davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
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: EQUIFAX, INC. (TX)

XXXX, Equifax, XXXX XXXX reporting illegally aged account. 

XXXX XXXX XXXX  XXXX TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX  within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
Consumer complaint received 2023-02-10
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. (NC)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2015-06-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (TX)

This item [COMPASS BK XXXXAUTOMOBILE INSTALLMENT ACCOUNT] is erroneous and fraudulent since I never authorized, co-authorized, nor consented to this particular auto loan in the past. I am requesting that the item be removed to correct the information. I have highlighted the items that necessitate rectification.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CO)

Last XXXX my Wayfair store card was converted into a Master Card without my authorization. I only just found the card and realized what was done. How can a company take out a Master Card in my name without my authorization? I was told by Supervisor XXXX, Badge # XXXX, that a letter was sent out but I did not receive one and even if I did, the company still should not have taken a Master Card out without my authorization.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (FL)

Someone has created a password to have access to my credit report. This is on Karma credit. The user is XXXX. This not my user name and I am unable to correct or change anything. Also someone has given access to a lender to hit my credit report.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX my credit card charges on my TD credit card were declined. I called in to validate and determine the issue and they assured me it was resolved as they verified me with my phone number. The following morning my card was once again rejected, I called back and was unable to authenticate stating they had a different phone number on file even though my phone number has not changed. The agent said only option is to fax documents over including XXXX forms of ID ( no need for SSN ) and a utility bill. I asked them how long this would take as I needed the card and they told me if I send to this fax number should be within 48hrs. I did it right away and want to fedex office and paid to get faxed. I called back and they said they didn't receive and not to use the fax number I was provided and instead use a different one. I was confused and went ahead and faxed it in to new number and then called back in 3 days. They said they received it and now said they need my SSN even though initially I was told its not needed and once they have that it will be approved in 2 days. I called back in 2 days and they said there's no update and to call back in a couple days. Each of these calls had a hold time of 1-2hrs ( not exaggerating ) and so I did. This happened 3-4 times and they said there's no update, I even faxed my original credit card application to show there's only XXXX phone number and its never changed. It's been more than XXXX months and since I'm unable to access my account and have e-statements I can't see details of past transactions or balances yet I'm still required to pay it on the due date. In addition my utility bills that are on automated payments have bounced back and I'm allowed to redeem my rewards. When speaking to customer service they say all information I provided matches the account and there's no reason fraud department can't unlock it. They even transfer me to fraud departments saying it's all validated and I'm then told fraud department and customer service don't use the same phone number on the account and I simply couldn't understand that. TD fraud departments seems to added a phone number to my file without my knowledge and now I'm locked out for no fault of mine. I've invested so much time trying to resolve this but only had run around and they even state they'll call me back but have never done so over the 1 month period.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (CA)

XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX  XXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A. (IL)

PNC Bank has admitted ( via recorded phone call ) that they accepted my Economic Stimulus Check on XXXX ; Then rejected it. then shredded it ; then lost the copy. They refuse to share the copy/ image with me. They never contacted me about this and they have also admitted that their " return '' and communication policy is ineffective. It's been 5 weeks. 

They have admitted that they have never contacted me to alert me of this issue. 

They have also admitted that their procedure to address this issue is ineffective. 

They refuse to deposit/ issue/ cash out my funds and they refuse to report this issue to their corporate security department for a potential theft or fraud investigation. 

THey also refuse to accrue interest while this matter is being addressed. 

They've also refuse to inform me that this matter is being addressed on their end. 

XXXX XXXX XXXX
Consumer complaint received 2018-05-03
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)

XX/XX/XXXX Received a letter from XXXX XXXX XXXX XXXX ( XXXX ) saying I had an overdue account. I paid the account unknowing it was fraud and I had been given the incorrect information from XXXX. 
XX/XX/XXXX Called XXXX and filed fraud report. 
XX/XX/XXXX Received letter from XXXX " ... we removed the dispute ... credit agencies were informed. Allow 60 days to revise their records. On XX/XX/XXXX I received a refund for the payment I made on XX/XX/XXXX. I waited 3 months and checked my credit - the negative accounts remained on all 3 credit agencies. 
XX/XX/XXXX Sent letters to all credit agencies. Credit bureaus put fraud alerts on the account but did not remove the negative information. 
XX/XX/XXXX Sent 2nd letter to all 3 credit agencies. 
XX/XX/XXXX Letter from XXXX " The disputed account XXXX/XXXX is currently not reporting on the XXXX credit file . This item has been deleted from the credit file. '' XX/XX/XXXX Received letter from Experian - " The information disputed has been verified as accurate. '' I spoke with Experian on XX/XX/XXXX and they stated the letter they received from XXXX stated the charges were legitimate, not fraud. This is not what the letter said that I received and sent to all 3 credit companies. 
XX/XX/XXXX Called XXXX/XXXX XXXX, spoke with XXXX associate # XXXX who informed me I had to request to have information deleted. He was going to send another letter to Experian and me a copy. I never received anything. I know this may seem trivial but I am proud that I have never had anything negative on my credit reports. I don't understand why Experian can't remove the disputed negative account as XXXX did. 
XX/XX/XXXX Received letter from XXXX dated XX/XX/XXXX - didn't change anything - " verified as accurate ''
Consumer complaint received 2018-02-25
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (TN)

I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be  paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OH)

Last year I requested a hardship and was approved by Flagstar Bank in XXXX of XXXX for a HAMP Standalone Modification Plan ( Trial Plan ). I had initially missed a couple of payments. I submitted documentation to get assistance from the bank to help me. Once the plan was in place I did NOT miss any other payments. All items are attached of the agreement. 

The agreement was to start the first payment on XX/XX/XXXX in the amount of {$1200.00} for three months and then after successful completion of the trial plan i was to receive a confirmation that the plan was PERMANENTLY MODIFIED. I signed and agreed to this with the bank. I have attached all the documents. I paid XXXX, XXXX and XXXX as noted in the amount of {$1200.00} I did not break the agreement. I was not late on any trial plan payment. And then on Friday XX/XX/XXXX I received a call from the Bank, after many transfer I was connected with a representative named XXXX who then informed me that I was on a Forbearance and wanted to know when i was going to make payments, and then he said he could not find my SPOC who called me and then he told me that the reason for the call was that the bank needed me to agree to a modification of a new payment in the amount of XXXX. I reminded and educated him on the current modification plan that i was on and that i had met that agreement and i was not sure of what was going on. He then proceeded to say something to the case of the bank missed a review of the account, the escrow went up and they missed that etc. He then said that they needed to know if i was agreeable to the new identified payment. I told him NO and that i did not feel comfortable with this call and nothing in writing and that i was waiting on the bank to send the final documents as agreed that needed to be notarized for my permanent modification plan. He told me that there may be other options and other community services that i could reach out to. The conversation in which I am sure has been recorded can be located by the bank. Also what is noted are the multiple calls that I personally made to the bank since last fall to get this account straight and to ensure that I met their agreement. All of this should be located in my file. 
I signed and sent back the forms to Flagstar Bank on XX/XX/XXXX. I met the agreement as noted in writing from them. And I feel that they have tired to go back on the signed agreement which will cause me more heartache and problems. They offered no help but instead pressured me to agree to the new plan over the phone. Which I declined and I informed them that I was calling to file a complaint. 
My entire case needs to be reviewed. I am not sure of why they would want to change after I made all my payments for the trial on time. I did exactly what they told me to do.
Consumer complaint received 2023-02-10
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. (TX)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protested consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX Account name XXXXXXXX XXXX XXXX account # XXXX Account name XXXX XXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681c. Section 602 A. I Have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting Agncy can not furnish a account without my written instructions 15 U.S.C 1681c Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of conversation of crime which antedate the report by more than seven years 15U.S.C 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (OR)

XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me  XXXX  and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-02-10
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. (FL)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (FL)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (IL)

Derogatory Mark place on my credit XX/XX/2021 for {$450.00}. Company contacted me via email correspondence. After communicating I realized that I never was in an agreement with this company or had any debt inquired with Sequium Asset Solutions XXXX XXXX XXXX, XXXX, GA XXXX.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Essential Lending Inc (TX)

I have made several attempts to call and speak to someone and after waiting in their queue the call drops. Ive set up appointments for a call and I dont get a call back. Ive sent them emails like it says in their website and automated system and of course no response.
Consumer complaint received 2018-05-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Residential Mortgage LLC (NC)

I have contacted your company before about incorrect reporting and the wrong info listed on credit report. I have reached out to the XXXX company here in XXXX so many times and still no response from them and even you guys have tried and told me that you cant get in touch with them. I have asked for proof and still nothing i have asked that this be taken off my credit report for over 2 years now i need your help. please have this taken off my report it is hurting me and i have sent 3 more letters to them no response. i have reached out to all 3 credit bureaus to have removed they cant even give me the correct info. please help me as a consumer get this handled PLEASE PLEASE .... THANKS THANKS THANKS IN ADVANCE