davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

Please file tis complain with Equifax. 
Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. XXXX of each the following inquiry must be removed pronto from my credit reports:1. XXXX XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status. 
XXXX
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
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. (CA)

XXXX XXXX XXXX XXXX XXXX is fraudulently reporting wrong balance on my car loan to all credit bureaus. They are repeatedly fraudulently doing this and harming my credit score. The balance is {$4900.00} and they are reporting that i owe {$8900.00}
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

I received an email invitation from Citibank to receive a {$450.00} bonus if I opened a XXXX account and deposited more than {$50000.00} in new money and held it in there for at least XXXX days. I opened the account on XX/XX/XXXX and funded it with {$50000.00} from XXXX. That money has been in the Citibank XXXX account since XX/XX/XXXX. I received an email from Citibank on XX/XX/XXXX thanking me for enrolling in the bonus program for the Citibank XXXX account. I called into Citibank in XXXX after the XXXX days was over to ask about the bonus and was informed that it took up to XXXX days for the bonus to be paid to me and that it was scheduled to be paid to me no later than XX/XX/XXXX. When no deposit was paid on XX/XX/XXXX I called Citibank and was told to wait until the next day to file a Dispute Case. I called back on XX/XX/XXXX and started a Dispute Case ( XXXX ) which I was told would be resolved within XXXX business days. When I called back on XX/XX/XXXX to ask about the results, I was then told it could take a total of XXXX business days and to call back then. I called back on XX/XX/XXXX and there was still no answer with no information on when it would be resolved. I called back XX/XX/XXXX and it was the same as the time before with no update and no information on when it will be resolved. So I am now filing this complaint as I don't have any other recourse.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XX/XX/XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, XXXX copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XX/XX/XXXX
Consumer complaint received 2018-09-07
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (ND)

1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff, XXXX ( hereinafter XXXX ) is a resident of North Dakota. 
3. The Defendant, XXXX XXXX, ( hereinafter XXXX. ), is a Ohio Corporation, with its principle address at XXXX. XXXX XXXX, XXXX, OH XXXX. 
4. XXXX. is the creditor with account ending in # XXXX. XXXX. alleged XXXX owed {$3000.00}. 
5. By XXXX reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
6. On XX/XX/2018, XXXX sent a letter to XXXX. advising to validate the account pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
7. There is evidence the Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
8. XXXX failed to comply with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
9. On XX/XX/2018, XXXX attempted to send a 2nd letter requesting XXXX. to once again validate the account. 
10. The Defendant received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
11. XXXX. responded with a letter on XX/XX/2018, stating the request was determined to be the same dispute and just ignored the request. They AGAIN failed to comply again with the request and has violated the Fair Debt Collection Practices Act Section 807-8 and Violated the Fair Credit Reporting Act Section 623-b. 
12. On XX/XX/2018, XXXX mailed a 3rd letter to XXXX. advising them to Cease and Desist any further contact with him regarding this account. 
XXXX. The XXXX received the letter on XX/XX/2018 at XXXX XXXX. delivered to XXXX, OH XXXX. 
14. The Defendant contacted XXXX via mail regarding the account dated XX/XX/2018, said contact after a Cease and Desist letter is in breach of the law. 
15. XXXX. Violated FDCPA Section 805 ( c ) for contacting the Plaintiff AFTER receiving the Cease and Desist letter. 
16. XXXX. still continues to damage XXXX credit score by reporting this negative and incorrect information to the credit bureaus. 
17. XXXX. has further violated the Fair Credit Reporting Act Section 623 when it FAILED to report to the three major credit bureaus that the account was being disputed by the consumer. 
18. SEE ATTACHED PROOF There are copies of my Credit Reports from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Look under Comments- THEY FAILED TO REPORT THE ITEM AS DISPUTED. This VIOLATES Federal Law.
Consumer complaint received 2016-07-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (CT)

A dispute was filed for a debit card purchase made on XXXX XXXX to XXXX of XXXX, this is a deposit on a vehicle. The dealer was unable to secure the right financing and unable to place order for vehicle, this is a special order for a vehicle not available on their lot.. The time frame for production is 6 to 8 weeks, the car was not ordered and deposit should be refunded. Please note, all this information was included in dispute or should have, it was all explained to rep who took dispute on or around XX/XX/XXXX. I called today XX/XX/XXXX to inquire about status was told an email was sent on XX/XX/XXXX asking for additional information which is more than likely already included in dispute, I have nothing else to explain or inform of. I have received no such email, it was supposedly resent twice and still not received. I wish to reiterate that any and all information was already provided previously to rep who took dispute, its a shame Paypal plays games like this, asking for more information and supposedly resending an email which is not received. Please note, the original email was also not received. Please advise them I need credit for this dispute ASAP and should refrain from requesting info they already have or should have, playing games with their emails.
Consumer complaint received 2018-08-21
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. (WI)

Trans Union credit report displays either a duplication of a hard inquiry or it belongs to someone else. Trans Union refuses to investigate. This information is incorrect and they should not be reporting it as such. Neither XXXX  or XXXX display the duplication of hard inquiry. Also, there is a hard inquiry to quicken loans that is not mine. 

