davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (FL)

Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( XXXX ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX
Consumer complaint received 2022-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

This dispute is for the cleanliness of the house. I have contacted XXXX and Capital One. XXXX provided Capital one paperwork showing their cancellation policies timeline, which had nothing to do with the complaint. The complaint was that the house had not been properly cleaned. Furthermore, there wasn't a way to tell that the house wasn't not cleaned properly unless we went to actually see he house, so the cancellation document for the reservation before arriving is not relevant. I am attaching the document provided with the cleaning fee that must be paid before the booking to anyone that rents the property meaning the previous rents paid and what XXXX put on their website and what the owner has on their breakdown about cleanliness of their property. The pictures provided was taken the day we arrived. 

XXXX cleanliness is found on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX % XXXX % XXXX
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sunlight Financial LLC (IL)

On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at XXXX different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were XXXX, XXXX, Sunlight and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.
Consumer complaint received 2022-01-04
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. (OH)

I let Transunion know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX XXXX is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2022-01-04
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I made a transaction with XXXX  and was charged a cash advance fee by Chase for this transaction which was not disclosed. I've never made a cash advance before and never would have made the transaction if I was aware. I asked Chase to remove the fee on a one-time basis but they refused even though I immediately paid the full cash advance balance. 

I did research this online before the transaction and found several websites that stated it's not a cash advance. Chase apparently recently updated their terms of service. I realize I am bound by this, but I am also not a lawyer. 

I realize there will also be interest on the charge which is ok but I am asking Chase to remove the excessive fee as a courtesy given that it was a mistake that I quickly rectified and given my long relationship with the bank.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Spoke to Discover fraud specialist regarding a recent denial letter of a personal loan that I have not applied for. Reference # XXXX XXXX XXXX. How can I prevent fraud from happening, or stop scammer from using my identity.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

I have a new number. When I downloaded Cash App on my new phone to access my account it kept giving me an error message stating my info was incorrect. I do business using my cash app account, so this is completely an inconvenience and poor customer service. I tried reaching out to the company numerous times, emails, calling the number online in which your unable to speak with any representatives. It has been a complete nightmare. Not only do I have funds in my cash app account I also have provided my personal bank account information with a company that I can not even speak to. Please assist me in speaking with someone from this business. Once this issue is resolved, I will NEVER use Cash App again.
Consumer complaint received 2022-01-04
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Debt collection company National Credit Adjusters is reporting on my credit a debt of {$850.00} for an original creditor listed as XXXX XXXX XXXX XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to National Credit Adjusters directly. I sent another letter directly to National Credit Adjusters on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Consumer complaint received 2021-11-29
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)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-11-29
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)

Transunion reported via mail to me that my disputed item ( Bankruptcy ) was verified as accurate but did NOT provide any supporting documentation or proof that the accounts belong to me
Consumer complaint received 2021-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION (FL)

Each time I request they accommodate my XXXX under the ADA they become hostile and argumentative and hang up on me for making a request for equal access as a XXXX person. They say we just go in circles even though I try to move it forward. They have now threatened to close my account if I keep trying to be accommodated. I have specifically requested effective communication within the ADA and an interactive good faith process to achieve a reasonable and appropriate lasting and durable accommodation for my XXXX. When I ask for good faith they hang up in bad faith.
Consumer complaint received 2021-10-19
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: Michael Andrews & Associates LLC (FL)

I received a notification from XXXX on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.
Consumer complaint received 2021-11-29
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. (FL)

A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. 

Also, I need to make Transunion and XXXX aware because I believe this will be reported as well at some point.
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (AL)

In XXXX I suffered a major financial setback and was unable to make payments on my mortgage. I missed a payment and knew I needed help. The lender required me to be 3 months behind before they would entertain a modification. The process took longer than expected, but I never allowed the payment to be more than 90 days late ( 3 months ) and started making the trial modification payments on time immediately. 

The Lender has reported on my credit report 120 days ( not 90 ) as well as continued to reflect our payment as late during the trial modification. Once the modification was finalized we made those payments as agreed until such time as I sold the property. 

Because this was an FHA loan, part of the modification was a partial claim against the MIP. When I sold the home in XXXX of XXXX, that amount was paid back as part of the home 's payoffs. 

I am now attempting to purchase a new home, and because of the inaccurate reporting on the credit report, it appears that I was more than 5 months behind on payments when in fact I was never more than 3 and now I have to wait another year when I have worked very hard to improve my credit, save money and reestablish myself in a more affordable location. Inaccurately reporting the lates is not only causing a delay, but it also makes me wonder, if the amount charged to FHA for the partial claim was incorrect and inflated and if the amount that I had to pay back was incorrect. 

It is unfair to force someone to get behind in order to help them, and it is also inaccurate to reflect a payment as late when under a trial payment. The loan was being paid according to the new trial terms, and then paid under the final modification agreement.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Jon Barry and Associates, Inc. (SC)

On XX/XX/XXXX  XXXX Paragon Revenue GR added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research the accounts was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (AL)

I have filed complaint after complaint against XXXX for not removing a medical collection with Medical Data Systems which I paid in full. Medical Data Systems sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.
Consumer complaint received 2021-11-29
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, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES XXXX. XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX
Consumer complaint received 2021-11-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I applied for a program that im more than qualified for to lower my monthly payments. XXXX XXXX in XXXX and current have bills that is more than I make. I called Sallie Mae and spoke to a women who gave me XXXX options I chose a option to lower my monthly payment and interest. She took a {$50.00} payment and setup XXXX additional payment arrangement. A week later im getting emailed by these XXXX XXXX again saying im denied. I want the plan I applied for. XXXX unemployed due to XXXX and will not be making any payments on this account.
Consumer complaint received 2022-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

I did not apply for a mortgage, I used a mortgage calculator online to estimate a loan cost. Since then I have received non stop calls and emails from rocket mortgage. I have asked to be placed on do not call list and selected unsubscribe to every email I have received. Nothing stops the calls or emails and they continue.
Consumer complaint received 2022-01-04
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. (NY)

Both XXXX and Tranusnion are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zakheim Law Group, P.A. (FL)

XXXX XXXX XXXX has filed a garnishment for a debt that is not in my name. 

This was resolved around XX/XX/XXXX or XX/XX/XXXX. 

They have now Garnished my bank account for a debt that is not mine.