davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MD)

PHH mortgage sent letter on XXXX XXXX 2017. The letter claims they mistakenly sent my original bills for this mortgage to zip code XXXX. in fact they sent them to the subject property at ZIP code XXXX. In the same letter they claim they switched future correspondence to the same XXXX ZIP code. So by their own admission they made no change to the account and in their own processes they believe they are illegally sending my correspondence to the wrong address.
Consumer complaint received 2021-08-21
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. (TX)

My complaint is against XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
I have submitted many disputes with Equifax to investigate XXXX who continues to report the wrong information fraudulently on my credit report. 

1- this is a car loan with the first delinquency was in XXXX XXXXXXXX however XXXX keeps reporting this account every month as a charge off with different " 1st delinquency dates '' ( please see attached reports with XXXX showing XXXX XXXX and XX/XX/XXXX as 1st delinquency dates ). XXXX also shows that the last payment I made was in XX/XX/XXXX, but I was serving time in XXXX XXXX since XXXX and no payments were made at all in late XXXX and XXXX. XXXX reports the wrong dates in an attempt to keep the account on the credit report for as long as they could. 

2- XXXX intentionally report their wrong phone numbers or no contact information at all on the credit reports so that no one can reach them. ( please see attachments showing that XXXX have 2 different phone numbers that are not valid and some reports they have no contact information at all or partial address ). 

3- After many attempts trying to reach XXXX financials to discuss this issue, I was informed by XXXX that they do not own this account anymore and that now it's with a collection agency, but yet XXXX continues to claim that this is their account and continues to report my account fraudulently as charge off every month to Equifax XXXX 

4- XXXX fraudulently placed a temp freeze on my credit report account so that it keeps this account on the credit report. ( please see attached file ). 

4- Equifax relies on XXXX to update my account, but Equifax never investigated XXXX to make sure that XXXX is reporting the correct information.
Consumer complaint received 2018-01-23
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: Experian Information Solutions Inc. (AZ)

On XXXX XXXX, 2017, my Experian credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX 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 realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.
Consumer complaint received 2017-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

COMMONWEALTH FINANCIAL SYSTEM HAS REPORTED ERRONEOUS INFORMATION TO MY XXXX CREDIT FILE CAUSING MY CREDIT SCORE TO DROP WITH THIS FALES INFORMATION AM TRUING TO MAKE A HOME PURCHASE IN THE NEAR FUTURE AND THIS WI CAUSE ME TO BE DEINED NEED YOUR HELP
Consumer complaint received 2023-02-17
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. (CA)

I disputed incorrect information on my report and the company did not remove it. These accounts are not mines. I demand that the following accounts by removed. This is affecting my creditworthiness, Ive disputed these accounts and they should be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

Sometime in XXXX, I had sent a debt validation request via certified mail regarding other accounts, and received a response with medical information not at all connected to my identity. This letter included multiple HIPAA violations. In response, I sent another certified letter informing them that not only was it not my debt, but the information provided by them was inadequate to meet the conditions for validation ( please see attachment XXXX ) This eventually lead to the removal of this specific account from my credit report. 

Since, I have had several more appear on my credit report with I have been unable to get a certified letter to Plus4 about, making an attempt to reach resolution as I am not sure these accounts even belong to me. Each of my letters were mailed to the address listed on my credit report, and returned as " Undeliverable : refused ''. At this point I made an attempt to contact Plusfour via telephone, and was told that they do not accept certified mail at their address. I believe this is a violation as they do no allow me to request a validation. 

On XX/XX/XXXX, I sent certified letter to debt collector requesting debt validation This was marked refused. 

Since attempt to contact plus4 via the appropriate legal channels, multiple accounts have appeared on my report, and I am unable to validate any of them due to their refusal of my attempts.
Consumer complaint received 2021-08-21
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: CITIBANK, N.A. (GA)

I recently reviewed my credit report and found an unauthorized inquiry.To my knowledge, I have absolutely no business affiliation nor did I give them my consent to pull my credit. I contacted the credit bureaus on more than one occasion had no success. I also contacted Citi Bank to resolve the matter received no response.
Consumer complaint received 2021-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC (MO)

I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with XXXX. I promptly disputed this account with XXXX, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.
Consumer complaint received 2023-02-17
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. (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. 

In response to the XXXX XXXX Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2023-02-15
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. (IN)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ) XXXX XXXX - XX/XX/XXXX - XXXX XXXX has changed or modified the opening account date several times since the date of the first delinquency which was XX/XX/XXXX. The date opened states that it was opened XX/XX/XXXX but attached is evidence to the contrary stating that the account had already been closed since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX has changed or modified the opening account date several times since XXXX ; the date of the first delinquency is also obsolete as I was on active duty orders and deployed and was not able to attend.
Consumer complaint received 2023-02-15
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. (VA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to correct the following inaccurate information that is harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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. (TX)

This company is allowing the furnishers to furnish information that is inaccurate to my credit report even after I notified them of my dispute. From my understanding this is a violation of 15 US Code 1681i and 15 US Code 1681e. The credit reporting agencies must follow reasonable procedures. From my understanding this company could be held liable under 15 usc 1681n for willful noncompliance
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NY)

I opened a new BBVA Compass Bank ClearConnect checking account on XX/XX/XXXX under the terms of an advertised promotion for new customers stating that I would receive a {$200.00} cash bonus for my new account. The terms of this promotion stated that " within sixty days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. '' I had my employer direct deposit payroll switched to my new account and the first direct deposit posted on XX/XX/XXXX. Now that I fulfilled my requirements, I expected to receive my bonus as stated in the terms : " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements. '' According to the 60 day timeframe, I should have received my bonus by XX/XX/XXXX. But it was never added to my account. On XX/XX/XXXX, I attempted to contact BBVA Compass Bank about this issue. I sent them a secure message through their website inquiring about the delay and the bonus. A week has since passed and they have failed to even respond to my inquiry. They are clearly attempting to avoid meeting their obligations to me after they induced me to sign up for a new account with the promise of a bonus. 

I have attached a document that shows the terms under which I signed up for the new account, as well as evidence of my payroll deposit on XX/XX/XXXX.
Consumer complaint received 2018-08-07
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: JPMORGAN CHASE & CO. (NY)

I went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I deposited my paycheck for {$3000.00} issuing bank XXXX XXXX XXXX  dated XX/XX/2021. 

ITIN:XXXX Business name XXXX XXXX Paycheck made out to XXXX XXXX as a ID : XXXX Today the account is placed on hold my close after the day of deposit. 

I asked how? Then was asked questions not relavent to the verification of my deposit to finish the process and get determination of payment by XXXX XXXX XXXX.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

On XX/XX/2020 I tried to call XXXX to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from XXXX ( XX/XX/2020 ), their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. XXXX sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Consumer complaint received 2017-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.303 UNFAIR OR UNCONSCIONABLE MEANS. ( a ) In debt collection, a debt collector may not use unfair or unconscionable means that employ the following practices : ( 2 )  collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Transferref XXXX via SEPA to my wallet on XX/XX/XXXX. Opened a ticket for their support which they told me that they transferred it to a specialist but no action since then. 

Case id # XXXX
Consumer complaint received 2021-11-23
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. (MD)

Documents were supplied to Equifax on XXXX as part of a dispute. They were not supplied to the merchant. The dispute came back without an error being corrected. When I requested a written correspondence with the outcome of the dispute, I was told by multiple individuals that they do not send physical correspondence in response to a dispute. 

This is specifically in regards to complaint XXXX
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am unable to get a 'Release of Mortgage ' document from Chase Bank . The involved loan was for a building that we currently own. This loan was paid in full on XX/XX/2019. So far, Chase Bank has refused to provide this information to myself and has not filed the appropriate documentation with the local county Clerk and Comptroller. Numerous telephone calls and written requests to Chase Bank for this information have been unsuccessful. Here is some relevant information about this matter : The lender was Chase Bank My account number is XXXX and the loan number is XXXX. 
The location of building on the loan is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The final payment of {$52000.00} was calculated and provided by XXXX XXXX on XX/XX/2019 and was paid in full on XX/XX/2019. 

I would greatly appreciate your assistance in obtaining the 'Release of Mortgage ' verification from the former lender.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.
Consumer complaint received 2021-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AXOS FINANCIAL, INC. (OH)

To Whom It May Concern, I am writing today because of an ongoing issue I have been having with XXXX Bank in regards to an auto loan listed on my credit reports. I have attempted to contact XXXX Bank via the dispute options at the 3 credit reporting agencies and also via phone, at all numbers listed on these bureaus as direct contact numbers and also through telephone numbers I have gotten online for their customer service. To date no telephone number has granted me access to their agents or customer service. I have not been able to speak to anyone regarding this issue, to verify the debt amount in documents and thereafter to pay the debt if it is legally accurate. 

The disputes I have filed, based on accuracy of amount reported have all been returned stamped that the company has met FCRA compliance in establishing proof, yet this same proof has been denied me in either written notification, official mail or a proper written response to my disputes under the FCRA. 

I am mystified as to why this would be and have no option but to contact this agency in hopes of finding a solution to this issue.