davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-21
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. (IL)

THE XXXX XXXX is showing up on EXPERIAN under account # XXXX. The open date is different than what is listed on XXXX and there is nothing for this account listed from XXXX. I really have been spending countless hours now monitoring my credit report, filing dispute and spending valuable time since my identify was stolen. It seems like this may be my life. Monitor and dispute. This account does not belong to me. Also, the information is completely different on two different credit bureaus and doesn't even show up on XXXX. This is willfully noncompliance. They know I have a fraud alert on my files, and they still make me go through this process.
Consumer complaint received 2021-11-20
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: CITIBANK, N.A. (CO)

I contracted XXXX to create a website for my painting business in early XX/XX/2021. On XXXX they advertise their services as having a XXXX XXXX money back guarantee on their design as well as prompt turnaround times of XXXX hours or less on any revision to my website. They also promised a seamless website design experience. This is all on their homepage clear as day. 
I have gone thru XXXX of XXXX XXXX web site designers. They each failed spectacularly at their task of creating a simple easy to use website for my painting business. 
Their turnaround time was not XXXX hours, it was typically about XXXX weeks to get a response. Even after waiting XXXX weeks for simple changes such as my partners name to be added as well as his phone number, to remove repeating text on the page and to remove a section to says that we sell commercial flooring. We do not sell anything and these changes were not made after XXXX or more attempts. They finally delivered a terrible website to me mid XXXX and I was not happy. I let XXXX my project coordinator know that at this time I was no longer interested in any further revisions as I was not waiting any more for this project to be delivered and I was unhappy with everything from the beginning. 
I disputed the charges with citibank ( the credit card used for purchase ) and they said they would investigate the charge and my dispute. They finally updated my credit system today and reversed the dispute. I spoke to XXXX agents from citibank dispute team and tried to let them know that this was fraudulent charges at this point as I have been scammed by XXXX. I even provided the emails and texts as well as their guarantee of XXXX % money back if I wasn't happy. 
Citibank told me that there was nothing that they could do and they could not reopen the dispute. 
It is clear that they did not investigate anything related to this dispute and they are holding my XXXX XXXX XXXX. There is no reason at all that I should have to pay for this when they state that there is a XXXX % money back guarantee right on their website. I've provided proof, I've contacted XXXX several times asking for my refund but they do not answer my calls or my emails. I am extremely frustrated with citibank and feel they are equally responsible for this fraudulent charge being placed on my credit. 
I tried to get the supervisors name from citibank and she would only provide me the information " XXXX from the XXXX office ''
Consumer complaint received 2021-11-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX, please delete remove the unknown addresses.
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on the response to the written requests I sent on EQUIFAX. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX OF XXXX - XXXX Balance {$0.00} ; XXXX, XXXX - XXXX Balance {$19000.00} ; Chapter XXXX Bankruptcy - XXXX Filed on XX/XX/2021 2021
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have listed below the accounts name number and addresses. 

Name : CCB/ ULTA  Account # : XXXX Address : 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 CCB/ FE21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Thank you for your time. I have been going back and forth with all XXXX credit bureaus Equifax, XXXX, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the Equifax breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I gave Authorization to XXXX by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted XXXX now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account XXXX ( {$660.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opening date : XX/XX/2019 This is not mine.
Consumer complaint received 2022-05-23
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. (IN)

This is XXXX XXXX, and I am submitting this complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Hi, Equifax is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop 38 points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit & ALL OF MY CREDIT REPORTS! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. I have uploaded supporting docs. Thank you
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (PA)

Mr. Cooper d/b/a Nationstar Mortgage has systematically paid incorrect real estate tax amounts from my home mortgage escrow account for three years in a row. 

For the past two years they have failed to reduce my tax bill by the amount covered under the XXXX XXXX Tax credit and have overpaid my taxes. This is reflected in discrepancies from the amount deducted from my escrow account and the amount credited to my city tax account. 

This year they reported tax payment and deducted the amount from my escrow account, however my city tax office has no record of payment one month after the funds disappeared from my account. 

I have made attempts to contact Mr. Cooper about this abuse by phone and email multiple times over multiple years. No resolution has ever been reached. My emails get sent to a third party XXXX  account and are left unaddressed. 

This company has systematically abused my consumer protections and silenced my attempts to resolve their abuses by failing to communicate with me via phone and email.
Consumer complaint received 2021-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I requested validation and all original documentation stating that I have a signed contract between this company PRO COLLECT of the alleged debt this company stated. I allegedly owe the sum of {$1000.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these two company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged with both collection agencies, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent 2nd request sign affidavit to retrieve documentation from the 3 credit bureaus and 2nd request signed affidavit certified mail with a return receipt to PRO COLLECT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX vie email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with the collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from XXXX XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This letter is being written on behalf of XXXX XXXX XXXX fraud report Claim # XXXX. 

I am currently an account holder with XXXX XXXX XXXXXXXX Employment Development Department prepaid debit card. I have been receiving benefits from XXXX since the COVID 19 Pandemic began. 

On XX/XX/2021 I logged onto my account and realized {XXXX were suddenly removed from my account from various fraudulent charges throughout the country. These charges date back to XX/XX/2021 and over the course of the XXXX almost all of my money was gone leaving me with only pennies in my account. These charges include things such as XXXX XXXX, XXXX XXXX XXXX, XXXX, the UXXXX XXXX XXXX, just to name a few, obvious things that would not be purchased by me. These charges range anywhere from {XXXX to over {$XXXX}. 

I filed my first claim with XXXX XXXX XXXX on XX/XX/XXXX, the day I realized what had happened. I was provided provisional credits over the next few days. Those credits were completely removed XXXX days after the first claim was filed and this case was closed by XXXX XXXX XXXX  stating there was a lack of evidence of fraudulent activity. After I received the provisional credit I promptly transferred the funds into my personal bank account in fear that it would be stolen from me again. This resulted in XXXX XXXX XXXX putting a - {$XXXX} on my account stating that I owe this amount. 

I re-opened the claim on XX/XX/2021 with the same claim number and requested XXXX XXXX XXXX  send documentation providing evidence of a thorough investigation and how the decision was made to close the case. I did not hear anything else from XXXX XXXX XXXX 

On XX/XX/2021, I received another notice by XXXX XXXX XXXX  indicating that the claim was closed due to a lack of evidence, again. All of these letters are postmarked exactly XXXX  days after making phone calls to the fraud department to reopen the claim. All of these attempts were denied with no indication any further investigation was performed.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated 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, TransUnion 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 report : Late/Closed : XXXX XXXX Balance {$0.00} ; Charge-off : XXXX DEPARTMENT STORES XXXX Balance {$1700.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and XXXX have already removed an account in collection from XXXX XXXX XXXX. I have spoken with collection agency on Tuesday XX/XX/XXXX and they have confirmed this has been paid and account balance is in XXXX. 

XXXX XXXX XXXX XXXX  Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement. 

Experian On your previous report you had XXXX collectionnow you have 0. This usually means that your collection account has aged off your report, or it was removed as the result of a dispute. 

Only Transunion is showing this as not paid and needs to be updated and removed from my credit score
Consumer complaint received 2021-11-20
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. (WI)

I gave Authorization to Experian by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted Experian and XXXX XXXX now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. XXXX was also notified. XXXX unable to apply for a XXXX card due to this fraudulent account. 

XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft
Consumer complaint received 2021-11-20
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. (CT)

XXXX XXXX Mortgage does tax fraud by reporting late payments and dalinquincies that do not exist. They did this with my mortgage and said that I was late with payments after the mortgage was already paid off and for a period of time where the mortgage was already paid off and could not have been late.