davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/charge-off on the - XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX XXXX XXXX XXXX ( please see attached letter dated XXXX. ) This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to report this item with a balance when it has been sold. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Auto finance - XXXX - is reporting a 30 day late on my credit report for XX/XX/2018 and I was not late. I have been late in the past, but XXXX I was not late. I paid what I was advised to pay previously by the rep on the phone and paid it. The representative made the mistake, not me. This is an error.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I recently reached out to XXXX XXXX XXXX after noticing a potential fraudulent account opened under my name. After reaching out the problem was never resolved nor have I heard anything back from XXXX XXXX XXXX. I explained that I have never owned this card nor did open or have access to this account and would like this removed from my credit.
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (NJ)

We continue to receive phone calls at home looking for " XXXX XXXX '' and " XXXX XXXX '' - often the debt collectors will not reveal whom they are working for or where they have obtained this information. 

Today I was able to ascertain, after calling back and speaking with a supervisor that Harley Davidson Financial Services had obtained this information via XXXX. We are on the federal do not call list and do not wish to be contacted As these parties are unrelated to us we consider these calls to be harassment. I was troubled by the tactics used by the collector who would first not identify which company she was calling from ( simply that she was " XXXX '' ) until asked, nor was she willing to release information regarding the incorrect data including the source, she simply hung up when questioned about why she contacted us.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my profound dissatisfaction and concern regarding the handling of fraudulent items on my credit report by your agency. Despite numerous attempts to rectify the situation and provide evidence of the fraudulent nature of these items, I have encountered significant delays and hurdles in having them promptly removed.

Despite my diligent efforts and the seriousness of the matter, I was shocked to receive notification that the fraudulent items were being expedited for removal from my credit report without thorough investigation or validation. This premature action has left me vulnerable to further financial harm and has undermined my confidence in your agency 's ability to handle such sensitive matters effectively.

I strongly urge your agency to reconsider the expedited removal of the fraudulent items and instead conduct a comprehensive investigation into the validity of these claims. It is imperative that all necessary measures are taken to ensure the accurate reporting of information on my credit report and to safeguard against potential future instances of fraud.

Furthermore, I request transparent communication and regular updates on the progress of the investigation into these fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (GA)

I have made multiple attempts to have my address corrected by sending several dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but Experian refused to correct the error that's reporting inaccurately on my credit report. The address is associated with several accounts that don't belong to me. However, after multiple attempts to have this problem corrected my request went ignored. 

As a military veteran with XXXX years of service, my information has been stolen on several occasions. I have tried to correct this problem with Experian but regardless of my efforts, my complaint was still ignored. Attached to this complaint is a copy of my state I.D . that proves that I live in the state of Georgia. 

I never lived at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and I personally never applied for any accounts in my name using this address. As a former military veteran, I spent XXXX XXXX of my life living overseas. The address on my file is an error, and also doesn't belong to me. This is an FDCPA consumer violation and should not be tolerated. This type of behavior should never be accepted or tolerated by any professional agency.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.
Consumer complaint received 2020-03-24
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. (CA)

On XX/XX/2020, I received text notifications for 3 purchases made on my Chase Freedom credit card. Two were for XXXX XXXX for {$37.00} and one was for XXXX for {$100.00}. All 3 of these charges were fraudulent charges. I immediately got on the phone to notify my Chase bank. The 2 charges from XXXX XXXX were declined but the XXXX charge went through. I was assured that I would not be responsible for these charges. My card was terminated and I was issued a new card. Yesterday, XX/XX/2020, I received a letter in the mail stating that I would be responsible for the {$100.00} charge from XXXX, the reason being " You received benefit form this transaction. '' This is false as I did not purchase anything from XXXX, how do they justify me receiving a benefit. I attempted to contact the fraud department right away but received a message saying they were closed and to call back during normal hours. I called 3 hours before they closed so it was a little strange. I tried to call normal customer service after waiting over an hour to speak with a representative, they told me they could transfer me to someone and there was no waiting period. The person however was unable to locate my information using my account number, name or even social. I called again to XX/XX/2020. After waiting over 2 hours and 40 minutes I was able to get a hold of someone. When I asked what the justification was they told me they were unable to do anything to my extensive usage with XXXX. So because I use XXXX a lot that is their logical reasoning as to why they can not protect me with this fraudulent charge. Chase Freedom claims to have Zero Liability Protection but this is false. I did not make this purchase so I should not have to pay {$100.00}. They are suppose to investigate this properly not just deny my claim because I frequently order from XXXX. I can no longer recommend Chase Freedom credit card to anyone. Sadly this is not the first time Chase has not honored their Zero Liability Protection claim nor will it be the last. I plan on cancelling my card once the Corona Virus crisis is over.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NC)

