davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (NV)

Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (GA)

I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report immediately.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a complaint addressed to the Credit Bureaus requesting that the Credit Bureaus correct and or remove the disputed accounts from my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information that are still being reported on my Credit File despite my multiple attempts to dispute these information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them once the Credit Bureaus do not comply with my requests in accordance with the FCRA regulation. This was already included in my prior COMPLAINTS, and I'm including it again. Under the FCRA, please investigate the following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I ordered stereo from XXXX XXXX and had it finance through XXXX. I did not receive the item and XXXX XXXX told me they reached out to carrier ( XXXX ), and they show delivered and there's nothing can do. I reached out to the finance copany and they said XXXXXXXX XXXX shows its delivered they can not override it but there putting it on my Credit report. XXXX XXXX will not return my calls or emails. XXXX asked me to reach out to XXXX the carrier who delivered, I did and because they didn't tell me to do this unit il after XXXX deadline they can not open a dispute. XXXX emailed me proving I called and said XXXXXXXX XXXX has never reached out to them to start a dispute of where the item was.
Consumer complaint received 2024-03-09
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

I reached out about a month ago to Chase bank to apply SCRA ( Service Member Civil Relief Act ) benefits to my account in order to reduce the interest rate and credit back interest paid and any late fees dating back to XX/XX/2023. 

The Bank refuses to do so or recognize my military service and is the only bank I have reached out to that refused to apply the benefit after I provided proof that I joined a new branch of the military. 

The SCRA States " The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. ''
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV, XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Contacted Navient concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. Navient also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NC)

I filed bankruptcy in XXXX. My mortgage with Wells Fargo was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from Wells Fargo and a Certificate of Satisfaction letter for this loan. 
Wells Fargo, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( {$130000.00} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.
Consumer complaint received 2021-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

Regular monthly payments on this loan are due on the first of each month and typically made on the last day of the prior month. When I send in extra principal amounts between payments, I expect the principal to be applied on the amortization schedule between the payments it is actually sent between. Instead, PHFA suspends and reorders payments so as to increase the amount of interest charged. The amount of the difference is regularly less than the value of the hours of effort required to get this corrected on my individual account, but the Agency should not be allowed to do that.
Consumer complaint received 2022-10-25
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX Accounts : 1. XXXX XXXX XX/XX/XXXX {$0.00} 2. XXXX XXXX  XXXX XX/XX/XXXX {$4800.00}
Consumer complaint received 2022-04-11
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. (CA)

Equifax refuse too release my credit report and score they have successfully verified me through there identity verification system I sent copy of my ca drivers license and birth certificate and social security and W2 and pay stubs they still won't release my credit report there in violation of XXXX credit report
Consumer complaint received 2021-05-15
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. (FL)

Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with XXXX XXXX due to the inaccurate and derogatory item on my consumer report. On XX/XX/2021 I sent a letter out to Experian, Equifax and Transunion notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Equifax removed this inaccurate reporting immediately, however, Transunion and Experian did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to XXXX XXXX that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (FL)

I recently moved from NJ to FL. I have been trying to get BB & T and now Truist bank to send my title over to the XXXX so that my car can be registered. I have faxed the document over 7 times and the XXXX  has twice as well. Every time I call to check its over an hour wait and they tell me they did not receive it. Today they did send me a copy of my title but are refusing to release the original to FL or to send a letter on letterhead that FL needs per FL statute. My homestead is now in jeopardy because of this issue. I either need them to release my original title to FL XXXX  so it can be changed to a FL title or send them the letter on letterhead advising that they have a current lien on the car with the make model year and VIN number of the car.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I was scheduled to close on my refinance through Amerisave Mortgage on XXXX XXXX, 2021. The closing agent never showed up. The loan officer was unable to find another closing agent but assured me he would eventually and that I would not lose my rate lock. Later in XXXX I learned that they did in fact lose my rate lock and the interest rate had increased. They offered to proceed with the loan at the higher rate or refund my {$500.00} application fee. I opted to terminate the loan with Amerisave because I could no longer trust their word and asked for a refund on XX/XX/XXXX. I was told it may take up to 2 weeks to process the refund. 
It has now been 6 weeks and no refund.
Consumer complaint received 2021-05-15
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: Commonwealth Financial Systems, Inc. (MO)

I have several medical bills showing on my credit report and I turned in my XXXX XXXX number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.
Consumer complaint received 2024-03-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-11
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. (VT)

A credit card account was opened without my knowledge or consent. I was able to get the credit card company to close the account, but evidently, there was a {$40.00} annual fee on the card and the company reported a missed payment to TransUnion, which dropped my credit score by XXXX points. In addition, the " late fees '' have increased the annual fee on the card to {$81.00}. 

The credit card company is XXXX ( contact information below ). I have called their customer service line four times now with no resolution. I have filed two disputes with TransUnion also with no information other than that TransUnion finds the account to be valid. 

I have also called XXXX XXXX Bank and they were not able to help because they say that XXXX is one of their " digital partners '' with whom they do not deal directly in cases of fraud. 

I do not know what the account number of the credit card is, because I never received a card, nor have I received any account information from Prosper either electronically or via the US mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-15
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. (TX)

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} XXXX
Consumer complaint received 2020-12-22
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. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-01-26
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. (GA)

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.