davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

Wyndham XXXX and Barclays Bank On XX/XX/21 I went to activate my Barclays card and was sent to Security stayed on hold for 54 minutes. I called next day and 1 hour and 3 minutes later still on hold I can never reach anyone in the Security department to get this problem fixed. Soon a payment for my Wyndham XXXX account is going to be due it comes on this card its not going to go through because I can not get the card access. This is how Wyndham XXXX gets their payments each month this is what they insist on as far as getting their payment. So I have a card I cant use my credit is going to be ruined and theres nothing I can do about it.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

Chase offered forbearance on credit card accounts for the plandemic period from XX/XX/2020 until Biden declared the plandemic is over. 

I was supposed to have my interest rate lowered to 0 % for that time period. Also, they were going to credit back to my account, all late fees, balance transfer fees, miscellaneous charges, and interest charges, from XX/XX/2020 until today. They were supposed to accept lower monthly payments of {$100.00} per month. 

Now, they are threatening to close my credit card, even though I just sent them a payment.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. After months of processing and making follow-ups to EQUIFAX with regards to my request of getting this unauthorized inquiry to be removed from my Credit Reports XXXX Nevertheless, I have neither heard anything from Equifax nor received any kind of response. Consequently, I have decided to reach out to you to ask for some assistance and help. Equifax hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they are to provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the unauthorized inquiry : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Transunion credit report and it is reflecting an account from XXXX XXXX with late payments. I have contacted XXXX XXXX and they confirmed I never had any missed payments and that my account was always in good standing until it was paid in full.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.
Consumer complaint received 2021-09-16
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. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

My identity was stolen in XX/XX/2023 and 6 fraudulent inquiries were placed on my Equifax credit report. These fraudulent inquiries are negatively impacting my credit score and credit profile. After filing an FTC Identity Theft report and working with an identity resolution specialist, I submitted the FTC report and dispute to Equifax. Equifax failed to remove the fraudulent inquiries and stated the result of their investigation was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Consumer complaint received 2022-12-30
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)

Yourrecords show that account number XXXX has a balance of {$14000.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STERLING BANCORP (NY)

During the Covid-19 pandemic I filed for a forbearance with Sterling National Bank for the months of XXXX, XXXX and XXXX of 2020 and it was accepted. Beginning in XXXX of 2020 I resumed my monthly payments to Sterling with the understanding the unpaid amounts would be attached to the end of the loan. That did not happen and I subsequently started a mortgage refinance with another lender, who will not complete the refinance without a letter from Sterling stating I am no longer in forbearance and have been making regular payments from XX/XX/2020 to the present time. Sterling Bank will not process thais letter in a timely manner and claim they need 3-6 months to satisfy the request. Sterling Bank has also prevented me from accessing my payment history, claiming I am still in forbearance and therefore do not have access to my payment history.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (MN)

I have been disputing this account for many months, and I'm very displeased about it. National Credit Management still hasn't sent me anything in the mail, their first FCRA and FDCPA violations. They have refused to respond to my mail, their second. They have continued to report the disputed account to the Credit Bureaus, their third. They are flagrantly violating federal laws, they are still reporting this inaccurate account, and they have failed to notify the consumer in any way! DO YOUR JOB! FINE THEM!
Consumer complaint received 2021-09-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I am being reported late in XX/XX/2021. The month has not finished. Also, I am currently in forbearance until XX/XX/2021. It's impossible for me to be late when I do not have a payment due until XX/XX/2021 2021
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

This company is reporting and attempting to collect an alleged {$7700.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX I disputed XXXX  XXXX fraud account with TransUnion by certified mail with supporting documents requesting XXXX  XXXX account / fraud inquiriy be removed immediately from my consumer file. On XX/XX/XXXX XXXX  XXXX  forwarded by electronic information to TransUnion account as fraud. I followed up XX/XX/XXXX with TransUnion spent over 1 hour back n forth with transunion supervisor " XXXX XXXX '' continued to tell me even though I followed all necessary steps TransUnion will not remove fraud inquiry from my consumer file and he eventually disconnected call.. TransUnion continues to violate FCRA guidelines XXXX 

I've copied and pasted statement from TransUnion website steps to follow remove fraud inquiriy which I did. 

" Send a letter to each credit reporting agency requesting removal of the fraudulent inquiry Include a copy of your FTC Identity Theft Report with your letterIf you are requesting deletion of an inquiry from your TransUnion credit report, send your letter to the address below : TransUnion XXXX XXXX XXXX XXXX, PA XXXX ''
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.
Consumer complaint received 2016-12-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit and Receivables Services Inc. (KY)

Hello, This bill was paid in full. I had previously contacted the biller and they confirmed the bill was paid in full but my credit report was never updated. 

Please contact me at XXXXXXXXXXXX with any or all help associated with this. 

Thank you, XXXX XXXX
Consumer complaint received 2021-09-16
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: Experian Information Solutions Inc. (TN)

This complaint reference XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX  as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to Present. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This XXXX Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed unauthorized inquiries on my Transunion report that were not done by me. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I financed a car through Chrysler capitol A few years back. Well they got a class action lawsuit against them and lost. They were putting people in high risk high default loans. I got a letter and a check for over XXXX dollars. Well the letter said we get loan forgiveness. They took it off XXXX and XXXX but not XXXX. Please help me get this off my credit report please. I don't want to have to hire a lawyer but i will.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I was divorced in XXXX and as part of the divorce our house XXXXXXXX XXXX XXXX XXXXXXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.
Consumer complaint received 2021-09-16
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, the consumer, have notified as communicated to the company EQUIFAX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to XXXX  XXXX ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on XXXX  XXXX for sending in the documentation to the EQUIFAX reporting company. I am sending this complaint because the EQUIFAX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2016-03-17
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (FL)

This company ( Ocwen ) wanted me to make monthly payment of {$530.00}. I paid from my bank account every 2 weeks with amount {$300.00}. They still tell me owed them? When I start my payment ; I set my bank account to made payment full amount of they want for this first month, and set my bank account to start pay as {$300.00} every 2 weeks. Total {$600.00} per month. When they told me I owed them ; I made the payment direct from my bank account ; paid them full amount they wanted for that month ; and split 2 payment of the next month start from middle of next month as one on XXXX or XXXX of the next month {$300.00} and {$300.00} at the end of next month. I did this as two three time. They still said I owed them and late payment? I call them to dress the problem ; they accuse and sometime they hanged up the phone.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PMT Solutions, LLC. (OH)

Amount {$660.00} date not known. I contacted the company and told them to cease and desist also invoiced them for the violations 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.