davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

I have a Kroger 1-2-3 Rewards Visa card, issued on XXXX/XXXX/16 by U.S. Bank. Points are assigned, based on a XXXXcategory, XXXXpoint system : XXXX point per dollar of net purchase outside Kroger XXXX ; XXXX points per dollar of net purchase inside Kroger XXXX ; XXXX points per dollar of net purchase of Kroger brand products. 

On my Visa account, XXXX purchases made inside Kroger Store # XXXX XXXX {$59.00}, posted XXXX/XXXX/16 and {$12.00}, posted XXXX/XXXX/16 ) were designated incorrectly, as though the purchases were made outside a Kroger store, in spite of the fact that the statement shows the purchases were made inside the Kroger store. These place-of-purchase errors resulted in an understatement of reward points. Specifically, the first error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$59.00} x XXXX points = XXXX points ) ( Wrong : {$59.00} x XXXX point = XXXX points ) [ Net Understatement : XXXX points ]. The second error, on XXXX/XXXX/16, resulted in an understatement of XXXX points ( Correct : {$12.00} x XXXX points = XXXX points ) ( Wrong : {$12.00} x XXXX point = XXXX points ) [ NET Understatement : XXXX points ]. In total, U.S. Bank/Kroger owes me XXXX more points. 

Since my account opened on XXXX/XXXX/16, I visited the website ( XXXX ) every day and therefore know when U.S. Bank/Kroger posted a purchase transaction ( on the Account Activity screen ) and whether the purchase was designated as inside Kroger or outside Kroger, by seeing a change in the accumulated points in each of the XXXX categories ( on the Rewards Center screen ). When I saw the first place-of-purchase error, I ( a ) printed the Account Activity screen and the Reward Center screen, ( b ) began documenting the actions I took to try to have the errors corrected, and ( c ) printed the XXXX screens thereafter when the next transaction posted. Therefore, I have proof of these errors, and XXXX continue to visit the website daily in hopes that the errors I reported have been corrected. To date, I have spoken to XXXX people at U.S. Bank ( on XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ; XXXX/XXXX/16 ) and XXXX person at Kroger ( on XXXX/XXXX/16 ). All have passed my issues to someone else, thereby thwarting my efforts to speak directly to someone who has the authority to correct the errors and who can tell me when the errors will be corrected. The errors have not been corrected. Furthermore, I was given conflicting information about who assigns points. I asked XXXX different people at U.S. Bank : " Which company -- U.S. Bank of Kroger -- assigns points to a category? '' I was told, " U.S. Bank '' by XXXX person, but told " Kroger '' by the other person. When I spoke to a representative at Kroger, the answer was " U.S. Bank ''. It seems as though I am getting the run around. To date, the errors have not been corrected and I have not received a phone call, an email, a text, or a letter regarding the errors and when they will be corrected.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AR)

I am writing this letter because for years I have been back and forward with my mortgage company over my payment history. The loan that I have with Carrington Mortgage, I have made complaint with the XXXX, and in the dispute going through them they stated that there was nothing more that they could do, but advise me to go further on it. There are a lot of complaints on the company similar to my situation. I modified the loan and every since I have had problems even with it, it seems like around the first of every year it they say I owe them a lot of money. I have constantly been going through receiving intention of foreclosure letters and once the company sent me a check back. Now, I have noticed some miscellaneous charges on my account. I have always sent money whether I was working or not. The company also have placed on my credit report that I have filed bankruptcy with them. The information is false I never filed bankruptcy on Carrington Mortgage. I have even had representatives to tell me that I am on a adjustable mortgage, which is not true. I need someone to please help with this. The mortgage company for some reason when I send money they will place it in a suspense account and not apply everything to the loan and when they state that loan late there is still amount in the suspense account. I have used all resources in paying my mortgage, even though the company states if not working I can contact to set up something to help for the hard times, but that does not seem to help, because I tried once when I was unemployed to receive help. This was done before I finally was approved to modify the loan, which I was put through if my ex- husband did not sign they could not do it, but in their rules it stated that if divorced and other things was an exception to that which I was divorced and I and ex was not on speaking terms. I received in my mail today a letter stating that your home is at risk of foreclosure. A non-judicial foreclosure may be initiated 10 days from the date of this letter. The mortgage company right now is stating that I owe {$3300.00}, which they never can explain to me how. I am constantly sending in a payment on mortgage. I even question if a payment was misapplied somewhere else.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Focus Holding Company (TX)

XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Consumer complaint received 2016-01-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.
Consumer complaint received 2024-09-04
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have XXXX fraudulent accounts that were opened in my name with XXXX XXXX XXXX XXXX XXXX. I 've notified XXXX XXXX XXXX XXXX XXXX of this as well as the Transunion. I 'm not sure as to how someone obtained my personal information. I even sent them a copy of my Identity Theft Report Affidavit and they have failed to remove this account. I am not responsible for it and it is bring down my credit score. This has been disputed since XXXX 2016.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

After receiving several offers for credit card from southwest chase credit card. I called one day to inquire about the card. I spoke with a woman, she told me about the card, and as an incentive to become a customer she said that the annual fee of XXXX would be waived. After hearing that I applied and was approved for credit. I got my card in the mail, and activated it, got the app and check balance periodically. Today, I checked my balance on my app. I noticed the annual fee was charged to my account. Which I figured was a mistake on there end. So, I call and speak with a CSR, a guy who I should have gotton his name, was not helpful and was VERY unprofessional. His tone of voice was absolutely despicable. I felt as I was his child he was reprimanding. I told him about the fee and he continue to say you didnt see what was being said when you applied, it said that, we dont do that. No customer or any human being or XXXX an animal should be spoke to like that. He needs to be retrained. I asked to speak to a Supervisor, which she was not helpful at all. She acted as she looked into and did not see anything. I felt if she would have did some digging then she would have been able to assist me. I felt as she did not want to help me and I was a bother to her. Being a new customer and being treated as I was, this leaves a bad taste in my mouth and have me wishing I would have never got an account with SouthWest Chase. I wish I can close this account but I can not, I got a hit on my credit getting the card and if I close it so soon, it will be bad on my credit. I feel stuck and no way out. I will warn others and inform people of my experience, so others wont get trapped like I am.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom It May Concern, I am writing to address discrepancies I have identified on my credit report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate report. Please investigate the following accounts and provide supporting documentation : - XXXX  ( XXXX XXXX XXXX  ) - XXXX  ( XXXX XXXX XXXX  ) If the information can not be verified within 30 days, I request that these accounts be removed from my credit report. 

Please send the results of your investigation to me via email. For verification purposes, I have included a copy of my passport. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

RE : ACCESS TO MY TRANSUNION CREDIT REPORT. 

Last night I DOWNLOADED A COPY ( OR SO i THOUGHT ) FOR MY PERSONAL FILES AND TO PRINT LATER. WHEN I GOT READY TO PRINT THE CREDIT REPORT, I RECEIVED AN ERROR STATING INVALID FILE STRUCTURE. please see attached pdf for detailed screenshots. i am unable to go back to transunion or XXXX and download another copy. 
I understand the policy is you get the XXXX chance to download the file and it is stated to print of download a copy for XXXX 's files because of not being able to go go back and access at a later time. BUT I did download my report and as you can see in the attachment it appears I legitimately have my transunion credit report downloaded as a PDF - i.e no error messages are present NOR did I receive error messages while downloading. SO i exited transunion to go to next credit report. I would like to be able to get a copy of my report and do not feel I should have to pay. please feel free to contact me at : XXXXXXXXXXXX or cell phone XXXX
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have had several errors removed from my credit report from Transunion. There reaction was to remove the errors but drop my score XXXX points. There is now a almost 100 point difference between Transunion and other agencies. Is that ethical? How can removing an error result in a decrease in the credit score. 
It would be very kind if you could advise me if that is ethical behavior. If not, can any action be taken. 

Thank you in advance for your help and support. 

Kindest regards, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

For the past months I have tried to reach out to your company to have these items reviewed, investigated and removed - none of which you have responded with good concerns. I have been struggling with getting credit approvals because of this items reporting on my file, and I need you to remove them as soon as possible.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with XXXX Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of XXXX XXXXXXXX for over XXXX years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/2024, was returned due to insufficient funds in my XXXX XXXX  checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from XXXX XXXX the XXXX period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/2024, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to XXXX XXXX, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from XXXX XXXX  about the failed payment. 
I took immediate action to make the payment once I became aware, well within the XXXX mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that XXXXXXXX XXXX  correct this error and remove the late payment from my credit report to prevent further damage to my credit score. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i do not own this account anymore please remove it from XXXX, transunion and XXXX credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score. Please update account and delete.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have received a credit report from Transunion. This reporting agency continues to violate the rules of reporting adverse information. Especially, when it is clearly seen the opening dates and closing dates are beyond 7 years, or the accounts are closed by the creditors, or charged off. I want this information deleted and my FICO score to not suffer any more damage because of their inability to follow the laws of reporting accurate information and to update my credit report.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit inquires were removed then reinserted. Customer service reps refused to rectify the call. I have been hung up on, transferred to the wrong dept and refused by a Representative to speak with a supervisor. Unacceptable!
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : XXXX Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX XXXX XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX