davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
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. (FL)

Equifax has responded to Complaint # XXXX re XXXX XXXX XXXX, credit card # XXXX, by sending me information to the effect that they will be updating information on account # XXXX, XXXX XXXX XXXX. I have never in my life witness such endemic incompetence in all my life! My complaint has nothing to do with XXXX XXXX. It is all about XXXX XXXX, and their failure to correctly report the status of my credit card account, # XXXX. XXXX XXXX XXXX of XXXX XXXX, advised me that they would be contacting all 3 credit reporting agencies so that this " oversight '', allegedly caused by Hurricane Irma, would be rectified -- they had instructed the agencies to " DELETE '' my account. instead of reporting it " CLOSED '', in good standing. XXXX  XXXX is a XXXX XXXX corporation. I don't understand why they can't get this right! This is very simple. A first-grader could do it. My XXXX XXXX credit card account should now reflect " CLOSED '', with all accompanying 4 year credit history attached to it, not " DELETED '', because XXXX XXXX is XXXX that I transferred their balances to another bank! It's as simple as that!
Consumer complaint received 2023-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GET A RATE LLC (FL)

Everyone I spoke to says I got a very bad deal and was taken advantage of when I brought my first home. As a first time home buyer I didnt know anything about the home buying process. My lender gave me an FHA loan for 7.625 % and apparently according to Eveyone I was taken advantage of and given a bad deal bc I am XXXX XXXX American. I feel I was given a predatory loan bc of my XXXX
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Requested to have the freeze temp unlocked/lifted. They said to send COPIES of specific documents. This was done via Priority Mail. Just received in mail that I did not send in the req. docs. I did. I marked off what they wanted. 
XXXX is refusing to do their job and the companies that are requesting this ( NOT I ) are still waiting after over a months for these people to do what the person ( I ) have asked them to do. THIS IS ILLEGAL. 
Lift temp.the freeze IMMEDIATELY. THAT IS MY RIGHT. 
This is a formal claim against TransUnion. XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, Account regarding this CFPB complaint XXXX XXXX  XXXX XXXX.XXXX, and postal receipt XXXX Postal Receipt.XXXX. 

On XX/XX/2024 they responded to my disputes with their reinvestigation results XXXX XXXX XXXX. 

On XX/XX/2024, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : XXXX. The names and business addresses of each individual you verified the information with, so that I can follow up. XXXX. The date when you contacted the individual furnishers of information. XXXX. The method of communication you used to verify the information. 
I asked them specifically for a ( XXXX ) Description of reinvestigation procedure. 

On XX/XX/2024 Transunion responded with a refusal to process my request. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. 

The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. 

I reserve my rights to litigation, should nothing come from this complaint.
Consumer complaint received 2024-11-06
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CT)

To whom it may concern, To explain my situation I have to start back in XX/XX/XXXX just before the onset of the mortgage crisis. At the time I had refinanced and combined a {$150000.00} mortgage with a {$50000.00} mortgage making a combined mortgage of {$200000.00} with XXXX XXXX.. On the loan agreement it is stated that current market value of the home at the time was {$270000.00}. 
Fast forward to XX/XX/XXXX. I finished off my basement and for that I took out another mortgage worth {$35000.00} with XXXX. Almost simultaneously that year I was receiving calls from XXXX XXXX. As we all know now this was a time when corporate greed was rampant which led to the historic mortgage crisis.Loans were being handed out like candy. The loan representative that I spoke with at XXXX XXXX stated we qualify for another mortgage. I took out a third mortgage for {$86000.00}. He stated that we would easily by able to turn around and refinance all of these loans into one mortgage. It was a very naive and not well thought out decision on my part. Remember back in XX/XX/XXXX the current market value of our home was {$270000.00} $ When I took out the third loan with XXXX XXXX in XX/XX/XXXX, they inflated the current market value to {$300000.00}. That is an inflation of {$36000.00} in less than 2 years. It is a known fact that the greedy mortgage companies would inflate the value of homes in order to sell mortgages leaving people to owe more than their homes were worth. 
Currently I owe more than my home is worth to this day. I struggle to make payments. Please cut me a fair deal ridding me of my mortgage with XXXX XXXX ( which has since sold the mortgage to Citimortgage ). Citimortgage recently denied me a loan modification. I just want to owe what my home is worth. I struggle to make payments, I am often lagging behind. My credit is now poor. The ripple effect of taking out that mortgage will last me the rest of my days. It has robbed me of time I could have spent with my XXXX children and my wife as I have always had to work multiple jobs to stay afloat. I didn't deserve such a lasting negative effect on my life for one attempt to enrich our lives by taking out loans meant to improve our quality of life. We want to stay in our home and deserve that chance to continue to bring up our family here. This is no mansion it is a one level ranch but it is still our home. 
We are victims of predatory lending! Make no mistake we are victims! We did not inflate the value of our home the mortgage company did. I call for an annulment or eradication of my loan with Citimortgage ( previously XXXX XXXX ).
Consumer complaint received 2018-03-06
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. (CA)

