davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-03-13
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. (UT)

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 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (AL)

I disputed this on XXXX in XXXX of XXXX asking for a debt valadation letter to prove I owe this debt with the orginal signed copy! Because I do not and is a hipaa violation my medical information was sold. The medicad number was not on file but it was corrected and paid after the fact! 

The dispute for the account with ACCELERATED RECIEVABLES that starts with XXXX has been removed from your credit report. 

Source : XXXX  Date Collections ACCELERATED RECIEVABLE has flagged your account as Collections. 

XXXX XXXX XXXX  ACCELERATED RECIEVABLE has flagged your account as Collections on XXXX XXXX XXXX 

Source : XXXX Company : ACCELERATED RECIEVABLE Address : XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00}
Consumer complaint received 2023-11-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

On XX/XX/2022 I purchased a property that will under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage as well as my escrow are serviced by XXXXLakeview Mortgage Servicing . I have provided XXXXLakeview Mortgage Servicing with Tax Bills, a letter from the Deputy Tax Collector explaining the PILOT program and an additional letter from the Deputy Tax Collector forecasting my future tax bills. 

Unfortunately XXXXLakeview Mortgage Servicing does not acknowledge these communications and continues to bill my escrow at 100 % of the ordinary applicable taxes assessed without considering the abatement. This is increasing my monthly escrow bill significantly for no reason. 

In addition, XXXXLakeview Mortgage Servicing missed paying the property taxes for Q4 2022 incurring a late fee of {$100.00}. This fee has been charged to my escrow account even though I am not the one that missed the payment. 

Thank you, XXXX
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I am unable to get my credit report from XXXX, XXXX  or Experian, due to inaccurate information in my reports. They also require documentation that I do not have. It is impossible to contact a live person at these agencies and I am very exasperated!
Consumer complaint received 2022-09-05
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by DISCOVER BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted DISCOVER BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : DISCOVER BANK XXXX
Consumer complaint received 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2022-09-30
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. (PA)

I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " Pennsylvania Bankruptcy XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the PA Bankruptcy " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX # XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inaccurate Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Phone Numbers : XXXX XXXX
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, XXXX  is reporting another dept illegally. they did not showed me the original instrument of indeptedness in its original form. i have asked them more than 3 times and they kept sending me the same generic answer.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have a checking account with JP Morgan Bank and made a mobile deposit on XX/XX/2023 of a check drawn from my XXXX employee XXXX account. This check is a U.S. Treasury Check in the amount of {$1600.00}. 
My account was and is not in the negative and is well over 30 days old. In fact, I have been a Chase bank customer for years.. However, not only was there any amount made available to me within 24 hours but there was a hold placed on this check until XX/XX/2023. According to Chase 's own policies as well as General Rules ( 229.10 ( a ) 229.10 ( c ) ) of the Federal Reserve Bank Consumer Compliance handbook and U.S. Treasury bank check can not be held. 
I spoke with customer service twice on XX/XX/XXXX and was referred to the fraud line and was told that the check was valid and should not be held... However, the representative stated that the hold would still be in place and funds would not be available until XX/XX/XXXX no matter what.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX 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 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My aunt, XXXX XXXX XXXX invested in an Investment Certificate ( see attachments ) at Nations XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The investment amount was {$15000.00} earning 3.9900 % interest. The certificate had an automatic renewal quarterly. POD designation on the certificate is me, XXXX XXXX. My aunt passed away on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the Bank of America Estate Services and spoke with XXXX regarding the Investment Certificate since Nations Bank combined with Bank of America in XXXX. XXXX reached out to the XXXX XXXX for assistance. He was informed that no recorded of the certificate existed and recommended that I contact the XXXX XXXX XXXX XXXX for Nations Bank as everything that existed prior to XXXX was either closed or dormant. 

I contacted the XXXX XXXX XXXX XXXX at XXXX for Nations BankXXXXBank of America on XX/XX/XXXX. At which time, I was informed that the historical group only deals in computer shares, not investments. The person I spoke with recommended that I contact the Virginia Department of Treasury. 

The Viriginia Department of Treasury informed me on XX/XX/XXXX, that no unclaimed property records existed for my aunt. Also, that financial institutes are obligated to send funds to the treasury department when mergers/buy outs occur and recommended that I contact the State Corporation Commission .

I contacted the State Corporation Commission on XX/XX/XXXX, and referred to the Financial Regulation/Banking Section XXXX XXXX is the gentleman that I spoke with informed me that the State Corporation Commission does not assist with this type of matter. He recommended that I file an online complaint with the Securities and Exchange Commission. On XXXX XXXX, I filed an online complaint with the Securities and Exchange Commission. As of this writing, I have yet to receive a response to my complaint. 

On XX/XX/XXXX, the FDIC informed me that they were unable to assist since Nations Bank had merged with another financial institution. FDIC recommended that I contact the Consumer Financial Protection Bureau. The person I spoke with XX/XX/XXXX, at CFPB explained the process to file an online complaint. 

At this point, I do not know of any other avenues to pursue in an effort to resolve this matter. Should you have questions or need additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you in advance for any assistance you can provide. 

A scanned version of the front and back of the Investment Certificate is attached.
Consumer complaint received 2022-09-05
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. (FL)

I have constantly been mailing disputes to Transunion regarding negative reporting accounts. I have yet to see any changes and feel discouraged. I am not getting any results with handling the issues at hand. I am simply seeking for the buera to provide 100 % proof that the negative accounts belong to me. I have no knowledge of the accounts being reported. The buera is not completing a Thoreau investigation they are simply marking the accounts as verified to just move on. This is not right for the information to be held on my report without any written proof of any claims or some type of supporting documents. Accounts that are not being accurately reported is defamation to my character.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OH)

I made a purchase at Lowes at XXXX XXXX XXXX XXXX on or around XX/XX/XXXX of XXXX for a new washer and dryer plus hook ups and Insurance. on delivery day it was not delivered. sometime after I was being told that there was a double order so the lady I spoke to at the warehouse made the decision to cancel the entire order and do another one.but this double would go away. I contacted the store several time as well as Lowes and the warehouse.i cancel the order but it never went through. the issue wasn't being handled just like it hasn't til this day.they continue to charge me. they have unfairly closed my card with no fault of my own. because of what they say is non payment for something that was canceled several XXXX. they claim they return the money to the store and all types of weird things and they wanted me to pick this money up that didn't belong to me.i went to Lowes to see what was going on after a guy with a possible fictitious name ( XXXX XXXX XXXX never did his job and this has cost me my card.that money is still sitting in a store at a different location and they think they are gon na run me around on wild goose chases and im not comfortable with how they made me feel at my Lowes near my home. I must add that this particular store has target me since XXXX canceling orders and doing plenty of weird things all the way back to an HR worker coming into my home to show me how to use my appliances, that was very weird because afterward this woman stalked and harassed me and nothing was ever done about her but she was defiantly the one behind canceled orders of mine. and a lot of other things happening to me. XXXX a manager at the store has also been an issue. I would like to know if you could look into this. please and thank you
Consumer complaint received 2024-04-11
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I have the Lowes credit card and made purchases which I have been paying every month for the past year or so, Today I received an email from Synchrony Bank Lowes Store Card- Upon checking my balance as I normally would I noticed that there is a balance of {$15000.00} added to my account, I have not made any purchases on my account because I want to pay this card off, I Immediately went and call Lowes at XXXX, Upon getting connected to a live agent I'm asking her as to why I see that the card balance went from {$9900.00} up tp {$15000.00} if the last payment that was made on XXXX XXXX in the amount of {$240.00}. The representative stated that there were an interest added to my account in the amount of {$5200.00} I asked why this amount that is not correct because I have not made no recent purchases in the past year o so, she " stated " Well you recently purchase Wood Fence '' I said to her I have not purchase wood fence and that I had paid Interest in the items that I purchased. She stated she will transferred me to an account manager : A lady by the name of XXXX stated that she apologized if the sales rep did not advise me of a {$5200.00} Interest & said to her that the rep did not advised me of this added on amount. This situation is taking a toll on my and has me very XXXX  and sad, There is no way I'll be able to pay this- I have XXXX children with an XXXX  son that need to provide and tent to his needs. I need help.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (PA)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2023-11-27
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. (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 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (CA)

Back in late XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not resolved my issues on my report. I explained to Experian that I had never done business with that specific creditor, yet they stated that they verified the account, but did not supply ME with any evidence. As an XXXX American women and XXXX XXXX XXXX XXXX it is specially difficult to obtain a home due to XXXX bias, and with erroneous information on my credit report, it does not make it any easier. My family and I are truly distraught because I really need to obtain a home for the well being of all of us.