davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-02
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. (MO)

My car has never been late or in repossession status with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, sent me a letter after doing an investigation on my automobile account. I was told by Experian Credit Reporting Agency, to  send in the letter to have the account updated. So I overnighted the letter to Experian Credit Reporting Agency to have the information corrected. At that time Experian and I got on the phone with XXXXXXXX XXXX XXXX XXXX to verify the letter. XXXX XXXX XXXX XXXX verified the letter that it was valid. But, Experian to date has not removed the inaccurate information from my report. Please help me, I am trying to close on my home, but ca n't because Experian has not removed the inaccurate information from my report.
Consumer complaint received 2022-07-07
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. (GA)

XXXX is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have XXXX to delete the
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All of the accounts and inquiries listed below are fraudulent and were opened without my consent. 

XXXX XXXX XXXX Account # XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is the second complaint. 
We have been trying to resolve this issue since XX/XX/2021. 
Til this day we have not received some documents they said they sent out in XXXX. 
Today XXXX XXXX I called and said they have not yet sent out any documents. 
They have to review AGAIN. This has been back and fourth since XXXX. 
On XXXX XXXX We made the first payment after modification to be held in suspense account. So it can count as first payment well now they said to not make the payment until the papers come in. WE NEED TO RESOLVE THIS ISSUE ASAP IT IS AFFECTING EVERYTHING. WE ARE TRYING TO BE OUT OF THE FORECLOSURE AND CONTINUE PAYING OUR MORTGAGE REGULARLY. 

this is ridiculous
Consumer complaint received 2021-06-15
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. (MS)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (OH)

XX/XX/2019 XXXX. iI have repeatedly tried to resolve this with letters and phone calls. First to Ally finanancial then to XXXX XXXX. They send me a letter that states all obligations have been satisfied but then say i owe XXXX. When I call and tell them to look at the statement they agree I paid then send me a collection letter the next month. This has been going on for 3 years. IT is stressful having to deal with this> These companies are so big that nobody knows whats going on. When i would call Ally financial and ask how i could owe this money there response would always be> we do not know our system does not show that. Well how could they send me a bill then. Especially when i have a letter from them saying my obligations have been satisfied.
Consumer complaint received 2019-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (AZ)

Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency. 
XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.
Consumer complaint received 2019-06-22
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)

These following accounts are not mine but when I disputed them transunion did not do a proper investigation and notify me in the time allotted. But they deleted the investigation from the online portion of their website so I could not access it very deceptive. 

DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (MD)

I received a letter from MRS for the XXXX XXXX Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

XX/XX/XXXX I asked over the phone talking to a person for all withdrawals from our escrow account. The lady said it would be XXXX hrs. Its been 7 days and still havent received anything. When we refinanced in XXXX our closing costs covered {$1200.00} for taxes. Our mortgage company then withdrew the full amount of summer taxes for {$2300.00} from our escrow XX/XX/XXXX. They withdrew {$1000.00} for winter XXXX taxes in XX/XX/XXXX. They owe us a credit of {$1000.00} to our escrow. 
Im not going to tolerate this behavior from any financial company, especially when they gave me all the information to notice this mistake on their end.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (NM)

I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.
Consumer complaint received 2022-07-07
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)

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX  Account # : 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 2022-07-07
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX  Account # : 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 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.
Consumer complaint received 2022-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XXXX trying to fix errors and information that can not be verified by CRA, Major problem in communicating, obtaining records from furnisher SEE ATTACHMENTS Furnisher re-aging account, failure to provide proof of documents requested via email and CRA continues XXXX verified as " accurate '' then modifies and removes data replaced by Xs which resulted in an INCOMPLETE tradeline with unverifiable 1st date of delinquency and incorrect estimated date that will stay on record. 
FINDINGS OF VIOLATIONS FOR FURNISHER AND CRA AS FOLLOWS : FCRA SECT 605 ( c ) ) 1 FCRA Sect 623 ) 5 ) ( A ) FCRA Sect 609 ( a ) ( 1 ) FCRA Sect 623 ( b ) ( 1 ) FCRA Sect 623 ( b ) ( 2 ) FCRA Sect 611 ( a ) ( 1 ) Furnisher rule 660.4 ( a ) ex-disposition related to payment status, date payment was made, payment amount FCRA Sect 623 ( a ) ( 7 ) ( G ) ( 1 ) 15 US COD 1611i ( 5 ) 15 US CODE 1681e ( b ) FCRA Sect 623 ( a ) ( 5 ) " ..comemencement of the delinquency ... '' as the first payment and not some other later date that would further extend the period. 
Fed Reg IRS Code 166 ... '' creditors in the United Syayes must charge off revolving credit cards at 180n days.. '' Policy : Uniform Retail Credit Classification and Account Mgmt XXXX policy " 180 days charge off '' re-aging only allowed once 12 los if consumer makes a payment. 
15 US Code 1665d- ( c ) ... '' cost incurred by the creditor from such omission or violation ' '' Original bal due reports vs charge off 3x higher. Abusive, still no access to any records to verify any of the information reported by the furnisher and CRA failed 3x and conintues to report. SEE ATTACHMENTS
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Timothy M. Sullivan (OH)

I am filing a complaint due to continuous ( XXXX ) XXXX and HS FINANCIAL GROUP LLC case # : 2019 XXXX XXXX have been calling, harassing, and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.
Consumer complaint received 2022-07-07
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 and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a savings and checking account in mid XX/XX/XXXX. The terms of the deal I opened the accounts under was that {$15000.00} in new funds needed to be deposited within in the accounts and maintained for 60 days at which point a {$400.00} bonus would be paid by Citi. I funded the accounts with over 15k and have never removed any money so the accounts as they currently stand still have over 15k in them. 

I helped my parent 's open accounts under the same terms and they received their bonus a couple months ago. Just as a note I do not live at the same address as my parents nor do we have any co-mingled funds if that matters. After waiting the full length of the advertised period that Citi has to fund the bonus and having not received the bonus I contacted customer service via chat. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat and was told that the bonus will post no later than XX/XX/XXXX. The bonus did not arrive by the XXXX. 

On XX/XX/XXXX I chatted with XXXX via secure Citi chat who said that the bonus should have arrived that week. It did not and so he opened an investigation case stating that the case can take up to 5 business days to be resolved. 

It is currently XX/XX/XXXX and I have not received the bonus or any further information from Citi even though the 5 business days is long since passed. 

I understand that delays can occur and am simply looking to receive the bonus earned, but have had no progress from working with the company directly.
Consumer complaint received 2021-06-15
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {XXXX} -This is not my account.
Consumer complaint received 2022-09-26
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)

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, 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 : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} XXXX OF XXXX XXXX Balance : {$48000.00}