davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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)

I have been trying since XXXX to get my XXXX XXXX Card Services ( Visa account ) added to my Trans Union Credit Report. Both XXXX  and XXXX have included it correctly on their reports. In fact, their entire reports are correct. I have 3 letters from XXXX XXXX  showing that they have contacted Trans Union regarding this matter. NOTHING EVER HAPPENS! Year after year I request a new report and Trans Union sends one. However, My XXXX 's account is NEVER ADDED. Trans Union is also missing my XXXX XXXX XXXX XXXX XXXX account. I have not taken up that issue, since the problem has been going on since only XXXX. If I can't get the XXXX XXXX account corrected in eight ( 8 ) years, what chance do I have in getting a somewhat more complicated ( more paperwork needed ) issue completed in a mere four ( 4 ) years. I'm almost XXXX years old. I back-off from this issue every so often because I lose faith in the hope of actually getting it completed. My scores are fine, but I'd like the agencies to ALL reflect my accounts accurately. Is that too much to expect? Please tell me what I can do about this issue. Thank you in advance for your help.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (IL)

XXXX creditor failed to acknowledge by proof of documentation that debt was paid for even tho a letter was provided, XXXX. Experian failed to report a credit that had been reporting to them on my bureau, i was told by rep that it would be fixed in XXXX day. the credit card XXXX XXXX XXXX told me they have been reporting debt for the last XXXX months Experian has faile to report this creditor and i gave them the transaction number and they failed to update info
Consumer complaint received 2019-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I received my free annual credit report 2 years ago and noticed fraudulent activity from SYNCB/SAMS I have tried numerous times to get this fraudulent account removed with no response or verification from this company for the last 2 years.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding with 12 XXXX XXXX XXXX  claimed I opened an account on XX/XX/2020, however I have no bank cards with XXXX XXXX XXXX  and did not open a card with them. A family member used my social to open a card. I contacted them and disputed however they claim it was not opened fraudulent when it was. My mother said she opened it with my social. Therefore it was opened fraudulently.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still remaining Inquiries that are reported to my Credit Report. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

SageStream is completely unresponsive to fax, online form, or US mail, and their phone number just goes to voicemail when dialing " 0 '' for help. I have tried multiple times to place a security freeze on my consumer file and have received no response and their telephone number is unusable. 

SageStream is in violation of FCRA by refusing to perform a security freeze of my SageStream consumer file and providing a PIN code by US mail. 

SageStream is in violation of FCRA for failing to provide a functioning telephone number with a live human being.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CO)

XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX Account number XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rickart Collection Systems, Inc. (MD)

As of XX/XX/XXXX, I was a victim of identity theft. These fraudsters used my identity to purchase goods and services, opened credit accounts, bank accounts, and other items not approved me. As a result of this, I closed all of these accounts and froze my credit so that no attempts to open more accounts under my name could successfully go through. On XXXX, XX/XX/XXXX, I received a notification through XXXX about a XXXX point drop on my credit score as result of a debt owed to XXXX XXXX Upon further review, I contacted XXXX and they informed me that there was a debt collection under my name in the amount of {$1100.00} for the following address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. This debt owed stems from an account that was opened in XX/XX/XXXX. I have never lived at this address nor have I opened a XXXX account. My current address is XXXX XXXX XXXX, XXXX, MD XXXX and I have lived here for 26 years. This debt is now with RICKART COLL SYSTEMS. Original creditor : XXXX XXXX XXXX. 

XXXX instructed me to file a police report and an FTC report to get this matter resolved and removed from my credit report. I filed a police report with the XXXX XXXX XXXX XXXX Police Department in Maryland ( Case Number : XXXX ). My next steps to getting this removed is to file this report accordingly. 

XXXX Account Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Open account : XXXX Account Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX Police Report : Case # : XXXX Debt Collecter : RICKART COLL SYSTEMS. 
Account # : XXXX Opened : XX/XX/XXXX Balance : {$1100.00}
Consumer complaint received 2021-11-24
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-02-15
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. (GA)

XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

Called today XX/XX/24 to tell them the covid 19 recovery modification documents did not explain why the partial claim is 44, 000 when our past due currently is 33,000.00 from covid 19 forbearance and the agent tried to say that that was with not including addtl taxes and interest which is wrong, my mortgage statement show the 33000.00 includes taxes and interest and principle. They want me to sign a loan modification with no explanation on why my partial claim is more than my past due, please help ( this is 2nd complaint here, first one no one responded, XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX
Consumer complaint received 2024-04-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO. (IL)

Chase bank and its attorneys are involved in a mortgage Origination fraud scheme that used XXXX different Chase office locations to illegally take possession of Borrowers property after recording FAKE mortgage documents and claiming that the XXXX signed the Fake documents in multiple State and Federal Courts. 

The mortgage stamped do Hereby Certify this to be a True and Original Copy of the Original has one Property identification number. ( XXXX XXXX. ) The Chase XXXX - Private Client Services, that prepared the Original Mortgage is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Fake mortgage recorded by Chase has a XXXX XXXX XXXX with XXXX handwritten on the recorded Fake mortgage. 

The Chase XXXX that recorded the Fake mortgage is JPMorgan Chase Bank, XXXX, JPMorgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (CT)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 



XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. XXXX XXXX XXXX XXXX  maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.
Consumer complaint received 2020-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/20 my Paypal claim XXXX for non described defective item was resolved as merchant refunded {$8.00} payment. However Paypal violated policy by reopening closed claim on XX/XX/20 for fabricated reason of recurring payment, framing me for having done so, & refusing to inform me of this action. My bank dispute closed XX/XX/20, & Paypal is in possession of closure letter same day of closure emailed to chargeback@paypal.com. This  demonstrates a willful violation on Paypal 's part to reopen ANY previously closed claim for ANY fabricated reason, in violation of their own policy to leave closed claim closed.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been on XXXX XXXX XXXX  since XXXX and will be returning to work on XX/XX/XXXX. I understand that my account may have fallen behind during this period, and I apologize for any inconvenience this may have caused. 
I would like to inform you that I will be able to make a payment on the principal balance on XX/XX/XXXX.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-11-24
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-10-02
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. (NY)

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX  XXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX, I found out that {$310.00} XXXX XXXX ) was taken from my account without my permission. I've called The Bank of America, and they had sent me a Unauthorized ACH Return Form which I need to fill out and FAX it back to them and told me to wait for updates. After I did fill out the form and FAX it back to them, for about 2 weeks I decided to call again and they told to that I still have to wait for about 2 months. Then I called back again, they told me that my I didn't fill out the form in the time frame of 24 hours on XXXX, when the transaction was taken, and that my claim was closed/deny and that the bank couldn't do anything about it, so my money can not be return back to me. I do not believe that there is such rule about me having to fill out a form in 24 hours on the day the transaction was taken, usually in this situation the bank would resolve the issue and give back my money but whenever I try to call again to figure out a solution they answer with why I am calling again and asking the same question and to figure it all out myself. I called the police seeing if they can help, and when they called The Bank of America for me and the bank said that they would send another form for me to fill out and FAX back, which I did and I called back to make sure weather if they had received the form or not, they replied saying why I'm calling back again and that my claim was closed they can't do anything about it. So now, I am hoping that you can help me get my money back.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (FL)

I was called on XX/XX/XXXX by XXXX from XXXX XXXX XXXX claiming I had a debt with Wells Fargo from XXXX, however ; not such debt existed. She told me if I didnt pay I would have my wages garnished and go to court. I called Wells Fargo and was told they had no file of an owed debt. XXXX XXXX XXXX called me on XX/XX/XXXX claiming I still had the debt and needed to pay they refused to send me the notification letter in the mail but sent XXXX via email. I spoke with XXXX XXXX and she sent the letter to my email and stated on the phone they acquired my account on XX/XX/XXXX, I called Wells Fargo again and confirmed they had no debt or file pertaining to me. I received a voicemail on XX/XX/XXXX from XXXX from XXXX XXXX remediation claiming if I didnt pay today XX/XX/XXXX they would sue me and garnish my wages. I had spoken with the local non-emergency police line on XX/XX/XXXX in my area due to trying to file with the local fraud department, however ; there isnt one in my location. In turn they told me this sounded like fraud and on top of that not to answer anymore of their calls.
Consumer complaint received 2020-02-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I do not owe XXXX XXXX XXXX this debt, they have no debt validation for this debt. I have no contract with XXXX XXXX XXXX Also XXXX XXXX XXXX is in violation of my HIPPA rights. I never authorized XXXX XXXX XXXX to hold my medical records. Experian is also in violation of my HIPPA rights posting medical debts on my credit report.