davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with EXPERIAN XXXX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (MA)

Hi CRA Mgr ; Listen, i was going through my credit again this morning and noticed that this XXXX  Account # XXXX is still showing on my credit report as a charge-off status with multiple inaccuracies, and incomplete and misleading information. There is no way that this account was truthfully investigated because it continues to report 3 different high balance, different actual balance, different dates of last active, different dates of last payments, and a closed chargeoff account, shouldn't reprot any late payment and c/o on payment history. This is incorrect reporting and it's in violation of fcra and its illegally causing this account to re-aged.
Consumer complaint received 2020-03-30
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. (VA)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-04-10
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I have no acknowledgments of this account I never owned an account with Huntington bank my information was stolen and I had gotten a block I eve there was a XXXX XXXX  account was open I dont have knowledge of this account
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

In XX/XX/2020. My payment arrived 5 days late. Due on XXXX arrived on XXXX. Never been late before. A late charge was assessed. I was not notified. I sent in XXXX payment, on time. They deducted the late fee and did not tell me. Then charged me another late fee for being late again. And did not tell me again. Racking up late charges. I would never have known this but checking my credit score saw that they reported me 30 days late. For a late fee that I was unaware off. Could not contact customer service Due to Covid-19 diminished staffing of customer service.
Consumer complaint received 2021-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX XXXX AND TRANSUNION with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least 70 points on each report.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DC)

On XX/XX/2021, Southwest Credit System Inc., placed a collection under my name and social security # in all 3 Credit Bureaus in the amount of {$610.00}. The information that was submitted by this company reduce my Credit Score in all 3 Bureaus by nearly 100pts. As a result, this matter has caused me a great deal of XXXX XXXX to the point that I am finding it hard to concentrate, i am having on & off XXXX XXXX, XXXX and XXXX XXXX. Please note that I have received an official letter of notice of my right to dispute this amount prior to this company placing this information in my Credit Report. 


Thank you. 

XXXX XXXX
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I have been trying to work with the Mortgage Bank Chase JP Morgan in XXXX ohio. completing the loan modification over every 30 days as Chase stated that this would prolong my foreclosure. Each time the denied my request. So I filed for Bankruptcy chapter XXXX and bankruptcy court new I asked to keep my home. This was XX/XX/2020. My attorney XXXX XXXX XXXX XXXX XXXX Ohio said that he would help me with completing these steps to keep my home with Chase. Chase never called my attorney XXXX XXXX back, or called my back. I have continued to try to contact to Chase to prevent any and all foreclosure or sale of my home. I have been given information on hope now, contacted them and said there is nothing they can do for me since Chase has bought the home out from underneath me XXXX XX/XX/2020 This year. This prevented me from any type of mortgage assistance or any type of prevention to keep me in my home. This I feel that being a older woman I have discriminated against, since I am a widow. This has been going on for two years., I do have a plan b to live at my brothers place, but this needs to be investigated due to if this continued to happen to me how many other people will this happen too!!!
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (GA)

Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a 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 conviction of crimes which ante date 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 2020-04-10
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: Experian Information Solutions Inc. (CO)

XXXX  has failed to correct an egregious error on my credit report for over one year. I have filed FIVE total requests to dispute and re-investigate and have submitted evidence that both my hard copy credit report they've recently sent as of XX/XX/XXXX, is also incorrect. 

There is a " new late payment '' now showing up on my credit report for a debt settled with XXXX XXXX one year ago. 

Experian has violated my rights under the Fair Credit Reporting Act. 

The Debt was with XXXX XXXX for the amount of {$2900.00}, paid in settlement and has a zero balance as of XX/XX/XXXX.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (GA)

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Consumer complaint received 2021-10-17
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. (VA)

As stated in 15 usc 1681 ( a ) ( 1 ) " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. I have numerous inaccurate information on my credit file, resulting in me not being able to exercise my consumer rights. which is a direct violation of the FCRA.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. Called back at XXXX and was met with an automated service. Hung up and wrote letter to Optimum Outcomes requesting written verification of the supposed debt. 

XX/XX/XXXX - Mailed letter to Optimum Outcomes. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

I have never received anything in writing from Optimum Outcomes, including any itemized bills. I also asked for written verification almost three weeks ago and have not received a response from them.
Consumer complaint received 2020-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Wells fargo home mortgage has XXXX dollars in a escrow account for insurance claim fund from Hurricane Florence. I  have asked for a XXXX check payable to me and XXXX XXXX XXXX so I can get the house painted. The insurance company has authorized this repair .Mortgage # XXXX for XXXX XXXX house at XXXX XXXX XXXX XXXX XXXX Nc XXXX phone XXXX The painting company wants to start and I do not have half down so i can give them a wells fargo check and let them hold the check and I will sign it when the job is done. After 4 phone calls to wells fargo in XXXX Mn they have assigned XXXX XXXX to give me an answer by XX/XX/XXXX. I need the check this week! XXXX can be reached at XXXX ext XXXX. This is my money and I have faithfully spent all previous escrow releases..
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (LA)

On XX/XX/XXXX, I received a notification that my credit score has changed due to a collection. I logged into my XXXX XXXX account and saw a collection from Spring Oaks Captial LLC for {$570.00} dollars. I contacted the company and informed them that I have no knowledge of this account. The representative claims that she will not only mail me a letter explaining the charge but also email it to me. As of today, XX/XX/XXXX, I haven't received anything from this agency explaining this debt on my account. I want this removed immediately.
Consumer complaint received 2023-02-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I was browsing the XXXX  online site and was invited to apply for a XXXX Credit Card. The site assured me that there would be no hard inquiry on my credit report and that I should apply for the pre-approval and if approved then for the credit card. Upon application that I only submitted because I was assured there would be no hard inquiry, I was pre-approved for the card and then clicked the final link for the card and was then denied. My XXXX credit report now shows a hard inquiry on XX/XX/2020 by XXXX Comenity Bank. I have filed a dispute with XXXX. XXXX Comenity  Bank was deceptive in awarding the pre-approval which should have been assurance of approval for the card. I am not in need of the card per se and can shop elsewhere, but the deceptive invite to apply for the card after being pre-approved and then submitting the hard inquiry is problematic. I did not agree for a credit check or was deceptively enticed into the application with assurances of no hard inquiry.
Consumer complaint received 2021-10-17
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. (TX)

Hello, I am a victim of identity theft and attached below is my FTC Identity Theft Report. I have also mailed all respective CRAs with my notarized identity theft affidavit. 

I have never authorized or entered a consumer credit transaction with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX