davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The name XXXX XXXX XXXX should not be on my credit report. I have never used that name. I want it removed from my credit history. 

Also, XXXX XXXX is appearing on my credit report and this creditor abandoned the account inXX/XX/XXXXthey stopped collecting payments from my bank account. Previously I had made payments monthly from XX/XX/XXXX to XX/XX/XXXX The balance history is also wrong. 

XXXX XXXX  and XXXX XXXX credit card services forgave my debt and issued me a 1099 for XX/XX/XXXX of the amounts forgiven. They need to remove the debt from my credit report T. 

Finally, my credit score dropped 21 points in one day even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. I want my credit score restored. 

Also, the fraud charges of an XXXX credit card that I never received and never used are still showing up on my credit report. XXXX credit cards are operated by bank in Maryland called XXXX XXXX. This needs to be removed as well and my {$300.00} deposit refunded to me immediately.
Consumer complaint received 2022-11-14
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 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 XXXX XXXX Code XXXX 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 2021-03-22
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. (CA)

The name XXXX XXXX XXXX should not be on my credit report. I have never used that name. I want it removed from my credit history. 

Also, XXXX XXXX is appearing on my credit report and this creditor abandoned the account in XX/XX/XXXX they stopped collecting payments from my bank account. Previously I had made payments monthly fromXX/XX/XXXXto XX/XX/XXXX The balance history is also wrong. 

XXXX XXXX and XXXX XXXX credit card services forgave my debt and issued me a 1099 for XX/XX/XXXX of the amounts forgiven. They need to remove the debt from my credit report T.

Finally, my credit score dropped 21 points in one day even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. I want my credit score restored. 

Also, the fraud charges of an XXXX credit card that I never received and never used are still showing up on my credit report. XXXX credit cards are operated by bank in Maryland called XXXX XXXX. This needs to be removed as well and my {$300.00} deposit refunded to me immediately.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted an online dispute on XX/XX/2021 with Experian for a XXXX credit card account. I received a 1099-C ( Cancellation of Debt, Code G ) from the IRS in the amount of {$1900.00}. I filed and claimed it as income. The creditor is no longer attempting to collect and the file needs to be deleted from my credit report per reporting guidelines. File was updated on the XX/XX/XXXX with the balance increasing from {$2300.00} to {$2400.00} and the file was still in charge-off status and balance updated with a past due amount of {$2400.00}. Submitted a second dispute with uploading the 1099C document on XX/XX/2021. File was updated and not removed on the same day with a CLS ( closed ) status with bureau Comments : {$0.00} written off and shows a past due balance of a different amount than the previous dispute investigation results of {$2400.00}.
Consumer complaint received 2021-03-22
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. (CA)

Back in XXXX Comenity Bank/ Victoria secret card reported that I had filled Chapter XXXX bankruptcy in error to XXXX credit bureau. After been aware I reach out to XXXX to submit a dispute as well reach out to comenity back to heave them fix the error they had caused. 30 days after the investigation from XXXX nothing was resolved, my credit stayed the same with conclusion from them saying the info on my repost was correct. After getting the investigation results from XXXX I reach out to Comenity bank, they kept giving me the run around saying they had already updated the Info XXXX. I kept disputing the errors with XXXX over 4 times, till finally in XXXX of XXXX I was able to get a letter from Victoria secret explaining the the error and sent it over to XXXX. The remarks had been removed from my credit and the chapter XXXX bankruptcy was gone. After only a few months the remarks came back showing the bankruptcy again, and again I file a new claim with the letter that was sent to me from Victoria secret, results came back with no resolution. At this point I have exhausted everything I feel I can do. This has cause me so many problems when it comes to buying a home, my credit is showing inaccurate information.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding an issue with my credit report. Upon reviewing my credit report through my report provider, IdentityIQ, I discovered that there is no data, scores, or other important information present in my report. 

This missing information is concerning, as it affects my ability to monitor my credit status and ensure the accuracy of my credit history. I rely on this information to manage my financial well-being, and the absence of such critical data hinders my ability to make informed decisions. 

I am requesting that XXXX, XXXX, and TransUnion promptly investigate this matter and take the necessary steps to resolve this issue. I would like my complete credit report, including all relevant data and credit scores, to be accurately reflected and accessible through IdentityIQ.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX, my CHASE checking account was restricted and I was told the account was pending closure. 
On XX/XX/XXXX, the account was officially closed. In the latest statement, the final transaction only showed 'withdrawal ' without any explanation and date or who withdrew it. 
On XX/XX/XXXX, the branch banker told me that I needed to wait for another week for the check to be issued. 
On XX/XX/XXXX, the banker of the branch told me that they could no longer mail me the remaining final balance by check because my transaction involved fraud. My friends did not dispute the transaction after asking. 
On XX/XX/XXXX, the manager of the branch asked me to notify each friend who transferred money to me one by one and asked them to call their own bank and then dispute their transaction. Their bank needs to do a source of report research request. However, the bank 's customer service on the phone told me that my transaction was still under investigation and the funds were still on hold. They didn't know how to deal with it next, but it was almost a month since the whole incident happened.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

My loan has been sold several times and the latest is Rushmore Loan. 
Since XXXX of XXXX I have been paying extra escrow payments for their required 2 month cushion. 
Since they have obtained this loan to date XX/XX/XXXX I have paid in a total of XXXX and every year at escrow analysis time I have a new monthly payment reflecting their projected property tax, hazard insurance, my principal and it includes the shortage. 
At this time I start all over again owing 2 months worth of escrow cushion but no one can give a clear and simple explanation of where the money I have paid in has gone. 
I receive a check from them to pay my taxes and for 2 years in a row it has been higher than the taxes and I end up with a check back from the city. 
If I never have enough money for the cushion how am I getting money back when I pay my taxes? 
Their explanations make no sense and I am told that the amount is going down but due to them spreading the payment out this is why I am behind. I can not get anyone to explain in plain English why I paid in XXXX and every analysis I wind up having nothing in the cushion and start all over. I don't know where these funds are being allocated. I am not an accountant so their analysis make no sense to me. 
I pay the amount I am required every month yet still have no cushion. 
I am not sure how I am ever going to have the required cushion if every analysis I am told there is nothing left.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY (VA)

My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX. 

On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds. 

My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX. 

I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien.

TD bank needs to refund my money.
Consumer complaint received 2021-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I called Navient customer service on XX/XX/XXXX to verify that I was making a payment in full on my Loan XXXX and I wanted to make sure that Navient did not move the payment in full in the amount of {$1600.00} to the other loan, Loan XXXX which has a much larger balance. I was assured that my payment would be applied as I had entered online on XX/XX/XXXX. On Monday, XX/XX/XXXX, I logged into my account to verify that Loan XXXX was paid in full and LOW AND BEHOLD Navient customer service had lied to me again. The payment assigned to Loan XXXX was moved to Loan XXXX and only the monthly amount was applied to Loan XXXX. Needless to say I was furious and called Navient Customer Service and had to argue with the customer service representative to move the payment back to Loan XXXX and even had to threaten a lawsuit before she fixed the payment. How does Navient keep getting away with these ILLEGAL practices. I also had applied to have my consolidated loans forgiven because I work for the government and have worked for them for 13 years but my loan forgiveness was denied because when Navient consolidated my loan, they consolidate it into a loan that did not quality for loan forgiveness and once again Navient acting ILLEGALLY because I specifically asked for the consolidation that had the potential to be forgiven in the future. I was never given income driven payment option in XXXX when I had lost my job due to an XXXX and almost {$4000.00} in interest was added to my loan. Forgive my loan since I have worked for the XXXX XXXX XXXX for 13 years.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank is reporting an erroneous late payment on my credit file. I recently checked my credit file and noticed this debt. Due to circumstances under the pandemic i was not able to make this payment on time. I have had this account for a long time and have been really good about keeping this account in good standings. I am experiencing hardship due to the pandemic and that put me in a really tough situation. Paying my bills on time is always an priority but this totally out of my hands. I am asking that Capital One remove this debt from my credit file.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-05
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. (NY)

XXXX, XXXX and Equifax are reporting supposed late payments on my behalf which I didn't give consent to do. In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC1681 Section 602 states I have the right to privacy, 15USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction, under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-22
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. (VA)

I have made all payments on time. Due to an error with XXXX XXXX payment systems, instead of spreading my two separately made payment across me two accounts they consolidated the payments to one account. This action made both accounts late. Once late, XXXX XXXX continues to lower my available credit thus hurting my score by XXXX point or more over just a few weeks. I have contacted XXXX XXXX through XXXX XXXX financial services and they refuse to resolve the issue. I have never missed a payment. My credit score was in the XXXX range an now sits at a bleak XXXX. This kind of thing cant just be happening to me. Amid the pandemic, as we get toward the end, big companies like XXXX XXXX ( who we bailed out with tax dollars ) should not be treating people in this way. It has effected my ability to seek employment opportunities, receive XXXX XXXX, and opportunities to make income to further pay off debts and basic needs. 

As a XXXX XXXX I sincerely hope that you are able to assist me as well as go after XXXX XXXX and these actions on others as I am assured Im not the only one.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX managed my refunded XXXX  loan after the XXXX  loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Consumer complaint received 2021-03-22
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. (SC)

On XXXX/XXXX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX I mailed over a dispute letter to Equifax disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Equifax that was issued by them on XX/XX/XXXX that they received my dispute but they would not process it because the documents are not legible. I'm not sure why they think that as all required documents are included as you will see in the letters I upload. This is I read at least one of their games they play with consumers so they don't have to do their job. I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address that shows the exact address they are asking for and a copy of my social security card.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following accounts are fraudulent and should not be reporting on my credit report. Also, BY LAW I should have received a 1099 for the following accounts. These accounts are improperly reporting on my report. I believe my information may have been compromised. 

XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX Account Ending # XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Ending # XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2021-05-11
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. (CA)

There are 8 accounts on my credit report that do not belong to me I have not signed for anything or approved anything and I dont have any of these cards I have opened an FTC regarding this and nothing is being done I need help. 

Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX