davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

This debt expires XX/XX/XXXX. In the state of Pennsylvania the Statue of Limitation is Four years from the last payment. Attached is the latest 3 agency credit report. As you can see they reported that this contract according to them started on XX/XX/XXXX. The account ending in XXXX, and XXXX, and XXXX. This company has not provided the following : Original Contract with my signature Pay off Disclosure Interest rate Disclosure Balance History Payment History Credit Insurance Now after 4 years of being on my credit by law they must remove this debt from all three credit agencies by law. A letter has been sent to them by certified mail and all they sent me was the attached, again nothing that I have asked for, Nothing! So get this off. My credit immediatly!! If not show me a check with my name on it paying you???? XXXX XXXX wait again!!! times off by law, get out of my life!
Consumer complaint received 2018-08-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
Consumer complaint received 2020-10-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed inaccurate information on my transunion, XXXX  and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-29
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: MRS BPO, LLC (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (CA)

I can't remember the exact date but I know at least 3 to 4 years ago I had disputed an old account from XXXX for {$1800.00} Experian had taken this off my credit report. Now it's back on my credit report and I had disputed again and asked them to show me proof that this account was mines. I would like to see the contract that was signed showing me this I believe this is a fraudulent account. This account was taken off before due to this how can they put this back on my credit report?
Consumer complaint received 2020-06-20
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: I.C. System, Inc. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IN)

I have a citi bank account package ( checking and saving ) opened online on XXXX XXXX. I tried to link this account with my existing citi bank online account, or to register an online account to access this account several times, and also tried to call their service number. The representative went over all trouble shootings, but I still didn't have any access to my account online so far. The representatives keep repeating the same methods, and it's a total waste of my time.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.
Consumer complaint received 2020-10-29
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: ERC (CO)

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.
Consumer complaint received 2020-10-29
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. (CA)

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e XXXX, XXXX and equifax. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like XXXX, XXXX and so. 

Regards, XXXX XXXX
Consumer complaint received 2020-10-29
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. (CA)

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e Transunion, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like Transunion, XXXX and so. 

Regards, XXXX XXXX
Consumer complaint received 2020-10-29
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. (VA)

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed
Consumer complaint received 2020-10-29
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. (VA)

I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed
Consumer complaint received 2020-10-29
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. (CO)

someone used my name to acquire/open an account with XXXX XXXX and this account was ultimately charged off for {$1600.00}. They even used an address on XXXX XXXX in XXXX NY and I never remotely lived in the area. I can not seem to get XXXX to acknowledge this issue and correct it.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NJ)

Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX This is from XX/XX/XXXX I have repeatedly tried to straighten this out with them but they just keep sending the bill through collection agencies. 
Total amount of bill is XXXX When we went to ER I gave them BOTH insurance cards. The emergency XXXX XXXX XXXX  XXXX XXXX did not process the ins properly and therefore I recieved this bill in XXXX. I've talked to them on the phone numerous times. Last time was about 1 year ago I thought this was taken care of but no .... today I recieved another invoice from a different collection agency asking to make a deal and pay {$320.00} by XX/XX/XXXX to resolve a matter that isn't my making. This should have gone through our insurance that we had at the time. It's also messed up my credit.
Consumer complaint received 2020-10-29
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. (AZ)

Transunion Inquiry XXXX XXXX XXXX XXXX This inquiry was not approved or acknowledged by me. Transunion has failed to remove incorrect information on my credit file. I want this incorrect information removed immediately in compliance with the fair credit act.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected XXXX states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} XXXX to the XXXX participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Consumer complaint received 2020-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 I booked a flight with XXXX for my son and I to go to XXXX ( {$3300.00} ). The pandemic then happened and flights were being cancelled. I called Chase on two matters, one being the fight and hotel to XXXX, in XX/XX/2020. I spoke with a representative who stated she was working from home. She told me to reach out to the merchant to rectify the situation. At the time of her telling me this, everything in NJ was closed ( that is why the rep was working from home ). Since she knew everything was closed I thought she was suggesting to wait for things to open up. So I waited. And the governor kept pushing back the date we open. When we did open back up got notified that XXXX is no longer in business and to contact Chase. I contacted Chase on XX/XX/2020 and made a claim and was refunded the money ( {$3300.00} ). 
On XX/XX/2020 Chase did a reversal and took back the {$3300.00} stating I waited to long to make claim. How is this possible when I was told to wait and contact the merchant? This has put a serious hardship on me and my son. I did what I was suppose to.
Consumer complaint received 2020-10-30
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: BARCLAYS BANK DELAWARE (FL)

Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.
Consumer complaint received 2020-10-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (TX)

Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds
Consumer complaint received 2018-08-04
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. (NY)

I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.
Consumer complaint received 2021-01-14
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: Atlanticus Services Corporation (FL)

THERE ARE ACCOUNTS ON MY CREDIT REPORTS RTAHT DONT BELONG TO ME. THE ACCOUNTS ARE FROM : 1 ) FROTIVA MC/XXXX # XXXX 2 ) XXXX XXXX XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX # XXXX
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

they closed my account on XX/XX/XXXX they didn't reopen it even after i follow the rules ( i deposit my wages check they closed it for security and of course they charge me for the check not going trough so my buss called in and verify but nothing has moved since then and they charge each month for my account