davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or bank pulled my credit report from TransUnion and TU reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but TU and both XXXX is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last XXXX years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.
Consumer complaint received 2019-09-20
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: Midwest Recovery Systems (AL)

I received notification on my XXXX, XXXX, and XXXX   report that a Midwest Recovery  System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I have been trying to facilitate a short sale on my property for a few months, My father passed away and I am trying to get his estate settled asap. I have a buyer and have hired a realtor that got us a great offer. The 1st mortgage is getting a full payoff and the second and third lien holders will be taking less than they are owed. We tried very hard to get enough money to get everyone paid off but the market didnt agree with our pricing. Eventually after months of work we got a bonified offer from a buyer that is paying far more than he is willing to pay at foreclosure. The second mortgage postponed the original sale an entertain my offer but didnt allow for a reasonable amount of time to review and theyre now foreclosing again. I have been struggling for so long and just want to do the right thing. I tried to keep family home after my father passed but he was too far in debt for it to be possible for me. I just want to sell my home and get as much as possible for the bank and avoid a foreclosure in my neighborhood, and community. I need help and will cooperate 100 % with any of the banks requests. Please help me!
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (NY)

My wife and I received a letter from XXXX XXXX, Vice President at Citi Bank N.A., XXXX XXXX XXXX, XXXX, MO XXXX stating that they closed our Citibank Mastercard account on XX/XX/2019 due to a potential bankruptcy case. My wife and I have never filed for or declared bankruptcy. We have excellent credit scores and all our accounts are paid on time. I called Citibank customer service on XX/XX/2019 explaining the information was erroneous. I was told by a supervisor they would investigate and get back to me within 24 hours. I was never contacted. As a follow up, we wrote a letter to XXXX XXXX stating that our account was closed based on erroneous information and reiterating that my wife and I never declared bankruptcy. We requested that our account be reinstated and expressed our concern that the closing of our Citibank Mastercard would have a negative effect on our credit scores. As of this date, Citibank has not contacted us, and our credit monitoring service has contacted us regarding this account closing and possible detrimental effect to our credit. 
We are also concerned about the amount of personal information Citibank customer service requested when contacted. Instead of asking for the last 4 digits of our credit card the customer service representative requested my social security number, birthdate, mother 's maiden name and address. While I gave this information, I expressed concern about the amount of personal information requested due to the possibility of fraud and identity theft. I asked the customer representative why they couldn't access my information from the computer using the last 4 digits of the account and was told they were lookang at a blank computer screen. I question the veracity of that statement which, if accurate, gives me concern about the security measures taken by Citibank to safeguard my personal information.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On or about XX/XX/XXXX, I checked by chase account online. I noticed that all my funds ( {$1600.00} ) had been withdrawn out of my account that I did not authorize using chase quickpay through XXXX. I immediately called the bank to let them know my account had been fraudulently accessed and all my money was stolen from my account. They froze my account and stated that they would conduct a fraud investigation. I then changed all my passwords, usernames, and email and opened a new account due to this fraud. 

On or about XX/XX/XXXX, I called chase to check the status of my fraud claim only for them to say that they found no fraud and that they were unable to refund me my money that was stolen from my account and that I should seek outside sources.
Consumer complaint received 2019-09-27
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. (TX)

I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX, TransUnion put false, incorrect derogatory Chapter XXXX bankruptcy info about my XXXX/XXXX   account in my credit file, reporting it was closed, on a payment plan, no payment history, etc., which dropped my credit score way down, over 100 points. I have disputed and requested that they correct their OWN error 5 times and they refuse to correct any part of their falsely reported lies to this account. XXXX/XXXX  states my account with them is in good standing, has never been closed, was never in any Chapter XXXX bankruptcy payment plan, did not provide any derogatory remarks to TransUnion at all. My XX/XX/XXXX credit score with XXXX is XXXX, XXXX   is XXXX, and TransUnion is XXXX, so the irresponsible management of incorrect derogatory remarks are/were from within TransUnion 's own issuance, bec XXXX and XXXX have continued to receive correct in good standing status from XXXX/XXXX. I expect TransUnion to fix, correct, remove their damaging fraudulent totally untrue remarks. Bec they inflicted their errors and have refused to do the right thing to correct their wrongdoing, I won't be given the appropriate automobile insurance premium for the good credit scores of XXXX and XXXX, bec the auto insurance industry uses the criteria from TransUnion 's credit file to assess premiums, and bec of TransUnion 's lies and XXXX score, I will be penalized to pay a higher premium, through no fault of my own. It's not right to be punished for TransUnion 's irresponsible falsely recorded errors. It has caused me much anguish and more XXXX and unnecessary anxiety each time I dispute their untrue status of my XXXX/XXXX acct and they won't fix their wrongdoing. Why should I have to suffer and pay more for auto insurance due to their fault, not for anything I did to cause such a negative score?
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (RI)

