davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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. (MD)

In 2012 XXXX  XXXX XXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER 7 years old since it was closed, and should NOT be reported anyway. XXXX XXXXXXXX XXXX, XXXX, XXXX, and Experian are ALL in violation of the FCRA.
Consumer complaint received 2021-04-06
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. (MD)

In 2012 XXXX XXXX XXXXXXXX was forced to forgive loans because of a settlement with the US department of justice. Part of that settlement was that all forgiven accounts were to be reported as paid with NO negative credit reporting resulting from the account / debt forgiveness. XXXX XXXX XXXX has been reporting this account on my credit report as a negative charge off due to non payment. I have requested that all 3 major credit reporting agencies remove this negative account, but Im being told that it is correct. In addiction this account is OVER XXXX years old since it was closed, and should NOT be reported anyway. XXXX XXXX XXXX, Equifax, XXXX, and XXXX are ALL in violation of the FCRA.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX 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 2021-04-06
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. (NC)

For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.
Consumer complaint received 2021-04-06
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-04-06
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. (MI)

Experian continues to report inaccurate information on my credit file and I halve told them time and time again that this is effecting me adversely. I have sent letter after letter only for them to tell me that it has been verified. i requested to know who gave incorrect inaccurate information and the company that they told me sent me a letter on letterhead telling me that they have no record of such ibankruptcy. I want this bankruptcy deleted from my report. It is a direct violation the FCRA rights. 

I am not a third party, I am filing a complaint on my behalf.
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. (CA)

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-04-06
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. (TX)

I disputed this account listed on my credit report. The credit bureau returned to me a response as updated without correcting the errors or deleting the account. Basically handing me back the same issues I disputed like they were corrected. I disputed this account because the information in which the credit bureau reflects is not 100 % accurate and is not Metro 2 compliant. I have highlighted errors for easy finding but yet they still failed to correct the problems or delete the item. My dispute was done in XXXX of 2020.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (CA)

My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud R.A. ROGERS INC COLLECTION ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OK)

-My business was shut down by the government due to Covid. My loan was put on forbearance. My business was to reopen XXXX XXXX. I was promised my loan modification could start XX/XX/XXXX. Since XXXX, XXXX, I repeatedly asked Community Loan Servicing for full payment history of my mortgage.. After filing a complaint on this site, I received a partially illegible, disorganized, incoherent document on XX/XX/XXXX, for my review. Community Loan Servicing demanded i start paying on XXXX XXXX, XXXX. It was demanded that I pay a modification payment by XXXX XXXX XXXX in order to " save my home '', and that unless I paid it I would no longer be eligible for a modification, although I still had questions that they refused to answer.. 
-I had been promised that the modification would start in XXXX, XXXX. 
-I asked repeatedly for an explanation of why I was offered a modification with one interest rate, then they raised the interest rate in the next letter for no reason. No answer.

-I asked repeatedly for an explanation of how I could possibly owe {$190000.00} on a {$180000.00} mortgage after paying for 14 years. No answer.

-I asked repeatedly for an explanation of some fees. No answer.

-I asked repeatedly for the total sum of money I have already paid to them. No answer.

-By my calculations I have paid them approximately {$330000.00} over 14 years on the {$180000.00} mortgage. The modification offered was for an additional {$600000.00} over another 40 years. Almost XXXX XXXX dollars for a {$180000.00} mortgage.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc. (CO)

I chose XXXX XXXX XXXX : XXXX, a loan officer working for Celebrity Home Loans https : //www.celebrityhomeloans.com/, to process my mortgage application for a conventional 30 year fixed rate loan. He issued me a Preapproval letter stating a rate of 2.49 %. 

As the loan approval process began, he told me he locked the rate at 2.50 %. Then a few days later he said he actually failed to lock it and the rates have gone up by then, and my lock is at 2.625 %. Then again, a few days later he said the lock did not in fact happen, and I have a lock at 2.75 %. And he lied because a few days later I received a final message stating my lock is at 2.875 %. Only then I received a paper stating the lock rate, and this is is what went in my final loan approval letter and Closing Documents. 

XXXX XXXX has repeatedly lied about locking my interest rate, and I ended up getting a much worse rate than initially specified. All of our conversations about getting a locked rate at 2.50, XXXX, XXXX are documented. We received no rebates or other incentives. 

I posted reviews on XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX a subsidiary company of Celebrity Home Loans through which the loan was processed ). XXXX reached out to me asking me to delete these reviews in exchange for a cash refund of {$620.00}. I don't want to delete my reviews because they are accurate and fair, and they might help other consumers.
Consumer complaint received 2021-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reached out to Trans Union about being a victim inquiry issue. I explained to them the inquiries on my account. They refused to move them and told me to wait two years like everyone else! I also reached out to every company that gave me the fraudulent inaccurate inquiry and they told me there was nothing they could do well! 