Also, I was unable to print my credit report and tried to go back ( same day within minutes ) but annual credit report stated I had already claimed my free annual report.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NJ)

There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$790.00} Docket # : XXXX Plaintiff : XXXX XXXX XXXX Balance : {$1000.00} Docket # : XXXX Plaintiff : XXXX Balance : {$2700.00} : I even contacted the court house and they said they do n't verify information with the credit bureaus. Therefore, I do n't think a proper investigation was ever done with I disputed these account. XXXX and XXXX already deleted them but it seems that Equifax is in violation of the FCRA.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I disputed incorrect information on my report. They did an investigation. They sent me back a response saying that the information was verified. I sent a request asking fro all information they received to verify the account and I got no response from them. Also after filing my report with you my credit score dropped XXXX points I found this to be very confusing. Noting changed and a drastic drop because I 'm trying to protect myself.
Consumer complaint received 2015-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NY)

I paid off said debt but my credit report still indicates that I currently still have a high balance due ; hence, it is affecting my credit debt percentage. The balance owed is inaccurate.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Equifax failed to provide me with the adequate documents they have on file to verify the accounts I have disputed. From my understanding the credit agencies have 30 days to respond to my disputes. Being that the 30 day mark period has expired without a proper investigation or proper verification of the accounts should promptly be deleted as per FCRA section 611 ( 5 ) ( a ). I would really appreciate if you could take care of the matter as soon as possible. Thank you
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CO)

I am currently disputing a collection company, XXXX XXXX, reporting a medical bill for XXXX XXXX XXXX XXXX of {$270.00} to Equifax. The medical bill is related to a vehicle accident where I was not at fault. When I went to XXXX I requested they bill my XXXX XXXX XXXX insurance which would have paid 100 % and I also called and asked the corporate office to accept the auto insurance and they decline. I gave them my health insurance left me owing the {$270.00}. I requested to process payment 3 times and they failed to do so. Consequently I received a letter from XXXX XXXX notifying me it was submitted to them for collection XXXX XXXX 2016 and if I paid within 30 days they would not submit to credit reporting. I provided payment within this 30 day time frame via my credit card. I thought was taken care of. I am now purchasing a new home and this item is on my credit reports. I asked XXXX XXXX why they reported to credit reporting companies and they said I had failed to include a expiration date for my credit card. I called and asked XXXX why did n't they contact me and let me know and they said it was n't their responsibility. I resubmitted payment in XXXX and asked XXXX XXXX to please retract their submission to the reporting agencies that I had not paid my bill back in XXXX 2016. They said they could n't so I contacted Equifax explained to them the issue and asked they remove and they said they could n't remove from my report that it would have to come from XXXX XXXX. Explained to XXXX the time sensitivity and how I believe it 's unfair that my XXXX score was at XXXX in XXXX and now is XXXX due to this XXXX invoice all because XXXX XXXX would n't send my a request for my credit card expiration date. This has a high monetary impact to financing my new home. It prevents me from receiving the lower interest rate I would be entitled to had my XXXX score still been at XXXX. It 's extremely surprising to me this XXXX bill of {$270.00} has the ability to impact me so significantly on a personal monetary level. I accept responsibility for what I owe and I pay my bills that I know about 100 %. But when you 're not notified of something so minor as a credit card expiration date it makes impossible to pay especially when I thought it had already been paid. I just need help and unfortunately I keep being told XXXX XXXX and Equifax get 30 days to address this dispute when I do n't have that much time to finance my home and there 's is not away to expedite resolution. I 've never felt so helpless in my life. To maker matters worse I was told by a dispute agent at Equifax that if I enrolled in their program " Complete Advantage '' for {$17.00} per month that they would help me work with other reporting agencies to help resolve this dispute. So when I called Equifax today they told me that was not XXXX of their services and they could not do anything until they were notified my XXXX who has already told me they are unwilling to help me. Please help
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service (NY)

On XX/XX/2018 XXXX XXXX XXXX, located at XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX, NY XXXX, sent me a letter claiming i owed them {$49.00} for debt owed to XXXX XXXX XXXX. I never went to this medical lab, and have no idea what this debt is. 

I reached out to them to provide validation or proof of the debt on XX/XX/2018, and i have not heard from them since. 

I am afraid they are sending these false letters to other people in XXXX, hoping to trick people into sending them money they do not owe.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services (CA)

i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).
Consumer complaint received 2015-12-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (CA)

Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc. (AZ)

I had 18 missed phone calls from Thunder Bird Collections within like fifteen minutes. XXXX would call and go to till voice mail and then immediately called back. He also called my grandfather and utilized the same tactics. This was also done after I had told him not to ever contact anyone besides my cell phone number that I provided. Today he even called the place I work when I told him to only contact my cell phone.