davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (GA)

This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done
Consumer complaint received 2019-07-27
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)

My Equifax credit report have an account listed that are not mine. I disputed the accounts as " not mine '' but it recently came back as verified.. I have never had an account with these companies..Please delete immediately before further harm is done.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Consumer complaint received 2019-07-27
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. (GA)

This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its done
Consumer complaint received 2019-01-30
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: Convergent Resources, Inc. (CA)

XXXX  has been non-compliant with removing the unverified account CONVERGENT OUTSOURCING , INC . Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CONVERGENT OUTSOURCING, INC. 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 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK (FL)

I opened a checking account with XXXX on the XXXX of XXXX ( over three weeks ago ) motivated by a cash bonus for opening the account and completing some additional requirements. I have deposited over XXXX into the account. This institution does not have physical branches. I have zero access to my money or account through their app or website. I have not had access virtually since I opened the account. I know my user name and password with 100 % certainty. When I enter them it does not tell me they are incorrect. It says I can't login right now and to call customer support or something vague like that. Even so, I tried to reset the password multiple times. When I enter my information to reset the password it tells me there is not a user with that info. They have admitted fault in this issue. They told me that a batch of user accounts were accidently deleted. It has been weeks. Every time I call ( at least 3 times ) they tell me they are working on it. Then a week goes by and nothing happens. I have no access to the XXXX and they can not fix it.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (UT)

I purchased a new XXXX XXXX through XXXX. They use Citizens One bank for installment loans over 24 months. I called before applying for the loan and asked if I could pay a lump sum payment at the beginning of the loan to lower the payments through the life of the loan and was told that I could. They had to have the loan first in order for me to do this. I then called in today to make the lump sum payment to bring the monthly payment from {$43.00} to {$30.00}. They informed me that they can not do this. They said my payment is fixed and that they don't offer this. I informed them of the previous call that I had had with them and they said that it was unfortunate that I was given wrong information but that they would do nothing. I told them that I would not have purchased the phone had I had all the correct information and they did not seem to care. The seems like an illegal lending practice to advertise loan terms before a purchase is made and then change them after it is done. They told me they will be looking for a copy of the first call that I made but told me that even if I am right nothing will change. Literally all I want to do is pay them money to make the payment more affordable and they told me that I could do this before the loan was initiated.
Consumer complaint received 2017-07-25
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. (MI)

XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
Consumer complaint received 2017-07-24
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. (MI)

For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

Blocked my account for 3 weeks for total of 27 times. Wish to complete terminate the account by filing complaint with XXXX  but unsuccessful. Their financial review teams always busy, and for transaction dispute is even worse, they took my response as merchants response and closed the dispute. Unbelievable.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX  in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. 

I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (FL)

I disputed inquiries on my report that were not related to things i consented to. After less that 12 hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX MORTGAGE SERVICES XXXXEQUIFAX MORTGAGE SERVICES, 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 2019-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

When we got divorced in XXXX we had two rental properties with mortgages through Chase mortgage. On XX/XX/XXXX and XX/XX/XXXX my ex-husband forged my name on two loan modifications and Chase put both of these loan modifications in place. I found out about these forged signatures last year and have gone through several avenues to try and get it correct. The latest early in XXXX I talked to XXXX in the escalation department he said they would investigate. The next day he called back and said he was not allowed to discuss it with me anymore, but suggested that I have my ex apply for a loan assumption. ( I suggested that to him with no response. ) I had asked XXXX, and have asked again in writing 3 more times, what would Chase recourse be if he doesn't apply for an assumption or if he doesn't qualify. I have also asked the same amount of times, what is Chase 's process to verify signatures. It is obvious it is not my signature. I have gotten no answers. Yesterday I got a letter from Chase saying to contact them at XXXX. So I did. They questioned why I said it was a fraudulent loan. So explained again what had happened. I again asked my two questions ... what is their recourse if my ex doesn't get a loan modification and what is their process to verify signature on loan modifications. She told me she didn't know the answers to those questions and would have to ask underwriting.
Consumer complaint received 2017-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

I have been a victim of identity theft with multiple accounts and a tax return. I have reached out to this company notifying them of such and have completed their identity theft paperwork but it is still on my credit reports. I have not heard anything back from them in over a month since I sent the paperwork with police report included. This account is negatively affecting me on all three bureaus and the amount keeps changing between XXXX and XXXX something owed for this fraudulent account. I did n't even have a license or a permit when this account is being recorded as being opened.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am very frustrated at this time, my concern was not properly handled by Equifax, I've been writing letter for months and now did not get a clear explanation as to why they keep on saying the accounts were verified.Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information.. All claims true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable laws and requisite standards. The accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX payment history were incorrect, false and error in reporting. Charge off with balance? is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved.
Consumer complaint received 2019-10-03
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. (MS)

