davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-10-01
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. (NV)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2023-07-13
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)

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FinCo Services Inc DBA Current (AZ)

Current is an online banking platform and XXXX XXXX XXXX is the issuing bank. Going forward company is meaning Current and the issuing bank XXXX XXXX XXXX. 
Company repeatedly rejects checks from globally recognized financial institutions for no apparent reason. Upon contacting the company all i can be told is they can not accept the check. 
This company requires you to endorse the back of the check stating " for current deposit " or " for current mobile deposit ". 
When this company rejects a check for no apparent reason it can be frustrating because it is already endorsed to them and I have yet to find a different financial institution willing to accept the check. 
This has caused financial burdens due to the fact that I am unable to deposit a check, and sometimes have to pay a fee to get a new check issued. I have been told fees must be assessed because the issuing has to pay to cancel the first check. 
On top of this company repeatedly rejecting check for no apparent reason the also charge fees for services they advertise but do not provide. 

And no, the check are not NSF. Just the bank repeatedly rejects them after requiring an endorsement.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

We purchased our home in XXXX XXXX XXXXXXXX. Mortgage via local firm XXXX XXXX XXXX XXXX XXXX of XXXX, mortgage sold to Mr. Cooper ( Nationstar Mortgage LLC. ) On XX/XX/XXXX, I forwarded a a XXXX " Additional Tax Assessment '' letter from XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notice of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a noticed of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded yet another notice of delinquent school district taxes including penalties and fees to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notification of unpaid XXXX XXXX Taxes to Mr. Cooper. 
Today, XX/XX/XXXX, I received notification from XXXX XXXX XXXX, a firm representing XXXX XXXX that there is now a tax lien on my property related to unpaid XXXX Taxes. Upon calling the firm I was notified that there is a second tax lien on my property from XXXX XXXX. 

I am aware that my initial mortgage payment was based on XXXX taxes and did not include tax increases due to a reassessment that year. I have made Mr Cooper aware of this. In response, they have raised my monthly mortgage payment multi times, from {$1500.00} to {$2200.00}, a substantial increase and burden. We have not missed a single payment. My wife and I are in the process of developing a plan to cover our escrow deficit. In the meantime, we expect that our taxes are being paid. Mr Cooper has been completely unresponsive to this issue. Despite correcting the XXXX XXXX delinquency, they obviously made no effort to correct delinquencies related to XXXX XXXX XXXX taxes, despite being notified of the issues multiple times. We now have XXXX tax liens on our property and this is completely unacceptable. I spoke with Mr Cooper today and demanded action and a call from the escrow department.
Consumer complaint received 2020-10-02
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have recently reviewed my credit report and I would like to inform you the inaccurate reporting on my credit file. I am requesting under the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681i, that a investigation on this account from Common Wealth Finance for XXXX XXXX XXXX for XXXX this is not mine.
Consumer complaint received 2020-10-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

I received communication from Americollect claiming that I owe {$490.00}. Under the Fair Debt Collection Practices Act, I sent a certified letter with my current address to Americollect to request validation of the debt as i did not recognize it. The letter was delivered on XX/XX/2020 and to this date have not received a response. As it has now been 30 days, this is required to be removed from my credit report and i have received no communication whatsoever.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I have owned a Chase credit card for several years with a credit limit of {$4000.00}. In XXXX of 2020 I utilized my income tax return to pay off the entire balance of the card in an attempt to increase my credit rating. I had plans to make a major purchase in the near future so I paid off the card to obtain the best APR possible when applying for the loan. Without notice from Chase Bank, I received an alert from two credit monitoring agencies I utilize both notifying me that my credit rating had dropped, considerably, in XXXX of 2020. This drop was a result of Chase lowering my credit limit from {$4000.00} to a mere {$500.00} limit, and they then tacked on a {$100.00} membership fee. Several unsuccessful attempts were made to telephonically contact their customer service department for an explanation for the sudden and unannounced drop. I then submitted a written request via their electronic messaging system and received ( electronically ) the following reasons in response to my inquiry : one or more Chase cards is delinquent, bankrupt, or in a payment program ; one or more Chase cards was recently delinquent ; payment amount above the required minimum on some Chase cards is low ; one or more Chase cards has a low payment compared to statement balance. EVERY SINGLE ONE OF THESE REASONS ARE COMPLETELY UNTRUE! For one, this is the only Chase card I have ever owned. Also, I have paid every single payment to this company on time and at or above the required minimum payment amount the entire time I have owned it! I also have an auto loan through Chase, which I have never missed a payment nor paid less than the required amount on. My credit report reflects this! Further, they claimed that I should have received a written notice of the reduction 10 to 14 days after the reduction. This is also untrue! I still have not received any such notice in the mail. I believe this reduction has been made either in error, or as a malicious and unfair practice which results in a financial gain to the bank as I, the consumer, will suffer from a higher APR due to such a severely impacted credit score when attempting to apply for future loans or to restore the original credit limit on the card. This is completely unfair and needs to be stopped. Please take note that their actions were taken during the onslaught of a PANDEMIC! I have been working very hard to faithfully support our local and national economy during this very difficult time. The poor and untimely decision of Chase bank has severely impacted my efforts and finances in doing so. Its not just about me either. This card is a Southwest Airlines rapid rewards card. Their airline company is struggling right now and I can not possibly support them by traveling with a family of four on a {$500.00} budget.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (NC)

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. 

Account XXXX : Money Lion has violated my rights. 
Account Number : XXXX 15 U.S.C 1681 section 602 A - The section that affirms my right to privacy and confidentiality. 

15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX 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 accurate.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with Experian and XXXX  XXXX Docket # XXXX ) however XXXX XXXX states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to XXXX  previous statement in response to my previous dispute, " it is XXXX policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
Thank You!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MI)

I reached out to Bridgecrest to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score.

Bridgecrest falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. 

I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.
Consumer complaint received 2020-08-05
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$81000.00}
Consumer complaint received 2020-08-05
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOEXXXX XXXX {$81000.00}
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

XXXX Wells Fargo XXXX XXXX Identity Theft XX/XX/2019 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NC)

My husband & I have a Trust and decided to re-finance for a lower rate. There was to be 2 closings ( one for Trustee to take property in and out of the trust, and the other on XX/XX/XXXX for my husband & I to close the refinance contract in the amount of {$230000.00}. ) With the closing, we requested {$29000.00} cash to close. The disbursement date was to be XX/XX/2020. On XX/XX/2020 I sent an email to the title company, providing the Trustee 's contact information. On XX/XX/XXXX I specifically requested 2 separate closings ( with us and the Trustee ). It took the Mortgage/Title company from XX/XX/XXXX to XX/XX/XXXX to determine that Trustee paperwork had not been completed. Finally Trust paperwork was signed and notarized XX/XX/XXXX, so again we expected our {$29000.00} to be disbursed. Today is XX/XX/XXXX and apparently more Trust paperwork was missed or has to be re-signed. On XXXX XXXX another confused notary called us to schedule yet another set of Trust closing documents. AS OF XX/XX/XXXX our OLD MORTGAGE HAS NOT BEEN PAID OFF ( making our mortgage payment {$190000.00} PLUS interest late. ) Expecting our $ XXXX to be wired to our bank, we scheduled payments to our credit card companies. SO we were not able to pay those bills - making them late/missed payments. It is WRONG that our new Mortgage has been set up in the system, and we now owe the 1st mortgage payment on XX/XX/XXXX. How could our Mortgage debt be set up, yet the Mortgage/Title Company still won't release our cash back funds?
Consumer complaint received 2020-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXX XXXX  account late, I have never paid the XXXX account late. TransUnion has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for XXXX  for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed.
Consumer complaint received 2023-03-16
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: AMERICAN EXPRESS COMPANY (FL)

After AMEX sent several offers, I decided to have their XXXX Credit Card ; it was approved with a credit limit of {$14000.00}. After a bit of time, it was reduced to {$700.00}, and I still haven't received any notice or explanation by MAIL, as requested several times. 

In the meantime, I received an electronic letter in a replay to the complaint I opened here saying : " The average of your payments in relation to the balance on your American Express ( s ) is too low. '' I do not understand this answer and need an extra explanation sent BY MAIL. I am unsure how to spend more, so pay more if Amex puts such a low limit for a client with several accounts, two businesses, high spending, a high credit score, and stellar history.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX