davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (GA)

Under the FCRA ( fair credit reporting act ) TransUnion is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/2019, the second letter XX/XX/2019, and the third letter XX/XX/2019. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that XXXX delete all of the following unverified accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I had an amount of {$86.00} that was due and was reported by XXXX XXXX. On XX/XX/XXXX i call and paid them the {$86.00} dollars and they charged me an extra {$4.00} dollars to do it over the phone with a credit card. Now when I look at my credit report. They say it is closed and in the remarks it said the consumer disputes this account information. I even have the receipt that they sent me the day that I paid it. They need to correct it and show that i did pay the full amount and not say its closed by a dispute.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NV)

Due to the Coronavirus I was laid off work and will have no income for a least a month bc XXXX XXXX is shut down. I work in the XXXX XXXX industry and asked for a forbearance with 3 months added to the end of my loan. They said they could do 3 months but it would be do in full at the end of the months. This doesn't work as I'm not going to magically go back to work making double what I did before so this company Freedom Mortgage is NOT changing their forbearance structure at all to help people during the Coronavirus closures!!!
Consumer complaint received 2020-03-15
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. (PA)

Transunion would not assist in deleting these negative inquires from my report XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
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. (OH)

I have mailed dispute letters to all 3 credit bureaus XXXX ; XXXX ; and Transunion about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Credit Bureau, Inc. (FL)

The company called several times, including twice to my office, leaving messages with various employees, including our sales staff. I spoke with the collection on XX/XX/2020 and told them at that time I was not permitted to take personal calls at my office, especially messages to random employees. Since their name has Collections right in it, its not difficult for them to figure out what the call is about. They have since contacted my office again, after warning that this is expressly not permitted in our policy.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NC)

XX/XX/XXXX and XX/XX/XXXX there was an application for a deposit account that got rejected using my maiden name and a different address. ( XXXX  XXXX XXXX ) they did the request all on line. 
XX/XX/XXXX and XX/XX/XXXX Person tried to gain access to my XXXX account. 
XXXX  XXXX XXXX XXXX made XX/XX/XXXX also on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COMENITYCAPITAL/GOOD inquiry date XXXX account with COMENITYCB/ ULTA XXXX  that starts with XXXX on XX/XX/XXXX using the number XXXX XXXX All of these used the address and name they opened an account on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX United States
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NY)

To whom it may concern, I leased a XXXX  XXXX ram in XX/XX/2016 from a leasing company ( XXXX XXXX  ) and signed a contract for a XXXX mile allowance. I returned the car with a little over 43,000 miles and later received a bill from the bank associated with the lease ( ally financial ) for milage in excess of 13000 miles. I asked Ally for the contract they had on file and they sent me a contract with different milage and a forged signature on it. This was not the contract I signed. Instead it was altered and then someone else signed my name on it. Ive attached the paperwork. 
I went to the dealership at XXXX  XXXX XXXX in person to see if the issue could be resolved. Instead, I was treated with a high level of disrespect, they wouldn't show me their version of the paperwork and was essentially thrown out of the dealership. 
Attached, is proof of all the paperwork I've mentioned above. Please feel free to call or email me to speak further.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXXXX XXXX Balance : {$3900.00} ; XXXX XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1800.00}
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I initially placed a freeze on my Equifax report online using their web site. I went back to temporarily unfreeze it and this time they had the process moved and it now required a login to the web site. I went through the process to login, reset my password, etc. and kept getting an error after attempting to login telling me to call a number ( XXXX ). 
After 2 and a half hours on hold and transfers to several different people, I finally reached the department that deals with the logins. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. When I asked to speak to a supervisor, I was told that they would not allow me to speak to a supervisor for this issue. When I asked to speak to a supervisor about the customer service, I was again refused. They said that I would have to make any account changes by phone XXXX hours long waits ) or fax until the end of time, they would never stop refusing to fix the issue. 

In summary, I was able to freeze my credit online. But I was blocked from unfreezing it online. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to unfreeze it using the same method I used to freeze it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

I have disputed this credit card account on my credit report about two or three times this year XXXX in my XXXX XXXX application. It's unclear if I was the one that opened this card ( and the timeframe of the beginning of this account ) because I just recently applied for a XXXX XXXX card about a year ago. I got a divorce in XXXX and before our divorce I filed personal bankruptcy ( XX/XX/XXXX ) so our marriage debt ( under my name ) was transferred to my ex husband, and when we divorced it was agreed that he would assume all of that debt. This was signed by the judge. When I called the collection agency on XX/XX/XXXX, I requested proof of when this card was applied for, when the contract was signed, and proof of my signature on this contract so that I can verify dates and my signature. They only had statements in the year of XXXX, which does not verify that this card was not opened in the year of XXXX ( during our divorce that had the temporary order of restriction on assets/property ) or even in the year XXXX. They did not have any contract, or anything that I signed stating that this was opened by me or if it could have been opened by my ex spouse, or really any proof of time that this account actually started at that time. My ex husband and I lived in the same town up until XXXX, we went to the same stores, so any purchases on this card does not place this under my name. I requested information and they should be sending me the information of the actual account ownership and not a transaction statement. Also, my ex spouse and I still have the same last names, we had access to private and personal information ( such as SSN and addresses ) in all our court documents so opening a credit card under your ex can be done with that information. Additionally, when I dug more into my credit report, I found my ex-husband 's address during our divorce listed on one of the bureau 's report. I have never resided in that dwelling, nor have I ever had mail sent to that address.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I signed up for the American Express SPG Luxury card based on the advertised promise that I would receive one ( 1 ) XXXX point certificate a year, starting after my anniversary date. 

The fine print says : " The Free Night Award will be automatically deposited into your XXXX XXXX member account 812 weeks after your Card Account anniversary date in the form of an e-certificate. '' This is false. My anniversary date was XX/XX/XXXX. 12 weeks would have been ~XXXX. I contacted American Express on XX/XX/XXXX and they apologized and said it would be issued soon. I have contacted the multiple times since then, including this morning XX/XX/XXXX, nearly 4 months later, when they apologized again and now say I need to call the number on my card to look into this. This is certainly not my definition of " automatic. '' In these months I had to alter my travel plans since I was not provided the certificate in the time frame advertised.
Consumer complaint received 2020-03-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/2019 I contacted Debt Recovery Solutions regarding an account they are attempting to collect for and reporting on my credit report. They received my request for them to validate this account via certified mail number XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and they have yet to respond to that request. Instead what DRS has  done is send me a text and call stating someone will be delivering papers for me to sign and I needed to be home to sign for them ... giving me the impression that I am about to be sued although the alleged account they are attempting to collect occurred more than 4 years ago, which is the statute of limitations in texas to sue a consumer. Debt Recovery Solutions continue to verify this account with the credit reporting agencies even though they have failed to validate the account.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (OH)

When trying to make a payment, UPGRADE, website would not load. This was tried on three different browsers. When I called to make payment over the phone they could not verify any of my bank accounts ( 3 ). This resulted in a 21 day past due/delinquent account. Only after telling them I was reporting them were they able to process a payment.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

on XX/XX/21, I opened both BB & T checking and saving account funding with my spouse 's credit card, and then after a week or so my account get closed by BB & T, I have no way to access my account at all, despite I have deposited {$25000.00} in their account. 

They didn't return any of my money at all. I tried everything I could and tried to cooperate as much as I can, I went to their branch twice as they requested, 1.5hour trip for one way, with my spouse and our 2 type of ID and credit card I used. The last time I visited the branch is XX/XX/21. And then I called more than 30 times, which costs me more than 10 hours, including their branches number, 24/7 customer services, fraudulent department, debit/credit card department, they always push me back and force.
Consumer complaint received 2020-03-15
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. (IL)

I submitted disputed to equifax over unauthorized inquiries. These inquires were for XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. This dispute was handled they received it onXX/XX/XXXX and they sent letter that they investigated dispute on XX/XX/XXXX.I received another letter from agency dated XX/XX/XXXX for inquiries I never disputed. I will attached letter, equifax also updated negative info on my credit that has not been verified by them as a retaliation for my dispute. I know I cant dispute inquiries that are from soft pulls to credit, I never disputed inquiries from there letter dated XX/XX/XXXX. I have been a past victim of identity theft and this is very concerning that they are not handling these matters in a professional way. Someone from there office is either manipulating mail because I sent other dispute as i am noticing info that is not correct with my file. This was received by certified mail by them. This second dispute involved a creditor not inquiries.Can someone please help.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2020-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I am refinancing my mortgage with a new lender. The current mortgage company ( Freedom Mortgage ) has refused to provide a payoff. The closing company has requested it ( XX/XX/XXXX - using the documents I signed as part of the process ), and I have personally requested it twice ( XX/XX/XXXX & XX/XX/XXXX ). They are now holding up my mortgage process and I am at risk of losing my preferential new rate. I believe they are holding up because they do not want to lose a {$380000.00} loan at 4 %, when new rates are much lower ( my new rate is quoted at 2.64 % APR ).
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I received a letter dated XXXX from JP Morgan Chase, XXXX. 
XXXX XXXX XXXX XXXX DE XXXX They thanked me for applying for a new CHASE XXXX XXXX XXXX credit card account. 
They then requested various documents such as drivers license, passport or even a birth certificate to prove my identity. 

I didn't apply for this. Someone is fraudulently using my name! 

Help!
Consumer complaint received 2020-03-27
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: AMERICAN HONDA FINANCE CORP (NJ)

Back in XXXX of XXXX, I reached out to Honda Financial because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at Honda Financial who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, XXXX reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out XXXX  shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to Honda and have them make changes to the account and that may help. I called Honda and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and XXXX  just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both Honda and XXXX a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called Honda once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the Honda Financial account removed altogether and my score returned to over 660 for XXXX.