davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : 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
Consumer complaint received 2018-10-08
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. (AZ)

Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (NY)

The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

From XXXX when I became disable and stop working to XXXX XXXX card DID transfer money from my other credit card to a fake XXXX XXXX account! 
In XXXX I notified the credit card companies that XXXX  has set up a fake account and is taking money from my accounts with them< I canceled all my accounts with the one that kept sending money to XXXX fake account! 
There have been several class action lawsuits again XXXX for this and other violation of the laws! 
XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX took me to XXXX XXXX, XXXX XXXX  The case was XXXX XXXX 

CITI Bank took me to the XXXX, XXXX XXXX XXXX dismissed due to the above proof of XXXX card past actions!
Consumer complaint received 2020-12-13
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house to provide for me and my sons.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc. (PA)

I have disputed these medical bills via telephone, XXXX  XXXX  and in person and still nothing has been done.and upon further investigation supposedly by XXXX  XXXX  they have the nerve to say that after further investigating that it was me who made these costs
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I contacted American Express ( AE ) before I registered to make sure I can get a credit limit high enough to handle my entire transfer. They said they can not tell until after the approval but if it was to low I would be able to contact them after the 30 days to get a credit increase.On XX/XX/XXXX I signed up for an AE card because it offered 0 % APR on balance transfers. I contacted AE and tried an online increase after the 30 days and it said I had to wait 60 days before I could do that. The balance transfer deal expires in 60 days. I would not have signed up for the card if I knew I would have to wait the full 60 days and miss the promotion of 0 % APR before I could get an increase of my credit limit if it was to low to start. 

I had the ability to transfer a small portion of my balance but that would do anything for me that is why I was checking and verifying with them through out the whole process to make sure I could do this and get the higher limit so I can transfer the entire amount. 

I feel like they used a bait and switch on me. I was told I could do something so I signed up and then by the time they would let me do it I missed the promotion and now stuck with a higher APR if I wanted to transfer. 

Another thing that is bothering me is they said I can not do a balance transfer until I get and authenticate the card, but they start the promotion count down from the day you were approved. They shipped my card on XX/XX/XXXX and I received it on XX/XX/XXXX. So that is 20 days I was not able to do the balance transfer missing out on 1/3 of the available time.
Consumer complaint received 2022-06-11
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. (MI)

On XX/XX/2022 I Paid Off The Account In Full I Have a Letter And Bankstatement Proving This They Have Lied To The Credit Breau And Told Them It Is A Charge Off They Keep Charging My Credit I Am Trying To Build Credit And I Cant Do That With A Negative Account On My Credit I Have Made Numerous Of Dispute Still No Luck
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. I recently received a copy of my credit report and upon review discovered the following account that was not opened or used by me : BANK OF AMERICA ; Date Opened XX/XX/2021 ; Balance {$8700.00} ; Account Number XXXX. I do not and have not ever lived at the address where this card was sent or used. This is not my account.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was suffering from financial hardship and was seeking assistance and then hurricane irma hit and we were in a FEMA declared disaster zone. I understood that Bank of America would be providing disaster loan modifications for those impacted. I was on the disaster forbearance but they did not do the disaster modification as I was told. I had to apply for standard assistance. 

I did and there was some mix up until finally on XX/XX/18 after finding out they had not reviewed me even though I sent in an updated application on XX/XX/18. I spoke to a very helpful supervisor " XXXX XXXX '' who took the time to look at my file and found out what the problem was. I had to resubmit with the correct address information so I did and was encouraged as I would finally be getting help As a XXXX military veteran I also was seeking SCRA protection from the upcoming XX/XX/18 foreclosure sale date and have not received it to this day. 

Everything seemed to be going well and I was able to have a complete assistance package and was submitted to the underwriter and on XX/XX/18 was told they were postponing the sale as Bank of America does not practice dual tracking then a borrower has a complete package as they have always done they post pone the sale date to allow time to review. 

Days went by and still the sale had not been postponed. On XX/XX/18 after 2 other escalations my customer relations manager submitted another post ponement. 

I was told an assured by many representatives that once I had a complete package the sale would be placed on hold. I had no reason to doubt because that was the practice ever since the DOJ mortgage settlement restricting dual tracking. 

I am submitting this complaint as Bank of America has defaulted on their commitment made by it's own representatives.
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was already approved for a short sale. SLS requested a sale date while I had a complete application. They are on purpose not processing my short sale. They forced me to file a bankruptcy. This is a notice of error in the processing of the short sale option for me, XXXX XXXX XXXX, for the above referenced property, named as the borrower in this document. I was approved for a short sale option on or about XX/XX/XXXX. SLS has shown a pattern of practice by committing multiple errors on this file. SLS is dual tracking and making me submit multiple RMAs unnecessarily. SLS has consistently requested new sale dates instead of requesting that the sales be canceled indefinitely. SLS further committed additional errors by opposing my sale cancellation for the sale scheduled on XX/XX/XXXX which forced me to file a bankruptcy therefore damaging me even more. As a direct result of these errors, I am suffering consequential damages including but not limited to the costs and expenses of having to continue carrying the mortgaged property, and by my inability to sell the property to a ready, willing, and able ( funded ) buyer.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance {$450.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX : {$1600.00} XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance {$450.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2021-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-03-20
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: DISCOVER BANK (GA)

I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc. (NC)

I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XXXX of 2015 I began consolidation of multiple student loans. College Foundation of North Carolina was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. College Foundation North Carolina admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. CFNC was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.
Consumer complaint received 2018-08-01
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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (AZ)

My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are American Express ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and XXXX ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX with the account # XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (WI)

I got a world finance loan a few years ago. I then called over a month ago to pay off my collection debt of {$520.00}. And now all of a sudden it shows on my collection a balance of over {$3000.00}. I have tried disputing it several times with my receipt showing it has been paid and XXXX is becoming no help along with world finance.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to Equifax/XXXX  and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.
Consumer complaint received 2020-01-30
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. (FL)

XXXX, XXXX  AND TRANSUION HAS NAME AND ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. 
XXXX XXXX XXXX-NOT MINE, XXXX XXXX -NOT MINE, XXXX XXXX-NOT MINE, XXXX  XXXX  XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX-NOT MINE XXXX  XXXX-NOT MINE Addresses : XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE, XXXX XXXX , XXXX , FL XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX, XXXX XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX , XXXX , FL , XXXX, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX, XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE,
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia (VA)

Credit control corporation calls several times a day either looking for my wife or myself about a debt that we have no idea about since it is not on our respective credit reports. I have no collections on my credit reports so I do not have any idea what we supposedly owe since our bills are always paid ahead of schedule.