davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX and I am writing this statement on my own behalf. In accordance with the FCRA I dispute the validity of the collections and charge off entries on my credit report. These entries are FALSE and I demand a thorough investigation and verification of these accounts. The FCRA mandates accurate reporting, and I expect compliance with its provisions. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be from the original creditor and signed by all parties involved. These are the accounts reflecting inaccurately on my account : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-31
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. (IN)

XX/XX/31 : contacted equifax about a hard inquiry that I didnt authorize from XXXX XXXXXXXX XXXX XXXX They told me to contact XXXX XXXX XXXXXXXX at the number on the credit report and when I did it constantly rang and was never answered.
Consumer complaint received 2022-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My loan closed ( refinance in XX/XX/XXXX ) with all proper documentation and required insurances. 

Approx 2 years later it has been determined the lender did not accurately handle my escrow account. 

The amount I was required to pay each month for my mortgage did not take into account the wind insurance they required me to pay. This insurance, like the other insurances ( Home & flood ) was being paid by my escrow but the mortgage amount did not include the necessary funds to actually pay for this insurance as well. 

Due to their negligence, and dishonesty ( I believe they did this to convince me to refinance with them because they falsely portrayed a lower payment than my original loan, because it didnt have the wind insurance ) I am now required to pay $ XXXX more a month to cover the escrow shortage.
Consumer complaint received 2024-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding unauthorized hard pull inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically outlined in section 1681b ( f ), consumers are entitled to the protection of their credit information from unauthorized access and inquiries.

Upon reviewing my credit report, I discovered [ number of unauthorized hard pull inquiries ] unauthorized hard pull inquiries listed on my report. These inquiries were made without my consent or authorization, which is a direct violation of the FCRA.

As per the FCRA, section 1681b ( f ), it is unlawful for any entity to access a consumer 's credit report without a valid permissible purpose, or without the consumer 's express consent. The unauthorized inquiries listed on my credit report not only compromise my privacy but also have the potential to negatively impact my credit score and financial standing.

I hereby request the immediate removal of all unauthorized hard pull inquiries from my credit report, as mandated by the FCRA. Additionally, I request an investigation into the circumstances surrounding these unauthorized inquiries and measures to prevent such occurrences in the future. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation deemed necessary to assist in the resolution of this matter. 

I expect a prompt response to this complaint and the resolution of the unauthorized inquiries in accordance with the FCRA guidelines.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company calls with my full ss # and DOB and says I owe money and need to pay it or they will have me served. I call the creditor that they claim to represent and creditor said account was in good standing and previously paid off and closed ( as reflected on my credit report as well ). The " XXXX XXXX '' calls me every three days and leaves a message. I blocked my number and called them back and it said call could not be completed. I unblock my number and they answer on the first ring. They said that I haven't paid since X date. That is the date that the card was paid in full. I do not know how they have my full SS # either. I have 7 voicemails since XX/XX/XXXX.
Consumer complaint received 2020-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 150 XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have been filing fraud disputes that are not being processed and the FTC paperwork I send in is not being attached correctly to the disputes. I am not getting copies of the verification process. This is in violation of the FCRA regarding fraud/identity theft
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have been disputing this account XXXX/web bank several times only to recieve a letter that there information on my credit report is accurate. I have sent proof over and over where it shows inaccuracy with address. I have no knowledge of this account and this account is hurting my credit scores.I have been trying to build my credit in hopes to purchase or even rent a bigger home for my kids and I. This account keeps my score down. I have the papers that was sent to me by the creditor them selfs and it shows inaccuracy. I just want this off my credit report please
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my Equifax and XXXX  credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NY)

To Whom it May Concern : I wrote to the company asking for information about this debt. I listed my name address and in response to this request. I didn't receive any letter pertaining to this matter. 

Companies : Radios Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Re : Acct # ****XXXX XXXX I am very much interested in knowing the actions of this debt collection Please advise Sincerely
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and I have been filing disputes to remove the fraudulent accounts. The disputes are not being filed correctly and the FTC paperwork I am submitting according to the FCRA is not being submitted with the disputes. The people I talk to don't understand XXXX and are not helping. I am not getting copies of the verification process per the FCRA.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I submitted a dispute with XXXX over two medical debts listed by XXXX XXXX. One, in the amount of XXXX has been removed from my credit report on XX/XX/XXXX, the other for XXXX hasn't yet been removed. The dispute says it's still being investigated but they are debts to the same medical practice, so both should have been removed, the dates of service are one month apart. The practice that reported the debts is located in New Jersey and medical debts are removed after five years. 

