davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX  from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I applied for Travel Health Certificate on XX/XX/XXXX My trip cancelled so I do not need this certificate It is not issued yet for my XX/XX/XXXX travel Please refund {$65.00} and cancel certificate
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (OH)

I recently changed my phone number, even though I knew my password. However, I was unable to login because I couldn't verify it on my phone. I called TD Bank multiple times to change my phone number, but they were unhelpful each time and unable to do so without sending a message to my phone number, which I didn't have access to anymore. Therefore, I was locked out of my account and unable to check my balance/pay my bill. 

Furthermore, TD bank has not been communicative with me about my bills. Not only after I checked my credit report did I notice I have an overdue balance. I intend to pay my bill each time, but TD BankXXXX verification system inherently makes it difficult/impossible for me to do so. In addition, when calling, I was unable to pay my bill via the phone either because they can not verify my account with my phone number.
Consumer complaint received 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (PA)

Got a car from XXXX and bridgecrest. I was never able to register the car because of them. It became illegal to drive as they wouldn't send out new temp plates. I'm not risking or paying for an undrivable car. They repossessed and sold at auction. I wanted the car and their processes didn't allow for me to register it. Now they say I owe money
Consumer complaint received 2022-02-20
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. (TN)

XXXX continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from XXXX, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file Experian 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-20
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. (MI)

I file a dispute with the credit report agency about how information bankruptcy was verified because my XXXX XXXX has a freeze on it and the court did not verify the information. It is still showing and they said it was verified and it was not. Per fair credit act must be remove. I sent the a letter and they said they do not report to credit agency. Should be remove on all XXXX reports plus my credit has a data security incident also. XXXX XXXX was cancellation of debt. See letter and they also said it was verified and it was not. 
See XXXX freeze
Consumer complaint received 2022-02-19
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)

Experian allow a fraudulent accountS XXXX XXXX to be reinserted that was previously deleted. They are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion which I was never notified. THIS IS A BLATANT VIOLATION OF MY RIGHTS PER THE FCRA. THEY ARE ALSO REPORTING THIS FRAUDULENT account as a CHARGE OFF but with a past due balance which is another VIOLATION OF MY RIGHTS PER THE FCRA. THEY NEED TO DELETE THIS FRAUDULENT ACCOUNT OFF MY CREDIT REPORT.
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/XXXX, I made purchases at Lowe 's using the Lowe's/Synchrony Bank credit card for {$1200.00}. Because of an error made by the salesperson at Lowe 's, I was not aware that two Lowe 's accounts were opened in my name. I was making payments on only one account, and the other account, number XXXX, with the amount of {$1200.00}, was charged off. When I finally sorted out and resolved the situation, I paid a settlement amount of {$820.00} in 2 payments, one on XX/XX/XXXX and the second on XX/XX/XXXX. I am in the process of applying for a mortgage and a charge off on my credit report will prevent me from getting a low interest rate. My credit score was very good before this charge off was reported by Lowe's/Synchrony Bank . Since the mistake was made by a Lowe 's employee, the negative report of the charge off should be removed from my credit report.
Consumer complaint received 2022-02-20
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. ()

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave XXXX XXXX TRANSUNION XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My XXXX XXXX number is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I called Green Tree Servicing LLC on XXXX XXXX, 2015 to get clarification on how PMI could be removed from my home loan. The Representative I spoke with gave me inacurate information which lead me to request an appraisal in order to remove the PMI. At the end of XXXX I received my appraisal with a letter declining the removal of my PMI. The letter completely contradicted the information given to me on XXXX XXXX. I immediately contacted Green Tree to explain the situation and request the removal of the {$420.00} appraisal fee. Since then Green Tree has admitted ( in writing ) that they gave me the wrong information but has refused to waive the appraisal fee. In addition, I received the worst customer service possible. Calls were never returned, questions went unanswered, etc. Attached is a letter that more thoroughly breaks down the details of this issue. Also attached is the denial letter from Green Tree Servicing LLC that makes absolutely no sense.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, again, I received a letter from Bank of America branch addressed, XXXX XXXX XXXX, XXXX, TX XXXX, asking me to submit more information on something, which I can not guess because there is no claim number and I have many issues at hand.
Consumer complaint received 2022-02-21
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: Shellpoint Partners, LLC (FL)

I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month. 
They never told me that I have to pay it at the end of the 6 month in full. 
For my surprise they do call me at the mid XXXX XXXX telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-19
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for Experian it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Consumer complaint received 2022-02-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (OK)

XXXX XXXX mailed out a check for property damaged in a vehicle accident. It arrived during a time when I was incarcerated. It was then stolen and deposited XX/XX/XXXX. I alerted them to this in XXXX of XXXX when I was released. I had contacted them to have the check sent to me and they informed me it had already been sent and paid out. Police reports were filed immediately and all documentation requested. XXXX informed me that the bank had to run an investigation and it could take up to XXXX months. It has now been almost a year and they just keep telling me the investigation hasnt been concluded. They actually asked me to stop contacting them at XXXX point and wait for them to contact me. The check was a Citibank cashiers check from XXXX XXXX in the amount of {$7800.00}. Issued on XX/XX/XXXX It was deposited into a XXXX XXXXXXXX account in XXXX XXXXXXXX on XX/XX/XXXX. Account # XXXX belonging to XXXX XXXX # XXXX. Neither Citibank, XXXX XXXX nor XXXX 's will give me any updates on the investigation.We have solid evidence that neither my XXXX nor myself cashed this check. I am submitting a complaint and formal request for an update on the investigation to each company. This investigation has been going on since XXXX of XXXX, XXXX months now, and I haven't been contacted to answer questions or anything. I don't even know if an investigation is actually taking place.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (FL)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-02-20
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. (FL)

I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. XXXX EXPERIAN
Consumer complaint received 2022-02-19
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. (NJ)

I recently reviewed my credit report and I noticed you are reporting a violation on my credit report. Please get this matter handle based on my instructions XXXX XXXX Account Number XXXX This Collections is reporting a PAST DUE AMOUNT AND AS A OPEN ACCOUNT and needs to be removed from my credit report. 
A Collection agency should not be reporting a collection account as OPEN OR A PAST DUE BALANCE. I DID NOT OPEN AN ACCOUNT WITH THIS COLLECTION, THEY PURCHASED THE BAD DEBT. THIS IS TWO VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ALONG WITH THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-02-19
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: CAINE & WEINER COMPANY, INC. (NJ)

Caine & Weiner accessed my Consumer Credit Report without permissible purpose on XX/XX//21. Caine & Weiner did violate my privacy, and does not and has never had my permission to access my personal information.
Consumer complaint received 2022-02-19
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-21
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: ACIMA CREDIT, LLC (OH)

On XX/XX/XXXX, someone stole my identity and used it to apply for credit with ACIMA. The credit request was approved by ACIMA for credit in the amount of {$5000.00}. ACIMA failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, ACIMA prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, ACIMA relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with XXXX to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted ACIMA and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that ACIMA will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, ACIMA has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly ACIMA has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report ACIMA needs to " investigate '' the clear fraud.

Further, the lack of due diligence by ACIMA is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.
Consumer complaint received 2022-02-20
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. (FL)

I HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER XXXX DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. TRANSUNION XXXX
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (MA)

I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX  trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and XXXX. However, I am unable to create an account on Experian due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a XXXX.
Consumer complaint received 2022-02-19
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: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to XXXX and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.