davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was trying to refinancing my home since 1 year ago because the interest is too high % 5.75 is killing me, The refinance institutions have been rejecting me and I did not know why. I recently learned that it was because my lender, Specialized loan Services is reporting my payments incorrectly and irresponsibly. This has been costing me thousands of dollars because the interest is extremely high and outrageous.

My main concerns also include that my loan was sold to, apparently 2 different banks without my knowledge, and somehow my payments were lost in the process. I have no track record of almost {$60000.00} of payments that I have made. According to specialized services, they can not report new accounts for 90 days. If this is true, I understand but at some point that money has to go somewhere. They are saying that they have no record of this, but I have proof of payments. 

I also recently learned today, XX/XX/XXXX that my loan was sold to a company named XXXX in XXXX. I had absolutely no knowledge of this. I feel that they are taking advantage of the situation and it is affecting me in the sense that I can not refinance. I keep getting rejected, and it seems that this is the reason. 

Because of them, I have been spending thousands of dollars on pure interest because of incorrect reporting. This is not fair to me in any way, especially during and economic crisis. I need this resolved now and I need to know where all of money has been applied to. If they can not show me this in detail, I need my money back because that would be theft. 

thank you.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}.
Consumer complaint received 2023-01-22
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. (AZ)

According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, XXXX mobile deposited a check for balance transfers for the amount of {$9000.00}. On XX/XX/XXXX, I received an email stating the check was accepted and the funds are available. I then logged into my banking account and observed the check was accepted and funds available. I used the funds to pay high interest credits cards off. On XX/XX/XXXX, I logged into my banking and observed that I had a large negative account balance, but there was no indication as to why. Next, I called customer service and was told that a manager would call me back the same day for this matter. I never received a phone call. Today ( XX/XX/XXXX ), I again logged into my mobile banking and saw a large negative number, but there was no indication as to why. I called customer service and was told I had to now call the fraud department because they placed a hold on the check I had deposited. Also, there was XXXX overdraft fees now on my account. In addition, I saw the payments I made that been returned.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/ ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the Equifax Data Breach . I want these items deleted from my credit report immediately. I am attaching proof that Equifax that I was in fact a victim of this data breach and equifax has done nothing. Please help me by deleting these negative accounts from my Equifax credit reports. 

Account Names and Account Numbers : XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$2.00}
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

LA CURACAO WAS CHALLENEGED TO REMOVE COLLECTION. 
RESULTS WERE TO BE DELETED OFF LA CURACAO DELETED, AND IMMEDIATELY RETRACTED COMPLETELY NEGLECTING THE PROCESS! NOW ITS BACK UP AND THEY WILL NOT ANSWER
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

Hello I have an aviator master card financed through Barclays Bank. Through the app and website they included a feature call XXXX XXXX where it allows you to make payments over time for a low interest rate. The qualifications include any purchase over {$100.00} and to be in good standing with my card. Ive had this card since XXXX of 2017. I have always paid my bill on time or paid off the balance entirely. Ive never been late or missed a payment and they still have not given me the chance to enroll transactions into a payment plan. Every other credit card with different banks has provided me with this option but Barclays has not. Ive called several times and Im given the same generic answer. And I rebut with terms and conditions listed on their website. I want someone at Barclays to look into why the I have not been afforded the opportunity to enroll my eligible transactions into XXXX XXXX. Because why am I even a patron when my other cards offers me the option to set up payment plans to aid and assist me with paying my balance.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The Equifax agent deleted my two accounts in dispute that were resolved. These 2 accounts were paid in full and I requested for the dispute remarks to be removed for the sake of my mortgage loan process, but instead, the agent deleted my two accounts which caused my score to decrease and is now affecting my mortgage loan process!
Consumer complaint received 2024-03-08
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)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2022, and XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me.
Consumer complaint received 2022-12-20
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. (CA)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (ME)

I have a balance transfer promotion on a Chase Amazon credit card. I receive 0 % interest on the balance transfer. The promotion expires on XXXX XXXX XXXX On XXXX XXXX  I paid {$350.00} to Chase as my regular payment. On XXXX XXXX, I paid an addition {$1000.00}, which according to the law, should have been credited toward my promotional balance, since it is within the two billing cycles preceding the expiration of the promotional balance. Instead Chase credited the payment to higher interest purchases, as they usually do, and did not take the {$1000.00} off the promotional balance. I phoned Chase to explain that according to the law, they should have credited the {$1000.00} to my promotional balance. I asked why this did not happen. The customer service rep, transferred me to a supervisor. The supervisor stated that credit card payments in excess of the minimum due, are automatically credited to the higher interest balances. She stated that Chase does not have a way to credit excess payments to a promotional balance. Since there is no way to pay off a promotional balance, this is obviously a way to stick customers with all the piled up interest at the end of the promotion. I want my {$1000.00} credited to my promotional balance as it should have been on XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (KY)

In accordance with the Fair Credit Reporting act : The list of accounts below has violated my federally protected consumer rights to privacy, and confidentiality under 15 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX .... Balance : {$2300.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$630.00}
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was 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 below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-08
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. (AR)

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-25
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. (TX)

XXXX, EQUIFAX, XXXX The following accounts are being reported by the credit bureaus, and these account should be accurately. CRAs have a duty and responsibility to provide true and accurate information on my report. I have never been late on these accounts.Please Proof must be provide that these accounts were in infact late. If proof can not be provide it, update these accounts with paid and never late on the account. 

XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) XXXX XXXX XXXX XXXXXXXX Late Payment ( never been late on payment ) 15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A personal shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information may be inaccurate
Consumer complaint received 2023-01-04
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. (TX)

IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2023-09-23
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: DISCOVER BANK (FL)

Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : Discover Account XXXX XXXX XXXX Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XXXX XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XXXX XXXX XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account.