davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
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. (SC)

So XX/XX/XXXXTransUnion and XX/XX/XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

I have a chas XXXX Rewards card where I make full automatic monthly payment. On XX/XX/XXXX Chase bank flagged my account for not paying the the bill on timr. I am Not sure why my automatic payment go through. It is their systems fault for not processing right. The balance of {$100.00} did not go process and Chase flagged my account for late payment. Please fix this issue.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX  AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX  AND XXXX.
Consumer complaint received 2019-01-15
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: LEXISNEXIS (FL)

On XX/XX/2018, I noticed there is a Bankruptcy Dismissed on my XXXX credit report. On XX/XX/18, I sent XXXX a certified letter which was received by XXXX and signed for on XX/XX/18, asking XXXX to validate this reporting. On XX/XX/2018, XXXX replied that this reporting Bankruptcy was " obtained from local, state and federal courts though a third party vendor LexisNexis ''. I have a copy of my LexisNexis report being frozen, and also a letter from the United States Bankruptcy Court stating that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies. This letter further states, " The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the Original Creditor, they must remove said information from the consumers credit file. By  stating XXXX verified this information with a third party vendor is a direct violation of FCRA 623 ( a ) ( 5 ) and/or FCRA 609 ( a ) ( 1 ) ( a ).
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Spoke to an escalations analyst on XX/XX/19 who stated that an executive administrator would give me a phone call on XX/XX/19 in regards to the numerous concerns that I have informed Capital One of. As of XX/XX/19, I have still not been given a phone call.
Consumer complaint received 2021-01-13
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/2020 I submitted a dispute for a {$100.00} duplicated charge on my chase credit account from the vendor XXXX XXXX. I am not understanding why chase bank is preventing me from contesting a duplicated charge on my account. The vendor provided them false information about missing data from a visa application which was completely untrue. It is totally impossible to submit visa applications on the vendors website without entering all required fields, their systems would not even allow an application to move forward without the proper file sizes let alone allowing an application to be submitted with missing data. I personally attempted to contact the vendor several times but my contacts went unanswered. When I submitted the dispute to chase they provided erroneous accounts of what actually took place. I followed up with chase bank XX/XX/2020 and XX/XX/2020 as their consumer and till this date they have ignored my requests and have not provided any means for me to refute the vendors claims. I ask you to please investigate.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (NJ)

This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

MULTIPLE County Tax payments were made against my account recently for 5 properties. But 4 of those properties I DO NOT OWN! 

When I reviewed my Escrow account back in XX/XX/2020, I noticed there were 4 EXTRA properties Mr. Cooper had paid Property Taxes on that should not be on my account. I only own one property and my previous lender sold to Mr. Cooper only one property ; therefore, I should only have one Escrow account ( one parcel, one property ). 

Because of the extra 4 County tax disbursements that were made against my account, I also see a very large Escrow shortfall ( over {$5000.00} ). I've made every effort to contact the Escrow department multiple times, but they continue to give me the runaround that XXXX is involved and they can not get any additional updates or feedback on what is happening to my account or obtaining a refund. I've made phone calls almost every other week to the Escrow department and was assigned to an " Executive Escalation Specialist/Manager '', but the updates and timeframes that were given to me have passed and NO NEW UPDATES have been given to me on when this will be resolved. 

I want the negative Escrow balance fixed ASAP. If it can not be fixed in a timely manner, I'd like to be given a new account number where we can start fresh. I DO NOT feel I should have to suer to have to wait for the County to refund the money for an error on Mr. Cooper 's part. 

What upsets me is that this was NOT MY ERROR. In addition, what also upsets me is that their representatives have said we need to wait for the County to refund the money. Mr. Cooper should either provisionally credit our account so that we do not have to see that negative balance OR go ahead and start a new account for us so we can start afresh and not have to experience this MESS they created. This whole incident raises both ethical and legal issues that have not yet been resolved.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I noticed a hard inquiry that was place on my trans Union from XXXX  XXXX XXXX from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (ME)

I have received a letter regarding my BestBuy ( Citi Bank ) Visa card today, the letter was in regards to their monthly automated statements being returned. While, I appreciate the letter and the importance of informing me about this issue, there is one aspect that I have a huge problem with. On the top left hand side of the letter is of course the return address : " Best Buy Credit Services '' .... directly across the page is my COMPLETE 16 digit account number. My complete account number that, by the way, you can read through the envelope if held up towards a light. I have received this exact letter before several months ago and I called and spoke with an CSR who was not able to help at all. 
I think this is a serious issue that can easily lead to someone fraudulently using my account.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp. (OH)

Validation of alleged debt should be the proper documentation Please provide the original promissory note that was signed between us.Documentation to validate debt. 

