davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, XXXX and Experian. The accounts that I submitted a written request for complete verification are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

American Express continues breaking the FDCPA laws established for debt collection. With a balance around {$800.00} and a past due amount of {$38.00}, American Express called both my cell phone and home phone On a SUNDAY after the legal time frame of XXXX per FDCPA. This is the second week in a row that American Express has called past XXXX.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (FL)

the account is past due, cause of covid-19, the reemployment assistance is still pending, i check and call them but there isnt a way to leave a message and sent a email on there site still to this day, ive heard nothing they are calling use the number i give and a XXXX number as well, when i call american express they had me on a recorded line with out my permission and wanted me to agree for auto payments in out to get any assistance. i file a dispute all credit bureaus all sent it back as frivolous.at this time it is hard for me to maintain .they add late fees and high interest and sent a email stating if i miss two more payments they will be reported
Consumer complaint received 2020-08-16
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: SYNCHRONY FINANCIAL (NY)

The following shows up on my report, XXXX, when I click on it on the side it shows as misc. I have no idea of what this is or why is it even showing up on my report. It says it was done on XX/XX/2020  but I have not ran or tried to use my credit as of yet. 
Not only that but the following also shows Institution Information Syncb/tjx XXXX  XXXX, FL XXXX ( XXXX ) XXXX I have not applied for this as well. Please help me on how to dispute these issues.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

debt as a result of unlawful retalitory eviction for reporting failure to maintain premesis in XXXX at XXXX XXXX XXXX years ago. Caused account to go sour. Lawyer will not take responsibility ( XXXX XXXX ) in correcting the matter. Complex has only just recently fixed thier broken premesis- leaving thousands ( forced thru robo eviction processes ) to be ruined financially and credit wise. Our " good renting names '' are ruined by unlawful data resale and we - even if debts were paid years ago- are still ruined. This is happening by the thousandfold right now due to corona. Landlords only care about profits and investors. Therefore debt in legal counterclaim belongs to XXXX XXXX c/o XXXX XXXX XXXX. Debt can be automatically default reverse judmented according to law. The courts refuse to prosecute and counterclaim without over XXXX bond- due at time of eviction, wether legal or not. Court would not hear evidence because city was in communication at the time- communications were by email. Mayor knows about the situation. " XXXX XXXX ''
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Following is a letter to the Mortgage Servicer, I ; m request to forward, with a brief explanation of the problem : XX/XX/XXXX To : Shellpoint XXXX. XXXX XXXX XXXX, SC XXXX Ref : Account No. XXXX. 
Dear Sir/Madam : On XX/XX/XXXX I received a communication informing that my monthly payment was increased. Through my lawyer, I rejected this increase, since it not came from a correct escrow analysis. I have continuing receiving statements with the same wrong figures, three months after that, and there has not been any action by Shellpoint to  correct it. But the issue has a long history, see the following : On XX/XX/XXXX I filed a complaint with CFPB number XXXX, regarding serious errors on the Escrow Analysis for XXXX. 
The response dated XXXX XXXX recognizes the error and, due the Mortgage servicing was transferred to Shellpoint on XX/XX/XXXX, the error was never been corrected. 
Note, that I received a letter informing the change, dated XX/XX/XXXX, almost 6 months after the change took effect. I expect the previous Mortgage Servicer had transfer the complete account, with all the archives and pending items. 
As a result, since then I have received monthly statements with the incorrect figures. 
Fortunately, The Taxes and Interest Report for XXXX had the correct numbers. 
On the Escrow Account there were enough funds to pay for Property Taxes and Homeowners Insurance by the end of XXXX, and after that the remaining balance was enough to keep the same monthly payments on XXXX. In addition, I requested to transfer the Unapplied Funds, that were at {$1200.00} by the end of XX/XX/XXXX, to the Escrow Account, to avoid any other increase on the monthly payments, since the reduction of the monthly payments for XXXX was due to the existing escrow funds from XXXX. 
Consequently, Im requesting the following : -Escrow analysis for XXXX and XXXX, with the correct figures. 
-Monthly Statements from XX/XX/XXXX through XX/XX/XXXX, with the correct figures. 
These must be done, as soon as possible, since the actual Mortgage Servicer, doesnt have the complete correct numbers, As I can see on the Monthly Statements, and in addition, the Interest Report I have received for XXXX doesnt indicate the correct amount. 
Last, but not least, I declared Bankruptcy Chapter XXXX, on XX/XX/XXXX. On XX/XX/XXXX, we signed off the Loan Modification, then after that I continued doing the monthly payments, on the amount as indicated. The amount paid on the statement is incorrect, since I have paid the Monthly payments, since XXXX, XXXX. 
Have a great day, thank you, XXXX XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602. He states I have the right to privacy 15 USC 1681, section 604 a, Section 2. It also states a consumer reporting agency can only furnish an account with my written instructions. Under 15 USC 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I was recently notified by a financial institution that Id applied to for credit that an fraud alert was placed on my Experian credit report which prevented them from accessing my credit report to approve me for credit. I did not authorize Experian to place any security freezes or fraud alerts on my credit report. This has happened with this agency in the past on several occasions. Ive never had this issue with XXXX or XXXX.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/XXXX, I booked a prepaid hotel reservation through Chase XXXX for the XXXX XXXX XXXX, NC. The stay was prepaid and charged to my card ending in XXXX by Chase XXXX on XX/XX/XXXX for {$310.00}. The booking confirmation shows total cost of stay was charged at time of booking. 

On XX/XX/XXXX, the hotel mistakenly charged my card for the full cost of the stay. On XX/XX/XXXX, I contacted the hotel and was told that they made a mistake and should not have charged my card. The XXXX said that the charge would be corrected. I also spoke with Chase XXXX on XX/XX/XXXX and XXXX, who reaffirmed the same facts. 

On XX/XX/XXXX, I received a second call from the hotel saying that they were still working on it, and I should expect to hear from the XXXX with a resolution on XX/XX/XXXX. I received no further contact from the hotel. 

I called Chase on XX/XX/XXXX and indicated that I would like to dispute the charge from XX/XX/XXXX from XXXX Hotels for XXXX. I was transferred repeatedly after lengthy holds. The first representative from the disputes department refused to open the dispute because " you have to wait 15 days. '' A supervisor then agreed that I should be allowed to dispute the charge but could not do so herself. She transferred me back to the disputes department for a second time. The next representative told me that " because the charge was made with the card present, it can not be disputed. '' I explained that they had my card on file for any incidentals, and I did not authorize an additional room charge. She also refused to connect me with a supervisor. 

I would like Chase to open this dispute on my behalf. I would also like Chase to investigate why multiple representatives from its disputes department provided false information and refused to open a dispute.
Consumer complaint received 2020-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I've been making loan payments until the National Emergency Forbearance ( per Navient website ) due to Covid-19. I was advised the deferment of interest and payment ( Student Loan Payment Relief ) was from the effective date of XX/XX/2020, During the period of 0 % interest ( XX/XX/2020 through XX/XX/2020 XXXX, the full amount of your payments will be applied to principal once all the interest that accrued prior to XX/XX/XXXX is paid. 
I noticed that payments on some accounts were applied to Interest even after the Cares Act enacted. I've contacted them via email and with documentation on XX/XX/2020 and have not received a status or update to my account ( s ) affected.
Consumer complaint received 2020-08-17
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)

I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or XXXX through Bankruptcy, which is incorrect. XXXX  XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I have been trying for over a month to apply for a 6-month mortgage forbearance plan ( as allowed under the Federal Cares Act ) with Lakeview Loan Servicing c/o XXXX. If you go to their website to apply, it doesn't matter if you are on a mobile device OR hard wired laptop OR desktop computer, it will not actually let you apply for a forbearance. When you submit, it says " CRITICAL ERROR ''. Clearly, with just a handful of items they ask you to fill out, there is no critical error and no reason that this would be happening. It is impossible to actually apply for a forbearance online with them. 

My wife has not been working for almost an entire year. She was recently on Washington State Paid family leave due to the birth of our daughter, and she was slated to go back to work about the exact time that the COVID mess started. She has now been out of work since XXXX and is obtaining minimal unemployment at this point. I truly do have a hardship related to the COVID pandemic and Lakeview Loan Servicing is not allowing me to apply for a forbearance as allowed  with XXXX XXXX loans via the federal CARES act.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

Last week my husband was booking a beach vacation for 3 days for our family. The person scammed us by asking for payment via XXXX and then disappeared. The amount was {$860.00} and we contacted the bank and they said we authorized the transaction and are unable to do anything for us. This is considered fraud and TD bank should refund the money. Please help us. 

Thank you, XXXX XXXX
Consumer complaint received 2020-08-17
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: William D. Meeker Enterprises, Inc. (NJ)

On XX/XX/2020 i got a notification from XXXX XXXX saying some mortgage lender has performed a credit check on my account. when i logged in XXXX XXXX i see the agency name as CIC Credit. 

i started inquiring recently about rates in XXXX XXXX, XXXX XXXX   but i never game my son or date of birth or provide authorization to run my credit. now XXXX XXXX says i have 12 days to find a mortgage lender to avoid degradation in my score. 

can you please look into the inquiry asap since i didn't not provide consent for sure. if you have any questions i can be reachable. 

Thanks, XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

I called Proficio financial service to provide me with contract or contractual agreement between me and all XXXX XXXX XXXX  They didnt because I dont have an agreement with them. They were supposed to get an approval from the insurance company before start doing any work. The insurance company approved {$3800.00}. And the business sent them a check in that amount. 

I asked Proficio financial services to provide me the agreement or Estimate or signed contract binding me to the claimed debt that I dont owe. They didnt. It is a scam. 

This the fourth complaint against Proficio financial services and all XXXX XXXX XXXX asking them to provide the contract for this false debt. 
They were sending me invoices that I never approved or authorized. 
My signature is not on them to bind me to this debt because I never approved it.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Bread Financial Holdings, Inc. (GA)

Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them.

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-08-16
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. (NJ)

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

Experian  has not even replied.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX  and Transunion continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report lists a vehicle ownership from a loan extended by XXXX XXXX XXXX  - opened on XX/XX/XXXX and closed on XX/XX/XXXX. This account is not mine and never was mine. Never did I apply for a vehicle- nor have any ties with XXXXXXXX XXXX XXXX