davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (OH)

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my credit score on   XXXX   XXXX   XXXX   XXXX   credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
Consumer complaint received 2023-06-02
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint Against : Bank of America Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Sir / Madam, I am writing to make a complaint against the above mentioned financial institution. 
I did inform the bank that I did not authorized the transaction for the amount of {$150.00} ( dated XXXX/XXXX/2016 ) because I cancelled the service with the merchant ( XXXX ) on XXXX/XXXX/2016 and requested from the merchant to refund the transaction for the amount of {$1800.00} ( dated XXXX/XXXX/2016 ). However, the merchant continues to charge my card on XXXX/XXXX/2016 the amount of {$150.00} without my authorization. On XXXX XXXX, 2016 ; I filed disputes for both transactions with the bank. On XXXX XXXX 2016 ; the bank issued a credit for both transactions. On XXXX XXXX, 2016 ; the bank debit my account back with both transactions as fees. 
The bank is refusing to assist me in recovering the money for the XXXX transaction below. I would appreciate your assistance in helping me recover a full refund for XXXX transactions. Thank you, Your time and consideration are greatly appreciated. Thank you, Respectfully, XXXX XXXX XXXX 

Transaction details Account nickname Bank Americard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction date XXXX/XXXX/2016 Reference number XXXX Amount {$1800.00} XXXX 
Transaction details Account nickname BankAmericard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction da XXXX/XXXX/2016 Reference number XXXX Amount {$150.00} XXXX
Consumer complaint received 2023-05-25
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-05-31
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XX/XX/2023 mortgage payment is NOT DELINQUENT!!! My mortgage payment arrives on time every month and the loan servicing department within XXXX XXXX XXXX has processed these on time payments from the FLORIDA DEPARTMENT of ECONOMIC OPPORTUNITY very poorly. They explained that they are swamped and my credit may be dinged and that I may have to dispute. Now 5 months later Im here disputing this inaccurate reporting that has ruined my stellar payment history. My own mortgage company did not have my best interest in this whole situation and its not right.
Consumer complaint received 2016-01-12
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cheadle Law Firm (TN)

I was sued my XXXX University for XXXX loans. I loss the case due to an incompetent lawyer. But my complaint is against apposing attorney XXXX XXXX who represented XXXX. Atty.Cheadle has harassed me with illegal depositions and my best friend as well. I have filed with the XXXX which governs attorney 's. I have also filed a lawsuit against XXXX XXXX and Atty XXXX XXXX XXXX because she took a deposition illegally. The depositions are conducted without a Court Reporter. It is illegal as well to gather data from myself and XXXX XXXX. I have just filed a loan paperwork for falsified loans. In court I loss because my attorney did n't send the exemplars to the handwriting expert and Attorney XXXX asked the handwriting expert to go ahead and make a decision without my writings. My attorney sent them late and the Court had already made a decision. I am writing this complaint to complain about the harassment after the hearing. Cheadle Firm and Law has completely ignored the law and I do not believe that I am the only one the firm practices this unlawful acts upon. I am seeking help asap.
Consumer complaint received 2017-07-14
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: FC HoldCo LLC (AL)

A computer glitch that was   XXXX   problem and not mine caused my inquires to be deleted and they later added then back on without sending out  a five  day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by  XXXX . I 'm asking that you guys step in and put an end to  XXXX  so that they can stop victimizing me as well as others. As a resolution is ask that all my  XXXX  inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back.  <P/>  XXXX   XX/XX/XXXX      XXXX   XXXX    XX/XX/XXXX     XXXX   XX/XX/XXXX     XXXX   XX/XX/XXXX
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma (AZ)

My account under Credit Karma has been hacked and I can't logon to access my savings or checking. Totaling over {$20000.00}. 
Credit Karma set up a Case # XXXX. It's been going on 1 weeksand I have not heard from Credit Karma. 
My Credit Karma account was changed from ( XXXX ) log on to another user under XXXX. 
So, I need assistance to expedite release of my funds.
Consumer complaint received 2023-06-02
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. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!
Consumer complaint received 2021-07-01
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-05-31
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)

XXXX XXXX BANK XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. ] XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-02
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: Experian Information Solutions Inc. (PA)

This company is reporting inaccurate information on my credit report. I have sent letters to this company on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX asking for validation of all debts, and proof of verification. They keep sending me stall letters via email & mail stating that its not me thats sending the letters and refusing to take action. I have also disputed online on XX/XX/XXXX for inaccuracies that I have found on my credit report and on XX/XX/XXXX I received an update that the accounts were updated. They didnt change anything nor did they respond.
Consumer complaint received 2023-05-31
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed from my file : XXXX XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (AZ)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

This company was on my XXXX  and XXXX report. I sent a letter requesting debt validation in XX/XX/2022 and did not receive validation. This company deleted the debt from those credit reports. Now I see that they are reporting on my XXXX report and still have not sent any validation that the debt is mine.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX told me that they do not verify that information. 
XXXX
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I was using my Wayfair card for many years, linked with Comenity Bank, and made purchases and payments electronically. In the midst of covid and selling our home and moving, Wayfair changed their bank to XXXX. On XX/XX/XXXX, I made an electronic payment to Wayfair ( Comenity ) of {$3000.00}. I closed my Wayfair ( Comenity ) account and opened a Wayfair XXXX XXXX XXXX account. I called XXXX and asked why I was not credited the XX/XX/XXXX payment. After I provided a copy of the XXXX XXXX XXXX XXXX, XXXX issued the credit. XXXX 's own Account XXXX, Closing Date XX/XX/XXXX, reflected the XXXX payment. Now, after all the money I have spent at Wayfair for our new home, my customer loyalty means nothing as the current Statement from Wayfair ( XXXX XXXX, closing date XX/XX/XXXX, has a balance of {$4000.00}. It isn't so. 
My Husband is XXXX and I am XXXX so the stress of this back and forth is not helpful. Thank you for helping.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

On Friday, XX/XX/XXXX I received my escrow statement in the mail and upon opening it I was taken aback by the amount of the shortage outlined on the statement. I tried my best to make sense of it, but could not. 

On Monday XX/XX/XXXX, I started making phone calls to both my local tax office and my insurance company, neither of which could help me make sense of what I was explaining. I then reached out to my loan service provider ( Loan Depot ). I spoke with a customer service representative by the name of XXXX in the XXXX service center who did her due diligence to assist me with a problem that obviously occurred in the New Jersey service center. I initially refinanced my loan. With loan depot. In their New Jersey. Office. In XXXX XXXX  XXXX my loan was transferred to their Texas location. After XXXX did as much as she could and could no longer be of assistance to me, I escalated my concern to their upper management who transferred my case to XXXX XXXX an Escalation Specialist who has been working on my case. 
She informed me on XX/XX/XXXX that her superior said that it was the fault of the insurance company, for sending a supplemental bill which in turn prompted them to put the lower amount in their system thereby throwing my escrow into a tailspin. 
On XX/XX/XXXX I had a conference call with XXXX XXXX, Loan Depot Escalation Department, XXXX XXXX, XXXX XXXX and one of my family members who is knowledgeable about the mortgage/escrow process. After going over everything with a fine-tooth comb, the conclusion was that Loan Depot should have made the changes in an obviously flawed system. For your information, I have outlined the order of events. 
Timeline of events are as follows : XX/XX/XXXX Loan Depot received a bill from XXXX XXXX for {$3400.00} XX/XX/XXXX Loan Depot paid XXXX XXXX {$3400.00} XX/XX/XXXX Loan Depot received supplemental bill for {$280.00} XX/XX/XXXX Loan Depot paid XXXX  {$280.00} Upon paying the last amount of {$280.00}, Loan Depot failed to add that amount to the {$3400.00} in their system, therefore only escrowing {$280.00} for an entire year. When my current policy amount of {$5800.00} was billed to Loan Depot, they paid it on XX/XX/XXXX, adding to an already negative account because of their initial mistake. 
I am not asking for them to take responsibility for the current amount owed, just the amount of {$3700.00} that caused the large overage.
Consumer complaint received 2021-06-22
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. (GA)

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..
Consumer complaint received 2023-06-02
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. (PA)

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 2023-04-16
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. (SC)

I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX