davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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)

I submitted a complaint with Experian on XX/XX/2021 and received a response that the item I'm disputing is not reporting on my credit report, so I pulled a credit report for Experian and the bankruptcy is CLEARLY still there!
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I reported the illegal stealing from our account and no one is listening. Here is proof in black and white. Phh/Ocwen/homeq reported false 1098 to our taxes and then tried covering it up. They also reported fake amounts they paid in my escrow accounts which you will see I have attached. They reported fake late payments and fake NSF charges when I paid on the first. I do not have a checking account so how are there NSF charges? It's all forged. Please look at the attached documents and see for yourself. I want them to shut down and arrested for theft. Look at XXXX where they charged over XXXX for school taxes when the taxes were XXXX. This is fraud. Look at XXXX where they paid insurance twice for XXXX. Look at all the fake late payments and NSF fees. Everything circled I want a receipt for. I want copies of the checks they state are NSF. They are lying. I want everything in excel format and not this crazy format they are using. Look at the fake insurance companies and the long-form fees for XXXX XXXX. We have never gone without insurance and they forced their fake insurance and charged us. Please fine them for every mistake.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company CAPITAL ONE BANK USA N was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : CAPITAL ONE BANK USA N - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Consumer complaint received 2021-07-01
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. (CA)

The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Acct # : XXXX
Consumer complaint received 2020-07-11
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. (PA)

In XXXX 2020 I purchased round trip ticket XXXX ( XXXX USA-XXXX ) using my Chase Amazon Prime credit card. 

In XXXX 2020 the first leg of the flight was cancelled by the airline. In XXXX 2020 the second leg of the flight was cancelled by the airline. 

The airline no longer flies this route and it is unknown at this point when and if the route will be reinstated. 

The contract of carriage says that I am supposed to be offered cash back if the flight is cancelled by the airline. See article 17.2.2 ( 1 ) of the contract of carriage which covers the flight cancellation provision ( attached ) The airline violates its own contract of carriage and is only offering the voucher for future travel. I have no use for such a voucher. Airline does not offer cash though it is supposed to offer it as refund option according to its own contract of carriage. When I contacted airline in XXXX 2020 they refused to give my money back. 

I initiated the chargeback with Chase Amazon Prime, Chase is refusing to refund my money for the service I did not receive. 

I contacted Chase via phone in XXXX 2020. Then in XXXX 2020 and then in XXXX 2020 via regular mail. Chase is refusing to complete charge back on my behalf, thus it violates the Fair Credit Billing Act. Chase leaves me exposed to the charges for which I have not received any service.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax has been giving false scores to other parties on my behalf, I never instructed or consented to Equifax furnishing my information to other parties. Equifax was unfair, partial and did not respect my right to privacy in accordance with the law specifically. They did not have my consent and respect to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports1681a and 1681c.
Consumer complaint received 2021-07-01
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-30
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 sent a letter to Equifax pursuant to section 605b ( c ) of the fair credit reporting act along with an identity theft report from the FTC and a copy of my state driver 's license and social security card and they responded that they are not blocking the information in my request.
Consumer complaint received 2022-01-01
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: EQUIFAX, INC. (GA)

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, Equifax, and XXXX. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX  and XXXX  XXXX.
Consumer complaint received 2024-03-21
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Solutions Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$830.00} XXXX XXXXXXXX Balance {$830.00} Inquiries XXXX  Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX First Premie Date of Inquiry : XXXX XXXX Of XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date  of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

On XX/XX/2023, I applied for mortgage relief assistance with XXXX. On XX/XX/XXXX, approximately 80 days later, I received a notification of denial of funding. The reason given was that the mortgage servicer at that time, XXXX XXXX  XXXX XXXX XXXX claimed that my mortgage had been paid off. Nothing could have been further from the truth. My mortgage had actually been transferred in-house to AimLoan.com, their employer. 

XXXX 's misrepresentation of my account caused me to lose thousands of dollars in mortgage assistance. 

After several failed attempts to have my application reopened and sent to the correct servicing department, I was forced to reapply. On XX/XX/2023 I submitted a new application to XXXX. On XX/XX/XXXX, I was notified by XXXX  my application was complete and internal processes had been initiated. This included contacting my mortgage servicer, Aim Loan, for verification of the loan. As of today, 21 days, XXXX has not responded to XXXX 's request to confirm my loan information. Thus causing an unnecessary delay in the processing of my mortgage relief funds. Without this verification, my mortgage assistance application can not move forward. 

In the meantime, Aim Loan 's Loss Mitigation Department ( XXXX ) has begun deriving letters with false claims of speaking to me and agreeing to a new deferment plan. Aside from the fact I have not spoken to anyone from loss mitigation about crafting a new deferral, the amounts they are proposing are erroneous and do not accurately reflect the current delinquent balance in any way. There is also a reference to an existing past-due amount of {$6300.00}. with no explanation of how this figure was derived. 

The details of these errors and more are included in an email I sent to Loss Mitigation ( XXXX ). ( See attached. ) PS - It may be noteworthy to mention the letter I received from Loss Mitigation refers to the old Loan # ( XXXX ). The same account that had been reported to XXXX  as paid off. How can my old account have all these new balances and delinquencies? 

Everything should be pointing to the newly derived account # XXXX.
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

At the release of the new XXXX XXXX in XX/XX/2020 the only remaining XXXX  required financing through Citizens One. Although immediately " approved '' XXXX ran into supply issues and notified there would be no XXXX. I then tried to work with XXXX/citizens to make sure my credit report would not be impacted. During this process XXXX was able to secure XXXX for people who had this issue. I setup autopay but never received any confirmations. I also made a direct payment and no confirmation email. This eventually lead to two missed payments. When I explained the issue to citizens they fixed the account, fixed the penalty charges, and agreed to fix the credit reporting. Citizens Billing shows on XX/XX/XXXX they emailed internally a credit dispute group. They stated they have no way of knowing if this group read the email/took action or additional way to get followup. Citizens will not provide email address to work toward resolution in writing. They've advised to also file through credit agency direct to which the inquiry was rejected. I do not believe their internal ( Citizens ) credit dispute department has reviewed the account, calls notes, and commitment on file that they would resolve this. Our credit score was impacted 75 points making it so though preapproval for a new home loan is skewed 10 's of thousands of dollars over the life of the loan due to the lower score. I'm at witts end.
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. And according to the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract of any and all accounts you post on my credit report. you have not sent me any information not even a letter stating that you have verified through the physical verification of any original signed contract. You are in violation of the laws and I want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the laws properly.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (TX)

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Please delete these accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX # XXXX Account # XXXX  7. Account Name : XXXX XXXX  Account # XXXX
Consumer complaint received 2021-06-30
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: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$130.00} MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2020-07-12
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. (CA)

covid 19 and identity theft has ruin my life. i have accounts that i did not open. please block all fradulent accounts from my credit report. 


XXXX XXXX  XX/XX/18 {$0.00} XXXX ACCOUNT XXXX  XXXX XXXX ACCOUNT XX/XX/18 {$25.00} XXXX   XXXX  XXXX XX/XX/18 {$0.00} SEVERAL MISTAKES NOTICE LIKE SPELLING OF MY NAME. SAME ACCOUNTS WITH DIFFERENT NAMES AND FRADULENT ADDRESSES. 
INQUIRES XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ALL SINCERLY, XXXX XXXX XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I called Wells Fargo Mortgage while I was XXXX to see if there was any assistance they could offer. They advised me I could have a 6 month forbearance and would not be marked as delinquent and at the end of the 6 months they would review my account and put me on a plan to pay the amounts I was behind. At the end of the 6 months they marked my credit report late during the months I was in forbearance. I called and the corrected it then they told me I had to fill out an application for a loan modification. I have filled it out 3-4 times, sent the documents in 4-5 times. They have lost it, can't find it, took it out of review, put it back in review. They have changed my case manager 4 times and the last one, XXXX XXXX is as rude as they come. They told me they don't take emails ( which is how I sent the documents ) and they tell me to go to www.wells.fargo.com/assist and I can't or have never been able to get onto that website. I am home with a broken ankle with no access to a fax machine. I have been trying to get this resolved since XX/XX/XXXX and they won't process my loan modification or tell me what is going on. I have been sending them $ XXXX {$700.00} every two weeks to try and catch up and sine my mortgage is {$1200.00}, they send me checks for {$200.00} back saying I over paid?
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I sent in a debt validation stating that the claim is disputed an I request validation 15 USC 1692g..Im still waiting on a response from the company. 
also they violated 15 USC 1962a DEBT Collector. Violation 15 USC 1692b ( 5 ) use of symbol on content. Violation 15 USC 1692d ( 1 ) Harrassment. Violation 15 USC 1692e ( 11 ) ( 4 ) false or misleading representation.

I also marked all the violations on the said paper that was mailed out. 

XXXX XXXX XXXX debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (MI)

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this
Consumer complaint received 2021-01-24
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. (CA)

Ive spent 6+ letters to the bureaus to correct late payments, information on my credit report and to open disputes on inquiries and accounts and nothing on my credit report has updated or shown an open dispute