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.XXXX. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

A response stated to contact another agency. I do not owe any alleged debt sold for a price. If the alleged debt was sold with my private information please provide the 1099c or XXXX XXXX for proper documentation along with removing from credit report.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed bankruptcies on my credit report with XXXX, Equifax and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, Equifax and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (WI)

Related to case # XXXX Although the resolution for my dispute was to remove the satisfied judgement from my record, the same judgment appeared 3 times on my report and LexisNexis only removed 1. I called daily throughout the 36 days it took to receive a resolution, and multiple times the reps assured me that all 3 instances would be removed since they have the same case filing number. Now LexisNexis is stating they 30 days for the resolution though it's the same piece of information they've already provided a resolution for.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, EXPERIAN XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ).

This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. 

I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, EXPERIAN XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, EXPERIAN XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. 

Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). 

Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Consumer complaint received 2023-11-19
Product: Credit reporting 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. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRY 'S DO NOT BELONG TO ME.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 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
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

Please help me to understand what made you close my case, Ditech has not corrected anything, in fact, it has gotten much worse. I sent by email responding to your closed case email, copies of the loan modification and 2 years of payment history showing no missed or late payments. I can send them again if you need. I respectfully request an investigation and recompense. If you are not able to help, kindly direct me to a Consumer Protection Agency that will look into this. Ditech continues to misappropriate my funds in unlawful ways. I have attempted to reason with them so many times, I have lost count. I am XXXX and this continues to be a tremendous hardship for me. Please, someone needs to look into this. Thank you for your time.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MO)

I applied for a credit card with American Express credit card company. They ran two separate hard hit inquiries without my consent. I understand when you apply for a credit card and complete the process. The company would run 1 inquiry in which I agreed upon. This company ran two and this has effected my credit score and it dropped XXXX points. This company dragged their feet on reporting to all 3 credit reporting agencies in regards to my new account established with American Express. I had to call and make a complaint.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. 
I AM A VICTIM OF IDENTITY THEFT. I DONT KNOW WHAT ELSE TO DO. SOMEONE STOLE MY IDENTIFICATION AND DESTROYED MY LIFE. THIS IS A VIOLATON THAT THEY WERE ABLE TO DO THIS TO ME. THESE ACCOUNTS NEED TO BE REMOEVED FROM MY PROFILE. THEY ARE CAUSING ME SO MUCH HARDSHIP
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

I have try to find a common ground on a dispute with XXXX and also requested on reinvestigation with XXXX and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent Barclays a 1099C and they never responded as well. At this point I'm not getting any answers from XXXX nor BARCLAYS BANK DELAWARE. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my XXXX consumer report.
Consumer complaint received 2023-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Back in XX/XX/XXXX we had an assessment completed by XXXX XXXX for an energy efficient home loan thru XXXXXXXX XXXX XXXX XXXX 

When my mortgage servicer received an initial notice of assessment for the program, I was considering they increased my escrow payment by {$3700.00} a month beginning XX/XX/XXXX. 

I contacted my mortgage servicer to find out why the increase in payment. They indicated it was for the window upgrade thru the XXXXXXXX XXXX XXXX XXXX. At that time they completed a new escrow analysis and lowered the payment. My servicer erroneously sent me an overage check in the amount of {$3900.00}, I contacted my servicing company, and they advised me to void the check and they would deposit the funds back to my escrow account. 

I then received a notice that my servicing company was going to pay XXXX XXXX a check for {$13000.00} for my XXXX taxes. My current taxes due for XXXX is {$3800.00}. XXXX XXXX returned the check to my loan servicing company and advised them that they needed to send in a check for the correct amount of {$3800.00}. 

I have since sent my servicing company all cancellation letters of XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX because I am not participating in any program thru the state of Florida. 

Another analysis was completed on XX/XX/XXXX which increased my monthly payment by almost {$900.00} effective XX/XX/XXXX {$6300.00}. I should not have a shortage as I have only had this mortgage since XX/XX/XXXX. 

I have exhausted all avenues in trying to speak to my loan servicer and it is very it is difficult to speak to a human being as the toll-free number is an automated phone call that loops you around and does not allow you to speak to a human that has authority or knowledge to assist me. 

All I am asking is for my mortgage payment to go back to the normal amount prior to all of this nightmare. A reminder that I am not participating in any state funded program of any kind. I can provide you with copies of all escrow analysis I have received since XXXX and also any copies of cancellation letters you XXXX need.