davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (CA)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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 2020-04-06
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. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-12-29
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. (CA)

The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-04-06
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. (NY)

After reviewing my credit, i noticed that my TransUnion report has an unauthorized inquiry which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX XXXX Address. : XXXX XX/XX/XXXX, NY,XXXX. ( Doesn't have full address ) Telephone : XXXX Inquiry date : XX/XX/2018
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I have been a Chase credit card holder for more than 5 years. 

On XXXX XXXX 2020 all my Chase Credit Cards were closed. I had amassed reward points worth around $ 10k in cash and much more in travel during this time. 

Due to a result of this closure, I need to reuse these points within 30 days. 

I asked Chase to reconsider the closure and I received a letter that my card is closed as Chase has closed another one of my account. This is what I dont get. Chase has not closed any other account of mine but insists on closing all of my credit cards. 

All my plans of using my points for travel are down the drain due to this being an extraordinary circumstance for travel. I can not believe that Chase would force this hardship on me with a flimsy excuse. 

I request Chase to reconsider the closure and also provide me which account has caused by Chase Credit Cards to close.
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX. XXXX XXXX - XXXX. XXXX XXXX - XXXX
Consumer complaint received 2022-12-29
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-04-06
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. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-04-06
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. (AR)

My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove it.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westview Financial Services VA, LLC (VA)

WESTVIEW FINANCIAL SERVICES reported an inquiry on my consumer report without fully disclosing to me upon my initial contact with the company. They also failed to provide me with the option to opt out of my information being shared.
Consumer complaint received 2021-06-18
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

I am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. 

There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. 

The price on each account is as follows .... 
{$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.
Consumer complaint received 2020-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

After Great Lakes was bought by Nelnet my law school loan was transferred. Nelnet offered a XXXX interest reduction for signing up with automatic debit. However, I have never received this benefit in the year that I have had automatic debit set up.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXXXXXX, account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX or any of the other addresses listed on my report.
Consumer complaint received 2024-02-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

My company purchased XXXX amex digital gift cards with a total value of {$6600.00} for employee recognition with the understanding that the cards could be used anywhere amex is accepted ( see attached order ). Once distributed to the employees, it was discovered that the cards have a very limited use. Local grocery stores, gas stations, shops, etc do not accept them. When I contacted amex to seek a refund for one unused card, I was told that digital cards can not be refunded. What was intended to be recognition of employee contribution turned out to be frustrating and disappointing to my best employees.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXXXXXX XXXX  but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have a contract with CONSUMER ADJUSTMENT CO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}
Consumer complaint received 2022-12-29
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. (FL)

I am intrested in disputing all incorrect information on my credit report with Experian. checking my file ive noticed alot of invalid information. It is hindering my report an causing alot of details. please update the information requested to correct my credit report.
Consumer complaint received 2024-02-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Madison Management Services, LLC (SC)

Madison Management Services is currently servicing for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXMy payment $ XXXX and in XX/XX/XXXX increased to {$730.00} ( escrow placed ) -XXXX XXXXXXXX ( escrow ended ) payment returned to normal remainder of year. XXXX payment increased again to {$480.00} through currant. However I have maintained my normal payment which according to their records has continually put me behind. Charged for a category of " other '' in XXXX = {$2600.00}, XXXX charged $ XXXX = {$4800.00} to-date. Forced placed insurance charged to escrow twice after sending proof of declaration and property taxes for one year. On several occasions made multiple payment that were applied as a lump sum instead as payments along with all moneys from escrow. To date charged {$1700.00} in late fees. On XX/XX/XXXX received notice of default and intent to accelerate demanding {$10000.00}. Stating that my payment is late beginning XX/XX/XXXX and all subsequent payments. Including late fees, unknow charges unpaid, and a total of 20 payments of {$450.00}. I have records of all payments made. I have tried to resolve this with them since they removed the escrow with no response. No none claims to know what to do.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I received a delinquency notice from my city 's department of tax collections and promptly called my lender on XX/XX/2020 to inquire as to why this might be, as my payments were current ( including escrow payments for taxes ). I spoke with someone who seemed to understand what the issue was and told me not to worry or follow up because they would promptly correct their mistake and make the tax payment. 

Several weeks later, I noticed that the taxes had not yet been paid on my city 's website and followed up with the lender. I spoke with someone who again, said he understood the issue and would resolve it - he promised to have a check send out immediately and call me to confirm progress. I never heard anything and I noted again today that no payment had been made to my city. 

Today, I called and waited on hold for an hour for a supervisor before being told I would need to hang up and wait for him or her to call me back within one hour - several hours have passed and I have not yet heard from anyone. 

I just tried to get in touch another way, by using the lender 's online help form - I submitted my issue and received an automated response. In the automated response, it read that if the information provided within the email didn't solve my problem I should respond to the email. I responded to the email and received an automated message that the mailbox I responded to was no longer being monitored. 

I have paid my lender real estate taxes on my property that were due in XXXX and my lender has not paid my city those real estate taxes. My escrow funds are for some reason being held captive by this unethical lender rather than being used as intended - to pay taxes!
Consumer complaint received 2024-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I fell behind with my mortgage company Amerisave due to long XXXX  I received a call from a company stating they were with Amerisave and would work with me through their hardship program .I paid XXXX dollars turn out this company was a fraud. Amerisave use XXXXXXXX XXXX XXXXXXXX XXXX XXXX  the have processed a foreclosures and auction off the house with out me being aware of it they also have issued a padlocking on the property for XX/XX/. This was the only notice I received they claimed they sent notices but no proof.I have a child with XXXX and a dog. I in the home 6 years prier to refinancing through amerisave I had the home build from the ground up.I contacted XXXXXXXX XXXX XXXXXXXX for and extention so I can find a place for my child and I .they also stated that they offered cash for keys never received anything of the sort.
Consumer complaint received 2021-06-18
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: National Credit Adjusters, LLC (OH)

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -NCA # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-12-21
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (WA)

XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (MD)

I called last week on XX/XX/26 to let them know that we are not working due to the Corona virus and need some sort of relief for the month of XXXX and XXXX. They said that we have to wait till XX/XX/XXXX and they can send us an email for some sort of deferment and fill out some paperwork. They said XXXX needs to be due for them to send the email. I NEVER RECEIVED THE EMAIL. 
I specifically asked them if we were going to be reported late and they assured me we were not. They reported us late for XXXX. According to the Government they are not allowed to do that because of the CARES act. 

THEY NEED TO REMOVE THE DELINQUENCY ASAP, I WAS NEVER LATE WITH THIS COMPANY AND BECAUSE OF THIS MY SCORE DROPPED 14 POINTS!!!
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Credit Reporting Agency ; Transunion refuses to remove a fraudulent Mortgage from my credit report. All other Credit Reporting Agencies has removed this fraudulent Mortgage from my credit report. I have submitted Police Reports, Affidavits, Identity Theft Affidavits and other information regarding my identity theft claim. But, Transunion refuses to remove the account. This issue has been going on since 2019.