davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-20
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: LEXISNEXIS (TN)

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX  is refusing to remove it.
Consumer complaint received 2020-04-07
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

On XX/XX/2021 I spent numerous hours on the phone between XXXX  XXXX XXXX, XXXX XXXX and Equifax attempting to rectify misinformation about the discrepancies in reporting on : 1. XXXX  XXXX XXXX non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX and Equifax. 2. Equifax reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43  point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for XXXX XXXX XXXX dispute and a pending dispute with Equifax on state items. 

In addition, I am a paid credit card monitoring member through Equifax and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.
Consumer complaint received 2021-06-20
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. (TN)

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Received my statement email saying their was no payment due this billing cycle and no indication that their was a revolving balance. I always have paid on time and in full. Found out, there was a balance and was charged {$100.00} in interest. After I found out two days later, I immediately paid in full and after the customer service rep having spend 5 minutes explaining to me why I received an email that said no payment due, they said I still owe the interest. This is intentionally misleading and they should be ashamed to conduct business this way. I will no longer use this card as it's clear they'll use every tactic to charge you interest.
Consumer complaint received 2021-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

Rushmore 's online payment system misleads customers when entering bank account information. They request a nickname for the account, so when people enter more than one account it's possible to tell them apart. But then when your payment is processed, they transmit the transaction to your bank with the account nickname they requested as the account HOLDER 'S name. 

In my case, I have an account with XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I intended to set up automatic payments through the credit union once we get our days off back at my station. In the meantime, I entered my XXXX information to make payments. I nicknamed it " XXXX '', so later I could distinguish it from the other account on their site. 

When Rushmore submitted my payments, the transmission began with " XXXX '' when it should have begun with my name. So, the bank returned the transaction. The first time this happened, they pretended they didn't know what went wrong. I know they were lying and just wouldn't tell me because the second time it happened, they did know and told me they could see clearly what was wrong. 

Both times, I set up an additional payment to keep my mortgage paid. After the second time, I finally knew what the problem was, so I nicknamed my bank account with my name to prevent this in the future. 

I spent hours on the phone with Rushmore trying to communicate that I wanted to ensure that I suffered no negative effects as a result of their website 's problem. Their collections department and supervisors responded on a per-sentence basis with non-sequiturs, insulted me, and condescended to me. I finally gave up without even being informed of what consequences I would face for THEIR mistake. 

Now my account is restricted to certified funds only. This means I'll have to call into work once a month, travel to the bank, pay the fees for a cashier 's check, pay the postage for certified mail sent priority, and wait to see if they are honest about receiving my payments and apply them correctly to my account. Going by nearly every review this company has online, they're likely to cash the check and claim they never received it. 

We're not legally entitled to pay online. A company can choose to offer that or not. I understand this. But this company deliberately sabotaged my payments to make it harder to pay, and will not cost me hundreds of dollars a month in addition to my mortgage payments, to punish me for their failures. This shouldn't be allowed. Even just having to call in once a month could get me fired from the XXXX XXXX. They could cost my family everything we have, and we've done nothing wrong at all.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been out of the country do doing mission work. I came back and found out my bank account have been closed from XXXX XXXX.   XXXX XXXX is reporting that I have a loan that I owe on my credit reports. My bank account was compromised why I was overseas I never took out a loan I need a signature showing I took out this loan so I can find out who took out this loan in my name. This is not my loan so therefore this needs to be there late at from my credit reports. I have asked XXXX XXXX for a signature they told me they could not provide me with one if they can't provide me with a signature I need this removed from my credit reports today
Consumer complaint received 2021-06-20
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: SYNCHRONY FINANCIAL (CA)

I have a SYNCB/SYNCB account reporting on all 3 credit bureaus under account number # XXXX. I have contacted SYNCB directly several times via mail with the most recent being in XX/XX/2021 requesting for debt validation as I do not recall having such account. They have failed to respond to any of my request to validate this debt. This debt is also showing multiple accounts with several different account numbers.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing purchased my mortgage on XX/XX/2019. I did not receive notification of this until XX/XX/XXXX. I submitted an automatic payment to my previous mortgage servicer as scheduled on XX/XX/XXXX. As of XX/XX/XXXX Shellpoint Mortgage Servicing has declared my mortgage payment delinquent and is threatening me with late fees and potential foreclosure. This is blatantly against the law, as my previous mortgage servicer has 60 days to forward payments to Shellpoint Mortgage Servicing.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (TN)

Good evening, The company " CREDCO '' is an unauthorized credit check. 

That's it. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIB Group, Inc. (OH)

Upon application for automobile insurance via several carriers provided attractive, low rates based on my provided information. All raised their rates just after clicking submit yet before filling in payment method. XXXX XXXX  skyrocketed substantially, increasing nearly 100 % ; and, importantly, they cited data from a consumer report from MIB as the cause of their ADVERSE ACTION. Further, upon shopping life insurance policies, at least 2 insurers declined me ( via XXXX ) while many other only offered RATED policies rather than standard, also citing MIB.

After much trouble and research, I found MIB and was ultimately able to obtain my report. While I could submit the request electronically, they did not offer *delivery* electronically, even though I explicitly consented to- and requested such delivery. Likewise, they do not offer web-based disputes except that the entire request ( s ) may be submitted via email ( not interactive web portal ).

On review of my report, THREE OF FOUR ITEMS ( 75 % ) are in COMPLETE ERROR. These events are NOT contemporaneous, complete nor accurate. I requested immediate removal via email. A representative accepted my request and indicated theyd process removal, based on his word choice. 

In one case, the report lists SUICIDE as a condition! Obviously, this is false : Im inherently not affected by suicide based on the fact that Im writing this and thus living. This item should have been removed IMMEDIATELY upon disputing. 

However, only later was an official dispute form provided. Because I had to wait for mailing, my ability to actually dispute was delayed by over a week. Upon official submission, the Bureau stated it would take FORTY-FIVE days for any decision, against regulations. 

Further, MIB then responded that they had referred all three of my disputes to XXXX XXXX. MIB stated it was that company that, allegedly, furnish the data. This means that MIB is actively and knowingly furnishing, selling and sharing FALSE DATA, a crime in its own right. Worse, they are not CHECKING for ACCURACY, whether at time of publication nor ongoing. This is obvious because they could not produce source and had to seek third-party verification of their false data.

Worse, there is no intermediate resolution such as interim suppression of FALSE data nor ability to add a CONSUMER STATEMENT to their Consumer Report. MIB does not accept physician statements attesting to the accuracy of MIBs records ; and, as above, they do not keep records to validate data even upon original acceptance and publication.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (KY)

Was contacted by XXXX, XXXX, and XXXX representative XXXX XXXX about a US Bank debt that I don't have record of existing. My first contact was on XX/XX/XXXX. I have called several times, and my complaints are as follows : 1 ) Contacted me ( letter and phone call ) outside of the statute of limitations. Last debt activity supposedly is XX/XX/XXXX. 
2 ) During the phone call they did not read the mini Miranda informing me that they're debt collectors. Mini Miranda also isn't on letter.

3 ) Threatened legal action on an account that I don't exists, plus is past statute 4 ) They would not allow me to validate or dispute the debt
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

This is a formal complaint lodged against Experian regarding inaccuracies on my credit reports, specifically hard inquiries, which they claim to be verified. 

Experian by not properly providing me with proper documentation within the required time frame, and I have evidence of such, via certified mail receipts : USPS Certified Mail and Return Receipt sent by Notary Public : XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XX/XX/XXXX Certified Mail # XXXX XXXX Maybe they didn't get the part in my last letter where I said these CREDITORS were unknown and that they need to be removed, just because they said " verified '', it doesn't change the fact that I have no clue where it came from! 


They had enough time to verify these alleged accounts and because they didn't at any time send me even ONE shred of evidence that these were my accounts accounts or that I have the liability or responsibility or ownership, they need to be deleted. 

I'm pretty certain that they violated a bunch of federal laws : 1. Experian didn't prove the creditor even responded 2. Experian didn't send me anything at all to verify this was mine 3. Experian are being paid to report this by a credit I cant even get a hold of 4. This is absolutely false info being reported and section 609 protects me specifically against this!

As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 16 [ s-2 ] ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished person to any consumer reporting agency is disputed to such person by a consumer, the person may furnish the information to any consumer reporting agency without notice that such information by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 68 I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

URGENT REQUEST FOR IMMEDIATE RELIEF : I am a XXXX in financial distress, please help me today. Thank you. XX/XX/2016 Citi Bank agreed in writing to remove an escrow account of {$600.00} from my mortgage, and I signed the Citi Escrow Removal Agreement form and faxed it, which Citi received XX/XX/2016.The bank refuses to remove the escrow account -- claiming they need to pay my taxes of {$2700.00} XX/XX/XXXX, which was not a condition of their signed Escrow Removal Agreement. My escrow account has almost {$4000.00}., more than enough ; and Citi demands I continue paying into the escrow account in my payment due on XX/XX/XXXX. The Citi Agreement had no such conditions to the escrow removal -- is acting fraudulently, and abusively. Please help me today, I am available for a press conference immediately. Thank you so much. 
Please respond immediately to me, XXXX XXXX. Ph : XXXX, email : XXXXXXXXXXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Cit Loan XXXX. I have complained 3-times to the Citi Customer Service Dept ( after being cut off 6 times and was cut off after waiting on hold 45 minutes ) and am the victim of deceptive business practices, fraud, breach contract, and intentional infliction of XXXX.