davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (VA)

Subject : Formal Dispute and Urgent Request for Validation of Accounts Dear Sir/Madam, I am writing to formally dispute the validation of several accounts listed on my credit report by XXXX XXXX XXXX and XXXX XXXX. Upon reviewing my credit report, I have identified discrepancies and inaccuracies in the reported accounts, compelling me to seek your intervention and request thorough validation of these accounts. 

Account Information : XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$2300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$2300.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$1400.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Collection Account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX Account Number : XXXX Recent Balance : {$660.00} as of XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Status : Collection Account. {$660.00} past due as of XX/XX/XXXX. 

I dispute the validity of these accounts based on the following grounds : Lack of Proper Validation : Despite my previous dispute attempts, the accounts in question have not been adequately validated by the reporting agencies. I request comprehensive validation of these accounts, including but not limited to verification of the account numbers provided. 

Unclear Documentation : The documentation provided thus far regarding these accounts has been insufficient and vague. I request clear and detailed documentation that unequivocally proves the validity of these accounts, including account statements, agreements, and transaction history. 

Discrepancies in Reporting : The reported account information contains discrepancies and inconsistencies that cast doubt on the accuracy and legitimacy of these accounts. I request clarification and validation of all reported details, including account numbers, balances, and dates opened. 

I demand an immediate and thorough validation process to ensure the accuracy and integrity of my credit report. Failure to provide adequate validation will result in the removal of these accounts from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I expect written confirmation of the validation process and a detailed report of the findings. Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this dispute swiftly and fairly.
Consumer complaint received 2024-02-06
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. (SC)

I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.
Consumer complaint received 2018-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I am the owner of a coop my mother purchased in XX/XX/XXXX. The proprietary lease was transferred to my name in on XX/XX/XXXX. My mother, XXXX XXXX, passed away on XX/XX/XXXX. After my mothers death, I learned that the mortgage associated with the coop is not in my name. It was in my mothers name and my estranged uncles name, XXXX XXXX. 

Since my mothers passing, I have moved into the property tied to the mortgage and have made consistent monthly payments ( over {$4000.00} in XX/XX/XXXX alone ). I have made several attempts to contact PHH Mortgage Services regarding transferring the mortgage solely into my name as this is my property, primary residence, and a debt I am paying off. I provided all documents required to initiate the transfer including my mothers death certificate, my photo ID, certificate of title registered to my property, and court order transferring the property to me. 

Despite all this, PHH Mortgage Services refuses to speak with me as my name is not on the mortgage. To make matters worse, PHH removed my mothers name from the mortgage after I submitted her death certificate. The lien is now in my uncles name/social security number a person I am no longer in contact with and who has no link whatsoever to the property.
Consumer complaint received 2018-11-28
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: SYNCHRONY FINANCIAL (MI)

XXXX has been non-compliant with removing the unverified account SYNCB/JC PENNEY DC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that SYNCB/JC PENNEY DC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have informed Trans Union on several occasions ( at least 5 times ) and the other major bureaus that they have the wrong information with regards to my name, address and telephone number.
Consumer complaint received 2020-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commerce Home Mortgage, Inc (CA)

Commerce Home Mortgage has been attempting every month since XX/XX/2019 to collect on a mortgage they no longer own. Every moth its the same, we call in to dispute, they apologize recognize they have sent out a goodbye letter and say they will take care of it. Next month here comes another bill requesting all back payments through current. Clearly they are attempting to collect on a debt they do not own anymore and have been informed multiple times and acknowledged such. It is a waste of our time to sit on hold and waste our time for their dishonest/lazy behavior. I cant help but wonder how many people may have actually paid these people in error. I feel this is harassment at this point and will be seeking legal advice next.
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: SANTANDER HOLDINGS USA, INC. (NY)

Santander Consumer USA 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 Employee ID # XXXX on XX/XX/2022 at XXXXXXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXX Department and she would call me back when she hears back from them, approx. in XXXXXXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX department 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 XXXX department 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 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

Accounts listed below need to be deleted off of my credit report IMMEDIATELY Account Name : RESURGENT RECEIVABLE. Account XXXX : XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Consumer complaint received 2022-05-03
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS is a medical collection agency that has been sending me collection letters for {$1000.00}. 
I sent the a letter requesting the address of the medical provider so I can go there in person to check why am I getting collection letter and instead they responded that they represent physicians who provide services in healthcare facilities throughout the country. And then they mentioned that in response to my request for verification of debt they have listed this information : Creditor : XXXX XXXX XXXX Account XXXX Amount owed {$1000.00} Service date XX/XX/2016. 

