davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (VA)

I am a rushcard customer, have not been able to have any access to my money in 16 days. When calling somtimes i get hung up on. other times the represenitives have the same excuses. Cant tell me whats going on or what the problem is or when it will be settled.The company wont even give any other opitions to recieve the funds.
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.
Consumer complaint received 2022-05-19
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've contacted XXXX XXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2022-05-19
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)

I've contacted XXXX XXXX  & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX : {$8200.00}
Consumer complaint received 2023-06-02
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. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2022-05-19
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. (TX)

In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Information Bureau, Inc. (CT)

i had XXXX in XXXX. In about 4yrs. later this company said to me we forgot to charge you this amount. I do not. Anyway i wish i could just call someone years later and say to them, buy the way you owe me money. know pay me. please get this off my credit debt. This will never get paid by me plus they have no right to do this. it has been on my report for many years now. I am XXXX. old now and do not care anymore with my XXXX XXXX.
Consumer complaint received 2023-06-02
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

On XX/XX/2022 we made a payment to our Capital One credit card in the amount of {$1500.00}. On XX/XX/XXXX Capital One restricted my account and flagged it as fraud. We sent documents as requested, three times, and spoke to a rep multiple times. Our account is still restricted on this date of XX/XX/XXXX and they are again asking for the same bank statements I have already sent. We wanted to pay this card off before XXXX and have been treated horribly by this company as they continue to say it's fraud.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

While going thru XXXX XXXX  my son in law stole my card and charged around XXXX. To play a XXXX game from XX/XX/XXXX thru XX/XX/XXXX. I am XXXX and live on social security only. Had XXXX XXXX XXXX and big XXXX XXXX with XXXX inch incision. I would never authorize these charges. I contacted citi bank and first they took charges off but now say I am responsible to pay the charges.
Consumer complaint received 2024-03-11
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. (AZ)

XXXX XXXX XXXX I received reports of new hard inquiries from XXXX credit bureaus and subsequently applied for a XXXX  XXXX credit card without my authorization, I never authorized these and submitted my credit report and related evidence ( including a police report ) for investigation as requested by customer service, I requested that the hard inquiries be removed from my record but XXXX  XXXX denied my request. However, my credit report shows that a XXXX XXXX account was added to my name on XX/XX/25 and then removed on XXXX, ostensibly they somehow acknowledged the problem and acted, however, they did not indicate this in their response letter. Hard queries are never removed. There seems to be something offensive about this behavior.
Consumer complaint received 2023-06-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I purchased gas for {$37.00}. The XXXX showed on my credit card but 14 other purchases amounting to {$1300.00} showed on my Bank of America credit card as well from the merchant. I disputed charges with the Bank of America fraud department on XX/XX/XXXX. But, Bank of America put all the charges back on XX/XX/XXXX stating that the card was used for all the transactions. Unsure why Bank of America didn't accept the dispute given it doesn't make sense that an individual will conduct 15 different gas transactions at the same time. I have contacted the Bank numerous times accumulating hours on hold and the charges have not been resolved to date ( XX/XX/XXXX ). The few times I was able to get an actual person in the fraud department, the fraud department person tells me it's a billing issue and thus I was transferred back to the main number again sitting and waiting on hold to speak with someone in the billing department. XXXX calls and have spoken with several different individuals including managers and to date only 3 of the charges have been resolved by using their online tool which I initially used in the beginning but the tool is limited to disputing 3 issues and I have 15. When I tried to add additionally to be disputed by their online tool, I got a message stating that I need to call the bank to do more. We are now in XXXX and the charges have not been removed. My last call to the bank 's billing department was on the XXXX of XXXX. I spoke with someone. We went through each charge one-by-one and I was told they will be removed. Unfortunately, there were not and now I have received a letter requesting additional information in order for charges to be removed. This is a never ending loop and I am exhausted dealing with Bank of America.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX has stated they do not correct any issues that are reported on credit report.
Consumer complaint received 2022-05-19
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. (NY)

I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-19
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've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXXXXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IA)

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX   ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX  ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Consumer complaint received 2015-09-23
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Suttell, Hammer & White, P.S (AZ)

I am copying the complaint I made against XXXX XXXX Bank here, as it is the same complaint I 'm filing against Suttell and Associates P.S. Attorneys at Law. 

