davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (NC)

XXXX is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that XXXX has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & Experian confirmed that all items furnished on my credit report remained that is furnished from the third party XXXX. In addition, XXXX, Experian & XXXX refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, XXXX will NOT furnish documentation that my file is permanent on freeze & suppressed.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

This is complaint number 3 that I am submitting for the same issue with Chase Auto Finance. I am currently XXXX and have a 3rd party insurance company, XXXX XXXX, paying my car payment. Again, Chase states they haven't received payment for XXXX, and the check was sent on XX/XX/22. It has not been processed and they are researching where it's at. I am being told I can call back in 7-10 business days to see if they've found it. I have multiple health conditions that require my attention and time. I shouldn't have to spend another hour on the phone for something they could contact me and let me know about. Each time you call you get someone different who asks about the situation and places you on hold forever to find the right person to talk to. It is undue stress that I don't need with my medical conditions.
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (CA)

XXXX ordered a hard inquiry WITHOUT my signed authorization! Per the F.C.R.A., either have them provide a signed application document with my signature ( XXXX XXXX ) authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Consumer complaint received 2022-02-09
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (FL)

I received a letter dated XX/XX/2022 from XXXX. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. Ally Bank XXXX XXXX XXXX XXXX  have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past XXXX years.
Consumer complaint received 2022-02-09
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. (GA)

XXXXXXXX XXXX billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc. (MS)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My XXXX and XXXX credit report is showing for the last 5 years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear two months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

Weltman and Weinburg and Reis company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified Weltman, Weinberg & Reis Com, LPA XXXX XXXX XXXX # XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX Co sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our XXXX House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (FL)

I submitted a letter to Equifax last XX/XX/2021 and until now I didn't received any response, it is over 45 days so now this is a violation of 15 US Code 1681i ( 6 ) ( a ) Failure to send results of reinvestigation in writing within 5 business days by mail.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

Transunion has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, Trans Union is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.
Consumer complaint received 2022-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

I just ended my 1 year COVID mortgage relief program with us bank. I was told that I would receive a lower monthly payment and a lower interest rate. And most importantly I would have one month before I have to make my first payment on XX/XX/XXXX, XXXX. I called twice in XXXX on the XXXX and and on the XXXX and I was told twice that I do not have to make a payment until XX/XX/2022. I requested that they send me that in writing and they said they couldnt send in email so just wait for a letter that never came. I receive no confirmation that my payments will be lowered and my first payment will be on XX/XX/2022. I called to check in and they now say that my payment is so on XX/XX/2022. They said they have no records saying that I can make a payment on XX/XX/XXXX and all of my payments options still reflect my original mortgage payment and not the new lowered mortgage payment that we agreed upon. I feel misled and lied too from this corporation.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I lived in an apartment with my significant other and child over 2 years ago. We moved out and was charged for carpet removal after other tenants had hardwood flooring already in their units. We were charged for the next person to have wood flooring. We never paid this due to feeling not being responsible for clean carpet because we got a carpet cleaning before move out. I have tried to get this collections account taken off of my Transunion credit report several times throughout XXXX. This year, I called the collections agency UCC on XX/XX/22 to ask about where the debt came from and they would hardly give me any information. I reached out to my former landlord last week on XX/XX/22 and they stated they no longer have control of the debt that the collections agency now has. Told me to call the agency and ask for them to remove the debt. I have never been to the agency or agreed to owing them debt. Also i was told my dispute complaints/results were accurate and that they still would not remove the collections off. I have disputed this over the phone and several times over XXXX XXXX. Today XX/XX/22 was the last day i disputed.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX my home burned down in the XXXX fire in XXXX XXXX, Colorado. My insurance company ( XXXX ) paid out the structure coverage in the amount of a check for {$310000.00} on XX/XX/XXXX, with my mortgage lender ( Chase bank ) as the cosigner. On approx XX/XX/XXXX, Chase provided me with checks covering the XXXX minus {$21000.00} which they stated they are holding against the mortgage balance. 
I am XXXX XXXX XXXX and can not go through the rebuilding process. I am looking for another, smaller home to purchase but being short {$21000.00} is a significant hardship. I am on time with all payments and on a fixed income. I can apply for additional coverage against the structure when I have another home under contract and can go back to allstate with the appraisal stating a structure value over {$310000.00} for an additional 20 % coverage ( approx {$62000.00}, very close to the mortgage balance ). The unpaid balance on the mortgage is {$62000.00}.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022 I received 2 unsolicited debit XXXX cards from TB Bank. I contacted customer service thru the 888 # listed to activate card and spoke with XXXX to let him know I never applied for these accounts and wanted them cancelled. XXXX wanted my SS # which I will not release. I did give him the 16 digit card number on one of the cards and he stated that this needed forwarded to someone else and they would contact me back in 3 to 5 days. On Friday I received insufficient funds notices on 2 accounts. As of Monday, XX/XX/XXXX I received 3 separate large envelopes containing checks for 3 separate checking accounts. In asking around, I also found that I am not the only one receiving these mailings, cards and checks and notices. The customer service line is XXXX and is basically useless. Reporting this since I do not want any fraudulent activity on my accounts. I have already talked to my personal bank and they are on alert for any unusual activity but this TD Bank needs stopped. My father-in-law receiving the same stuff in mail. STOP TD BANK
Consumer complaint received 2022-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

They have been asked not to contact me but, they call me several times a day. The phone number that they keep contacting me from is XXXX. The company 's name is Synchrony Bank. This is from a very old credit card dept. I have kept all the calls on my recent calls for proof of all the calls they have made to me.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation (NC)

I received a XXXX XXXX debit card in the email that I never signed up for with a debit card number, account number, and routing number. When I call the number on the back of the card XXXX, they want me to enter my social security number and other wise there is no way to talk to anyone. When I call the general XXXX bank number on the website XXXX, the automated answer prompts me to email for customer service. When I enter the card number, they say they can not answer questions about the card and to call the number on the back of the card. None of this connects to a live rep, all of this goes in circles and is unhelpful. 

I spent some time and looked up their parent company XXXX XXXX XXXX and eventually found some paperwork online they had filed with a number on it. I called that number XXXX. The representative said she could not help be but could transfer me to customer service for the " card. '' I asked for the number in case it was disconnected. She said that the number does not usually work but she gave it to me anyway. XXXX. 

When the call was transferred to CARD. I gave the representative the account number and card number. Then to verify, she asked for all of my personal information, which made me uncomfortable considering this was a fraudulent account. She then said she closed the account, which was a " premium card account '' but said " there is no process for providing written confirmation. '' This is unacceptable. Not providing written confirmation for a fraudulent account is unacceptable. 

Also, overall, it is almost impossible to connect with someone to close the account.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-09
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. (NY)

To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (PA)

On XX/XX/2022, I contact the company XXXX XXXX regarding an alleged item that is reporting to my XXXX, XXXX, and XXXX report. I requested the method of validation used for this alleged account. As a result, I did not receive any correspondence from the company. I had no knowledge regarding this alleged debt before the company violated my rights and reported the erroneous items to my XXXX, XXXX, and XXXX reports. I have also discovered that XXXX XXXX has also sold my personal information to a third-party company, XXXX without my consent.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from XXXX XXXX to transunion. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.
Consumer complaint received 2022-02-08
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. (IL)

LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX  XXXX. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX XXXX  XXXX THAT MY SSN WAS INVOLVED IN A XXXX  DATA BREACH & FOUND ON THE DARK WEB AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE FTC # XXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.