davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-31
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. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the the inaccurate inquiry on my Credit Report and upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXXXXX XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I am dealing with a XXXX. diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am dealing with a XXXX XXXX and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.
Consumer complaint received 2023-02-18
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. (FL)

Account name ; XXXX XXXX XXXX. 
Account number : XXXX XXXX : Collection account. 
Amount : {$630.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX, XXXXXXXX XXXX XXXX XXXX Account number : XXXX Status : Collection account. 
Amount : {$280.00} -- -- I never applied for this and I never lived at XXXX XXXX. I do not know where this apartment is, this is not mine and this is fraud Account name : XXXX XXXX XXXX  Account number : XXXX Amount : {$700.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX  XXXX Account number : XXXX Amount : $ {$640.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX Account number : XXXX Amount : {$2100.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX Amount : {$2800.00} -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Account : XXXX XXXX XXXX  XXXX Amount : XXXX -- -- I never applied for this. I do not know what this is, this is not mine and this is fraud Inquires are not mine and this was done without my consent. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-31
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. (NJ)

For some reason when I submit disputes with equifax, and an item gets removed they drop my score. Just recently they removed to inquiries and dropped my score by XXXX points. I also called them ro inform them that they were incorrectly calculating my credit utilization. My credit utilization should have been XXXX % out of XXXX I believe. They have it listed as XXXX XXXX out of XXXX, and when I called a rep told me the do nothing to correct those types of errors, although I informed them its being utilized to drop my score. The same with a collections account from XXXX that all of the other Bureaus removed, because it is not my account. Equifax is not actually investigating anything or updating my credit file accurately or timely.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I opened this loan back in XXXX  with borrowing only {$250000.00}. The home I bought then was {$300000.00}. My father gave me money to put down on the home which was {$45000.00}. I financed {$250000.00}. Today this company is saying I owe them more than what I borrowed from them. I have paid them many many many many many many many many YEARS of XXXX monthly. 
The original loan was with XXXX 
I trusted the local mortgage company sponsor to affirm a safe company to trust and do business with. 

Im a mother of XXXX children. The government has fed us and gave us medical coverage. 
Ive had this mortgage for XXXX Years and leaves at this same address for these XXXX  years. 
1.This company will not tell me my payoff amount. ( I have the house sold ) Im trying to pay them. 
2. This company wont give me my amortization. ( My entire payment history ) - for 6 Months I have been on them for this report. They say they will slug mail it and do not. This is the same answer they give me each time I call. The information of what I paid thru the entire XXXX years they will not turn over. 
3.with a divorce XXXX years. The home is now being sold and I noticed they charge me for insurance {$2000.00}. Its actually {$1000.00} a month. 

Im a single mom Just XXXX XXXXXXXX XXXXXXXX for XXXX years now. 
Im trying to sell the home as its not upside down anymore and this mortgage company wants my home. They want to sell it. 
They are making my task of paying them off impossible. Please help me Ill go on live news if needed. They have killed so many families with these loans.
Consumer complaint received 2022-01-31
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. (MI)

My name is XXXX XXXX XXXX and my request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them a letter, dated at XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$990.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX Balance : {$720.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2019-12-26
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-26
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (PA)

****Discover case # XXXX Opened a credit card with Discover and initiated a balance transfer in the amount of {$1300.00} under a promotional offer of 18mos 0 % int on balance transfers. 

Discover sent the check to XXXX XXXX ( That is the name printed on the front of my card ) however the check was rejected because XXXX only accepts checks made out specifically to XXXX, XXXX. Notified Discover that the check was rejected and that the check was mailed back to me at my home address. I am in possession of the {$1300.00} check issued by Discover proving that it was never cashed. I offered to send the check to Discover and they said it wasn't necessary however they still posted the {$1300.00} balance to my card. I now have the same {$1300.00} on my XXXX card AND my Discover card. I do not understand how Discover can post a balance to my account for a balance transfer when the balance transfer check was never cashed. It has be over 7 business days since I notified Discover of the problem. Still has not been resolved, called several times, I have also not received any updates. I does not appear that either XXXX or Discover have any intentions of resolving this in a timely manner.
Consumer complaint received 2016-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NC)

Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.
Consumer complaint received 2023-03-14
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. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to get a new home and these items will not get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2022-01-31
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: CCS Financial Services, Inc. (IL)

