davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (RI)

I have tried to contact and get an explanation from my lender as to why my escrow account is- {$8100.00}. They refuse to give me an audit or date or explanation. 

I lowered my homeowners insurance from {$4700.00} to {$3200.00} annually. 

I made a $ XXXX payment to escrow.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$4300.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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. (NC)

About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX. I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (NC)

I tried reaching out to Hillcrest Davidson saying I live at that address XXXX XXXX XXXX my name was on there account as long with someone one else I didnt know when I ask for them to remove it they tell me I have to contact someone I dont know I refuse to call some dude I didnt live at that address at that time nor I didnt give nobody permission to use my information so they tell I couldnt get my name off that account even tho somebody else is on it as well and they refuse to give me any information regarding account I so called have
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (IL)

acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (FL)

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Consumer complaint received 2020-03-27
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 maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$2.00}, XXXXXXXX XXXX XXXXXXXX Balance XXXX {$4.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$4.00}, XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-03-27
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. (FL)

I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (IL)

The company, Phoenix Financial Services, sent me correspondence regarding resolving a debt. I called them, they offered a settlement amount to resolve the entire debt owed, and I paid that amount to them. I have a picture of the transaction of the payment I made to them. This payment was made on XX/XX/2019. I recently checked my credit report, and the same debt they agreed would be resolved had not been cleared off my credit report, and worse the balance was still the original balance, so the money I paid Phoenix was not even taken off my balance at the very least.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

I experienced an issue with the Barclay Card US Upromise Card. I mistakenly paid down my balance twice resulting in a credit balance of over $ 16k. I spoke with customer service and emailed customer service and the response was the same from both. They told me to go to my bank and recall the payment ( ACH ). Several days after the funds were returned, I received a letter from Barclays telling me that I would be charged a returned check fee of {$28.00} and that due to the fact that there was a returned payment, my credit line would be reduced from $ XXXX to $ XXXX. All of this despite the fact that entire balance had been paid, there was a XXXX balance on the account and I followed their instructions to get the over payment refunded. I emailed them twice ( XX/XX/XXXX and XX/XX/XXXX ) and they have not responded. Phone wait times were excessive and I gave up trying to contact them on the phone. At this point, I want the returned payment fee refunded and the account closed.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX gave me two account numbers from Bank of America to get the money he borrowed from me back. After I started to get the money into my account, my bank blocked my account, and then when I called my bank, they told me that my account was at a negative XXXX dollars because it was a bad check. I would like for Bank of America to look into the accounts because it is upsetting. I want to know who the bank account belongs to, and I also want this person to get arrested for fraudulent this is awful. The bank accounts ' routing number is XXXX account is XXXX and the other one is XXXX. I would like for bank of America to get to the bottom of who that person is who's scamming hard-working people. It happened in XX/XX/2020 2020
Consumer complaint received 2022-08-17
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts Account numbers : XXXX. XXXX - XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XXXX with the Chase executive team confirmed XXXX claim # XXXX was denied by Chase based on an internal review by Chase claims. The reason that was providedis that the paymentwas completed via XXXX XXXX  and all other XXXX XXXX transactions for that date were not denied. This decision was made by XXXX, a claimsmanager. We have made several requests for proof that the transaction was authorized by the account holder but have been told that whatever information that was provided by the merchant is internal only. The refusal to provide proof of authorization is a violation of the Fair Credit Billing Act.It is in fact also noted in the third bullet point of your claim letter to contact Chase to request the information used for research. However, no documentation that proves authorization has been provided to us as the accountholders. 
Further, per XXXX and XXXX it has been raised that not all transactions on the same day of this claim were disputed and isthe reason for denial. We have already been in contact with XXXX to request a transaction of all XXXXXXXX XXXX purchases and per XXXX there are not any recorded. We can not find any record as there is not a transaction history available for us to review. This is the reason we contacted XXXX who has no history of XXXX XXXX transactions to provide us with. 
I have spoken to XXXX different departments today asking for all XXXXXXXX XXXX transactions specifically for the dates of XX/XX/22, XX/XX/22 and XXXX. This is a request for all XXXX transactions between the dates of XXXX.
Consumer complaint received 2022-12-28
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. (DE)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-15
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)

On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes.