davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (NC)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. Transunion and XXXX deleted it but XXXX is holding this account when it is past the statute of debt limitations in the state of North Carolina is 3 years. XXXXXXXX XXXX  # XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on XXXX XXXX the balances are also different. XXXXXXXX XXXX  # XXXX, dates last active and dates of last payment are inaccurate.
Consumer complaint received 2021-12-13
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 XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been disputing a XXXX XXXXXXXX XXXX Account listed on my Transunion report as being sold to XXXX XXXX credit report since XX/XX/2021. After Each dispute I get a letter stating the account has been verified. In XXXX I sent XXXX a debt validation letter and since the account could not be validated it was removed from my XXXX Credit Report. I contacted Transunion and made them aware that the account could not be verified and needed to be removed off of my credit report. Transunion responded by saying that the account is verified and refuse to remove off of my credit report.
Consumer complaint received 2021-12-13
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: LEXISNEXIS (IL)

I contacted LexisNexis to have me removed from there system XX/XX/2021, than I contacted the XXXX XXXX XXXX XXXX  to request a letter as to if they report to LexisNexis and requested a credit report from XXXX, XXXX and XXXX to show that LexisNexis is reporting a bankruptcy and indicating the information was provided by the courts, I requested LexisNexis provide me the source of there information and was sent a letter that simple says, " After an investigation of the data in question, LexisNexis verified that the bankruptcy case # is accuraetly reporting on your LexisNexis RiskView report '', they will NOT provide the source as requested
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (TN)

They are calling my number several times per day. asking for personal, private identifying information, wont tell me what the debt supposedly is or the amount. Ask them to stop calling my phone and send any correspondence via certified mail. just asked them once again to stop calling on XXXX2018 XXXX XXXX eastern time. this is the 3rd time ive asked them with no compliance on their part. Ive received nothing in the mail from this company.
Consumer complaint received 2018-07-09
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: Mortgage Research Center, LLC (LA)

I called the company to do an investigation regarding ( Late Payments ) that were made. They were sent proof in the form of bank Statements and Letters from the bank. 


XXXX XXXX XXXX and XXXX XXXX are Inquiries that were not authorized
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My information was sold and bought illegally because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these illegal accounts from my credit report.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I received an email from Chase Ultimate Awards on XX/XX/XXXX saying I had until XX/XX/XXXX to book a flight I had previously canceled. I wasn't aware I had a travel credit until the XX/XX/XXXX email which was 2 weeks before it expired. I followed the link and flights were over XXXX I called the Chase number and spoke with a rep in XXXX for 40 min and the rep told me it was extended out to XX/XX/XXXX and I would receive an email to verify. I received another email today from chase saying credit expires on the XX/XX/XXXX. No email from the previous chase rep as promised. Called back again today, XX/XX/XXXX, spoke with another agent in XXXX and after 30 minute, she confirmed it was good until XX/XX/XXXX. I asked her to send me an email to verify while I was on the phone as the last rep didn't and she said she couldn't send anything and sent me to her supervisor. His name is 'XXXX  '. He told me it was only good until XX/XX/XXXX if I had an XXXX XXXX travel number, which I don't. So both agent gave me the incorrect info and after speaking with XXXX for another 30 minutes, he said as a one time courtesy I could purchase 2 new tickets with the same airline and same passengers, send them to statement and they would credit the difference or just have the entire amount credited. I chose the credit and he said I would be contacted in 14 days with a response. I requested some sort of verification we had this call, some way to reference it and he refused to give me anything but his name, 'XXXX ' and a reference number. XXXX # XXXX Almost 2 hours on the phone and still no actual resolution and highly doubt I'll get an email from them.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I started a dispute onXXXX XXXX  regarding a collection account from XXXX XXXX XXXX, XXXX  days later no response from Experian. I followed up with a certified letter on XXXX XXXX, still no reponse, so I immediately contacted your office and was told they have 30 days to respond. Its been over 70 Days at this point!
Consumer complaint received 2022-07-06
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. (NC)

I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-05-10
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: CITIBANK, N.A. (SC)

In mid XXXX of XXXX, I got a balance notice text of almost {$700.00}. 
I immediately got online to see what the charges were since I had a XXXX balance for almost a year. NONE of the charges were mine. They were made on XX/XX/XXXX and XX/XX/XXXX, when I was with everyone that had access to my card was with me. I got home from work and the card was put away with in a safe with all my other cards I do not use. I do need to mention that this card expired XX/XX/XXXX and I had not received a replacement card nor did I activate one. I got on the app to file a fraud claim AND I called. They said they would investigate it. On XX/XX/XXXX, I received a letter saying they were closing my case and I still owed {$350.00} because the card had be used with the chip. I called BACK the same day, and opened up ANOTHER fraud case. 
On XX/XX/XXXX, I got an email from CITI asking was a charge mine, it was not. It has another woman 's name AND address on it. So one can assume this is the person who made the charges. I replied back stating this was not my charge and I did not give her permission to use my card. CITI said they would be in touch. The only time they got in touch was to tell me I was past due on my account. Which I WILL NOT pay. 
After nothing from them for months I called back on XX/XX/XXXX and they told me I had to dispute all the charges AGAIN. Then I get a letter on XX/XX/XXXX stating the same as the first letter that I was responsible for the charges. I don't know HOW they used the card when I clearly had it locked up but I did not make the charges. CITI knows who made them and they should go after them for the monthly payment. 
I am at a loss on what to do. Is there anything I can do to save my credit score at this point and get this wiped off. All I can talk to at CITI is data entry people and no one from security will reach out to me for help.
Consumer complaint received 2021-05-11
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. (KY)