After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works. 

2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works. 

3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms. 

4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts. 

In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.
Consumer complaint received 2020-03-11
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX  XXXX {$620.00} XXXX XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX  XXXX {$120.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$930.00}
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

We had our property taxes substantially reduced by our county of residence, submitted all the required documentation to AmeriHome Mortgage three months ago ( we have proof ) and AmeriHome still have not adjusted our mortgage escrow payment. We have proof also that XXXX County ( Ga. ) did approve our homestead exemption application resulting in a {$200.00} a month savings for us. 

I have contacted AmeriHome escrow department three times and talked to a supervisor there as well. They continue to stonewall what should be a cut and dried process. Their finance department refinanced our mortgage in one month but it has been three months since we requested their escrow department to upgrade our escrow monthly withholding.
Consumer complaint received 2023-01-17
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. (TX)

XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( XXXX ) MAKING THEM XXXX. I WASN'T AWARE THAT XXXX XXXX XXXXXXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY XXXX PARTIES ( XXXX XXXX XXXX WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX XXXX NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

Account number XXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently noticed that I have a fraudulent collection account for {$630.00}, I NEVER open this account or never authorize this, I called the bank that issue this card XXXX  XXXX XXXX XXXX and they told me that I have to call collection company ( MIDLAND CREDIT MANAGEMENT ) I did call on XXXX and spoke with XXXX XXXX to XXXX, and they said that they are already working to fix this discrepancy, I open a dispute with XXXX  but they haven't give me a solution for this fraudulent account, I need a investigation and what ever comes as a report i please will need a copy.
Consumer complaint received 2023-05-09
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-11
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: SYNCHRONY FINANCIAL (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (WA)

This complaint is a follow on of previous complaints regarding illegitimate collection efforts by collection agencies that American Express has used in an attempt to collect a debt. The debt in question is the unpaid balance on a credit card that was issued to XXXX XXXX XXXX XXXX XXXX. I was an owner of this business which financially failed in XX/XX/2017and has subsequently been dissolve. This business was a corporation which serves to provide a barrier between actions and obligations of the corporation and the owners. I personally have never been issued a credit card by American Express. I have contacted them multiple times to inform them that I was not responsible for this debt and have demanded that they provide documentation proving that I have responsibility for this debt. Despite multiple requests to AMEX, and the collection agencies that they have used to collect this debt, no documentation has ever been provided. In addition, AMEX has filed a charge off on my personal credit with all of the credit reporting agencies in the amount of this debt which does not belong to me. As a consequence my personal credit rating has been negatively impacted which has created problems for me in obtaining credit and caused me financial harm.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

In both of my previous complaints ( XXXX, XXXX ), AmeriSave promised to refund the {$500.00} application fee to my credit card. The first time, they claimed they had an internal glitch that prevented the refund to go through. The second time, I am still not seeing the refund to my credit card. 

I am requesting that AmeriSave to send me a check for {$500.00} to my mailing address to avoid further delay and credit card refund issues.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-01-17
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
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. (OK)

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to Experian, XXXX, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Experian has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Experian never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Experian has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Due to these numerous violations Experian must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.