davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (WI)

In XXXX XXXX and XX/XX/2020 I have submitted disputes with the Experian credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. Experian refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (HI)

My lender is asking for 2019 Tax Returns which I already explained to them that I do not have them because I am only receiving SSI. They keep on asking for a document that does not exist and holding up the approval for foreclosure assistance because of it.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

Company Name : Amerihome My mortgage is currently in forbearance under the CARES act, since XXXX. 

This company calls my cell phone every day at various times, leaving messages that only request a call back. I called them once, waiting on hold for approximately 40 minutes, only to receive a lecture about my options once the forbearance expires ... options which, I might point out, are listed on the monthly mailings I get about it. 

I have been out of the country, roaming for two months at this point. I contacted the company via their web portal in a good faith effort to figure out what it is they want. I told them multiple times, via their web portal, that I am unable to call them due to the expense of making calls while roaming. They then informed me that they have removed my number from receiving automated calls. However, nobody at the company has actually answered my " what do you want '' questions and issues mostly just get closed, aside from the most recent " we removed your number from automated calls '' reply. I still do not know what they want, nor am I willing to spend $ XXXXminute to wait on hold with this company while I'm abroad. 

Yesterday, I received an email requesting that I update my contact information. I signed into their web portal to update it, and now the automated calls have started again. Based on past experience, I imagine that the voice messages will continue building up at various times during the day until I return to the US, open several tickets on their web portal asking what they want ( which they *never* answer ), or enter a bogus phone number into their system ( which I have just done in an effort to stop the calls ).
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (FL)

I am disputing the following account under FCRA : XXXX XXXX XXXX account XXXX Experian refusing to investigate. 
Please delete asap
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I was billed for a purchase made on XX/XX/20 ref # XXXX for XXXX from a company that doesn't exist except on the internet called XXXX. I tried contacting XXXX they wouldn't reply. I disputed the charge in XX/XX/20 with Bank of America. They advised me they would not remove charge. I contacted my Attorney General office, XXXX would not reply to them. I want my 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The DC XXXX  Court dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, XXXX, and Experian but the charge offs and account matters are being reported despite the court dismissal.
Consumer complaint received 2020-12-29
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)

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND EXPERIAN have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
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 — Account status incorrect
Company: CITIBANK, N.A. (MO)

Macy 's is reporting a late for XX/XX/20 and XX/XX/20 that I ask they remove. I recently took a look at my credit file and noticed these lates reporting.During this time my entire family also fell ill to XXXX as did I. I was very sick and could hardly keep up with anything. However, I was unaware of ever being late as Macy 's had the wrong address and sending statements to the wrong address. I was never notified during this time through call that I was past due. I would have paid my balance no problem, but like I said I fell ill and my health was my main concern. Without receiving any statements or calls about my account I really had no way of knowing what was going on. I ask that Macy 's please remove the late notations.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested a method of verification. XXXX has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicly share information with third parties. In my 2nd attempt with XXXX I asked them which representative they spoke to, the date, length of conversation, which employee from XXXX spoke to the party, and or confirming if there was any e-mail or written communication between the members of XXXX company and the bankruptcy court. XXXX has failed to provide me those details.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Boone & Associates Group LLC (TX)

On XX/XX/2020, I received a phone call from XXXX XXXX. I did not recognize the number and was wondering who would be calling me from the XXXX area. I let it go to voicemail, and this is what the message said : " Hello, this message is for XXXX XXXX. My name is XXXX XXXX calling on behalf of claims in regards to a neglected complaint that's in process of being filed against your name as well as you social ending ( stated last 4 of my ssn ). Failure to respond to this message by today gives us the legal right to move forward to get you in your jurisdiction. I can be reached at XXXX XXXX, extension XXXX. '' As of today, no legal action has been taken. I did not expect that it would since this company is bogus. I was able to find the name. I did not call back because the XXXX has been linked to scams. It is not assigned to any particular region. I know this company is a fraud and went to great lengths to try to intimidate me into compliance. The message all but threatened that they would " get me ''. Please put these people out of business!
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/ Original creditor : XXXX CHARTER COMMUNICATIONS Amount : {$780.00} This unknown debt was applied to my Experian and XXXX XXXX XXXX without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.
Consumer complaint received 2021-06-30
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)

I have explained to several people at Equifax that this account for XXXX XXXX XXXXXXXX does not belong to me. I keep explaining and speaking to people off shore each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report as they requested.
Consumer complaint received 2020-12-28
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: CITIBANK, N.A. (CO)

The problem has been for almost a year I've been dealing with missing money from my bank.the most recent incident was Saturday XX/XX/XXXX. Pizza was ordered online for XXXX $ somehow the transaction charged twice I contacted the pizza place she said wait until Monday and you'll see the amount only charged once because their receipts showed it going thru only once. So I waited until Monday and the total came out of my account twice ... Now I've been dealing with this problem with this bank for at least a year I called they gave me some excuse so we did the fraud again. 4 months ago the same thing was happening with another organization I was paying for my membership every month and the bank was taking the money twice a month and when I called too get it take care of they denied giving my money back. So this has been going on to long and I need to figure out how to get this taking care of because I don't know what the bank is doing with the extra money that keeps getting charged to my account.they even allowed a organization to take money from a frozen debit card and made the excuse that it was mastercards fault.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

While reviewing my XXXX Credit Report, I was reviewing credit " record of requests ''. Much to my surprise, Capital One - XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX, has apparently been recording hard inquiries on my credit to the tune of XXXX times since XXXX 2015. When bringing this to the attention of Capital One, one representative disconnected the call after 15 minutes of being on hold. After a second call, I got to a completely different call center where the individual was extremely rude, implied that I was wrong and said that they would n't do anything without the original copy being sent to them from XXXX. This is way too many inquiries, with XXXX of the XXXX happening within the last five months. I have not asked Capital One for information, nor do I want them to continue to inquire on my credit, or receive offers for their credit cards.
Consumer complaint received 2023-03-04
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. (NY)

XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

I opened the dispute for two charges on my card. They charges were both XXXX. One for {$500.00} on XX/XX/2020, and one for {$460.00} on XX/XX/2020. I had the bank issue a new card. After one week, the charges are still there, and there is no indication on the account that these charges are under dispute. I requested written confirmation of the investigation or some sort of confirmation number for the investigation, but they refused. I filed a police report with my local police department. I gave them the police report number. The bank claims the investigators determined that I accepted the charges, which is not true. Since the charges were made online, I asked the bank to provide the shipping address or email address used to deliver the goods. They were unable to give it to me. They also refused to provide the evidence that I accepted the charges. I requested an affidavit of fraud, which they also refused to provide. The bank stopped taking my calls.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have a joint account with my grandmother who receives social security and pension each month on the XXXX of every month. Her social security and pension were deposited into our Chase account XX/XX/2020. On XX/XX/2020, my grandmother passed away. There was a hold placed on the account unbeknownst to me, which left the account negative {>= $1,000,000}. I called into Chase XX/XX/2020 and the representative could not fully explain to me why there was a hold on the account. Due to me not knowing what was going on, I transferred the remaing funds from our joint account to my personal account ( {$2100.00} ). The {$2100.00} that I transferred to my personal account is now gone and I never spent the money. I called in today XX/XX/2020 to see what was going on and try to get some answers as to why there is still a negative balance showing and what happened to all of the funds and I got nowhere. I was told that the " deceased Processing '' department is handling the account but I was unable to speak with them. There should be a total of {$3900.00} in the account. Instead the account is negative - {>= $1,000,000}. This is a huge inconvenience, as my family are still paying expenses associated with the cost for the funeral, along with the obligated rent that was due for the month.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TN)

I am formally writing this complaint because I noticed a debt collection company by the name of I.C. SYSTEM INC. who parked a debt on my credit report. I don't know where this alleged debt came from, I was not given any information regarding this alleged debt, I was not given the opportunity to dispute this alleged debt, and I am aware that this company is not licensed to collect in the state of Tennessee. This company is damaging my reputation and breaching my privacy. The reporting of this account also reflects as inaccurate and misleading. There are multiple instances of collection notations shown as " C '' for " collections '' reported repeatedly every month. The FCRA stresses the importance of " Fairness and Accuracy '' of credit reporting. I have reason to believe this company is utilizing deceptive and abusive behavior against me. Not only are these violations of the Fair Debt Collection Practices Act but are also violations of the Fair Credit Reporting Act. This debt collection company has no permissible purpose placing anything on my credit reports without following the Debt Collection Rule under the FDCPA first. There was no attempt to communicate from this debt collection company.
Consumer complaint received 2023-03-04
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)

I have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Bank of America closed my account and told me that on XX/XX/XXXX they sent me a check of the funds and today I called them and they told me that no check would be sent and I need my money Bank of America close my account without explanation
Consumer complaint received 2020-12-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING