to settle some our debts as we paid them XXXX dollars a month.But when we could no longer afford to pay the XXXX dollars a month, they would only refund us {$220.00}. They refused to give our money back. They are a bunch of crooks. I know this is a late complaint, nonetheless, I felt it my duty to report them.
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I am a XXXX member. I received an alert that my credit score dropped XXXX points, because my utilization decreased on my XXXX XXXX account by 5 %, now historically when this happens my credit score rises by a point or XXXX. Immediately I called XXXX and Experian, of course XXXX did not accept any accountability in the matter and directed me to call Experian. I spoke with XXXX at Experian who stated it was a very complicated matter to explain and nothing further. I asked to speak with a supervisor, then placed on hold and told to leave a number and the supervisor would call back XXXX.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 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, i felt disrespected by the customer service representative 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! This is unacceptable!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 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 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 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 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 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AR)

XXXX XXXX opened A Bank account with chase, deposited my inheritance From a life insurance policy left solely to me. XXXX was deposited into a closed chase account XX/XX/2021, Withdrew funds has been harassing stalking and unable to locate since .....
Consumer complaint received 2021-05-19
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 — Their investigation did not fix an error on your report
Company: Great American Finance Co (GA)

In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NC)

The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH mortgage charges a XXXX fee if you do not go paperless. Through the app I tried to go paperless and it was not working. I called the company to have them removed the {$7.00} charge from my mortgage and they said that that was the the charge for a service. I was never notified of this new policy or service. They told me to try a different device in order for it to work. How many people have multiple devices to try and not pay more? This is bad business practices and predatory.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/scrub>XXXX XXXX sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter that was mailed on XX/XX/scrub>XXXX  and an updated FTC identity theft report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing a formal complaint against TransUnion for their failure to respond adequately to a dispute letter that I mailed on XX/XX/scrub>XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested an investigation into the entry for Bankruptcy XXXX XXXX XXXX XXXX XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Unfortunately, I received a response from TransUnion, dated XX/XX/scrub>XXXX XXXX XXXX indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with the USPS certified mail proof of delivery and TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX I applied for forebearnce with Chase Credit Card Services due to Covid and impact to income. I spoke with Chase in XXXX, XXXX and XXXX of XXXX and was advised I was on forebearance and my credit would not be affected. Having my credit report run in XXXX of XXXX shows all late payments were reported to the credit agencies against what was advised by Chase bank. 

After speaking with 4 different people at Chase, with acknowledgement this was a Covid hardship situation. When I requested copies of the phone logs indicating these conversations took place I was advised I would have to supena the information. While this information was validated on the phone with 4 different departments, they would not provide the documentation to me. 

The intent of the CARES Act was to prevent this time of issue from happening during a world wide lock down.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

there are inconsistency on my credit report about the date amount and addresses I did not authorize them to any report information to credit bureaus Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete 028A. Aggravated identity theft ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 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 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX BANK OF AMERICA CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

This is at least my 3 complaint against Fay Servicing Only XX/XX/XXXX I requested a refund of XXXX which I noticed was in my escrow account which I never requested. I have followed up with my account manager several times via email on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Now I am being told I have to call XXXX XXXX for more information, I have provided my number and have not received a return call and when I try to call her all I get is a voice recording while other agents say they will have her call. They very least they could send a message through Fay Servicing portal. 
This is why my account is past due and they are charging me late fees and reporting my account past due to credit bureau. I have attached documentation that I believe is important to resolving this issue. 
Keep in mind I have requested an escrow account, I pay my real estate taxes directly to my county at the end of each year.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

This company is dodging their duties and telling me that they don't think I was the one sending my previous complaint. I have atatched a selfie of myself holding my ID to verify that it is me. Please verify everything so I can finally start to remove these negative items from my report.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

Wal-Mart charged me {$500.00} when I opened the account submitted XXXX separate charges. I paid the first balance in full ( around {$370.00} ) but not the second balance ( {$130.00} ) because by then I discovered they were falsely billing me. 

I am a XXXX. I did n't believe I owed either amounts but I paid the first in full as billed. Wal-Mart did refund the second billed amount of {$130.00} when I challenged the charges. However, when I requested copies of the $ XXXX Wal-Mart charges it alleged I owed, Synchrony Bank responded " we are unable to provide you with the information requested as it is no longer available ''. My account is not one year old.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-07
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. (WI)

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 2021-09-25
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: EQUIFAX, INC. (CA)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to Equifax over 30 days ago and have not received a reply or response. I will attach the letters that I have sent. They have violated multiple laws of the United States.