I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XX/2017. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Last month I sent a certified letter to Wakefield and associates in regards to a debt they have listed on my credit report! They received the document because a signature was required and through usps it showed me the letter has been signed for. I asked Wakefield to send me a copy of the original bill as well as a breakdown of the amount they are alleging I owe them because this debt is not mine! I never received a bill or anything for this alleged debt, until today I received a letter in the mail from Wakefield stating that basically they will be not sending me any information on this debt, because they have already verified it ... .. I dont know who they verified it with, but it was not me and I would love to see what documents they have of this alleged debt, until I receive this documentation they need to remove this debt from all my credit files
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I had a Chase Ink credit card opened on XX/XX/2017. I have been using the card ever since then for my purchases and earned XXXX ultimate rewards points. I have always paid my bills on time and had no issues with the credit card. Recently, they contacted me about possible fraud on my account. When I called them back about this, they had issues with validating my identity. I emailed them copies of my state ID, XXXX card, utility bill, business information. However, they still claimed they could not validate the identity. They proceeded to cancel the account and now I have lost all my points. They refused to allow me to prove this was a mistake on their part or to reimburse me for the points. I feel they are taking advantage of some small loophole they have to not pay out my points. This is very unfair.
Consumer complaint received 2018-03-07
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: Herbert P. Sears Co., Inc. (CA)

In XX/XX/2017 i sent a dispute by certified mail for this said debt with HP Sears ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX  and XXXX but remain on XXXX. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX. I am asking that the Bureau XXXX remove this debt immediately as promised and report accurate information
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: Unlimited Progress Corp (MI)

The original account is from XXXX XXXX XXXX XXXX XXXX. I have never done business with this place. The account showed up randomly on my credit report as a collection. I have tried multiple times to call the business, but they have incorrect number 's listed. This business also has many different addresses, which makes it look more fraudulent to me. I have submitted a complaint with the XXXX XXXX XXXX, they too were unable to get in contact the business. I have disputed this collection account, once through XXXX  and once through XXXX XXXX - both times it came back verified from the collector, Creditors Discount & Audit. This has been detrimental to my credit report. If there is any way that you can help me resolve this issue it would be greatly appreciated. The date this collection went to my credit report was XX/XX/2019 and the amount they have listed is {$300.00}.
Consumer complaint received 2017-11-05
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. (MD)

On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to Equifax disputing inaccurate and invalid accounts on my credit file. Equifax received the letter on XXXX XXXX, XXXX.Within 30 days I received a letter from Equifax saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to Equifax asking for method of verification and proof of verification. Equifax received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from Equifax stating the exact same thing as the first letter. The letter said the accounts have been verified. Equifax did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to Equifax asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from Equifax stating again that the accounts have been verified. How can Equifax say that they verified an account and not provide information on how the accounts was verified? How can Equifax be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with Equifax can report inaccurate information onto your credit file without proper verification as long as they are paying Equifax. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Thank You
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

For weeks my ReliaCard has been locked due to a change of address. The address that I chanted it to is the address on my state issued I.D and has been my address for the last 4 years!!!! When I applied for unemployment 2 months ago my wife and I were currently separated and I was then staying at my moms. I have uploaded a picture of my I.D and social. It is now the XXXX of the month and I have no money to pay my bills. I have a family to feed and I am lost! Please help
Consumer complaint received 2018-03-07
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. (CA)

TransUnion and XXXX state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Consumer complaint received 2017-11-05
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. (MD)

On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thank You
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Torres Credit Services, Inc. (CA)

Torres Credit Services has continued to collect on an {$85.00} utility bill that was discharged in bankruptcy. As a result the collection item has been placed on my credit for ALL three major credit bureaus ( XXXX ). 

Torres Credit Services has refused to remove this item from my credit thus negativaly impacting my credit. They have violated the FCRA/FDCA by reporting on this debt as valid since it was discharged in bankruptcy.
Consumer complaint received 2023-05-19
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some INACCURATE ADDRESSES left that need to be removed. Per FCRA section 605 you are required to remove any ADDRESSES listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold them accountable for they willful noncompliance. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX.