davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I noticed a debt from Wakefield and Associates for {$2100.00} on XXXX and {$2200.00} on XXXX both for the original creditor name of XXXX XXXX XXXX XXXX. I called the original creditor and they stated they had no record with the dates on my credit report. I contacted the debt collectors via telephone today and they stated my balance was XXXX. I asked about the difference in the balance and they stated that they are charging interest on the debt. I believe this is a fraudulent debt and they are reporting several inaccuracies between the 3 credit bureaus.
Consumer complaint received 2022-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

I have a incorrect amount from XXXX XXXX for {$92.00} and alrready paid I have a XXXX XXXX XXXX {$520.00} and close this account. 
I have a XXXX XXXX XXXX for {$1300.00} and doesnt belong to me
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (IN)

There was a Consumer Credit Transaction with a credit card as defined under 15 USC 1601. The three credit bureau added this transaction on my credit report in which I disputed the matter and the 30 day investigation led to XXXX deleted off my credit report which a decrease of {$190000.00} and Experian and XXXX  fail to follow suit. This has cause great damage to my name as well as my credit score to be in the negative for the last past few years which has cause a set back in personal life with legal issues as well.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX   XXXX  XX/XX/XXXX {$6300.00}
Consumer complaint received 2022-09-27
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)

When I investigated my credit report, I realized that some of the accounts was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00}
Consumer complaint received 2021-07-24
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. (MA)

This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my report.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account
Consumer complaint received 2022-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX with no success. I have return REGISTERED MAIL receipts from the company. They have not responded with the information requested. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract for a consent between Transunion and I the Consumer REMOVE XXXX XXXX! As I am in the process of seeking Legal action. This must stop!
Consumer complaint received 2019-04-05
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. (PA)

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX at XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (OK)

XX/XX/2019 American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX American Express notified me that I have been declined the XXXX XXXX XXXX American Express Card because I have the maximum number and type of American Express Card accounts that you allow. 

I currently have 3 cards issued to me under their brand and I am aware of numerous people that have more that 3 cards. I have : Amex XXXX Platinum ( Corporate Card ) Paid in full monthly Amex Everyday Card Open and unused with payment in full monthly Amex Platinum Delta Skymiles Paid in full monthly
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I am having an issue with Ocwen. We requested a short sale and sent a complete package and Ocwen acknowledged receipt of the package on XX/XX/XXXX. With a sale date of XX/XX/XXXX, the package was received prior to the 37 day deadline. Ocwen keeps asking for a rental certification ( the house is NOT rented ) We have repeatedly told them the house is not rented. Then they asked for a Social Security Awards letter. The homeowner has been getting social security for 25 years and does not get a " awards letter '', just a XXXX. We have sent this to Ocwen three times. They are just trying to delay so they can take the house to sale. They have unclean hands. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Ocwen verbally advised that they would review the buyer 's cash offer for closing before the foreclosure sale and also stated that they could request a postponement on the foreclosure, however have not done to to date. 
Also, the note was rescinded on XX/XX/XXXX and Ocwen is not honoring this recission.
Consumer complaint received 2020-12-21
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. (AL)

The unverified items listed still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, Experian, XXXX, and XXXX  stated in writing that they've verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.
Consumer complaint received 2021-05-13
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. (TX)

OnXX/XX/2021 I Sent a letter regarding inaccurate and unknown things on my credit report to this day its very frustrating to not receive a response back yet and its been well over 60 days. I feel like Im being taken advantage of and ignored of my disputes. Section 611 ( a ) it is plainly stated A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following inquiries 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 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 US SM BUS ADMIN ODA 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 2022-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as a Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX XXXX XXXX XXXX! As I am in the process of seeking legal action. This must stop!
Consumer complaint received 2022-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (GA)

In XXXX of XXXX XXXX XXXX flagged my credit with a medical debt from a hospital Ive never attended or heard of. I disputed the bill as fraud and contacted the collection agency. After about 2 months or less the debt was removed and i assumed removed as fraud. I filled a fraud complaint with the FTC and reported the issue to the police department. In XXXX of XXXX the debt was reported back on my credit credit through a company called XXXX. Ive reached out to XXXX about the debt however no one answered or returned my phone call. Ive disputed the debt several time this year, i also filled another claim with the FTC and the police. However the issue still isnt resolved.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my XXXX  well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2021, I was the victim of check fraud on a check written from my Chase Bank. Despite weeks of calling and emailing Chase, they have refused to confirm that they are investigating it having sent me several forms but continuing to tell me that the claim is " closed '' without any promised investigation. I have been stymied and lied to throughout this process by Chase. 

Here is a summary of my efforts just to talk to the fraud investigator : ( 1 ) In XXXX of 2021, I called to file a complaint as soon as I learned of the fraud. ( 2 ) Their website said to call. ( 3 ) When I called I was told that a complaint form could only be mailed to me, and then I should return it. ( 4 ) As soon as I received it, I completed the form, got a declaration from the intended payee that they did not receive it, then turned in the form and evidence by US Mail and Fax as instructed. ( 5 ) Since then, they have sent me two more form letters stating that they did not receive the form. ( 6 ) They have sent me a form letter stating that the claim was under investigation on XX/XX/XXXX, but then sent me the same form letter on XX/XX/XXXX stating that the claim was closed. ( 7 ) I called numerous persons, all of whom said they could not help me at all. I have no idea where the claim stands and no one will call me or explain what is going on.
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/PPC : Yes this account is closed per my request as I rarely used Paypal Credit . I am showing a late payment ; however, I sent them a report showing that I had Covid and they granted me to pay a week later, payment was made a week later and Paypal stated they would not affect my credit due to Covid. I NEED THIS LATE PAYMENT REMOVED IN XX/XX/21.
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (NC)

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number ****XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 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 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I recently reported to Chase Bank that I was scammed regarding two transfers. First of all, chase 's online claim customer service is very difficult to contact. I spoke to 3 or 4 customer representative to file one of my claim, but the wire transfer one took more than a week to get respond for just file a claim .Every time the reply from the chase is forwarded to another department but not the correct department for me to deal with. Every customer service is very irresponsible and says that they can't follow up. Second, the last one just said that the other party 's bank refused to return the funds and just perfunct me. This is a big scam Regarding XXXX  has huge loopholes and easier and accept fake platform transfer money. I transferred two times of money to XXXX. Without permission, The theft hack to the account and transferred the money to the fake platform called ava trade. XXXX XXXX XXXX XXXXXXXX I feel that Chase Bank treated my experience very unfairly and irresponsibly.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NV)

I recently became award that someone tried to fraudulently apply for 2 store credit cards with Comenity bank under my name. I reached out to Comenity via email on XX/XX/2022 and have not received a response. I have also tried reaching Comenity daily via phone since XX/XX/2022 however due to a continued " service outage '' have been unable to reach anyone. The one day I did get through to an operator they were unable to help. As a result of the fraudulent application I had 2 hard pulls of my credit report. I have placed a fraud alert on my credit and reached out to all of the reporting bureaus. XXXX has removed the pull, however XXXX seems to think it was a valid pull. The inquiry did not appear at XXXX. I am requesting that Comenity contact XXXX and have the fraudulent pulls removed from my record. I also want to make sure that no credit was established in my name. Finally I am requesting any available information regarding the applications so that I may forward them to law enforcement.