Also, my credit score should have gone up by XXXX points due to the removal of one collection debt but it has actually been lowered by XXXX points. No other issues can be attributed to the lower score. In XXXX of XXXX, my XXXX score was approximately XXXX, when I paid off and paid down credit card debt my score dropped to approximately XXXX. It seems that no matter how I try, XXXX is not using an equal reporting scale as XXXX XXXX or XXXX. My score for those two agencies are in the XXXX. I have tried several times to find out how to get a fair score from XXXX, but not one customer service representative can help and will not connect me with someone who could.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The bureaus are reporting a current balance of either {$72000.00} or {$82000.00} as of XXXX. Both of the balances being reported is wrong. I have attached copies of my bank statements from XXXX, XXXX to XXXX, XXXX. These statements clearly show every on-time payment that has been made on this account along with the correct current balance. The lates being reported on my credit report are absolutely false and need to be removed IMMEDIATELY. This false reporting of lates is seriously harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-12
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : 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 2020-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (DC)

I was a victim of predatory lending from J.P. Morgan Chase in XX/XX/2010. At that time, I was owner of the property located at XXXX XXXX, XXXX XXXX XXXX XXXX. The property value was {$640000.00}. However J.P. Morgan Chase foreclosed my property in XX/XX/2010. They never pay me the line of credit {$150000.00} which attached on the property as equity. In the past, I already brought my compliant to CFPB regarding J.P. Morgan Chase predatory activities by asking them the rest equity on this subject property ( see attached estimated value ). However J.P. Morgan Chase never contacted me after I contacted their specialist. The difference between the selling price {$390000.00} ( in XX/XX/2010) and market value {$640000.00} is {$250000.00}. Therefore I am asking J.P. Morgan Chase to pay me {$250000.00} difference when they foreclosed my property as {$390000.00} in XX/XX/2010. Predatory lending means the lender constantly ask unemployed, elder home owner to refinance to finally take their property away. As U.S. government know, I was fully qualify XXXX  job and was seeking job all the time. However due to employment discrimination and unfair hiring practice caused predatory lending, my property in XXXX XXXX XXXX  was take away by J.P. Morgan Chase in XX/XX/2010 at the price of {$390000.00}. I was fighting with Chase to the court, however XXXX XXXX court choose to give the property to J.P. Morgan Chase. During my employment matter with XXXX in the past 10 years after I move out of XXXX XXXX, I was harassed and threatened on the daily basis not to pay the debt by State of XXXX. Accordingly I am asking the rest of equity of {$250000.00} of this subject property since J.P. Morgan Chase took it away. Please do NOT owe me a penny. You took my property away, you should pay fair market value {$640000.00} not {$390000.00}. The difference is {$250000.00}.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IN)

I signed up for an offer from BMO Bank to earn a {$400.00} Checking account bonus + a {$200.00} Money Market bonus + and a {$100.00} bonus for doing both. That checking account bonus was paid XX/XX/XXXX. The Money Market and combined bonus has not been paid and it has been 177 days, well past the required time. 

I opened a Platinum Money Market account and deposited {$10000.00} within 30 days of opening. 
I transferred the money temporarily to my checking account to be able to move it into the money market account. I could not transfer it directly into the account because my other bank requires micro deposits to verify the account. So I had to put it in the checking account for a few days and then I could open the Money market account. It was in there a short time and it seems clear to me what my intent was. 
My checking account shows I transferred {$8000.00} on XX/XX/XXXX to the money market, and the remaining {$2000.00} on XX/XX/XXXX. 
The {$10000.00} balance has been in the account 177 days as of XX/XX/XXXX. 

I have sent them a message through their website on XX/XX/XXXX and again on XX/XX/XXXX. They have not replied to either message. They did reply to earlier messages so I do not know why they are ignoring this. 

Below copied from their website ; Offer 1 was paid. Offers 2 and 3 were not paid.

3 offers to get up to a {$700.00} bonus!

Offer 1 - Get a {$400.00} bonus for completing the following activities with a new checking account in the first 120 days : BMO Harris Smart Advantage Checking Account {$25.00} min deposit Have a total of at least {$6000.00} in qualifying direct deposits. ( {$1500.00} a month ) 2 x $ 800 month XXXX XXXX in BMO Digital Banking and set up paperless statements. 
Make at least 10 qualifying electronic transactions. ( debits ) BMO Harris Smart Advantage Checking Account no monthly fee with paperless ( estatements ). pay bills, transfer money, view statements, and more with free BMO Digital Banking6 {$5.00} for each Money Order, {$10.00} for each Cashiers check, {$30.00} outgoing domestic wire transfer Offer 2 - Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days.

Platinum Money Market account Offer 3 - Get a {$100.00} bonus just for opening a checking account and a Platinum Money Market account! ( this gets deposited into your checking account )
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OK)

I have had several accounts with VENMO and the last one I had was under the name : XXXX XXXX ( XXXX ) Little-Theo-Brother ... 

I have been getting my XXXX XXXX sent there on and off for months. There has been entirely too much hassle updating my profile and getting access to my funds. The representatives have been difficult and rude to me and constantly denied access to my funds I have about 2000 funds in my personal and business accounts, XXXX XXXX XXXX. 

Almost every day of the past three weeks I have dealt with the staff unsuccessfully. These are a few of the references numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have resulted in my funds being frozen and denied a refund check or direct deposit for 180 days without interest which is in acceptable. 

I am a top member of the US intelligence community and they have even insinuated that I am a drug dealer using this account to launder funds. 

The only monies coming to this or any accounts in the past have been from the US TREASURY.

I DO NOT RECOMMEND THIS ORGANIZATION TO KEEP ITS LICENSE TO OPERATE IN THE US.