davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I request a report from esperian credit agency and repeatably disputed claims they said they did an investigation and the did not. Had the found the mistakes my credit and life would not be ruined thanks to a XXXX  XXXX XXXX bill pay mistake. I had perfect payment history and have been with the same bank for 20 years and all my bills have been on auto bill pay for years. The bank stoped my bill pay for month and then restarted it but not before all my accounts went to collections. 

They said they did an investigation they did not fix the errors. A year of trying to get XXXX  XXXX XXXX to send a retraction letter. They did proving esperian lied. I submitted it again they said said the did an investigation they did not fix the error. My credit dropped to XXXX. The bank won't even issue a new card or open a line of credit I HAVE PERFECT PAYMENT HISTORY NEVER HAD AN OVERDRAFT. I COULD WALK IN ANYWHERE AND GET WHATEVER I WANTED. 

NO I HAVE LOST MY HOME MY CARS MY LIFE. 


THE REPORT SAID IF I DID NOT AGREE WITH THEIR FINDING I HAD THE RIGHT TO PERSURE LEGAL ACCTION AGAINTV THEM. 

I DO NOT AGREE AND WANT TO FILE SUIT FOR ALL THE THING 'S AND MONEY AND HOMES FRIENDS FAMILY I LOST. 

IVE BEEN HUMILIATED
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (LA)

I have continuously paid my mortgage on time since the year XXXX. My payments were automatically set by allotment ( monthly ) while serving in the active XXXX. 
My allotment was juggled between finance companies : Greentree Financial, DiTech ( current ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as successors to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, as successor XXXX XXXX and XXXX XXXX, as Trustee of XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX vs. XXXX My allotment suddenly changed to a Life Insurance Policy without my approval or a change allotment of my automatic payment. 

The following Company : Conseco LIC and Conseco Finance XXXX XXXX, hacked my allotment from Ditech ( current ) and without any notice ... DiTech placed my account in the negative. 
In XX/XX/XXXX, I called DiTech to make them aware of the Conseco Company receiving my payments. DiTech was not acknowledging Conseco and stated that they will investigate the issue. Ditech sent me a letter ( XX/XX/XXXX ) stating that all financial transactions stop until the investigation was complete. 
I did not receive any reports about the investigation after 30 days, as promised by Ditech Financial. 
MY HOUSE IS IN FORECLOSURE ( Sale XX/XX/XXXX ). 
I am waiting on the investigation report that I never received.
Consumer complaint received 2017-10-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX CFPB : XXXXXXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need XXXX to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

In an attempt to purchase concert tickets, I communicated with an internet seller. He gave his name, email address and phone number and via a phone conversation, explained that he felt more secure using XXXX  through his bank account. He sent a screenshot with a confirmation that tickets had been transferred to my friend with all relevant personal information and pickup information confirmed - it looks legitimate. 

I initiated the transfer through XXXX via my Chase Banking app, presuming that I was protected by Chase Fraud services if the transaction were to go sour. If I was transferring money from within my Chase account, SURELY Chase services would still protect me, right? No ... .I was wrong. I confirmed the transaction and followed the seller 's instructions for ticket pickup, however the tickets were not there as promised, and when I tried to contact the seller, he of course was unresponsive. Nowhere in the XXXX  payment initiation process does it prompt you to confirm that the transfer is NOT protected by the normal Chase fraud protection, again, despite the fact that it is literally embedded in the bank account. It's incredibly, and intentionally, unclear and misleading. The entire point of using this tool was to avoid something like XXXX, which in retrospect, is exactly the same thing. 

I presume his information is also fraudulent however here it is : Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Bank : XXXX Method of Transfer : XXXX  ( Chase to XXXX ) Amount : {$750.00}
Consumer complaint received 2019-08-08
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. (GA)

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX
Consumer complaint received 2017-12-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (VA)

my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. 

About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. 

They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. 

My name is XXXX XXXX. the account # is XXXX with XXXX.
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (TX)

Loan Co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from Experian dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( XXXX XXXX XXXX Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send Experian, to include the others, any information on my account whatsoever. However they are only giving them information back to XX/XX/XXXX instead of XX/XX/XXXX, so  that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by XXXX. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former Experian dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, my debit card was declined for parking ( {$0.00} ) which is exceptionally odd because I always keep money in the account and I just had my paycheck directly deposited. I called and was told the card was cancelled and would I like a new one, when I asked why they told me they did not know but everything on my account is ok and there is nothing to worry about. I just got this card, it was a replacement for one where the chip failed, and the bank XXXX that one up too. This new card, with a new number ( the last replacement card was specifically instructed to retain the same number for payments to other accounts and institutions ) was expedited on XX/XX/XXXX, today is the XXXX. 