The inaccurate Trans Union inquires are as followed -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (GA)

I opened an account with Barclays through the XXXX XXXX Credit Card program in XX/XX/XXXX. Due to health issues, I fell behind on payments resulting in the account being closed and charged off in XX/XX/XXXX. 

Since then, Barclays has continued to update my account status on my credit report as a C/O, like clockwork on the XX/XX/XXXXof every month. 

In mid-XX/XX/XXXX ( around the XX/XX/XXXX), I paid off the balance in full with their in-house recovery company, XXXX XXXX XXXX. Both Barclays and XXXX confirmed that the account had a {$0.00} balance. 

In XXXX, Barclays is now refusing to update my credit report and now claiming that they can not find my account / claiming there's a name mismatch despite having ZERO issues reporting the delinquent account EVERY MONTH since XXXX. For the past week, since I've paid off my account, I've been given nothing but the runaround and zero answers from Barclays reps who claim my account no longer exists or is mine. 

I find this unacceptable and basically feel like Barclays is holding my credit score hostage by refusing to update my report in a timely fashion ( if they even intend on doing it at all ), and multiple representatives either providing me with blatantly false or incorrect information. 

My account number is one ending in XXXX.
Consumer complaint received 2021-04-05
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: JPMORGAN CHASE & CO. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX XXXX. XXXX, 2020
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

Purchases of three items were delivered to my home last year in XXXX. One of the items was not to the size specified and was returned for full credit minus the shipping of {$40.00}.. This item was not properly credited by the accounting agency and was only issued half the refund. The other two items where defected and could not be of use. A dispute was made for the defected items to be credited and was granted. To this day the proper credit for the first item returned has not ben resolved after many attempts, verbally and written. This matter has been affecting my credit score and is also accruing late fees and interest that I do not owe. I do not have access to my account as it has been closed and blocked for my viewing or accessing any documents that where previously sent as confirmation of the credits issued to my account.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have spoken with the mortgage company doing a modification I have paid on the modification it has been over 4 months since I got any information on the modification every time I call they said the modification is still in process I don't understand why a modification is taking over 4 months for them to send me the paperwork I made all the payments and still have not received a modification every time I called they stated that it is still being processed I think something is up with that
Consumer complaint received 2022-10-31
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # 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 2021-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (UT)

In XX/XX/2021 I received a paper checking statement from SunTrust Bank. I had never heard of SunTrust Bank and it was apparent to me that someone opened up the account in my name. I called to inquire on the account. The representative checked the account to make sure that there wasn't any money going in to or out of the account and assured me that SunTrust would freeze the account to assure that no one was able to credit or debit the account and that they would submit the account to their security and fraud department to have it investigated and closed. 

On XX/XX/XXXX I received a second checking account statement from SunTrust. The checking account was still open. And they had included a {$3.00} charge for sending me a paper statement. 

On XX/XX/XXXX I called SunTrust again to see why the account was still open and to dispute the {$3.00} paper statement charge. XXXX from customer service said that the charge would be waived and transferred me to the fraud and security department. The woman who I spoke to said that the account was still open because a case had not been opened in XXXX when I called. She said that the account was frozen. I explained that I didn't want the account frozen, but that I wanted it closed. She again said that they would submit the case to their investigators to look in to the account. I explained that this happened last month but the account was still open. There was nothing that she could do.
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank unjustifiably and inaccurately closed three of my accounts as high risk of failure to pay. My credit report show 100 % on time payments. I have never been late and ALL three accounts were PAID IN FULL. I believe the issue is with the care credit account in which we charged {$5000.00} for a vet bill to help a cat. At the next billing cycle to bill pay paid in FULL, in fact we mistakenly paid them twice. They received {$10000.00}! When reported, we were refunded and then paid the {$5000.00} a third time to the account is PAID IN FULL. I do not want reported as high risk of failure to pay when they received more than owed, on time and in full
Consumer complaint received 2021-04-05
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. (TX)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX XXXX and XXXX ) The collection Agency Waypoint Resource Group which is on XXXX XXXX XXXX XXXX XXXX, TX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/XXXX and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company is also not reporting on my consumer report accurately. The date last active is not accurate between the 3 credit reporting agencies listed above. XXXX is reporting the date last active XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting last active on XX/XX/XXXX. This is inaccurate reporting and is violating the FCRA. They have also violated these laws. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

If this issue is not resolved i will be seeking {$15000.00} per FDCPA violations and Section 616 and 617 FCRA violations for reporting inaccurate information.