davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUSTMARK CORPORATION (AL)

XXXX XXXX at Trustmark Bank XXXX XXXX Alabama pulled my credit 3 times for a loan to check my score which she said was a XXXX, and again she pulled it afterwards, and my credit score has dropped XXXX points since then. How I know is I have my credit score on alert from another company who sends me emails letting me know when it's pulled more than once.
Consumer complaint received 2024-02-01
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. (NJ)

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-11
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. (KY)

This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX  and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXXXXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF HAWAII CORPORATION (HI)

I paid the balance of this auto loan to {$0.00} on XX/XX/2020 using the Bank of Hawaii website by transferring {$10000.00} from my checking account to the loan account. The loan account now reflects a {$0.00} balance. Today ( XX/XX/2020 ), I called the Bank of Hawaii loan servicing department to clarify next steps on obtaining lien release, and they informed me that there is an interest balance due of {$5.00}. This is curious because the website is reporting a balance of {$0.00}. There is likely an error here with the Bank of Hawaii website that needs to be fixed. 

I am unable to pay this amount ( {$5.00} ) that Bank of Hawaii claims is due using the Bank of Hawaii website via transfer from my checking account, as I receive an obscure error message. Telephone customer service is unable to assist. I have been instructed to visit a Bank of Hawaii physical branch office for assistance. 

Due to the COVID-19 situation, I do not want to visit a physical Bank of Hawaii branch office and should not be required to do so. Now I am in a situation where this bank is putting my physical health in jeopardy because of their misleading, outdated, and error-ridden website.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-05-25
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXY Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

After attempting a legitimate XXXX transaction, my account portal was locked. I first attempted to contact Chase via phone on XX/XX/22 but it was after-hours. I then reached out to their XXXX support, XXXX XXXX, on XX/XX/22, and was asked to call the same support number XXXX as they could not unlock my account. I called that same day and was placed on an extended hold, after which time I had to give up. I attempted again on XX/XX/22, this time selecting the option for a call back. I received a call back after about 30 minutes. The representative took my info and transferred me to dead air. I then reached out to XXXX  support again. They again advised me that they could do nothing. I called again, this time waiting on hold. I was able to get through in a " quick '' ~20 minutes this time. The rep took my info, said that they were going to put me on hold to " perform actions on my account '' and to please stay connected. They then hung up on me. I have never experienced customer service like this. I am at a loss.
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-03-21
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. (WI)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2020-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when Capital One tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

Capital One says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and Capital One refuses.
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newman, Hesse & Associates, P. A. (TX)

When I received my pay check notification from my employer XXXX XXXX, I was surprised to see that there was a creditor garnishment deducted from my pay. I have not received any notices, summons, etc. I called my employer 's pay check processor, XXXX who gave me the contact information of the company. After my request to cease the unknown garnishment, they told me their policy was to refer me to the company that submitted the Writ of Garnishment to them. 
I went to my local Human Resource department also and they are working with the Headquarters to seek resolution. 
I called the agency, XXXX XXXX XXXX XXXX XXXX, and asked about the garnishment. XXXX ( XXXX? ) told me this was for a check for {$18.00} to XXXX XXXX that was supposed to be written by me in XXXX ( 27 years ago ) and now it was a Judgement filed on it that grew to {$1200.00} with legal fees and 17 % compounded interest???. I was never given any notice about an NSF check, never on XXXX XXXXXXXX for a bad check. No notice-now or then! It seems like a scam that resulted in successfully getting my employer to allow an illegal garnishment. Had I been notified, I would have fought and disputed this fraudulent claim. 
In addition to no notice given, I live and work in Texas. This is not a garnishing state. When I said this to XXXX in our brief conversation, she simply said that 'he knows what he is doing and knows the law. ' When I researched on collection in Kansas, there is no Judgement that is extended more than 10 years with 10 year extension. This has been 27 years. 
Next, when I received the short detail sheet from XXXX on Friday XX/XX/XXXX ; it said that court was on XX/XX/XXXX. How is this??? This is fraud and I need assistance getting my money returned and to stop the garnishments immediately. Thank you.
Consumer complaint received 2022-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IA)

Throughout the underwriting process with XXXX, I had confirmation that our loan would be principal/interest only. We put 20 % down so we should not need to pay for PMI or use escrow for taxes/insurance. In fact, we already paid for the first year of homeowners insurance at closing. 

But the final documents were incorrect on the day of closing. Now our loan has been purchased by a company called Specialized Loan Servicing and getting them to remove the PMI, refund our escrow, and set up our payments correctly is like pulling teeth. 

Their response, to quote directly : " the account is set up with escrow and is a PMI type loan. I have attached a copy of the closing documents which show the escrow on the account. Thank you, XXXX XXXX ID : XXXX '' No attempt whatsoever to correct the error.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (DE)

Hello, Back on XX/XX/XXXX I did a tenant screening with XXXX XXXX and found that a Company named Ability Recovery Services is claiming that I owe XXXX University. I was at XXXX University for one semester and Financial aid covered the cost and made my account balance for the school XXXX. The Financial aid loan is also through XXXX my student loan provider and since I am actively in school the loan is in deferment. Fast forward to three to four years later and this company is trying to capitalize on a student loan that is already with a provider. When I reached out to XXXX I was told my balance was XXXX and have the screenshots of the balance and proof showing financial aid did their disbursement and I was only there for one semester then left with a XXXX balance. I was never enrolled in any classes. I disputed this with credit bureaus and when tried to contact no one is answering and I am ready to take this as a legal matter because it shows this loan is clearly loan Letter I number 11 on my Department of education XXXX student loan. Someone needs to look into this company as well as XXXX University  for reporting false information.
Consumer complaint received 2023-05-25
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. (NC)

I have reported these inquiries to Experian Who insisted that the addresses listed in my pdf warning letter to them were valid even though they are not legitimate addresses Nor do they belong to me One of the address doesnt even exist yet they continue to allow it to negatively impact my credit profile while attached to fraudulent debts
Consumer complaint received 2020-08-09
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. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (FL)

XX/XX/XXXX I signed up with Freedom Debt Solutions to consolidate and eventually eliminate my debts. Over the next couple of years I paid them a ton of money. They claimed to have settled debts on my behalf. On XX/XX/XXXX, I finished with Freedom Debt Solutions. Since then I was sued by a creditor they were supposed to have settled with. So, I emailed them to get a full accounting of how my money was spent and to see if they in fact had paid off those whom they were supposed to. I sent the email on XX/XX/XXXX and again today XX/XX/XXXX because they ignored my request. Their refusal to account for funds and the fact that creditors are now coming after me indicates they may have stolen my money.
Consumer complaint received 2020-08-09
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. (PA)

EXPERIAN ONLY erased ALL my credit history because I legally changed my name. I submitted an official copy of name change, social security and even birth certificate with old XXXX new driver license to all credit bureaus. Experian refuses to consider the legal proof I provided. Yet each time an inquiry comes through I am DENIED an apartment because they are keeping the 2013 eviction as part of my private file. This discrimination and I know that this could easily be corrected and I could at least have a place to decent live. Each apartment complex goes to Experian ... they need to submit in writing WHY the ignore my request but XXXX & XXXX accepted my legal court documents as legal proof of my past and present! 

Thanks for assistance in resolving this discriminatory act, that has me paid over {$350.00} in rental applications fees, decreases my credit score, denied apartments, purchase of cars, this must stop. I have spoken to EXPERIAN over 5 times including supervisor and no one seems to care or know how to handle this unfair act of discrimination based on name changes. 

Hard times are made to end when you work 2 jobs and create a XXXX, XXXX is unfair!!!!
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I was informed that my student loan fell under the Cares Act law which went into effect XXXX XXXX and were scheduled to expire XX/XX/2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with XXXX, XXXX and XXXX. This is illegal considering the cares act law.