On XXXX I was contacted by Credit Collection Services regarding a past due bill owed to XXXX, I mailed a request for the original billing statement and received a health insurance claim form completed and signed on XX/XX/XXXX. I submitted this to XXXX XXXX XXXX and they paid the bill on XX/XX/XXXX. On XX/XX/XXXX I received an alert that this bill was added back to my credit report so I contacted XXXX and was told that they would contact the collection agency to close the account. 
On XX/XX/XXXX I filed a dispute with the 3 credit reporting agencies and the item remained on my report as a paid collection. I contacted Credit Collection services and was told that the only way it would be removed is if I paid them. I explained that my insurance paid the bill and it needed to be deleted but got nowhere. This item must be deleted from my credit report and credit collection services should face punitive action.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Friday XXXX XXXX I deposited four checks totaling just over XXXX the machine jammed after scanning the second or third check. The following Tuesday I received notification that my account was being closed for fraudulent activity because they couldn't find my checks. I have called ATM operations, loss prevention, customer service, and claims, and have spoken to countless people about this issue. I keep being told they are trying to find my checks but they are closing my account XX/XX/XXXX unless they can find the checks which they state they have until XXXX to do so. That does not stop my account closure. My name is XXXX XXXX phone XXXX the Wells Fargo branch was XXXX XXXX and XXXX in XXXX XXXX Nevada.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc. (CA)

i contacted CMRE Finance by phone on XX/XX/2019. I submitted a letter of insurance coverage from my insurance provided as requested. I contacted the original creditor directly as falsely reported on my credit report, The City of XXXX XXXX. The alleged original creditor does not have any information on me. I contacted them back on XX/XX/XXXX requesting information on the original creditor which CMRE refuse to give me and ask to amend the false information, which the CMRE has neglected to do. On XX/XX/XXXX I sent them a letter of validation of debt and they haven't responded. On XX/XX/XXXX, I sent them a second letter to which the have no responded. They still falsely reporting information to the credit bureaus. Additionally I have submitted disputes of information to the credit bureaus XXXX, XXXX and XXXX. These disputes have come with a no change to my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX  Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Purchase History : I made a {$420.00} transaction on XX/XX/XXXX on XXXX XXXX XXXX. However I was not satisfied with the purchase, and I returned the product on XX/XX/XXXX for a replacement. The merchant promised to ship the replacement the week of XX/XX/XXXX ( see the email thread attached ). But I never receive any replacement. 

Dispute History : I opened a dispute on XX/XX/XXXX with Chase since I purchased the item via a Chase credit card. Then, the merchant started to contact me and asked me to close the dispute. And they promised to process the refund if I close the dispute on XX/XX/XXXX. So I called Chase to close the dispute on XX/XX/XXXX. 
I closed the dispute but the merchant still refused to refund me. I called their service center on XX/XX/XXXX and they suggested mailing all the evidence to them for restarting the dispute. I sent the letter on XX/XX/XXXX. 

Dispute result from Chase : I checked the status on XX/XX/XXXX, it shows the dispute was closed. I contacted Chase on XX/XX/XXXX. The specialist said chase closed this dispute because it passed 60 days timeframe and the letter we sent was invalid because it passed the 60-day frame, which is not correct considering that the merchant promised to ship the replacement on XX/XX/XXXX, which I never received an item. Chase didn't even go through the evidence and simply closed my dispute. I haven't received any item nor refund from the merchant/Chase.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

XXXX XXXX  to XX/XX/XXXX XXXX {$6700.00} $ XXXX to XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX $ XX/XX/XXXX to XX/XX/5894 $ XX/XX/XXXX XX/XX/XXXX XXXX These are the dates of some of the withdrawals that I didn't make or authorize for.anyone to make. Please see attached photos..
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: OneMain Finance Corporation (IL)

While they did not state I was committing a crime, that was the most appropriate selection I was given. 

One Main Financial, XXXX XXXX XXXX XXXX, XXXX, Il has, on multiple occasions, stated that they will report my and others late payments at the end of the month, even when they are far under 30 days late. They use this as a scare tactic, stating that payment after the end of month will affect your credit. 

The latest incident occurred with XXXX on XX/XX/22. I informed her of the FCRA rules, and that the credit bureaus only report 30, 60, or 90+ lates ( as you can see next to every credit item or confirm with each bureau ). She stated it doesn't matter how many days, at the end of the month it affects your credit. When I informed her of this again, and asked her to look at the appropriate late boxes on a credit report, she chuckled and said she doesn't know because she doesn't make late payments. 

This is not the first time this has been said, nor the first employee from this location to say it. It appears to be a company policy, using it to scare customers into compliance. While there is no harm in saying they report lates at the end of the month ( as most companies do ), there is harm in telling customers incorrectly that it will hurt their credit even if they are less than 30 days late. This particular instance is a 15 day late they are threatening to report. 

While most interactions with them have been pleasant and helpful, this policy of teaching their employees incorrect information to scare customers is unacceptable. I want to emphasize I am not reporting against the employees, but the company whose policy they've been taught and told is truth. The employee is just doing her job ( other than the snarky comments... ).
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.