davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX  XXXX  XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-05-31
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (MA)

I've sent dispute letters to Barclays on 2 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for at Barclays on XX/XX/2021, XX/XX/2021. I have obtained receipts that the USPS Certified Mail was delivered and signed for. The reason is for a dispute is I haven't heard any response from Barclays about my inquiry / complaint and also on my Credit Reports and they have not marked my Credit Reports with any remarks stating that the reporting is being disputed within the 30 days of the letters being received and signed for. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending valid verification, it needs to be removed from my Credit Reports. Thank You,
Consumer complaint received 2021-07-23
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. (CA)

I am a victim of Identity Theft. I notice on my credit report that there was a collection for XXXX XXXX in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to XXXX XXXX and it still showing on my credit report. WHY???? 
I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit
Consumer complaint received 2019-07-29
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. (CA)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Consumer complaint received 2022-08-26
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: SLM CORPORATION (FL)

I have been in school and I am still currently in school. However, SALLIE MAE has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX from XXXX for my XXXX XXXX XXXX for my XXXX XXXX, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

This debt was deleted from my credit report a year ago. I started receiving calls several times a day from " Paramount Recovery '' I finally answered them, and they verified my name, ask about a this debt in which I told them it had been resolved. I never received a letter from this Co.! Within 60 days it was reported and put back on my credit report. They continue to call just to hang up on me upon answering... But, never say anything, after reporting this to credit bureau in which dropped my score XXXX  XXXX. This is the ONLY derogatory on my credit report and has messed me up. I need to know how to go about getting this taken off. I was never notified by this Co. By mail.
Consumer complaint received 2019-07-29
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. (CA)

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following account XXXX/DOFED XXXX - student loan is in deferment status, it is not aid late. None of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my accounts
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

My Delta SkyMiles Card was approved on XX/XX/XXXX, and I had enrolled in this card to take advantage of promotional offer of XXXX bonus miles during first 3 months of account opening. I am however not able to confirm minimum spend, current offer is {$1000.00} during first 3 months of account opening. 

After a spend of {$5300.00} during XX/XX/XXXX itself, I had contacted AMEX in XXXX for my bonus miles. However, they are unable to attach a promotional offer to my credit card application and informed they will not be able to disburse promotional bonus miles of XXXX. 

1. AMEX Delta Skymiles Card Approval Email. 
2. XX/XX/XXXX Statement. 
3. Current Delta Skymiles Gold Bonus Offer.
Consumer complaint received 2022-08-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I am writing in reference to the relationship manager response to my application for applying for assistance for my home. The response the relationship manager gave me was my modification was denied. I have been communicating with PHH but they refuse to send the information needed in order for the underwriters at Maryland Home Assistance Program to continue the process. This has been going on since the application was submitted in XXXX XXXX XXXX. All I want is to complete this process so I can go on with my life. Living everyday of not knowing the uncertain is very stressful. Please help with this issue I am really mentally drain.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I called Midland Funding on XX/XX/XXXX or XXXX to settle my debt. They were sending me to small claims court for {$1400.00}. When I called, I spoke with someone named XXXX XXXX and he told me that the only way he would negotiate my debt would be if I answered his questions. He wanted to know how much my mortgage payment was and my car payment and how much money I make and how much all my bills were and when I refused he said he wouldnt talk to me if I didnt give him that information. Then he told me that he would negotiate my debt down to {$1200.00} if I paid that amount by XX/XX/XXXX. He wanted me to give him my account information over the phone and I told him I would use the website and he kept trying to get me to pay over the phone but I refused. I then paid the {$1200.00} on Friday XX/XX/XXXX. The website said I still owed {$140.00} even though XXXX said my debt would be settled at {$1200.00}. He also told me he would send me confirmation in the mail which never came. Today I received a notification from XXXX XXXX saying Midland has increased the amount I still owe from {$140.00} to {$440.00}. This should be against the law because at this point they are asking for more money than I even owe. Not to mention the fact that I never entered into any agreement with this company in the first place. They are a third party agency. They also reported this information to XXXX and XXXX.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/XXXX
Consumer complaint received 2021-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (CA)

I am submitting this complaint because I am being extremely affected by NATIONSTAR MORTGAGE LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was a victim of mail fraud and local XXXX police has arrested someone for the crime, my mail was being stolen for over 2 months, including my bank statements and mortgage statements, Also the website for Mr. Cooper has been malfunctioning and locking me out, didnt show if payment was due and I had setup auto pay numerous times by phone and online and they kept on not being able to set it up for me. 

