davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
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. (TX)

XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX
Consumer complaint received 2023-06-23
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 US DEPT ED XXXX XXXX US DEPT ED 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2021-03-07
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)

Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

Phoenix Recovery group has been attempting to collect an inaccurate erroneous debt since XX/XX/2018. I have contacted them multiple times since XX/XX/2018 to get an explanation of the debt or for them to atleast correct the balance but to no avail they refuse to update or delete the inaccurate account from my credit report for XXXX or XXXX. The original creditor was paid out {$2400.00} as per a settlement agreement reached in XXXX county civil court on XX/XX/2018. Phoenix recovery group insists that there are no records of this even though I have the court documents and receipts of payment they refuse to take into consideration. Also I have disputed this account with all 3 credit bureaus as an inaccurate account and Phoenix recovery continuously responds with " Account information disputed by consumer, meets FCRA requirements '' I believe no due diligence is being taken on their behalf and this is negatively impacting me by preventing me from obtaining credit and renting or buying a home
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I already filed a complaint about multiple credit card and debt collection companies. One of the companies was Capital One ( card ending in XXXX ). Capital One had a debt collection company send me a letter today, XX/XX/2018. It's a different debt collection company than before : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2018-12-31
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: U.S. BANCORP (CA)

Someone hacked my account and was able to clone my debit card. My pin number was also compromised. In doing so, the hacker was able to go to an ATM and pull out {$220.00} and {$80.00} on XX/XX/XXXX & XX/XX/XXXX. They also were able to withdrawal {$320.00} & {$80.00} on XX/XX/XXXX & XX/XX/XXXX. I reported it on XXXX I believe. The bank mailed me paperwork to turn in so that I would get my money back. However the banks fraud team denied me my money. I was under the impression that the victim has zero liability if the victim reports the claims immediately. 

P.s. 
I bank with US Bank.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. 
SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. 

I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. 

My question I keep asking is, how did SLS get possession of the original the promissory note?
Consumer complaint received 2018-12-31
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. (TX)

On about XX/XX/2018,XX/XX/2018 and XX/XX/2018 I send the " Letter of Demand '' to 3 Major credit Bureau companies : XXXX, XXXX and TransUnion .

Only XXXX excepted my dispute and Completely deleted and removed some collections, unknown bank charges form their credit file.

The other 2 credit companies : XXXX and Transunion had fail to notify me the unauthorized charges from those Banks report to their credit file.

They only mail me the letter informed those charges were accurate. But did not provide me any prove evidence or document like Statements, invoice, balance due ... from their Banks show I own them.

Please help me to investigate and send a complain to XXXX and TransUnion again. Thank you
Consumer complaint received 2021-03-07
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: ALLY FINANCIAL INC. (AK)

In XXXX of 2020 I contacted Ally and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. Ally told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of 2020 I actually contracted XXXX and was sick for nearly 90 days. I again contacted Ally and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX  60 days late in XXXX. To XXXX Ally reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Consumer complaint received 2023-06-23
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. (TX)

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on Experian but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all XXXX bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all 3 bureaus are reporting different two year payment history.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (VA)

I have a personal account with BB & T. BB & T sent me a letter which stated that Bb & T debited {$100.00} from my account for a check that was deposited previously. However, on going through the history of my account I did not find a single deposit of {$100.00}. The letter that was sent also had a copy of the check. But the copy of the check they sent did not have my name on it and neither was that check ever deposited in my account. It was somebody else 's check with their personal information in it which was shared with me. On inquiring about this issue with the local branch on XXXX XXXX, XXXX they said that this debit was made because of another check that was deposited in my account for {$98.00}. If the deposit amount was of {$98.00} then why was a debit of {$100.00}? On asking this question to the bank manager as well as the clerk I did not receive any satisfactory response.
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

