davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: JPMORGAN CHASE & CO. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it ''  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity ''  to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-08-28
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. (CA)

On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.
Consumer complaint received 2019-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My dispute is with NewRez Financial regarding the cancellation of my PMI ( {$210.00} ) back on XX/XX/2019. 
Based on my property value, the PMI should be cancelled but unfortunately due to an error of the person who NewRez assigned to perform a BPO, the PMI still being charged on my mortgage. I've provided plenty of supporting documents to show the error in addition comparable sales around my property and almost 3 months later, NewRez has yet to provide me any feedback. I've called numerous times their Customer Service line and nobody seems to know what is going on and nobody returns my calls with any type of information. NewRez assumed my mortgage early this year and to say the least it's been a nightmare.

Ironically enough NewRez constantly sends me offers to refinance my mortgage with a cash-out option obviously fully aware there's plenty of equity in my property and yet they won't cancel my PMI. This is a total scam and I'm very frustrated with them.
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (IL)

On XX/XX/2020 I discovered I had a bill in collection with Americollect XXXX in XXXX, WI. I called the company and ended up paying 3 different XXXX collections from XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I discovered that the bills were amounts not covered by my insurance company with the largest amount being from service on XX/XX/2020. I paid the entire amount using my debit card which came to over {$1800.00}. Today, XXXX I was notified about a collection on my XXXX XXXX account and I discovered it was again Americollect, and this time it was for {$3300.00}. I called Americollect at XXXX XXXX. I was told by the female on the phone that the new bill was for service at XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. I told the female that I already paid the bill. The female advised me that my XXXX XXXX " reversed their decision '' to pay the bill and I now owed the stated amount. I advised her that I was never notified by either XXXX or XXXX and that I should have been given an opportunity to dispute the decision or at least pay the bill before it was placed on my credit report. I demanded it be removed and I was told the only way that could happen was to pay the full amount or they could mail me out a removal request and I could send it back and they would review it. At this point, I was very upset and admittedly began swearing at the female and demanded to speak to a supervisor. I then spoke with a female supervisor who told me the same options were available to me and nothing else could be done. I asked her how I could have a bill in collection so soon after paying the bill on XX/XX/XXXX. She told me that the bill was submitted to them on XX/XX/2020. I asked her how much the original bills were for and she advised the {$1800.00} and some odd dollars that I had already paid. I then asked her how can I now have {$3300.00} in collection and she stated that it was the same bill but that amount was added after my insurance reversed their decision. I was even more upset at this time in believing that I should have been given time to pay or dispute the bill before it was applied to my credit report. At this point, the supervisor was only talking in circles and gave me no further recourse. I will be glad to pay the amount owed after finding out why my insurance " reversed their decision '', however, I feel it is wrong for them to post a collection on my credit report as they have done.
Consumer complaint received 2021-07-14
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. (OH)

I have submitted multiple disputes with Equifax. I am unable to access my results and it has been nearly 2 months. Equifax REFUSES to give me information on how they handle disputes. What is their process? I have collections on my credit report that are inaccurate and outdated. I've submitted documentation from one particular creditor advising they requested an account be removed back in 2018 AND IT IS STILL SHOWING ON MY REPORT. Yet is was removed from XXXX  and XXXX. You can never speak to a live rep. If you are lucky enough to get through they don't speak English. If you asked to be transferred to someone who does you are disconnected or told there is no one available. How is this company allowed to have access to consumers financial information?! I have yet to receive any free monitoring due to the breach. This company controls the financial aspects of consumers lives and they can't even manage to explain a dispute process?? They need to be held accountable.
Consumer complaint received 2020-08-28
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)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CT)

So currently I am trying to get my mortgage company freedom mortgage to drop the taxes and homeowners from escrow. The company that I originally started with prior to freedom acquiring it did not have any requirements for keeping it in escrow. XXXX is refusing to allow me to drop it. They were not paying my taxes on time in the spring causing issues for me to pull zoning permits with the town because my taxes were delinquent. I had to call numerous times to get it straightened out. I want to pay the outstanding balance of XXXX XXXX  for taxes and insurance going up and then only pay my mortgage payment and pmi. It's been an ongoing struggle dealing with them and I would rather pay for my own stuff then continue to fight with them.
Consumer complaint received 2023-01-29
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-02
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: PENTAGON FEDERAL CREDIT UNION (NC)

Initiated a credit card application in late XXXX with Pentagon Federal Credit Union for a Platinum Rewards Visa Signature Card. While they reviewed my application, Penfed made two hard inquiries on my credit. After a week, I called Penfed on XXXX XXXX to inquire into the status of my application. When I was told that there was a hold on my application due to my status as a graduate student, I was told that my application would be reviewed by higher. Having already observed that Penfed made two hard inquiries, I explicitly acquiesced as long as they did not make a third hard inquiry. 

Despite my explicit guidance, I found that my credit had taken a third hit. Penfed has made no attempt to rectify their error.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I mailed a validation of Debt letter to Resurgent Capital services on XX/XX/22 which they received on XX/XX/22. In my letter i asked for verifiable documented proof that i owe this alleged debt to Resurgent Capital Services along with a signed contract between me and the original creditor and a signed contract between me and Resurgent Capital that grants them authorization to collect this alleged debt, which they did not produce. Therefore, this alleged debt has now been validated and is reporting on my consumer report inaccurately and illegally. They are also in violation of the following laws which i will be seeking {$1000.00} per violation : 12 CFR sec 1006.34 ( c ) ( 5 ) ( i ) 12 CFR sec 1006.34 ( c ) ( 2 ) ( viii ) - No itemized breakdown of the current amount of the debt provided.

12 CFR sec 1006.34 ( c ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUT CONSUMER PROTECTIONS 12 CFR sec 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR SEC 1006.34 ( d ) ( 1 ) FORM OF VALIDATION DISCLOSURE
Consumer complaint received 2022-02-01
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: OneMain Finance Corporation (PA)

It has come to my attention that One Mani Financial Union has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 accounts from my credit report : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (PA)

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/2XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
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. (FL)

I sent out the letter showing below : I have a copy of my credit report in my hand, and I just went through it because my lender told me that I could get one for free. So I took a chance and got my credit report since I have not reviewed it in such a long time. O-sorry, let me get back to the point. I like to talk a lot some times. I was looking at my report and noticed a problem.. Let me tell you the problem. 

Account Incorrectly Reporting open Account DELETE IT XXXX XXXX XXXX XXXX  Please fix, correct or delete these problems, because they are really hurting my credit score. Im not that good at writing letters and I thought if I wrote your company, you guys would help me. I will be grateful if you can fix this issue for me. 
When can I expect a response to my inquiry and a resolution to this issue? 
Thank you in advance for your help. 
Sincerely, XXXX
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (PA)

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 accounts from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Each month I receive a statement from Kohl 's and each month my due date falls on the XXXX. The statement clearly indicates that I have until the XXXX to make my payment. It gives no time-frame nor any restrictions. Just that I have until the XXXX. I recently looked at my statement and found the last ( 2 ) months, they have accessed late fees of {$38.00} each when I made my payment on the XXXX. I either do it online or over the phone. I called and spoke to a few representatives and I am being told they close at XXXX and any payments made after that time are processed the next day. So when they process the payment on the XXXX, they hit me ( and everyone else ) with this late fee. The statement CLEARLY says the XXXX with no other provisions. I have yet to count how many times they have deceived me with this practice but I can only imagine. This practice is deceptive and clearly inflicts financial hardship of all card holders and needs to be looked at. Another issue found is this PROTECTED BALANCE which I am being charged 24.15 % interest. No disclosures, no notices, nothing in reference to this being added to my account. So currently I am paying 27.24 % plus 24.15 % totaling 51.39 %. Incredible that they are getting away with this.
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX - ACT # XXXX {$0.00} -- - {$500.00} -- -- - {$810.00} Opened XX/XX/17 This Item does not belong to me and I have tried disputing it with the credit bureaus and that have determined that it is my debt. This account was open fraudulently and is not mine. I have filed all police reports and ID theft.gov reports as well and submitted all to the bureaus.