I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.
Consumer complaint received 2022-07-06
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: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/2022 XXXX Amerisave Mortgage did an inquiry on my credit report and all XXXX credit reporting agencies have the hard inquiry that does not get removed for 2 years. I did not authorize or have not had any communication with or signed any documents with anyone from Amerisave to pull a credit report on me. The only communication I had with this company was on the XXXX XX/XX/XXXX, when I contacted the company to find out why there was a credit inquiry that I did not authorize.
Consumer complaint received 2021-12-13
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. (NC)

On XX/XX/XXXX I noticed XXXX emails confirming a purchase made through XXXX on my chase visa. The XXXX items priced {$170.00}, {$180.00} and {$160.00}. I immediately went to my XXXX account and had XXXX messages dated XX/XX/XXXX ( the date of the XXXX purchases ) stating that " We temporarily reset your XXXX password and secret questions because we believe that your XXXX password and username, or your email address and password, were used without your permission. '' I contacted XXXX and was told that the purchases looked familiar to them as a " scam '' that they have seen before. On XX/XX/XXXX I had a message from XXXX that someone had accessed my account located in the XXXX, XXXX area. I live in XXXX, XXXX and am employed as a XXXX and was XXXX in XXXX on XX/XX/XXXX. I then contacted chase and was advised to close my card and have a new card issued which I did. I opened a fraud claim and within a day or XXXX the XXXX charges were removed from my account. Then on XX/XX/XXXX I checked my chase card account via my app and saw these exact charges had reappeared on XX/XX/XXXX. I immediately phoned chase and the customer service rep said that he could see the original date the charges appeared and were removed and thought something must be wrong and connected me to fraud recovery. The fraud recovery department informed me that the charges were back because my claim had been denied. When I made the original fraud claim I was never told to submit any supporting information or I would have attached all of the messages from XXXX regarding my account being used by someone else. They said I could appeal so I did and at that time I emailed copies of messages from XXXX but have just received a letter my appeal has been denied.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

15 U.S.C 1681 section 602 A. States that 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.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC (CT)

I have been disputing two credit card accounts with XXXX since XX/XX/XXXX and keep getting item was verified. On my credit report both accounts is listed as being sold to JTM Capital Management. I called several times never got an answer and also sent a debt validation letter certified mail return receipt on XXXX XXXX. I never received a response back from JTM Capital Management. On XX/XX/XXXX I called XXXX XXXX who is the issuer of the card and spoke with a rep name XXXX upon given him my social security number he said there was no account listed in their system with my name, address or social security number. On XX/XX/XXXX I reached out to XXXX again and made them aware only to be told that the account was investigated and the account has been verified. It seems unlikely that they were able to get a verified response when I have been calling for months and sent a validation letter and never received a response. Even when I called XXXX XXXX I was not in their system so how can these accounts be verified when XXXX supposedly reached out. I believe the credit bureau never verified anything and is refusing to remove unverified items off of my credit report.
Consumer complaint received 2020-02-19
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. (DE)

I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. XXXX  and Experian closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. XXXX  and Experian should be diligent in processing disputes, making sure to report only information that is factual and has been validated.
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (GA)

I woke up to find out someone applied for a credit product in my name without my consent resulting in a hard inquiry from XXXX XXXX. I am a victim of identity theft. I attached a copy of police report, and identity theft affidavit that's been filed.
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (CT)

I contacted exeter finance at XXXX at this point is daily. This company owes me about XXXX for a overage in payments sent in XXXX separate checks. They have told me check was sent XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX. Each time I requested proof checks were sent. I was told no that isn't allowed or I was told give us XXXX to XXXX hours but never given any information. They received payments on timely manner and are now withholding money that does not pertain to them.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

I refinanced my mortgage at the end of XXXX. The management was transferred from XXXX XXXX to Mountain West Financial ( MWF ). I had zero issues in the handling of my mortgage and escrow account when XXXX XXXX was managing, but Mountain West Financial has been nothing but headaches. 

As an overarching note for the below examples, all of these payments were pre-funded in my escrow account, and should have been paid from this account. 

XX/XX/XXXX - I received an overdue notice for my Property Tax Bill from my county. The company representative told me I might be responsible for paying the penalty amount, and that it would be taken from my escrow account. 

XX/XX/XXXX - I received a notice that my Hazard Insurance hadn't been paid and was going to be cancelled. I contacted MWF who told me they freeze all escrow account for 60 days after a new mortgage is taken on. This was never shared with me during the paperwork. They then told me to pay out of pocket for the insurance to prevent it from lapsing. They told me they'd initiate an " escrow review '' so I could receive money from my escrow account that I'd now paid out of pocket. It is now 3 months later ( XX/XX/XXXX ) and I have called back twice to check the status. Each time they mark it as complete, show an overage on the balance, and take no further action. Those are the direct notes that were read back to me from their representatives. 

XX/XX/XXXX - MWF ordered and cancelled insurance on my behalf for the hazard insurance they failed to pay. 

XX/XX/XXXX - MWF put the wrong dates in for my hazard insurance ( expiring in XXXX instead of XXXX ) and sent me another notice that they'd be purchasing insurance on my behalf. 

I have spent close to 8 hours on the phone trying to clean up the mess MWF has caused my accounts due to their terrible mortgage management structure. The representatives have all been very courteous and ( seemingly ) helpful on the phone, but nothing has been taken care of since these issues started arising. It is a perpetual game of " check in with us in 10 days '', only to find nothing has been done.
Consumer complaint received 2022-10-11
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. (SC)

There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.