Not only are they not sending me the signed medical registration I requested from them. But as you can see, there response is vague. I don't know who XXXX XXXX XXXX is to g and investigate myself and they don't give me address, name of doctor or telephone number to the medical facility. And also if the service was 2016, why are they violating statute of limitation law if there time expired.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX Chase Bank called me about a particular charge on my card. It was fraudulent and they canceled the card and said they would send me a new card. I asked them to send it to my sons house as that is where I am. I expected to have the card by Tuesday, XX/XX/XXXX, today I still DO NOT have a replacement. I can not pay my bills, buy FOOD or rent a car. I have called Chase several times and have been told it has been snail mailed. MAYBE I will have it by tomorrow. I have accrued several late fees since I don't have a card and cant pay on line, where the companies want payment.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUN LOAN COMPANY INC. (AL)

Sun Loan in XXXX AL was advised on numerous occasions to stop calling my place of employment. They proceeded to do, giving my personal information to a coworker ( same first name as mine ). I escalated this issue to the District Manager and she assured me it would not happen going forward. Once again, this week, an employee contacted the same person in my office and advised her of private information regarding my personal business matter with this company. I attempted to have the office manager at Sun Loan give me a number of the complaint line but she refused and disconnected the call. I called a different office and they gladly provided the information.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

MY CREDIT FILE IS IN THE OFFICE OF COMSUMER AFFAIRS WITH EQUIFAX INC. EQUIFAX BLOCKS MY AND/OR CREDITORS TO SEE MY CREDIT REPORT AND CAUSES ME GRIEF AND CAUSE CREDIT DENIAL DO TO NO CREDIT FILE SHOWING UP. I HAVE BEEN DEALING WITH THIS FOR OVER 7 YEARS WITH EQUIFAX. I NEVER REQUESTED MY FILE BE IN SPECIAL HANDLING AS EQUIFAX REP SAID. ITS FOR MY PROTECTION. I HAVE ALOT OF INACCURATE INFORMATION ON MY CREDIT BUT IM UNFORTUNATE TO SEE IT EQUIFAX HAS ALSO BLOCKED ME FROM SEEING MY REPORT FROM ALL ONLINE ACCESS.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I was reviewing my credit report and noticed the my Victoria Secret credit card was being reporting twice. One was my correct card i have had for 18 years, with current balance of {$0.00} and another was a fraudulent account showing balance of {$2400.00} XXXX around XXXX which Victoria secret had already handled and took care of but was still showing on my report. I printed out my credit report and specifically outlined with detail to remove the account with a balance as that was incorrect and not my account, but to NOT touch my open mature account ive had for almost 18 years with a {$0.00} balance and open credit line. This was very detailed as i DID NOT want my account closed. A month later when i went to check my credit report i noticed by long standing credit account with Victoria Secret had been closed. I was devastated as not only did that lower my available credit but it took away years of my credit history. I was in the process of starting to pay things down on my credit to build up my credit and this really hurt my credit. Again, i did not request this account closed and when i called Victoria secret they understand this was a error but advised they could not reopen my old account. I request the CFPB to please request them to reopen my long standing account that i was in good standing with as this was done in error please.
Consumer complaint received 2018-04-14
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. (MA)

While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own judgment!!!
Consumer complaint received 2018-11-28
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: JPMORGAN CHASE & CO. (MI)

XXXX  has been non-compliant with removing the unverified account CHASE CARD Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-29
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. (GA)

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (GA)

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I called Experian on several occasions dated XXXX XXXX and XX/XX/XXXX  to have incorrect/transposed legal names removed from my Experian credit report. I have also filed couple CFPB complaints trying to correct this issue with no success. 
Experian is declining to remove incorrect names records stating they did a reinvestigation according to the 15 USC 1681. Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my right under 15 USC 1861. According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy. According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. Even after several attempts to have incorrect names removed, Experian is still showing several incorrect names and they still are refusing to remove the incorrect names. Experian keeps saying that they are getting these names from the creditor and that I need to contact the creditors to have the information corrected. As per the law, they should not be reporting incorrect information on my credit report but they still are and they are justifying breaking the law by saying the creditors are sending them the information.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

In XXXX I contacted Citibank regarding a foreign transaction fee, of {$20.00}, which appeared on my statement. I was informed by the rep that my credit card was used in XXXX in XX/XX/XXXX. 

I was actually in XXXX Virginia from XX/XX/XXXX to XX/XX/XXXX, this is reflected in my credit card history. 

I have tried to resolve this issue with Citibank but they have only issued me a new credit card, I have not received credit while an investigation is conducted. In fact, when i contacted Citibank for a status update, in the XXXX XXXX of XXXX, I was informed that an investigation was not on file and that someone will contact me within the week. It is now XX/XX/XXXX and I have yet to be contacted.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

Equifax has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.
Consumer complaint received 2020-07-25
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. (LA)

US Department of Education- Loans were calculated incorrectly. Interest was added to my accounts because it appeared that I was not a XXXX student when in fact, I was. This was reported incorrectly. It dropped my credit score and started adding interest to my loans because of a mistake of the University.