CITIBANK CREDIT CARDS HAD AN ORIGINAL LINE OF CREDIT WHICH WAS DECREASED ARBITRARILY, RESULTING IN LOWER FICO SCORE. ( I.E. XXXX CARD {$5000.00} CREDIT LINE - CHARGES OF {$1500.00} - 31 % DEBT RATIO & SCORE OF XXXX. WHEN BALANCE WAS PAID DOWN TO {$1100.00}, CREDIT LINE WAS DECREASED TO {$1300.00} - CREATING A DEBT RATIO OF 91 % XXXX XXXX CARD - ORIGINAL CREDIT LINE AT {$2000.00} WITH CHARGES OF {$600.00} 30 % DEBT RATIO - THEN DECREASED CREDIT LINE TO {$500.00} INDICATING BALANCE OVER CREDIT LIMIT! MY FICO SCORE HAS DROPPED TO XXXX! ALL PAYMENTS HAVE BEEN MADE ON TIME, SOMETIMES EARLY, AND FOR MORE THAN THE MINIMUM AMOUNT. IS THIS HOW PEOPLE WHO PAY BILLS ON TIME EVERY MONTH ARE TREATED? HOW CAN ANYONE COUNT ON ACCURATE CREDIT SCORING WHEN CITIBANK IS USING UNETHICAL PRACTICES?!?!?
Consumer complaint received 2023-07-28
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)

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update the account, or inaccurate information, from my file immediately & send me the results to the address. FAMILY LA CO XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is the 5th time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I received an email from One Main Financial saying that i have a credit hard inquiry which impacted my credit score on XX/XX/2019. I have not requested for any loan. However, I received a notification from XXXX XXXX that i am pre-qualified for loan and it also stated that this process will not effect my credit score, but an hard inquiry happened on my account. I request you to please take an action on this.
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Recovery Services, LLC (ID)

On XX/XX/2019 i received an summons. i was being sued by medical recovery services. On XX/XX/2019 i personal went to the office of XXXX XXXX XXXX XXXX XXXX XXXX, pllc. They explained the debt i owed and the fact that I now owe filing fees, attorneys fees, and legal interest. I paid {$630.00} for everything. On XX/XX/2019 my wife filed chapter XXXX bankruptcy. 
On XX/XX/2019 i received an email from XXXX  saying a new collection account was added to my credit. After reading the email and looking at my credit report. I already paid this account. On XX/XX/2019 I called medical recovery services and they refused to give me information on a collection i already paid. I then filled 2 desputes with XXXX and they keep telling me i owe the debt. This debt is causing a negative impact on my credit for every month that goes by its saying i haven't made any payments.
Consumer complaint received 2019-09-20
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)

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-01
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: WELLS FARGO & COMPANY (CA)

My complaint is about a late payment on my Wells Fargo Credit Card account that was 30 days late on XX/XX/2018 for the amount of {$26.00}. I was never notified or informed that my account was past due. My previous card on file was cancelled for fraudulent charges and I was issued a new card. My new card however, did not have my automatic payments set up and I was never notified that my card 's bill was due or when it was past due. No telephone calls, letters, or emails were sent to me. There has been a mistake here. I have been doing business with Wells Fargo for almost 11 years without a single late payment on my record until now. I would love to continue to do business with Wells Fargo but if this late payment is not removed from my account, I will have to stop doing business with Wells Fargo immediately. I would love to continue our relationship moving forward and have this dispute resolved. The complaint is about Wells Fargo and their information is here : WELLS FARGO CARD SERVICE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 )  XXXX XXXX & XXXX XXXX
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

I bought a jewelry from zales they told me I have 18 months to pay for the {$1000.00} piece they have overcharging me with late fee and didnot take the payment on time from my XXXX XXXX XXXX Bank account ; They also took money from the wrong account and in BoA account and XXXX XXXX XXXX charge {$65.00}. They also sold my account to another bank ( XXXX ) XXXX XXXX.The balance right now is {$550.00} which is wrong. It should be {$300.00}
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance XXXX - ; XXXX XXXX Balance : {$0.00} ; 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. 
I contacted Specialized Loan Servicing on XX/XX/XXXX to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. 
The only communication I received was a letter from Specialized Loan Servicing on  XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. 
I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is unable to give me a timeline on when I will receive the lien release.
Consumer complaint received 2019-09-20
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$900.00}, {$22000.00}, {$17000.00}, {$7500.00}, {$5000.00}, {$1200.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13.  See Also 12 C.F.R 226.12 ( b ) -OPEN ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 






-CLOSED ACCOUNTS- 6. XXXX & XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AL)

On XX/XX/2019 I accidently charged my groceries to my Walmart credit card and I cancelled the order and Walmart is giving me the run-around about my refund.