davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

GLA has reported medical debt on my credit, I have disputed these debts through the bureaus. Some were removed, some were validated without proof. All GLA collections listed here are in violation of the AG settlement 2015. All 3 medical debts reported and validated by GLA have not been updated, and are in phase III violation.
Consumer complaint received 2023-06-23
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. (TN)

XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 or my account without my written instructions.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

On XX/XX/2018 via online chat at XXXX I inquired about closing my account and paying my balance. After XXXX told me the reasons why I shouldn't I agreed and I asked the person I was chatting with online to NOT close my account. He continued to close my account. He told me he could not rectify the issue. and gave me a 1-800 number to call. That was the wrong number ( the number for XXXX credit cards, not store credit cards like mine. ) I was then transferred to another phone number that lead to an automated machine that could not help my situation. XXXX has not been any help. I took pictures of the chat. Let me know which email I can send it to. Thank you.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 this consumer sent a certified letter informng XXXX that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from XXXX requesting a copy of my identification and a copy of proof of m address! XXXX is stalling, while this company stalls my life is being negativly affected byt their false reporting!
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

When the covid shutdown occurred in XXXX, I asked for a forbearance from First United Bank every week for at least 2-3 months and was told every time " NO, our investors are not allowing that. '' After a few months of not being able to work, we bounced a check bc we had XXXX  income coming in. At that time, I called and they notified me " yes, we HAVE been allowing forbearance .... '' At this time, I was able to open my businesses again so I began to play catch up on my mortgage to get me " current '' I kept my account on the forbearance plan because I was told that I had to pay the entire 3 months that I was late on IN FULL if I ever got off of the forbearance plan. Each month, I paid an additional {$400.00} to close the gap. Eventually, after about a year, I was told that I could get off of the " loss mitigation plan '' move the 3 months that I was behind on to the end of my loan and that would make my account " current. '' First United Bank sent me a contract laying out the plan to move the 3 months owed to the end of my loan period in XXXX. It was signed on XX/XX/XXXX. 

Meanwhile, every mortgage payment that I made during this " loss mitigation/forbearance period '' was NOT applied to my balance. Instead, they kept it in a non-interest earning account they labeled as " Suspense Balance. '' Nothing was ever applied to my principal, yet I was still being charged interest. When they received the signed documents on XX/XX/XXXX, instead of moving the 3 months balance that I owed to the end of my loan, they took the " suspense balance '' being held, and applied it to those months, and then called me to let me know that I was late on my mortgage payments and owed $ XXXX + and that if I did not pay immediately, that I would be sent to collections or be foreclosed upon. I had JUST made a payment on XX/XX/XXXX so I called and asked what happened to all of the mortgage payments I had been making. 

The bank misappropriated ALL of my mortgage payments to go towards the 3 months that I missed in XXXX during the " forebearance '' period, even though they had a contract stating otherwise. When I called customer service, they told me " it was a simple misunderstanding, someone messed up. It will be corrected in 2-3 months. '' It has been almost 3 months, and every time that I call, they tell me that a manager is unable to speak with me and that I should keep trying back or that they'll call me " in a few days. '' Currently, they are withholding {$18000.00} in a non-interest earning " suspense balance '' account that has not gone towards ANYTHING. I am being charged interest on my loan. I currently have two outstanding " late fees '' even though I was never late. And have gotten no answer or responses to my concerns. 

In addition, if that {$18000.00} WERE to be applied to my mortgage, that would take me out of the 78 % threshold that would take me out of PMI, but since it has not been applied, I am STILL being charged PMI on my loan as well. 

Please help me get some answers
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (GA)

Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX They Wasnt Supposed to pull my credit
Consumer complaint received 2023-07-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (GA)

My Mother opened a Trust acct with XXXXXXXX XXXX in XXXX XXXX XXXX XXXX purchased by SunTrust XXXX then purchased by Truist XXXX After my mother passed, we presented her death certificate and trust documents. But in the mergers, the bank lost the signature card and the original trust agreement. While we were denied access to the account, the delivery adress went dormant and they began charging undeliverable stmt fees. After multiple attempts, the XXXX branch finally executed a new Trust agreement and gave us access to the account. The undeliverable fees were never refunded. Given the .01 % interest rate, and the lack of refunded fees, we decided to close the acct. Due to Truists ' online policies, the " final '' withdrawl left {$2.00} in the acct. I contacted Truist online with my desire to close the acct. Two months later they had added {$30.00} in monthly fees and a {$30.00} charge off fee. They now want {$58.00} to close the acct with {$2.00} that they had overcharged. I complained about the fees on XXXX and was blocked from commenting on Truists ' XXXX pages. So not only did they charge exorbitant late fees for their inabaility to close an account, the inhibited my ability to share my factual story with others.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IN)

My husband and I returned home on Thursday, XX/XX/2024 from a family trip to XXXX XXXX XXXX in XXXX, Ohio. We were gone from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX. When I checked the mail upon our return, there was a Lowe 's envelope containing 2 credit cards for a business account. The name on the account is noted to be " XXXX XXXX '' opened XXXX with a credit limit of {$12000.00}. The card number is XXXX XXXX XXXX. I looked on the XXXX XXXX app and can see that a new account was indeed opened under my name and displays as a hard inquiry from XX/XX/XXXX Syncrony/Lowes . I contacted Lowes and they confirm this card was opened in my name, however, are unable to tell me what Lowes and how much was charged on this card. They state they have filed a report, however, I will get a bill in the mail with more information along with a confirmation letter in 7-10 days confirming the report was made. They state this matter may take up to 60 days to resolve.
Consumer complaint received 2020-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2020, I attempted to sell an item online for {$2200.00}. Potential buyer ( scammer ) offered to send a check for {$4000.00}. I was instructed to deposit check, take my cut, and the {$1800.00} leftover was supposed to go towards shipping, which I was responsible to pay. I received the check next day via XXXX. Check was from XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX. XXXX XXXX  was the financial institution they used. I mobile deposited the check to my Chase bank account. Next day funds were credited to my account. I was instructed to XXXX {$1800.00} to XXXX XXXX XXXX. This was apparently the shipper. 
Unfortunately, Im sure the check will eventually bounce, and I will be out {$1800.00}. Because the transfer of {$1800.00} was via XXXX, Chase Bank ( my bank ) is completely unable to help recover the funds. You would assume that XXXX, being offered and backed by some of the biggest banks in the country, would have something in place for situations such as this. XXXX has XXXX protection what so ever.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

Tried to place a freeze with Chex and XXXX and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.
Consumer complaint received 2022-09-17
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. (MO)

XXXX and TransUnion and XXXX have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (WA)

Tried to place a freeze with XXXX and Innovis and they are mailing me my PIN in 3 days. XXXX, XXXX, XXXX give it to you immediately online. My area has rampant mail theft and common mail mix-ups. On the likely chance I do not receive this mail, I will not be able to unfreeze my credit with them, and a random stranger could do it instead. It is very insecure.
Consumer complaint received 2017-07-29
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. (UT)

I noticed on my credit report that a medical was on there twice, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have two medicals for the same debt. They have duplicate trade lines. I have asked Experian and XXXX to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the two unpaid XXXX medicals are the same account : open date the same, amount the same, day of delinquency the same.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon successful paying off personal loan with XXXX XXXX ( {$15000.00} as of XX/XX/2022 ) XXXX has noted payoff and score has increased XXXX points, not so with Transunion, I filed dispute over 3 weeks ago and almost 30 days! Not only has my score dropped due to some credit card expenses but loan amount is still showing up!!! Transunion quickly lowers scores if any credit charges are made!! This is ridiculous!! My XXXX scores at XXXX points higher and are up to date compared to Transunion.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Experian did not do a proper investigation I demand proof that these counts are indeed accurate according to fcra compliance. 



Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
Police and fire Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Account XXXX Police and fire Account # XXXX XXXX XXXX XXXX / XXXX Account # XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed
Consumer complaint received 2017-07-29
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: EQUIFAX, INC. (UT)

I noticed on my credit report that a medical was on there XXXX, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have XXXX medicals for the same debt. They have duplicate trade lines. I have asked XXXX and Equifax to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the XXXX unpaid XXXX XXXX are the same account : open date the same, amount the same, day of delinquency the same.