I became permanently XXXX with XXXX in XXXX. I received a notice of intent to foreclose from XXXX in XXXX, XXXX. I vacated the house in XXXX, XXXX, after filing for Chapter XXXX bankruptcy. The bankruptcy was discharged in XXXX, XXXX. In XXXX Bank XXXX XXXX took over the mortgage, which still was not foreclosed. I continued to pay homeowner 's insurance through XXXX XXXX Insurance until XXXX, XXXX, when XXXX XXXX Insurance cancelled my insurance because the house was not occupied. My annual insurance premium was approximately {$500.00}. I had been a customer of XXXX XXXX Insurance since XXXX. Bank XXXX XXXX acquired homeowner 's insurance for the house from XXXX XXXX Bank, at an annual premium that was over {$3200.00} annually. The insurance premium was applied to the escrow account on the house at {$850.00} quarterly. The bank did not foreclose. I started the process for a short sale in XXXX, XXXX. Shortly after that, Bank XXXX XXXX sold the mortgage to XXXX Bank, serviced by XXXX XXXX. The short sale was still in process by the following XXXX, XXXX. The title company working with XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, discovered that XXXX XXXX Bank had applied a lien for over {$11000.00} to the mortgage -- a personal lien in my name. They discovered that XXXX XXXX Bank had also applied an item labeled a charge card to my bankruptcy records for the exact same amount. I never had a credit card with XXXX XXXX Bank. The items added to the bankruptcy record had n't been on the original paperwork. I was never notified about the lien. The only lien on the mortgage was for several years of utility bills for the house I had vacated, expecting foreclosure. There was a second item related to XXXX XXXX Bank on the altered bankruptcy record for XXXX P.S. Attorneys at Law for XXXX XXXX Bank. There is only the firm name on the record, with a XXXX amount owed. The same amount as the lien is entered on the line above as a XXXX XXXX Bank charge card. I do n't know whether the {$11000.00} is for attorney fees or what, but I do know it was applied retroactively to a bankruptcy already discharged and also applied as a lien to the mortgage, which Bank XXXX XXXX has sold to XXXX Bank. The short sale failed, as a result of the buyer being unwilling to pay the lien amount and, also, because XXXX XXXX bank decided to offer the house on an online auction to see if they could get a better offer. I was never notified about the lien, which was applied in XXXX to a bankruptcy discharged in XXXX. I will be filing a complaint against Suttell and Associates. These complaints joint the XXXX already filed against XXXX XXXX and Bank XXXX XXXX. XXXX other note is that, when I asked Bank XXXX XXXX to help me with this issue, I was told they are not a party to this transaction ; that I would need to file a complaint against XXXX XXXX Bank.
Consumer complaint received 2023-06-02
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. (FL)

I submitted a letter to the Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone has gained access to my personal information.I noticed the fraudulent activity started a few weeks after I moved from one place to another. I recently checked my credit report and saw unfamiliar activity from three different companies. ( XXXX XXXX - XXXX  ), ( XXXX ) & ( XXXX XXXX ). 

ATTACHMENTS
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

From the beginning of the pandemic we asked for help. We originally had a loan modification with this company that we asked to be extended because of the pandemic. We actually got XXXX involved but they seemed not to be able to help. We were given a pandemic forebearance where we were told that either we did not have to pay anything or pay what we could. We chose the latter. It was needed because as a XXXX, my wife 's hours had been cut and as a coach and aide my season was cut out and our XXXX building was closed. 
With the pandemic starting to wane, my wife will be getting a raise, and my season is on and once I recover from an incident that was life threatening, I can get back in to the building. I also understand that the company in question settled a lawsuit with my state ( CONNECTICUT ) and others.