I applied at the XXXX in XXXX GA before I found out I needed XXXX XXXX. I was accepted as a tenant but never moved in seeing I was also accepted as a XXXX XXXX for them but could not move nor take the job since I XXXX XXXX XXXX ( XXXX ). I had XXXX and needed to stay where I was. XXXX XXXX at the time was the manager who told me not to worry that everything would be taken care of. I never moved in. I took his word. Come to find out another company took over the XXXX and all of a sudden I was charged a {$5000.00} debt for an apartment I never moved into. When I called the XXXX  they told me that they had no proof of me living there or my paperwork since they were bought out. I attempted to contact their corporate office and nothing was done. This has impacted my credit score by 74 points and is illegal. I have lived at the same GA address since XX/XX/2016 to present date I continued attending school at XXXX XXXX University and never stepped foot into the dorm. Everything was to be handled by the manager after I realized that my XXXX needed proper care that would take longer and only available on a military base due to my insurance with XXXX.
Consumer complaint received 2019-01-01
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: JPMORGAN CHASE & CO. (NC)

Closed credit card account last XX/XX/XXXX. After informing Chase in writing to close the account they contacted me via telephone and and confirmed that the account was closed and the balance was XXXX. In XX/XX/XXXXI received a notice that there was a balance. Apparently after my notification to close they account they posted two more transactions for a total of about {$80.00} to the suppedly closed account. They did not communicate this to me but have been applying late fees and interest without advising me. The amount is now about {$260.00}. The late payments are also reflected on my credit report.
Consumer complaint received 2023-07-26
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. (VA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXBalance : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original creditor : CXXXX  ) XXXX Balance : {$73.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXBalance : {$20.00} ; XXXX SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXXXXXX Balance : {$250.00} ; UTILITY SELF-REPORTED ( Original creditor : XXXX XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Originalcreditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$1300.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XXXX XXXX.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are  required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 &  617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo mortgaged my home from XX/XX/XXXX-XX/XX/XXXX. Lowered my monthly payments without my permission. Refused to work with me when I had a buyer for the home. Ended up in foreclosure and lost home.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2016, I disputed charge-off information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX. This company refused register mail from my attorney, which I have retained to assist me in resolving the matter. However, company has electronically updated the information on Equifax results dated XXXX/XXXX/2016. I then contacted Equifax to re-investigate matter providing the company with refusal confirmation from USPS and letter from company. Equifax has refused to update information given the information that I provided. I have used all methods provided by Equifax to contact company including telephone number and mailing address. When I have received now response, I employed an attorney. I believe Equifax has violated the FCRA by not reviewing documents that I provided or even taken it into consideration of continuing to report items on my credit report. I did advice Equifax that I am in the process of purchasing a house, and its actions are adversely affecting me.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

On XX/XX/2016 I opened a Discover credit card. I always make my payments on time. During the time of my divorce i was late on some payments. I since then have paid of all the entire balance and the account has been closed. I had during the time of my divorce spoke to a manager at Discover who assured me that they understood my situation. I was told that if i paid of all of the balance on the account that not only would the account be closed but that they would remove any delinquency reporting on my credit score. As of XX/XX/XXXX the delinquency is still reporting on my credit. I have a XXXX  $ balance and the account has been paid off for a really long time. I called again and another manager reassured me that everything would get removed as of last billing cycle. IT has not. At this point I am trying to get a loan for a mortgage and this is severely affecting my ability to qualify. Discover had promised me by now that this would all be resolved.
Consumer complaint received 2019-01-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX
Consumer complaint received 2019-01-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX
Consumer complaint received 2018-01-25
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: Experian Information Solutions Inc. (FL)

The referenced accounts have been reporting on my consumer credit file in error 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

US bank blocked my access online without explanation. They are requesting me to go to the brunch. I am currently in XXXX XXXX XXXX and Bank cant clearly explain where the branch is in NY. Its caused huge inconvenience and distress.
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (AL)

Purchased vehicle XXXX a XXXX XXXX XXXX at XXXX have paid on time ever missed a payment and still owe XXXX to this date. Called for payoff told it has all bee. Going to interest and not one cent to principle. I was told this was a 5 year loan and now have been told it will be extended to XXXX. After so many principle payments. Vehicle is upside down XXXX only worth XXXX can not trade with out XXXX and no bank will refinance. Please help me. I am a single mother.
Consumer complaint received 2019-01-01
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 — Problem with personal statement of dispute
Company: AES/PHEAA (FL)

The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

Pennsylvania Higher Education Assistance Agency Account # : XXXX Account ID : XXXX