My Account is : XXXX XXXX XXXX. 

I am requesting removal of late from all credit report. 

Please see the attached document.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX I # 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
Consumer complaint received 2022-01-12
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. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (IA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2021, as of XXXX am I had accidentally gotten a TransUnion subscription when trying to get information about my credit score. I found out when TransUnion sent me an order confirmation via email charging me {$1.00} for the credit score and another {$24.00} for the subscription. Panicked, since I didn't intend to spend money, I unsuscribed. However, the website told me that my data would be unprotected so I made an account with XXXX. However, I instantly regretted that decision and tried to get my account cancelled, even using the number on the website : XXXX when the website clearly made account termination impossible. I called to cancel my XXXX account. I was directed to customer service and was requested to give information on my name and social security number. I was told my account was canceled and I would get an email confirmation in 15 minutes. However, 15 minutes after XXXX XXXX, which is when I ended the call, I had received no such email. Even now, I haven't received it. Considering the shadiness of those companies and that they have deceived me, I don't know if I will ever be able to cancel and delete my account by solely dealing with them so I am reaching out for help.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX XXXX XXXX XXXX XXXX, has some very strange and segregating policies when it come to allowing new people to join their bank. 

I applied and they denied my drivers license/water bill/ electric bill for being fuzzy, or other documents based on their police that every supplied documents must be clear, regardless of if they can be read. 
I received this below letter about 6 times from XXXX XXXX. I called to complain about XXXX XXXX, and then they denied my application saying CHECK SYSTEM a consumer reporting company said I had negative items in my file. Check Systems has old outdated information on file form 5 years ago. I have no missed payments to Banks, and I have paid off most of my late credit cards or store cards when I was laid off from work. 

Dear XXXX XXXX, Our review of your application indicates that we can not accept some of the documentation or information you provided. 

Please provide the following : Kindly note, please provide an alternate utility bill such as an internet bill or gas bill. 

To see the documents/information in question and to upload corrected versions : Go to the membership application : https : XXXX XXXX continue existing application Use the application ID we emailed to you when you started the process to view your application. 

If you have misplaced your ID, click on the application retrieval link in the Application ID field and complete the required information. 

Your ID will be emailed to you. Once you enter your ID, you will be taken directly to the document section of the application. 

For further assistance and any general questions, please contact XXXX XXXX XXXX at telephone XXXX, fax XXXX or XXXX. 

Thank you for choosing XXXX as your financial institution. 

Sincerely, Membership Support Processor II Retail Services ( T ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, We regret to inform you that your membership application has been declined due to information obtained from ChexSystems , Inc. ChexSystems did not make this decision and is unable to supply specific reasons why we have denied your request. 

You have rights under state and federal laws, including the right to : Obtain a free copy of your report if you make a request to ChexSystems within 60 days of receiving this notice. 
Dispute any inaccurate or incomplete information contained in your consumer report with ChexSystems. 

You may contact ChexSystems by using the contact information below : Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXX Web : www.chexsystems.com
Consumer complaint received 2022-08-17
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)

On XX/XX/XXXX I was alerted that my XXXX credit account reported to Equifax as a 30 day late. I was not 30 days late at all and this report to my credit bureaus lowered my scores severely. 
When I called XXXX they first claimed it was correct then after reaching out to the CEO of XXXX he looked into the problem and they fixed the late but its still showing 30 days and reporting low points. A See when derogatory hits the credit it takes a huge point away but when hood gets back on its very little points added back.
Consumer complaint received 2019-07-29
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. (NV)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX  XXXX****, XXXX XXXX XXXX XXXX** XXXX XXXX XXXX****
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from XXXX and Transunion basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the XXXX language why my credit score has dropped that huge amount. Have reviewed credit report that Transunion sent and it has not changed. XXXX did not even send credit report to review. This is ridiculous. I complain. I want an answer.
Consumer complaint received 2019-07-29
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. (NV)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX