davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-08-31
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/XXXX I called Rash Curtis & Associates and they advised me that I owed nearly {$9000.00} in medical debt and they agreed to settle with me for {$5500.00}. They said by paying this, I would be completely cleared and no longer have a balance. When I called, I provided them with my previous married name, XXXX XXXX XXXX and my current ( Maiden Name ) XXXX XXXX XXXX and provided them with my Social Security. My Credit Report began to show them as Paid/Settled except for a handful of accounts. I called them again on XX/XX/XXXX and was once again assured that my account was settled. I filed a dispute with the Credit Bureaus and they were told by Rash Curtis & Associates that I still owed a balance. I called Rash Curtis XX/XX/XXXX and they advised I still owed a balance of {$700.00}. I feel they baited me into settling for a large lump sum and are now trying to take advantage of me by asking for more money, after assuring me that I was completely settled.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of 2019, then they listed 120 days late on XXXX and XXXX of 2019. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files
Consumer complaint received 2021-08-31
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. (PA)

I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

XXXX  - XXXX  XX/XX/XXXX Equifax - XXXX  XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hawes Klein LLC (TN)

This not my account I asked repeatedly for proof regarding this account the complete profile where the signature was provided not a statement I want to know who signed for this account it's been years XXXX  is not investigating the claims associated with the collection on the account I asked the debt buyer for proof of signature who signed for the account nothing has been provided this has been going on for years either provide the proof or remove it
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

Transunion - XXXX  XX/XX/XXXX XXXX  - XXXX  XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (IN)

Currently there is a open and closed account reporting on my credit file with OneMain Financial partial account number XXXX and XXXX, I have requested the late activity on the accounts be corrected and updated on my credit report due to me being affected by the Covid-19 pandemic and the creditor agreed to do such. At this time the matter as agreed has not been resolved.
Consumer complaint received 2021-08-31
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. (VA)

I booked a trip through XXXX XXXX  that was advertised as a stay in the XXXX tower within XXXX resort in the XXXX from XXXX XXXX. Upon arrival we were given a room in the XXXX tower which is cheaper and lower quality. I reached out to the organizer on XX/XX/XXXX and they have yet to respond. I contacted Chase on XX/XX/31 to file a claim. They refused to take the claim stating that I accepted the goods therefore the companies policies would be in effect. XXXX published policy said it was non-refundable and was silent to providing an inferior product. With that being the only disclosure provided feel that Reg-e should still apply. A reasonable consumer would not know to refuse possession. Additionally I have asked for a copy of my CC disclosure as it is not easy to locate on their website or when signed into my online account.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc (CA)

I am a victim of identity theft numerous accounts were opened in my name credit cards, loans, and the list goes on. I need the following account removed immediately from my credit report it has caused great stress in my life. 

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 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I was involved in a car accident in XXXX XXXX on XXXX XXXX. The car that I was renting was from XXXX and I was charged {$20000.00} to my American Express XXXX card for the price of the car. American Express has car rental insurance so I was assigned a person for the claim. I was informed on the recorded calls in XXXX ( possibly XX/XX/XXXX ) that were that they were backed up in their insurance claims department so that it was taking awhile to process. I expressed to this person that I was worried about the interest fees on my card so they transferred me back over to the customer service side of AMEX. While on the phone with this customer service representative, which was being recorded, I was informed that my interest charges would be waived during the duration of the claim process due to it taking a longer time than usual to process. 

I was then given a new claims representative in XXXX where I was asked for more information. I decided to call American Express in early XXXX to just get rid of my balance while the insurance process was finishing up with Amex & XXXX. I asked American Express to honor getting rid of the interest that they said that they would on the recorded call back in XXXX but they informed me after a month long investigation into that call ( On XX/XX/XXXX ) into that call that they would not honor it and I was given no explanation why. I was told by a representative during my call in early XXXX there there was a note in my file that stated that my insurance claim was processed wrong which delayed the process. I am 100 % positive that the representative said that it would be honored and felt safe because it was a recorded call. I have been with American Express for 7 years and have 2 cards under my name and I never had ONE late payment. I asked them was there anyway that I could get that call for myself to listen to but was denied. I'm sure the representative did not think that the claim would take as long as it did to process but that is of no fault to me and that promise shouldn't have been made if it could not have been upheld. I am asking that American Express reimburse me {$2600.00} of interest accrued that was promised of me from the customer service representative on our recorded call.
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-08-31
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. (CA)

On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to XXXX  and Experian for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPT VETS - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update Transunion and XXXX  to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.
Consumer complaint received 2023-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (CA)

This was part of an XX/XX/XXXX " Zombie '' loan I took out over 12 years ago. I completed a Loan Modification and was not aware this loan was never paid off. The XXXX XXXX  HELOC loan sat dormant and never appeared on my credit for me to know I still owed it and had to pay. 
Last XXXX I was told that my home was going to be foreclosed upon. I've since been trying to negotiate with the lender ( SLS ) to remove or reduce the original principle of {$94000.00} but they now are threatening to sell my home if I don't pay {$150000.00} by XX/XX/XXXX.
Consumer complaint received 2021-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Experian are not complying with FCRA in verification of Debt. ( XXXX XXXX ) via a reasonable investigation and not eoscar.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and finally some misinformation like my name, address and employer to my credit report. It is clear that I am a victim of identity thief or fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I submitted a request for a loan modification on XX/XX/2021. I have called CHFA multiple times since then for an update. Every time I call they say that it is under review. Today is XX/XX/2021. No loss mitigation option has been given to me. How does someone who is needing a loss mitigation option supposed to save their home from foreclosure. Other mortgage companies complete this process in a week.
Consumer complaint received 2021-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/2020 I saw charges on my account that were unfamiliar, XXXX for about {$220.00}, and another for XXXX XXXX for just under {$10.00}. I called in to the fraud team at BOA and they were reviewing the account and verified they were ONLINE purchases, no chip used. At the same time they saw other suspicious charges out of Vermont I wasnt aware of they wrapped into the claim. 

A few days later I reported those other charges in Vermont were legitimate and I only needed to keep the XXXX and XXXX charges. They said they'll note the account, even though I asked to start a new claim with just those 2 charges. 

As I started to research, I contacted XXXX to engage them in the fraud purchase, and they referred me to XXXX police. I worked with them and it lead to the arrest of the person who purchased the ticket. They tracked the ticket and awaited the user to board and arrested them. I have previously sent this all to BOA. 

Several weeks ago after going back and forth nearly a DOZEN times and about 100+ hours of phone time, they denied it once again, and my final letter advising that 1. Chip was used, and 2. signature obtained. 

the case worker on the account only receives voicemails and i have left them the last 3 months to him XXXX XXXX XXXX, XXXX XXXX ). I have asked for proof of signature. When I call the actual fraud department, every time I speak to them they can clearly see the charges and they were online charges with NO CHIP USED. they also agree that they are fraud, however, when it goes to the investigative unit they deny the claim. 

The reason I am told they deny the claim is that they are still looking at it for all of the 8-10 original charges on the claim, vs just the 2 that I need in the claim.I know the other are mine and they have known that since day 2. 

I am entitled to be treated fairly. The people i am able to talk to all agree it is fraud and online purchases. I also have a police report I have given them that collaborates the investigation and arrest. For some reason it goes to people that wont talk to me and I can only receive letters from them and they do not return calls.
Consumer complaint received 2021-08-31
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. (PA)

This company claims that they updated XXXX  to reflect that a {$30.00} payment was made for XXXX. However, they failed to update XXXX and Equifax to reflect these payments. Both bureaus still show a {$30.00} balance which was paid. I am attaching the confirmation email when the payment was submitted.
Consumer complaint received 2021-08-31
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. (PA)

I submitted disputes and an FTC report for fraudulent accounts and hard inquiries. 

XXXX  - XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX {$3900.00} XXXX  - XXXX  {$1600.00} XXXX XXXX {$670.00} Equifax - XXXX XXXX {$36.00}