davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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)

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX,19. Equifax just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.XXXX Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

Equifax, XXXX, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items are listed in my report. 

I am also a victim of Identity theft and did not make any of these charges. I ask that the items be deleted and corrected on my Credit Reports. 

I reported these thefts of my identity to the Federal Trade Commission and also I enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete and correct all items as soon as possible.
Consumer complaint received 2019-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2019 I purchase a vacation package from XXXX XXXX on line. I choose my vacation dates and I was sent a email stating the resort promised was sold out for the entire year. I called them the next day to canx but they said to wait for a couple of months and things would open up and to be patient. In XXXX I tried again and they said that I did not qualify for this vacation but I could be upgraded to their gold package. Again I tried to canx but they said I could not. I contacted Bank Of America on several occasions and they sent me jumping through many, many hoops and then stating they never heard from me only once. I am so worn out from this fraud purchase for {$99.00}! 
I contacted the XXXX and the company stated it was a accounting error and the check would be sent out right away. Of course it was not. The XXXX reopened the case and again they said they would refund but nothing. Bank Of America has been awful and lacking in customer service skills, they refuse to help! This fraud company keeps collecting money and never refunds and is getting away with it!
Consumer complaint received 2018-01-31
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. (PA)

Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )
Consumer complaint received 2017-11-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

Equifax and XXXX XXXX XXXX failed to validate debt, because Under the laws of the CFPB and KY UCC 9.506 and state XXXX and XXXX, I have contacted XXXX XXXX XXXX myself and have been unable to get them to validate the above referenced debt along with a copy of the required notices by the KY UCC 9.506. 
I have requested information on how the debt was verified by Equifax along with the supporting documentation that they have I have enclose copies of my requests to the XXXX that was sent XX/XX/XXXX, asking them to validate my debt, along with proper notices required by KY UCC 9.506. I have also included copy of the original tracking receipt and confirmation of delivery. I was given no response by XXXX to validate the debt or Equifax
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (TN)

I checked into XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TN, on XX/XX/21 and checked out on time the following morning, XX/XX/21. On the way to the hotel, My American Express Serve Card was charged an initial deposit of {$160.00}. When I arrived at the hotel, the clerk said I had to pay again for the room and the deposit amount would " drop off '' when I checked out. The second charge was {$150.00}. My total bill was only {$140.00}, which came off the initial deposit of {$160.00} and the {$21.00} difference was refunded. However, the second charge of {$150.00} is still on hold though the original charges were resolved by XX/XX/21. I have called AMEX Serve two or three times to get this resolved. They see the resolved transaction as of XX/XX/21. They know there is no dispute with hotel for the {$150.00} but aren't going to refund or credit my money back to my account until XX/XX/21. I believe they were supposed to issue a provisional credit after 10 days. The reps I spoke with would only say the policy changed last year. So, AMEX has withheld and denied me use of my own money, directly deposited from my job, without cause. I can't say a notice was issued to Serve cardholders about the policy change. I looked back through my emails and did not see one.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a charge hit my account from XXXX in the amount of {$10.00}. Within 5 days another charge of {$34.00} was charged to my account as Insufficient funds fee. Then on XX/XX/XXXX, and extend overdraft fee for {$15.00} was charged to my account. I called Chase on XX/XX/XXXX, and asked the to reduce the fee back to the original amount ( {$10.00} ) and I would pay it immediately because I felt it Chase was double dipping on me with the fees. The rep told me that Chase system only allowed them to reimburse me {$4.00}.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent the Credit Bureaus along with this agency ... Certified letter, affidavit of fraud, police report..My ohio drivers license ... and copy of social security number. I instructed the bureaus to valid all debts Public and private with the following according to the Fair Credit reporting act sections : 604, 609, 611 and 613 ... so there was no misunderstandings about my request according to federal laws. I instructed the bureaus to validate my accounts thur Original Documentation..original contracts and signitures. They never producted any thing ... nor would they tell me how there investigation started, or ended. I later called all said " Creditors '' and they advised me that the Bureaus Never contacted them. Whereas the bureaus state that they did a thorough investigation according to fed laws. Please refer to docs sent to this agency that 's on file. The bureaus took some items off ... back they are now still reporting ...
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (NC)

I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (LA)

I have contacted XXXX Companies and Experian on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to XXXX Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with XXXX Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. XXXX Companies and Experian are in violation of the FCRA due to not properly validating the debt by providing the requested documents. Experian did not properly validate the debt and left it up to the creditor to provide a generic XXXX response. I have attached the letter i sent requesting validation as well as XXXX companies   response with a itemized bill attached which does not properly validate this debt.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I applied for and was approved for a trial loan modification in XXXX XXXX with Ocwen Financial. I have made every modification payment on time in full. The Trial Modification ended In XXXX XXXX when I was approved for a permanent modification. I pulled my credit report and found that Ocwen has been reporting my mortgage as late every month since XXXX XXXX. I contacted Ocwen and tried to resolve this issue and was told that according to the agreement that I signed that they would report the mortgage as late. I went over the agreement with them and the credit reporting section states that " if the loan was in default at the time of the modification that they would continue to report it as late ''. I was not in default at the time of the modification. All of my prior mortgage payments were paid on time and in full. I was then told that XXXX payment was not received. I explained that when I went on line to make the XXXX payment that the new Modified payment amount was the only payment option available and they changed the payment due date to reflect the trial modification that I was approved for. I made that payment. I was then told that during the Trial modification that the full contractual payment had not been paid, only the modified amount and they are referring back to the original loan payment amount. This is an unfair predatory lending practice due to the fact that I signed a new contractual obligation during the Trial Modification and they should honor the new agreement they made with me as Payment in Full during the Trial Modification period. Also I was not informed at any time prior to or during the trial Modification that the mortgage payments I was making would be reported as late every month. I would not have opted for a loan modification. I was not having trouble making my mortgage payments. In XXXX I contacted Ocwen to try and see if they could offer me a reduced Annual Percentage Rate and the option that was offered to me was a Loan Modification. I have filed a dispute with all three credit bureaus and the response was that my credit account has been updated. Not changed. The unwarranted lates are still reflecting on my credit reports. I am currently in a real estate transaction. I have a pending offer on a house I wish to purchase to expand my business and I can not get approved for funding due to the erroneous information that Ocwen has been reporting. They have completely destroyed my credit. Any help you can offer would be greatly appreciated as time is of the essence. I have a XXXX XXXX XXXX!!! Thank You.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (KY)

had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (KY)

Mr. Cooper national star has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with lesion team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said  because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MD)

On XX/XX/2019 I saw so many posts on social media about an Equifax Data Breach Settlement that I followed the link and forfeited my right to credit monitoring with the expectation that I would receive {$120.00} settlement check. Subsequently, there have been many comments about NOT receiving a check. I understand now that all of the people that signed up for this will not receive credit monitoring service and that was not very clear in the Equifax Data Breach Settlement website. I think the company took advantage and allowed people to misunderstand what they were signing away just so they would not have to provide the service in the future. 
Im still extremely frustrated by the lack of internal controls to maintain and monitor hacking at Equifax. How does the consumer trust this company to safeguard our most personal information?