davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-30
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. (AZ)

Today is XX/XX/XXXX for the record, and On XX/XX/XXXX Equifax received my dispute for an error on my credit report. I had already tried disputing this item 2 or 3 times in the past year or so before that and they insisted the information was accurate. This time i have not received any updates or information and when i check the website it is still listed as pending investigation, with an estimated completion date of XX/XX/XXXX. It has been almost AN ENTIRE YEAR. This account in error is one that isn't even mine, it is my mom 's who shares the same name as me and attended the same doctor 's office. The files obviously got mixed up, as at the time i was on state govenrment health insurance and would have not had any out of pocket medical bills. The collection company sent us a an overview of the testing that was billed, and they were all tests run quarterly for my mother 's health conditions. However i have not received any communication from Equifax. The result of the pending investigation is that my credit report is no longer accurate, it reflects higher balances on loans and cards that i have been paying for 10 MONTHS, as well as damaging my credit score i have worked so hard to build. This is completely irresponsible and reprehensible.
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Consumer complaint received 2021-01-27
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

XXXX XXXX XXXX is still reporting a charge off to ChexSystems from XX/XX/2016. The reporting is listed in a negative context as a charge off status within the report. The negative balance of {$320.00} was resolved with the third-party collections firm utilized for collection by XXXX XXXX XXXX. Per the discussion and agreement with the collection company, this would not be listed or reported in any way to my credit report including ChexSystems. Neither XXXX XXXX XXXX nor the collection company has upheld their commitment to not report negative information and/or remove negative information.
Consumer complaint received 2023-02-10
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. 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 UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

ongoing nothing settled, breach of contract not paying property taxes, unfair banking, ect. So much distress this is not addressed to, second complaint. Paying property taxes that they are responsible for., along with penalty 's. Constant notification from tax collector.latest one is upset sale, delinquent real estate taxes. Wells fargo should be held accountable
Consumer complaint received 2017-05-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Our mortgage was with  XXXX  they started legal action against us and we were making or mortgage payments. This started in  XXXX . I entered into an agreement with  XXXX   XXXX   XXXX . I was worried about going into foreclosure so I made an agreement of a {$3500.00} down payment and pa id 3X  {$1400.00} for each month for 3 months. We never received the final documents that were promised to us by  XXXX .   Still very worried I was referred to Attorney  XXXX   XXXX   XXXX , he charged me a professional fee of {$5000.00}. when I first went to his office. I had to give him {$2500.00}.   {$750.00}  XXXX   XXXX ,  XXXX , {$750.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX , {$500.00}  XXXX   XXXX ,  XXXX  this was for basic services plus {$500.00}  XXXX / XXXX / XXXX  to his secretary.     I later found that he had not submitted any documents to  XXXX  on my behalf.   Then I was transferred to  SLS Loan  servicing and it has been one problem after the other. And now a foreclosure sale for  XXXX   XXXX ,  XXXX . SLS does not want to help me in any way.
Consumer complaint received 2023-02-10
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (SC)

On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. 

On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. 

The out come was that all three account were closed and reported as closed to all credit bureau. 

On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. 

I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.
Consumer complaint received 2023-01-03
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. (NY)

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$710.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1500.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX If account was charged off, the negative history should not be reported.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2017-05-05
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. (AL)

I checked my credit report and noticed that I have  XXXX  account in collections with  XXXX   XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
Consumer complaint received 2021-07-30
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-24
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. (FL)

The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.
Consumer complaint received 2024-01-10
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

I have spent nearly 2 months, 2 in person visits, and several hours on the phone trying to recover {$2200.00} that was stolen from me. 

My wallet with ID and debit card was stolen from me in XX/XX/XXXX. I immediately notified the bank and felt I should close all 6 of my accounts, but I was assured by the fraud department that extra security measures would be placed on my account. They informed me that the extra security would mean that no business could be conducted on any of my accounts over the phone or in the drive thru lane. I would need to go inside and present 2 forms of identification. 

At the end of XX/XX/XXXX, a theif impersonating me presented a stolen check written to me to be cashed. The teller cashed this check in the drive thru lane with only my stolen driver 's license for identification! When a stop payment was made on the check by the other victim of this theif, SunTrust removed the money from my account.

I was originally told it would take 15-30 days to investigate ( which I felt was ridiculous as this was not regular identity theft, this was 100 % Teller error! ). I was told on at least 5 different phone calls that I would receive a phone call within 24-48 hours and it has never happened! In all of this time I have received 1 email which required me to return a signed affidavit. This was almost 2 weeks ago. I emailed the affidavit right away and immediately received a notice that the representative was out of the office for several days. I've sent 3 more emails to this representative, with no response.

I am at my wit 's end. I have been a SunTrust customer for almost 20 years and am beyond dissapointed. I want my money back!
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TN)

On XX/XX/XXXX, Discover froze my secured credit card for no reason. They claim something about the IRS. The email they sent me looks like a scam. Not from them. They refuse to let me use my card again without filling out an emailed form which is password protected. They have the password and so far refuse to release it. They stole {$500.00} from me and I want my money back. Their telling me to fill out their password locked info that I can't do or wait three plus months for my deposit back.
Consumer complaint received 2021-10-23
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction. Additionally, I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (VA)

I bought my house in XXXX I was forced to file for bankruptcy. Chapter XXXX. Reorganization. I lost my job and was denied unemployment due to Covid 19. Local agency actually did not help me in any way. They made it very difficult on me because I complained about them on social media. So I was working for temp employment agency. I only worked part time 24 hours a week. US Bank would denied me loan modification. So I was forced into bankruptcy to save house. I struggled to make the trustee payments. I kept making trustee payments but was unable to make US Bank mortgage payments. I recently on XX/XX/XXXX signed on full time with company offering full time wages and benefits. As soon as they could legally US Bank filed to remove me from my home. Even though I just started working and requested loan modification application. They made me wait 1.5 hours on phone only to be told they can not let me fill out anything electronically. They will mail me application. They lied. They never mailed me anything. Except court papers to have me removed from my home. Even though I can afford to pay them now.
Consumer complaint received 2021-10-23
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: JPMORGAN CHASE & CO. (NY)

I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-01-10
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. (IL)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. XXXX. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2024-02-27
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Early Warning Services, LLC (CA)

Early Warning Services reported FIVE DIFFERENT XXXX XXXX ACCOUNTS. I disputed since early XX/XX/2021 the five accounts, and some days later XXXX XXXX REMOVED MY FIVE DIFFERENT ACCOUNTS REPORTS. Early Warning Services has : 1- Answer ONLY ONE account, and does not want to answer THE FOUR REMAINING ACCOUNTS. 2- Early Warning Services WROTE AN INCORRECT ABA Number in my dispute case XXXX. 3- Early Warning Services WROTE AN INCOMPLETE ACCOUNT NUMBER, which were marked with encrypted xxxxxx that could be used in an fraudulent way. I request a COMPLETE ACCOUNT NUMBERS, AS WRITTEN IN THE EARLY WARNING REPORT, and I REQUEST AN ACCURATE ABA INFORMATION.