davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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. 
Collections Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right. 
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 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I attempted to login to my account ( s ) with XXXX on Wednesday, XX/XX/XXXX and was unable to do so, due to the following error message received : " Important : We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ". I called as instructed and was informed that XXXX XXXX decided to " end our relationship '' and will close my account. I was not informed of any reason. Additionally, I received an e-mail on the same day, stating I can access the letter on my account online, of which I don't have access to get to my account online ... What's even worse of not being told anything, any outstanding checks will bounce and I can not even do anything because I was informed it will take 10 business days to close the account ( s ) and additional time for me to obtain access to my funds. I would understand if the funds are being withheld to cover any outstanding checks, but that's not the case. I was specifically told that any withdrawals of any kind will not be honored and not be accepted. So what's the reason of withholding my money and literally for several weeks I will have absolutely no access to any of my money for absolutely no reason. I've been a customer with XXXX since XXXX or even before and also used their services.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue XXXX be resolved immediately.
Consumer complaint received 2023-01-31
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home. 

XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed. 

XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo. 

On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail. 

XX/XX/XXXX The Mortgage company signed for the package. 

XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler. 

XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them. 
XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close. 

XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off. 

XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me! 

I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me. 

Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX ' According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was solicited by the company XXXX XXXX on XXXX XXXXXXXX XXXX. I was sold a product that I was not able to use and the and attempted to cancel the contract the next day the company refused so I filed a complaint with Bank of America whom I have been banking with for 16 years. I explained the situation and told them I was within a 3 day timeframe to cancel the contract. This dispute was started over a month ago with no resolution and Bank of America telling me that its up to the merchant to refund my money when I purchased the items with my Visa card I was not refunded the {$4000.00} to my account as of todays date, Bank of America has also stated that they did not receive fax that I sent them so today I stayed on the phone until they could verify the fax had been received, so not only have I been ripped off by a IdealImage but my own bank is taking their sweet time to put my money back in my account. I want this resolved they told me it could take up to three months that is not acceptable for something that shouldve been canceled within a three day contract cancellation that is my legal right to utilize.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May  concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

this is my 2nd  request and again I am attaching my documents that Experian said they didn't receive, I am a victim of identity theft, please see all attached XXXX  and documents
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

In my previous complaint, XXXX, I experienced issues with our escrow account, which still appears to be incorrect. 

I scheduled payments to the mortgage company, in order to catch up. However, we are still being XXXX by XXXX 's independent contractors- which appears to be evidence of fraudulent activity. There are unauthorized individuals posting notices to our door, while I am at work. 

Today, XXXX XX/XX/2023, we were home and the Loancare XXXX Representative ( a woman ) walked up to our door, DID NOT KNOCK, and just posted this notice on our door. 

Here is the link to the video : XXXX XXXX XXXXXXXX Again - calling the number on the form, does resolve the problem. When calling the number on the letter ( which is posted with scotch tape this time, to my front door ), there is no response from XXXX Loancare. 

When I spoke with XXXX XXXX, Senior Client Liaison with XXXX Loancare, she indicated that this process would be reviewed and corrected. It has not. 

Finally, the escrow account is still wrong. According to Loancare, we have a shortage of {$650.00}, which is not possible since there was a {$7700.00} credit on our account from DC Government.
Consumer complaint received 2023-01-31
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. (TX)

Make sure any accounts that were discharged in the bankruptcy show a {$0.00} and are labeled as discharged or included in bankruptcy Payment History is no allowed!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last ss  XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Ph : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ph : XXXX Subject : Bankruptcy listing for Account No. : XXXX History listed wrong per Bankruptcy laws. Attached is a copy of my Bankruptcy filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX XXXX  XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper Bankruptcy Lawyer for data removal. 

Per your order ( According to https : XXXX  ) they are listing my payment history showing XXXX negative report and also showing the bankruptcy in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a Bankruptcy is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a bankruptcy and only list the Bankruptcy without past payment history but Experian credit reporting wants both. Experian first list my account history then lists the Bankruptcy ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have Experian remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with Bankruptcy court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, XXXX  XXXX Attached : Copy of Letter, Experian Report, Bankruptcy, & Reopen of Bankruptcy
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

I have disputed information contained within my credit reports to the 3 major credit bureaus and I have been made aware that LEXISNEXIS is one of the companies confirming that the information is verified accurate. 

LEXISNEXIS does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LEXISNEXIS not have my consent, they can not verify the information is accurate, which it is not. 

The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX XXXX  inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. 

Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX  does not contact consumer reporting and credit reporting agencies. '' Simply put, LEXISNEXIS LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! 
There are several examples of Adverse Actions being taken against me as a consumer because of LEXISNEXIS reporting of UNVERIFABLE information.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I got a duplicate payment for {$540.00} and now Synchrony Bank will not stop the second payment. They said it has to go through and they will put a credit back on XXXX. That is not where the money came from. I want the authorization stop or the money put back in my checking account.
Consumer complaint received 2020-12-17
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. (TN)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.