davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'XXXX XXXX ' to my XXXX XXXX XXXX XXXX XXXX Upon receiving an unusual activity alert I immediately froze my account and called XXXX XXXX. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped XXXX points. I have called Equifax to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets (ID)

XXXX @ XXXX XX/XX/XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a Master Card through XXXX from XXXX to XXXX and Western Assets was handling this account and that I had made Payments, I have never had a Master Card nor have I ever Singed anything authorizing the use of a Master Card account and I made no such Payments.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Ive opened the account online because Im the pandemic time everything was closed and they told me to do online. I received my stimulus check of {$1200.00} since I had no other bank and cant go out so I MOBILE deposited the check ( {$1200.00} ). After few days my unemployment money started coming in the account. In the meantime theyve placed block on my account for FRAUD. They didnt send me email, mail, or any call. I had no idea about it. I started working that time also because my bills and everything. 
One day I deposited {$90.00} in the account and couldnt get access to it called them since THEY DONT KNOW ANYTHING ABOUT THE ACCOUNT OR THE MONEY THEY KEPT FROM ME. 
I had {$1000.00} in the account when I call they keep transferring my call and disconnected. 
After 3 long months I kinda found out that they blocked my account for {$1200.00} check FRAUD which came from government. I have every single piece to prove that wasnt fraud. 

They are not working properly with me and kept my hard working money.
Consumer complaint received 2021-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

My wife and I applied for refinance from Freedom mortgage. 
We signed all the paper work and closing on XX/XX/2021. 
According to the closing document my first payment of {$1400.00} will be due XX/XX/XXXX. About 3 weeks into closing, freedom mortgage called to say the bank could not finance the deal so we have to pay the old mortgage amount of {$1600.00} for XXXX while refinance is redone. 
This was communicated over the phone whiles most other previous info was via email. 
I tried reaching out to my loan originator XXXX XXXX XXXX several times though calls and leaving message in his voice mail but no response. 
Why will the bank not pay? 
Why am I been called upon to pay XXXX mortgage via phone? 
Why my loan originator not communicating with me? why with such an important info, Freedom mortgage decided to communicate via phone ( which is ok ) but not official through email for my records?
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

A follow up to my existing case with Chase bank I have still not received the receipt of wire that has been requested on at least 5 occasions from Chase. I subsequently found out that the account the wire went to was a fraudulent company and i made Chase aware of this over a week ago. The XXXX bank in question will not discuss the matter with me as I am a third party and Chase as my financial institution are the only ones able to address this on my behalf. I have spent hours on the phone, at the branch and writing secure messages and i have still not had one person contact me about the fraud or even been able to by given a department, number or person who I can talk to, to take action. I have spoken to at least 20 people who each refer me to another department where I am always told it is not them. I have asked for a clear copy of the process that supports the handling of such issues and no-one can provide this. I'm sick of being lied to and passed off and I am talking to attorneys to decide who I will use to sue Chase for dereliction of duty and gross incomitance. Note that the FBI are involved in the case. 
Every call I make I hear the words ' We appreciate your business and value the opportunity to serve you '. A complete lie as no-one is serving me! Who is vetting and auditing Chase bank processes and systems to ensure that they are robust and effectively support the services they are selling?
Consumer complaint received 2021-03-05
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. (TX)

There are two XXXX XXXX card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have an existing complaint with your office. Re : Loan number XXXX with Carrington Mortgage Services , LLC . The case is still pending I received a letter today XX/XX/2021. The letter mailed to me is dated XX/XX/2021 indicating that I withdrew my application. This statement is not true. I never withdrew my application. I am requesting that my statement that I never withdrew my application be included in my pending complaint.
Consumer complaint received 2021-03-05
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. (TX)

An account for XXXX XXXX with a balance of {XXXX} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.
Consumer complaint received 2021-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (WI)

The account with GATEWAY ONE LENDING AND XXXX  Address : XXXX XXXX XXXX XXXX CA XXXX Date Listed : XX/XX/XXXX Has been resolved XXXX and I still haven't received the title for the XXXX XXXX XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX disputed the matter. 
I am debt free on this account.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I have sent this company certified letters, documentation requests, and have not received the proper validation paperwork. This company is stating I owe charges for an apartment that is keeping me from obtaining proper housing. I have noticed that this company is also reporting inaccurate amounts to credit bureaus. Company is adding interest to the debt they claim I owe and reported different balances to the credit bureaus.
Consumer complaint received 2021-03-05
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. (NY)

On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XXXX  is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-05
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. (GA)

I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I have disputed a charge from Convergent Outsourcing 3 different times. I have never had a XXXX  account and have asked that this collection be removed from my record. 

They respond and say they have " verified '' that it is my account without any proof whatsoever. 

I am requesting that they provide PROOF that this is my account. They can't and I need for it to be removed from my credit record. 

Thank you.
Consumer complaint received 2021-03-05
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. (TN)

On XX/XX/XXXX I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. They responded with a letter stating they verified this item through XXXX XXXX. I went directly to XXXX  XXXX to dispute the items in question and XXXX XXXX could not verify the items s because they were not in their database nor have they received a dispute from TransUnion. 

I then went back to TransUnion on XX/XX/XXXX and showed them the letter from XXXX  XXXX stating there are no bankruptcies in XXXX  XXXX  database informing them if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

These 2 items needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NY)

I have finished paying my car loan with Gateway One Lending and Finance ( a XXXXXX/XX/XXXXcompany ) back in 2017. 

Gateway One Lending and Finance went out of business, and Santandar Bank bought them. Santander claims they do not have the lien of my car. 

I spoke to DMV - they state that they never received a notification from neither bank confirming my car loan was paid - DMV needs a lien release from Santander. This is done electronically. 

I am attaching two documents to prove I paid my car off.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Upon reviewing my credit report in XX/XX/XXXX I noticed Bank of America had to account numbers listed. One account appeared " closed by consumer '' which I did not close and a new account was opened. 
I then went on Bank Of Americas website that verified the last four digits of the account that was closed. I requested all applications, statements to rectify this situation. Bank of America could not produce in a letter I received on XX/XX/XXXX the letter stated the information my have been lost due to a conversion. I then called customer service XX/XX/XXXX and spoke with XXXX who informed me that this may have occurred to a data breach Bank of America experienced. I was never informed of a data breach nor did I close an account and request a new account to be opened which was done.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

In XX/XX/XXXX I noticed a larger monthly payment for Home Depot. I called Home Depot customer service and Spoke with a representative who informed me that there were two accounts in my name. The account was opened when home Depot had a breach in XXXX, all transactions default to my bill. I requested information on the other account along with transactions, statements all receipts for both accounts. I still have not received any response. I sent a follow-up certified letter and still have not had any response pertaining to my request for documents. I have filed a police report.
Consumer complaint received 2021-03-05
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. (TX)

There are two late payments listed on a XXXXXX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Consumer complaint received 2021-03-05
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. (TX)

There are two late payments listed on a XXXX XX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

I paid the settlement with Westlake Financial. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

I am concerned that I received an email from my homeowners insurance company that LoanDepot has not paid the insurance premium via escrow. I tried to call LoanDepot and inquire however no CSR could find our information. 

Out Mortgage Loan # XXXX The property address is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please advise.
Consumer complaint received 2021-03-05
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. (TX)

There is an account listed with XXXX XXXX as a charge-off, with a credit limit of {$750.00}, but it's listed as being charged off in XX/XX/XXXX, even though there are no balances listed for XXXX at all and a last payment listed of XX/XX/XXXX with pays as agreed status through XX/XX/XXXX. The claimed balance is {$1000.00}, even though there is a listed limit of {$750.00}. I've requested this be corrected to remove the charge off status and late payments, as the last correct information is my full payment on XX/XX/XXXX, but no one from any of the XXXX credit bureaus or XXXX XXXX has helped at all. Please have this negative information removed expeditiously.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC (MD)

Cedars Business Services continues to report fraudulent information regarding an account that was paid off. The original creditor XXXX University agreed that the tradeline would be deleted, and the creditor refuses to do so. I have documentation proving this agreement for payment.
Consumer complaint received 2021-03-05
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: Bread Financial Holdings, Inc. (TX)

Unauthorized soft inquiries for online promotions. I never authorized these and Im not associated with any of these companies. 

XX/XX/2020-> COMENITYCAPITAL/XXXXXX/XX/2020-> XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -> COMENITYCAPITAL/XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.