davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-07-25
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-16
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: Conn's, Inc. (CO)

On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

Conn 's has been removed from my XXXX  credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. 

Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans Union and XXXX and XXXX has my name ALL spelled wrong. Each one of them has a total different spelled. I talk to this people just about everyday they all know my name so why do they keep spelling it ALL wrong? It has been this way now for the last 5 years.FIRSTthey all 3 had me listed as dead on my reports i get that right and now they r still spelling my name wrong even after i have sent them proof, I call to get my reports they send in wrong well i call again a week later they send in different name and this bs has been going on with them for a while i even contacted the ceo of the companies on linked in. MY ID IS IN MY MAIDEN NAME AND MY SSN IS IN MY MARRIED NAME AND I DONT THINK THAT I HAVE TO CHANGE IT OVER OR BACK>
Consumer complaint received 2023-02-09
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-02-26
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-25
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-25
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTED582NN XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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. (TX)

Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (KY)

I am a XXXX Veteran that is fully aware of the laws pertaining to medical debt from outside treating physicians/hospitals. I was told the bills submitted to my credit file were never paid by the Dept of Veterans Affairs when in fact they were never billed to them. I spent nearly 3 weeks making calls and collecting the appropriate documents. After numerous calls I discovered the bills were never submitted to the VA for payment and XXXX XXXX XXXX superseded the federal law prohibiting collections against veterans. H. Rept. 115-1025 -  PROTECTING VETERANS CREDIT ACT OF XXXX. I have made several calls to XXXX and left several messages for a supervisor to call me back regarding this situation. To this date I have not received a call. I advised them to send the bills in to the VA and they refuse to do so, they additionally stated they do not need to follow the law that was passed. XXXX  medical billing department has since sent my file to CHOICE RECOVERY where they have reported the collection to my credit. I am attempting to buy a house for my family and now my credit score has dropped over 35 points due to their clear and intentional violations of federal law - - Account Number XXXX - - Account Type Collection - - XXXX XXXX XXXX - - Date Opened XX/XX/XXXX - - High Balance {$0.00} - - Monthly Payment {$0.00} - - Account Balance {$580.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$0.00} - - Remarks - - - Responsibility Individual - - Past Due - 30 Days 0 - - Past Due - 60 Days 0
Consumer complaint received 2022-09-16
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NC)

2 XXXX XXXX XXXX Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

One Main Financial debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer. 

it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted. 

Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines. 

Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent. 

A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently. 

As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IA)

Hello, I have an account with Chime back and ever since XXXX I have had fraudulent charges on my account since then. I have filed claim after claim and every time chime tells me nope you made the charges. If that were true I wouldnt file a claim saying the transactions were not mine. I cant count the many cards I have had closed and a new one sent to me. I have had i am going to guess 6-8 new cards sent between XX/XX/XXXX and XX/XX/XXXX because of fraudulent transactions. I would like my money back for all the transactions that are not mine which can be found in the 4 photos that I have attached. I have tried and tried to have a dispute opened again for all of the transactions but the online banking will not allow me to open one. I am also going to my local news channel to advise of them of what is going on with Chime bank and how they take money from people and do not properly investigate like they should. All my investigations were opened and completed in less than 24 hours. That is not nearly enough time to contact merchants and open disputes. Please refund the money that is owed to me. 

I have also uploaded an email Chime Bank that said there was a login from XXXX  on my account. That is not me I am in XXXX My password keeps getting changed as well and I am not the one changing my password.
Consumer complaint received 2022-11-05
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. (OH)

Transunion and XXXX are reporting 3 public records that I have tried to have removed. I contacted the XXXX XXXX XXXX and they provided me with a letter stating they did not report this information to the credit agencies. After research I found out that XXXX reported this information. I have tried to dispute with XXXX and I have not had any luck getting this removed. As a result I have been denied a mortage loan. This inaccurate information causing me serious financial issues.
Consumer complaint received 2023-05-25
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I bought my home in XXXX of XXXX. I have maintained steady payment for taxes and insurance all since that time. Through all the outrageous insurance and property tax increases and taking care of my child as a single parent - I made my payments on a {$150000.00} home. However, this new increase from my Insurance/mortgage, I can not pay! My mortgage company ( Specialized Loan Servicing ), is saying I need to add an additional {$400.00} a month, to pay insurance and taxes. That adds up to {$900.00} per month- just for insurance and taxes - PER MONTH! So now, my monthly mortgage payment on a XXXX XXXX home, went from {$1400.00} to {$1800.00} PER MONTH! Per the Mortgage company, they estimate my taxes for XXXX @ {$3400.00}. I asked to have the taxes taken from my escrow and i will pay on my own. They told me, " to do that requires a decision by the board which will take 15 business days ''. My insurance went form {$200.00} to XXXX XXXX since XXXX. Never mind the fact that I take great care in maintaining good credit and making all my payments on time no missed or late payments in 10 years! I'm being penalized for maintaining a good payment record. I think Im being priced out of my home. Why is the state not assisting homeowners to stay in their homes? Helping homeowners to stay in their homes, creates a stable neighborhood, City , County, and ultimately, Country. I have tried looking for cheaper insurance. My broker says they can not find any cheaper Please help, homeowners are suffering. This is the only value I have ; I feel like Im being pushed out of my home, and Im on my own with not help. While everyone is grabbing at me for more money, more money which I dont have! Please find me help me find affordable home insurance.