davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

Related to complaint XXXX. 

CitiBank offered to review my account to reverse the credit decrease. I just got a letter explaining that they will not reverse the credit decrease. The letter is attached. In it, they state that I had XXXX late payments. The XXXX payments in question were XX/XX/year>, which was paid 6 days after the due date. This was still in the grace period as I get paid bi-weekly and needed to wait for my paycheck. This was reported to the credit bureaus as paid on time. The second payment in question is this month, XX/XX/year> ; this was paid today ( again, had to wait until Friday for my paycheck ) and was 5 days after the due date, still within the grace period. In addition, CitiBank is improperly recording payment history. This is shown in the second attachment. The payment history shown on my account only shows 2 months of payments : XX/XX/year> and XX/XX/year>. With both factors, it is clear that CitiBank is manipulating their determination in reversing the credit decrease. This also shows that CitiBank is manipulating the reporting to credit bureaus as well as their own payment history, shown on my account. As stated in XXXX previous complaints about CitiBank, they are circumventing credit reporting and crediting regulations.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian, I need to update my address on file. 

Please see attached. 

It includes - letter, drivers license, social security card, proof of address. 

Please have this updated as soon as possible. 

Thank you
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

I have contacted all 3 credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Request for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Go Companies, LLC (MS)

I was working with a mortgage company on getting a mortgage loan for a new construction. They knew the terms and conditions of the loan for months. I agreed to getting an appraisal of the land for {$590.00} before closing on the loan under the impression that everything was okay. The day before closing, I was informed that they could no longer do the loan. They will not refund me my {$590.00} back.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

About a year and a half ago I opened a credit account with paypal.com. I charged a debit for an XXXX with their account services from an online retailer named XXXX The XXXX never came. I was still charged the debt for the purchase. Can you please look into the purchases I've made at PayPal.com to end the debt suppression this company has imposed. If you need me to fill out every purchase that the imposed the debts about I will do so but the company is running a fraud scam. Everyone involved in this debting scam should be indicted. Thanks.
Consumer complaint received 2023-06-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$130000.00}, XXXX XXXX XXXX Balance : {$38000.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
Product: Credit 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: JPMORGAN CHASE & CO. (OH)

I placed an order on XXXX on XX/XX/2023, and was charged {$610.00}. XXXX only sent a part of my order ( two items missing ) but charged the full amount. I contacted XXXX regarding the incompleteness of my order. XXXX did not acknowledge this incompleteness and provided shipping information saying they sent them same time but in two packages. We only got one ( proved by our doorbell video ). I proposed to provide that video but XXXX refused and closed my complaint. Thus, I contacted Chase to dispute the charge within the 60-day period. Chase later responded with a letter saying there was no error in the transaction because XXXX provided them with an order invoice. That order invoice is apparently insufficient to prove XXXX delivered all items to me. Then I filed a claim on XXXX  against XXXX and exchanged the evidence we had with XXXX  and XXXX. XXXX did their investigation and confirmed the two missing items were never sent to us ( which can be proved by my XXXX communication record ) and agreed to refund us the value of the items {$250.00}. I waited a couple of weeks and did not see the credit in my Chase account. Then I contacted XXXX again and XXXX replied saying they failed to issue the refund because of a chargeback and asked me to contact Chase. It took a long time to go through all these communications and the last time I heard back from XXXX was in XXXX already. Finally, I contacted Chase on XX/XX/XXXX, and XXXX took my phone call only saying there was nothing they could do because that happened too long ago. I told her Chase used the wrong information to make the decision and XXXX has acknowledged their mistake and is willing to refund but they need Chase to be involved for the refund. XXXX decided to do nothing further and told me her decision was final and I have no way to file a complaint on this decision. Luckily, I know my rights as a consumer. Thus, I am filing this complaint here to request Chase to process the refund of {$250.00} as XXXX agreed.
Consumer complaint received 2022-10-18
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)

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MS)

Mr. Cooper Mortgage. 

Laon Number XXXX Mr. Cooper has been has been having issues with their portal and it will not allow customers such as myself access the portal to make a payment. I spoke with XXXX out of Texas and asked if she she could take a payment over the phone on XX/XX/2024 at XXXX XXXX Central Standard Time and she stated that the server is till down. 

I also tried downloading the mobile app and the service will not allow me to make a payment. This has happened before and has caused a negative reporting on my credit bureau which is goes against the HUD Justice 40 Initiative to provide access to fair housing payments and reporting. 

This issue is also preventing me from leveraging my credit as a person of XXXX home owner by preventing me from making a payment on my mortgage as a veteran.
Consumer complaint received 2023-09-05
Product: Credit reporting 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)

My name is XXXX 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 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Wrote companies on XXXX, XXXX, XXXX, XXXX, and XXXX, informing them that these accounts are not mine and requested that the original contract with my wet signature and date be sent to me, and I have not received them. I also discovered that neither company is authorized to collect in the state of Florida. 

Companies that are wrote : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OH)

I recently reviewed my credit file with XXXX, XXXX, and XXXX XXXX and noticed that there has been several accounts reported as a charge off. According to the IRS an unpaid charge off is considered as income, By law according to the FCRA income can not be reported to a credit file. Since the creditor has filed a 1099C ( Cancellation of debt ). The accounts should no longer be reported on my credit file. I have disputed this matter with the creditor and the XXXX credit bureau 's and the accounts seems to remain. Any assistance you can provide will be greatly appreciated, I have provided the creditor and the account numbers below, XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX  Account Number XXXX Best Buy Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

I signed up with Lexington Law Firm hoping they would help me to repair my credit by disputing and clearing up items on my credit. I contacted them after the first month telling them that credit people were now threatening to come after me and they said thats typical. After the third month I asked to cancel my subscription which they tried to get me to keep paying them and just be patient. There was NO help to my credit score, if anything it dropped. I paid them {$130.00} in XX/XX/2022 and XX/XX/2022 as well as {$130.00} in XX/XX/2022. I want my money back from all services not rendered.