davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

Let me explain how Chase bank de-frauded me out of money and ruined my closing of a home. I closed on my home in NY on XXXX. After the closing, I deposited the checks which all but 1 were cashier 's or certified. We were promised our money would be available XX/XX/12 for the majority of the money but 1 check would need to be held until the XXXX. Our closing in NC was the XXXX so when I went to Chase to have the funds wired for our closing I was informed by the branch employee that there was a restriction on the account until ALL of the checks had cleared. 
That was NOT what we were told at the time of the deposit. That was NOT what we were told repeatedly on the phone and in person. Chase wouldn't even write a letter for the sellers showing that it was not us who prevented the sale of the house. There is no reason all checks need to be held up if you cleared all but 1. Typical shady company
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

2 accounts for the same company were paid in full and closed are showing on all 3 credit bureaus as open and delinquent. I disputed online with all 3 bureaus and I also disputed via telephone with all 3 bureaus as well as sent in proof of payment on several occasions. The account was sold and I also disputed with the 3rd party. 

Both accounts were paid in full and closed on XX/XX/XXXX. 

These accounts were sold and placed in all 3 credit bureaus as negative and open on XX/XX/XXXX and XX/XX/XXXX and both are still showing on my reports which are affecting a home purchase by lowering my credit scores.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solomon and Solomon, P.C. (NY)

Solomon and Solomon are trying to collect on a debt that is closed. The debt is an old XXXX bill from 2014. XXXX is showing account closed and XXXX does not show it at all. XXXX, on the other hand is showing an open collection. I did try to disputed this with them and got nowhere. There showing an outstanding collections balance of {$2000.00} which is affecting my credit score as Im trying to rebuild it to buy a house. This account should be updated on my XXXX cbr as well.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received collection calls about a XXXX debt from Midland Funding / Midland Credit for about {$1300.00}. I told the person at the time that I don't know a XXXX  debt, that I don't have any credit card debt for that amount, that I have been dealing with stolen Identity and requested proof of debt. 

They told me they purchased the debt and said they would note my account as disbuted, I have never received any documentation. To date I still don't have details. 

In the meantime, I have since found out that my identity was stolen from an anesthesiologist office prior to 2016 and am now a monitoring member of the class action A week ago I was served with a summons that I am being sued for said debt in XXXX county. Today I contacted Midland about the suit and they confirmed that the account is listed as and currently disputed and gave me the Attorney 's office number which I contacted and also explained above, he said he will note the account as disputed, when I asked what it meant for the law suit he just said he couldn't give me legal advise. So tomorrow morning I have to go to the courthouse to file a response over something that was disputed and never substantiated. 

The person I spoke to at Midland today confirming the account is listed as disputed is XXXX XXXX and the person at the attorney 's office was XXXX
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Williams & Fudge, Inc (MI)

I have been trying to get this debt paid. I owe XXXX approx 10,000 $ for tuition and a Perkins loan. I tried to find a way to pay them and made several payments. They knew I was struggling. I contacted them several times about it. They gave my information to Williams and Fudge, who told me that I owe XXXX. I told them this was the wrong amount and they continued to call me, email me, all hours. They called my family. They told me that I signed the note and that the interest is being compounded DAILY. They threatened me. All I want is to get on a payment plan to reasonably pay back the amount I borrowed. But XXXX in fees is insane. XXXX also won't give me my transcripts so I can find a job in my field until the total amount is paid. I don't know what to do. They tried to force me to consolidate my loan and begin payments right away, even though my loans are in forbearance. The PDF with my name on it was filled out by them. They have my address wrong, because THEY filled it out, not me. without my knowledge. I have asked over and over for an itemized receipt for the exorbitant fees. They said that is what XXXX handed over to them. THIS WAS A COMPLETE LIE.
Consumer complaint received 2023-03-23
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. (OH)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX attempted to collect a Debt from Creditor XXXX for {$86.00} On XX/XX/2019 I sent a letter notifying them of the invalid information for charges that XXXX has inadvertently sent after service ended. This dispute was resolved with XXXX and I have had ongoing service with them to date. I submitted a dispute with all three credit bureaus. I won the dispute and the item was deleted from my credit report. XXXX XXXX acknowledged this decision and sent a letter stating that the debt will not be re-reported to the credit reporting agencies by XXXX. XXXX. XXXX. XXXX has now changed the reference number to make it appear like a new claim, violating their mailed statement on XX/XX/ and reported it to Equifax. 

I believe they should be sanctioned.
Consumer complaint received 2019-05-24
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these  accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
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. (KS)

" Starting in XXXX, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports ''. 

I have medical debt that less than {$500.00} and is being reported on my credit. After submitting 2 disputes it is still being reported and they are refusing to remove it. It was removed one time and then put right back on. 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX This was also put on my credit 4 months after the date of service and not 6 months as per guidelines.
Consumer complaint received 2023-06-14
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-04-09
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. (MO)

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX CR {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX  {$640.00}, XXXX XXXX {$210.00}, XXXX XXXXXXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Consumer complaint received 2024-02-28
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The XXXX XXXX XXXX product by Transunion is a EXCELLENT credit monitoring product for me. For several days now, Transunion has SUSPENDED [ LOCKED ME OUT ] from usage of my XXXX  Account ( SEE ATTACHED ). I have tried calling Transunion about the problem, but have not received any assistance.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MRS BPO, LLC (TX)

I changed cable service with XXXX XXXX XXXX, staying with the company as a provider but changing from XXXX XXXX XXXX XXXX XXXX XXXX. I returned the modem to the company and received an email confirming receipt. I contacted both XXXX XXXX XXXX as well as the collection agency that processed the action, MRS BPO ; providing both companies the email showing that they received the device ( serial number was on the email ). Both agencies never responded and continued to treat this as a debt. I paid them the {$320.00}, in an attempt to resolve the issue and keep it off my credit report. They refused to remove it from my report. 

I filed a dispute using XXXX, XXXX, XXXX ; but the item remains. I did the right thing and used every available remedy to resolve this situation. I do not understand why it remains on my report and why I can not get this removed. There should be a remedy for this type of activity, it is unfair to the consumer that there are no protections when you are trying to do the right thing.
Consumer complaint received 2019-10-05
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: CORELOGIC INC (FL)

On XX/XX/2019 I received an alert on my credit report at work that there was a hard pull done on my credit report. When I left work I investigated immediately found the credit agency that did it called them got the actual company that requested the credit report contacted them. They and for me that my husband was looking to finance a dump truck through them for his business and since I wasn't owner on the business that they had to pull my credit as well. I never spoke to these people gave anyone permission to pull credit nor do I have any interest and financing any dump truck. When I ask them for assistance with having the inquiry deleted from my credit report they told me it is impossible. I contacted the credit agency they said that it can be deleted through an investigation but in order to start the investigation I need a letter from the company eat that requested my credit report stating that it was never authorized by me to have them pull my credit. They refuse to help me in any way and their suggestion is that quote I have a word with my husband. I will be forwarding their emails in response to my concerns.
Consumer complaint received 2023-06-14
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. (MI)

On XX/XX/2023 All 3 credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

XXXX & XXXX Inaccurate Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX Equifax Inaccurate Inquiries : XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc. (OH)

Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : DISPUTE : Nationstar/Mr. Cooper : Not disclosing accurate ( facts ) pertaining to ( my ) Mortgage Payoff ( to ) XXXX, XXXX etc. 

1. My attorney and his recommended Title Company closed on my house on XX/XX/XXXX It WAS NOT a : XXXX   # ( J. ) VOLUNTARY SURRENDER! As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc. 

2. OHIO LAW ALLOWS MY RIGHT TO SELL MY HOUSE I chose to sell my home IT WAS NEVER a XXXX  # ( K. ) REPOSSED. As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

3. The Payoff ( to ) the Mortgage Co. was {$180000.00} resulting from THEIR itemized List of added expenses! ( NOT ) only the principle amount of {$160000.00} but a PAYOFF TOTAL {$180000.00} ... Therefore it WAS NEVER XXXX # ( L. ) a Charge Off. ( misrepresented ) by Nationstar/Mr. Cooper : ( to ) XXXX, XXXX   etc.

4. Obstructing my ability to become current by NOT allowing me to make payments from XX/XX/XXXX to XX/XX/XXXX during their foreclosure filing.

That period of Not Accepting payments Needs to be WORDED by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

The Mortgage Company : Nationstar / Mr. Cooper XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone XXXX Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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. (GA)

I paid off my XXXX XXXX auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My Transunion FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, XXXX, and Transunion are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.
Consumer complaint received 2019-10-05
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: SYNCHRONY FINANCIAL (TX)

I am a victim of Identity theft notice my social security number was use to obtain a credit card from old navy on XX/XX/2019. I am in contact with all 3 credit bureaus to try to remove the inquiry and I have also tried to resolve with Synchronizy Bank.
Consumer complaint received 2019-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Equifax, today, XX/XX/XXXX and previously online through other apps and directly with them within the past few months. Last year I had XXXX ( XX/XX/XXXX ). The services for one provider went erroneously to collections in XX/XX/XXXX. I work for the XXXX of Colorado and am fully insured. I had a follow-up XXXX in XX/XX/XXXX. Meanwhile insurance has been processing, etc. everything has been paid and I paid any difference. In XXXX I got a collections bill from XXXX XXXX  on behalf of XXXX XXXX of Colorado. I inquired with XXXX XXXX and was informed of a zero balance. So, I thought this was a scam ( XXXX XXXX after all sounds like a cartoon! I'm not paying ). I ended up overpaying XXXX XXXX directly and by XXXX I was reimbursed, yet XXXX continued to hound me for payment. Subsequently, since I won't send XXXX money they have reported me to the credit agencies and Equifax will not process my dispute! I have tried numerous times to dispute the error on my account and can not get past the first page essentially. Please take care of this!!