davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (GA)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

a thief used a phony driver license to steal money from my td bank account at XXXX, nj. The amount was {$2900.00}. I call TD bank every day and they give excuse that it is with XXXX XXXX XXXX.
Consumer complaint received 2023-05-19
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)

XXXX XXXX XXXX XXXX account XXXX was suppose to been closed because I lost my card i called and reported the card lost or stolen it was supposed to been cut off some way the card was being used they were supposed to dispute the charges they were fraudulent
Consumer complaint received 2018-03-13
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. (MI)

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed XXXX, Equifax and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Consumer complaint received 2017-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks
Consumer complaint received 2023-04-14
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-19
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. (NV)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-02
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2023-03-12
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: Bridgecrest Acceptance Corporation (MD)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

15 Im USC 1681 Section 604 A sections 2 : It also States a consumer reporting agency can not furnish a account without my writing instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit plan as a late purpose
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have over paid the monthly payments on this card with the acceptation of 2 payments at the regular monthly fee and the account never goes down. Usually one hundred dollars over should drastically move the balance low. 

I calculated what had been paid and also showing that I had not made charges on this card in the 4 years that the account had been active. 

See the workbook for the breakdown.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

Chime suddenly e-mailed me that my account was closed to to policies, when I looked up the policy it was due to them believing that it's a business account when it is simply my personal account. I've been emailing them and talking to them on the phone about getting my account back and the money within but I'm not getting a lot of answers. I am between jobs right now so all the money I have in the world is in that account and I need it to cover utilities and rent
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update inXX/XX/XXXX. In those complaints I informed XXXX, XXXX and TransUnion of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX XXXX XXXX  Mi. XXXX  '' was incorrect and it has been removed. But XXXX XXXX XXXX Address continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.
Consumer complaint received 2023-05-19
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: Bread Financial Holdings, Inc. (MO)

This is being filed as the company failed to adequately respond to the XXXX  complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. 
After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Consumer complaint received 2023-05-19
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. (MO)

Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX  complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due.

The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.
Consumer complaint received 2023-02-01
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. (PA)

I recently received a copy of three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-01-12
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. (CA)

Back in XXXX of 2020 I filed disputes with all 3 credit bureau. As of today I have yet to received anything from any of them. Can you please tell WHY?. The law is 30 days and it been 4 months. I am confuse as to how it can take so long to send results. I have attached proof of the first disputes I filed.
Consumer complaint received 2015-11-06
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

This complaint is about a re-finance of an existing home loan.  The refinance is through the company that currently has the loan.  They offered the re-fi the first of the year, I applied for and received it, I have the approval letter.  Usually, approval letters have experation dates of up to three months, mine specifically has none and the company does not like that, obviously if they have to sell loan at today's rate they would loose money on the deal.  Since the approval letter came, the agent  XXXX, has put of sending someone to finish the loan.  it has been Eleven months and they still have not done anything.  XXXX, XXXX Supervisor has repeatedly said they will work things out but nothing has been done.  They asked me to reapply, I asked, "At today's rate and will you have the oppurtunity to reject my application?"  He said that it was true and I told them that was not right and that since they made an original agreement they will honor it.  I told them that I was going to make a complaint to the CFPB but they acted like they did not care.  XXXX did not seem worried that I was  going to contact the Illinois Department of Professional Regulation where he must have his Illinois License through.  Carrington Mortgage Re-Finance out of their Florida Office is the place where XXXX and XXXX are located.  I have copies of the original application and the approval letter that show no dates of experation.  I think that they are just waiting for the year to run out so that they can again say, "Well, it is too late to fix anything now!"  About three or four months after I received the approval letter, and many phone calls to XXXX while he still worked at the California office, he admitted that the application had gotten lost on his desk but that he still wanted to work with me and get it pushed through even though he was moving to the Florida Office of Carrington Mortgage.  I was originally assured that this was going to be a smooth process but I was wrong.  All that I want is my original re finance to go through, that's it and Carrington has made it miserabble since they screwed up and hope that I will go away.  The last call, almost two weeks ago, was to follow up on a statement made by XXXX that he would check and see if the dates on all of the documents be changed and updated, would that make the loan go through but I have not heard from him or XXXX.
Consumer complaint received 2023-05-23
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. (FL)

My name is XXXX XXXX and I am writing to file a complaint regarding inaccurate reporting on my consumer report. Attached it my disputes to your company and my power of attorney to assure my disputes are processed without any stalling methods from your company. 

Since I have not received my initial disputes back from you in a timely manner I expect these to be processed and finished within 15 days of reinvestigation.
Consumer complaint received 2023-05-23
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. (GA)

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX inquriy from XX/XX/ ; XXXX XXXX inquiry from XX/XX/ and then there is XXXX inquiry on XX/XX/XXXX 



The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Consumer complaint received 2023-05-23
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. (NY)

Unauthorized Inquires on my and XXXX credit report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2XXXX
Consumer complaint received 2023-05-23
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. (NY)

XXXX and Transunion furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Checking account opened in  XXXX , met all required promotional activities such as {$15000.00} deposit kept in for 30 days and {$250.00} debit purchases within 45 days, account opened for longer than 5 months now, and no sign of my {$300.00} promotional bonus as promised to me.     Called several times, spoke to a supervisor. Promised to have the bonus by  XXXX   XXXX . Please help Citibank keep their word.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/GAP has incorrect information about my account being reported to the 3 credit bureaus. SYNCB/GAP states I was 30-59 days late in XX/XX/2020 on my account.However, I have never made a payment 30-59 days late.
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i keep asking to have the wrong address removed from my report which is not even spelled correctly and is a XXXX XXXX and not a home address and they continue to update it or put a new XXXX XXXX address similar to the one i continuously ask to be removed. 

which is : XXXX XXXX XXXX XXXX, XXXX XXXX NY and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX none of these addresses are mine. i dont understand why transunion will not remove
Consumer complaint received 2017-07-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XXXX We have tried to fix this issue with Nationstar Mortgage. They sent me a response with the wrong recorded paperwork from the State of California and XXXX XXXX XXXX. I have attached the correct paperwork to this file. We were told when the State of California and CFPB fixed the issue with the fraud that if we were to experience another hard-ship we could apply for another modification in the future. We have submitted a request and Nationstar Mortgage referred us to the new loan department as they could not do another modification.
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Like many young college students, I fell for the temptation of federal loan programs and the allure of instant assistance with education expenses. I was always told as a child that education was the best investment and I wanted the best education I could get. I really didn't appreciate consequences at the time. Over the years, I have made every effort to work with first XXXX XXXX and now Navient to repay these loans as responsibly as possible. In the past 13 years, since Navient has had my account, I have paid {$36000.00} on an original principal of {$73000.00}, yet somehow my current balance is {$73000.00}. I have literally given them almost half of the loan amount and ended up only moving my total debt by less than {$300.00}. That is INSANE! And criminal. I have called so many times over the years, been on hold, argued, cried. I've felt deeply depressed and hopeless. Every time I ask for help getting this loan paid ( advice on payment plans, adjustments to my payment arrangement et ) I end up with another, more hopeless arrangement with Navient. At this rate, I will literally die before this loan is paid which makes me think " what's the point ''? I am so discouraged. I am not wealthy and I don't qualify for hardship loans, but I am furious that having paid so much, I have gotten so very little in return.