davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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. (NY)

I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX  I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One XXXX XXXX  XXXX XXXX VA XXXX has reported inaccurate information on account ending XXXX. The account was compromised due to fraud, a claim was filed claim # XXXX. This claim was found to be in my favor. There was a credit of XXXX credited to my account. Capital One is still reporting this derogatory information to my XXXX report. At the current moment the account ending in XXXX is currently open.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. These charges are on Southwest credit card numbers : XXXX as well as XXXX. Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. A copy of the police report is attached
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Best Buy purchase almost 2 years back. All payments made on time. {$1500.00} balance, {$670.00} interest added all at once in XX/XX/2019 for total of {$2100.00}. Was told payoff was {$1100.00} but another {$300.00} in interest would be added if paid off. Called to inquire, told it was a program with interest added at the end.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-12-23
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)

I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately.

I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (VA)

I opened account 3yrs again and was late making payments back because I was laid off.But made arrangements with XXXX who was Supervisor at XXXX XXXX XXXX  and paid off balance with my tax refund in 2017 and paid balance of {$330.00} which was late fees added and XXXX supposed had closed my account but I found out years later my account was still open and sold to third party.My Identity was stolen and my account through my Credit Union was hacked during the end of 2017 I found this out through my Credit Union and all my accounts was frozen and I had to pay my bank back for the money someone put in my account and took out.Police couldn't do nothing because it was a Scam from fake US Treasury.My credit score has been damaged because of this and I spoke with the Third Party who brought my account and let them know I paid and sent the info to them from XXXX who was Supervisor at XXXX  XXXX who I paid for my account to be closed.The company stated I still have to pay them I told XXXX from that company I will not pay No more money when my account was supposed to be closed and the Fact I sent in proof to them and they trying to Scam me out of more money.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NC)

Equifax This showed up on my account I didnt request this from them. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX- XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 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 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 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 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 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 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 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 2023-11-02
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: Experian Information Solutions Inc. (GA)

This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ XXXX XXXX XXXX  ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (KY)

Beginning in early XX/XX/2023 I requested via phone to start the process to have my PMI removed. Over 3 months later, it still has not been removed. Caliber 's own process was to get an automated value, which I paid for as soon as instructed. The value came back at {$710000.00}. My balance at the time of the request was {$480000.00}. This yields a loan to value of 67.7 % which is well below the legal requirement of 75 % or less. I had paid 24 months of consecutive on time payments at that time ( and all payments since ). The Homeowner 's Protection Act requires the PMI be removed if requested after 24 months of on-time payments and if at an LTV of 75 % or less. However, Caliber keeps sending me letters saying the value isn't sufficient and they need another appraisal in order to determine if it can be removed.
Consumer complaint received 2022-04-21
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. (IL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

On Friday, XX/XX/XXXX at approximately XXXX XXXX I went to BMO Harris bank on XXXX XXXX XXXX in XXXX, WI to deposit {$240.00} into my checking account via ATM. At that time {$120.00} was recorded but was not placed into my account however {$240.00} was the amount deposited. The denominations were one single  XXXX dollar bill and seven XXXX dollar bills. The ATM logged off and shut down, and at that time I saw an employee exit the building as they were closing for regular business hours. I asked her if she worked at the branch and she replied yes. I quickly explained what had just happened and the employee stated that the only way she could help me was for me to come back the next morning. The next morning I went back to the branch to discuss this with the same employee about the issue I had experienced at the ATM. She called the corporate office and filed a dispute to rectify my {$240.00} deposit. I was told ATM would be balanced and my money would be deposited at a later date. However my rent was due and I needed the money placed in my account immediately. My boyfriend stepped aside to take a phone call, the employee proceeded to offer me a credit card so I could take a 26.4 % cash advance on the credit card in order to pay my rent. I had no intention of opening a credit card, I did not believe this was the only option to obtain my funds however felt forced into opening a credit card with BMO Harris. Due to my age I felt that opening a credit card was not a reasonable option. After I had opened up the credit card, I called the BMO Harris customer service phone number to explain the issue that had occurred and the lady on the phone would not help me as she was stating that I was being " coached '' by someone in the background during my phone call, the lady proceeded to state that she could not help us due to this fact and hung up. To date my funds have not been deposited into my account. On XX/XX/XXXX, I called the bank manager to see how this situation had progressed and was told that it was not even on record but would look into it the following monday, XX/XX/XXXX. I am not in a position to be without this much money and need this rectified as soon as possible.
Consumer complaint received 2022-04-21
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. (OH)

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX Account Number XXXX Has violated my rights. 

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.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Report Act : Account Name XXXX XXXX XXXX  Account Number XXXX Has violated my rights. 

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.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 I disputed an account that was paid in full, I submitted evidence online that it was paid and on XX/XX/2019 they responded that the balance they are reporting is correct, how can this be correct when I paid it off and the 2 other major credit reporting agencies had updated their reports to show my balance was paid in full and closed. I have attached 2 snap shots of XXXX  and XXXX XXXX with those said accounts and the balance and when it was updated.
Consumer complaint received 2019-12-02
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)

Sent several dispute letter asking for how this public record was verified I have a letter from the courts stating that they dont give records out to 3rd party agencies and I have a security freeze on my XXXX  XXXX.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (GA)

Experian the Credit Bureau out of all other 3 Bureaus is refusing to help with a dispute for an account that is not mine. I'm attempting to dispute a notice from XXXX XXXX XXXX XXXX XXXX for a bill of {$400.00}. Since this bill is now in collections, it was showing on my credit report throughout each bureau. I made it VERY clear on my dispute notes that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit.

So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the XXXX or XXXX week from filing. Even after providing documentation EACH time, Experian was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and FULLY investigating the situation. When asking about my IDs, they stated that my ID was legible and my father 's ID was hard to read. However, both IDs images were sharp but Experian was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? Over the phone, a representative actually admitted to changing the IDs from in-color to black and white in order to meet their standards. Which could be a reason as to how this appeared to be a problem with them reading it properly in the first place. The last dispute I filled with them, I fixed the IDs to be black and white still there was no positive outcome with my results. 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by Experian Credit Bureau along with the original creditors and collection services! I can provide as much information as possible if needed, thank you!