I have sent several letters to XXXX, Experian and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Consumer complaint received 2019-01-30
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : 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 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX My balance on my Bank of America credit card ending in XXXX was {$22000.00}. It said " CURRENT BALANCE {$22000.00} ''. I paid {$22000.00}. I signed on to my account yesterday ( XX/XX/XXXX ) to find that the same day ( XX/XX/XXXX ) that the bank also charged me interest of {$440.00}. I figured it may have been a timing issue or something and the bank would correct it. I went through the online chat - where she was telling me that I was due the interest and we were not communicating well. So, I picked up the phone and called. I spoke to a woman that told me I had to have my account paid off for 2 months to avoid the interest - this was the most ridiculous thing I had ever heard. I asked for her manager. The manager, Ms.XXXX  got on the phone. She told me in order to get a pay off balance I needed to call. I told her that my statement clearly said my balance. The cut off date was XX/XX/XXXX. I paid my balance in full on XX/XX/XXXX. My balance was my balance and I should not have been charged interest because it was paid in full. She said that on page 2 of my statement under the caption of " miscellaneous '' it said that I needed to call for my pay off balance. I made my dispute known. It wasn't until I hung up finally that I read the " miscellaneous '' section she pointed me to. This has nothing to do with what she was saying - it had to do with promo interest rates. Mine was not a promo rate at all. 

MISCELLANEOUS - Promotional Rate End Date : This date is based on a future statement closing date. If you change your payment due date, this date could change. The New Balance Total which appears on this statement is not a payoff amount and may be subject to additional interest charges when you pay in full after your statement closing date. Please contact the customer service number located on the front of this statement for a pay-off amount. Virtual cards are the digital form of your eligible physical credit cards stored within a digital wallet. 

The most sophisticated or non sophisticated customer will assume that if they pay their balance in full by the cut off date that there will be no additional interest. I feel very taken advantage of. From everything I have read online if I pay my current balance stated I should not be charged additional interest.
Consumer complaint received 2019-10-03
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. (TN)

Experian is reporting incorrectly collections/charge-offs on the XXXX XXXX XXXX account numbers : Account Number Experian Amount XXXX {$750.00} XXXX {$430.00} XXXX {$650.00} XXXX {$650.00} XXXX {$740.00} XXXX {$340.00} XXXX {$310.00} XXXX {$340.00} XXXX {$430.00} ( Please see pages 6, 7, 8, 9, 10 and 11 of the attached credit report. ) These accounts do not belong to me. I do not know who XXXX XXXX XXXX is. These line items clearly have been added to my credit report in error and these line items need to be removed immediately. This incorrect reporting of collections/charge-offs is seriously harming my credit score. I have contacted the bureau to remove these items however, I have not been successful.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.
Consumer complaint received 2023-01-13
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IL)

My ex and I got divorced in XXXX. On XX/XX/XXXX my ex did a loan modification without my signature. And XXXX XXXX Loans rolled over XXXX into the loan, extended the terms and increased the payments. I did not and would have never agreed to this. I had several phone conversations with them before it was put into place and explained this until the point that they would no longer talk to me. They then sold the Mortgage to XXXX, who in turn sold it to Shellpoint Mortgage Servicing. I has since sent letter to both XXXX and Shellpoint explaining that I have been told by several attorneys that I am not responsible for the additional money rolled into the mortgage or the higher payment, since I didn't sign it, the modification is not binding to me. XXXX tells me that we don't hold the loan we can't do anything. Shellpoint tells me well we didn't do the modification so it's not our fault. In response to my last letter I got a notification from Shellpoint saying XXXX XXXX XXXX  XXXX XXXX XXXX in the Owner of my loan and their address XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I want to bring to your attention the fact that certain accounts have been successfully removed from other credit bureaus, yet they are still being reported and furnished by your department. Despite my numerous attempts to communicate with you in a legal and transparent manner, you have chosen to ignore the laws established by Congress regarding the accuracy of information. 

I now demand that the following accounts be deleted and removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Nature of Dispute : [ discrepancy on the Date Last Reported, and Date of Last Payment ] XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Two-Payment History and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, and Date of Last Payment ] - REMOVED FROM OTHER CREDIT BUREAUS!!! 

XXXX. XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Account Type or Detail, Date Opened, Date Last Active, Payment Status, Date Last Reported and Date of Last Payment ] XXXX. XXXX XXXX XXXX Account # : XXXX Nature of Dispute : [ discrepancy on the Date Opened, Date Last Active, Date Last Reported, Two-year Payment, and Date of Last Payment ] These accounts have been successfully removed from other credit bureaus, and their continued presence on my report is a violation of the laws established by Congress regarding the accuracy of information. I request an immediate action is taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Due to some failure to properly verify the information on my credit report, inaccuracies have occurred, which have negatively affected my credit ratings and reputation. Therefore, I strongly demand an immediate removals of these unverified and inaccurate accounts from my credit report in order to restore the accuracy and integrity of my credit history. 


Truly yours, XXXX XXXX XXXX