I still have not received the card. My other institutions are demanding that they get paid, no money is going in or out if my account. I went, in person, to the local branch, they said they had no idea and could not reach anyone to get more information. They also said my card arrived on the XXXX and was signed for. This is completely made up, myself and everyone else never signed for a package. 
I have no access to my account and my money, no one knows why or is not telling me, I am now get hassled for late/missed payments that should not have been missed. This is unacceptable, I have not done anything wrong or outside my normal patterns, I have not been a victim of fraud. I was give No notice, unfairly treated and lied to.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Army and Air Force Exchange Service (TN)

My identity was stolen and someone opened accounts and charge accounts under my middle name. I have contacted everyone and they closed the account except for this company. I have emailed, wrote, and spoke to everyone on the phone and they still will not remove this from my report or harass me. They even acknowledged that I made them aware of the fraudulent account and accidentally let them charge on the account. They continue to write emails stating this is a good account continue to keep it open.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Law 15 U.S.C 6801 States that are none public information can not be share with a financial institution. Law 15 U.S.C 6802 State that financial institution before they report anything to your consumer report. I as a consumer have the legal right to opt out of anything reporting on my credit profile. or they have to send me XXXX different letters for me to sign and give them permission to report that type of information ton my consumer report. I have never receive or signed anything at all. And i know public information can not be share without my legal consent. These are the accounts i want removed A.S.A.P XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX 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 2019-08-07
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. (WA)

Ive disputed multiple times with Equifax informing them that the account is not mine but Equifax is triple reporting the same collection. I am requesting they send me the method of verification on any calls, letter, names of associates they contacted during the previous investigation to support the outcome they provided.
Consumer complaint received 2019-08-08
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. (MO)

I used to own three XXXX XXXX XXXX. At some point one of my ex  managers used my information WITHOUT my approval or signature to open accounts without my knowledge. There are now two accounts from XXXX XXXX reflecting negative information on my personal credit reports. I have filed a police report addressing the problem and have contacted the credit reporting agency. XXXX XXXX still refuses to remove the information.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC (CA)

I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX un the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (TN)

this is a complaint about Target redcard, which is a credit card. 

I have close to {$400.00} balance on my card which I called the customer service trying to get a refund check. I made the request in the last week of XX/XX/2023, they claimed they sent the check, but after a month, I received nothing. And then they said they will reissue me a check, and then I called again following up on the issue on XX/XX/XXXX, and they promised they sent the check that day. But almost another 20 days passed, still received nothing. I kept calling the customer service, trying to ask what's going on with my check, I was told there is no tracking number or check number they can locate to prove they sent the check. But then offered to resend the check for the 3rd time on XX/XX/XXXX. I am beyond frustration, they even asked me to check with USPS blaming them to lose the check. I seriously doubt they have sent me any check at this point, and their customer service contact has no way to escalate this issue beyond the agents I talked to. Please investigate, and help get my money back. thanks!
Consumer complaint received 2019-08-07
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. (NC)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This  incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2020-04-30
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. (MI)

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( TransUnion, XXXX and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I filed disputes with XXXX, Equifax and XXXX  identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (AZ)

On XX/XX/2023 at approximately XXXX XXXX  someone took {$400.00} from my cash app account. I disputed the charge and they closed it within ten minutes and I asked for the documentation they used to make there decision and they sent me a paper with my name and the amount. On multiple dates before this ( and still ongoing ) somebody is trying to take money out of my account but I've been keeping my card locked and then right before I make a purchase I'll unlock it and lock it back right away its a hassle .I ordered a new card, I reset my pin, changed my password, and it's still happening. I want my {$400.00} back I didn't make this charge and that is half of my rent, after reading several reviews it seems to be one of their best practices. They should not even be in business if this is how they are going to protect customers money .I 'm so upset because they can see all the charges that someone is trying to put through still and they still will not listen to me. This is not right what they do im sure this business has made a good chunk of money by taking from customers something needs to b weed done
Consumer complaint received 2019-08-09
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)

In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # s XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 a credit card was opened in my name that I never opened. The phone number on my credit report I had never seen before in my life starting with a Kentucky area code ( 859 ). About half a year before this happened my ex had to move back to Kentucky because she had no where to stay and needed to see her mom because her mom was very ill. Its also the same address that appears on my credit report, which again I never lived ever at that residence, which is also in Kentucky XXXX I believe it was my ex because I started getting calls around XXXX about her whereabouts which is also the same time my XXXX XXXX started going down. The purchase amount was XXXX and the financial recovery number has to of called me 8 times since then. I never opened a chase credit card nor spent over a grand on a credit card.
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (FL)

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the Equifax, XXXX and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2019-08-08
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. (WA)

Previously on XX/XX/XXXX and XX/XX/XXXX I had submitted a request for a mortgage account to be reviewed and repaired based on some concerns that I had noticed. While a couple of errors have been repaired the account still largely remains inaccurate and the bureau has not offered any proof that they are in fact correct. 
I have specifically asked for proof from all three bureaus as to why the " date opened '' for XXXX shows as XX/XX/XXXX but on Experian and XXXX  it shows as XX/XX/XXXX I have specifically asked why XXXX  and XXXX show a " payment status '' as Late 120 Days, Experian shows a " payment status '' as " Late 180 Days '' all on a closed account and XXXX is even reporting an " ok '' payment history clear through today ; again on a closed account. 
I have specifically asked why XXXX shows a " date last active '' of XX/XX/XXXX where Experian shows it as XX/XX/XXXX, and XXXX shows it as XX/XX/XXXX. Still no eveidence of accuracy or correction to the account at all on any of the bureau 's part. 
I have repeatedly asked why the " date of last payment '' is reporting as XX/XX/XXXX for XXXX  and Experian but XX/XX/XXXX for XXXX  and again no response other that " verified as accurate '' or " updated '' with no corresponding proof. 
I also reached out to the mortgage company listed with the address that the bureaus provided and my certified mail was returned not deliverable.