davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$400.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

So I was told by a friend to check my credit report directly through the credit bureaus instead of monitoring everything through credit karma. It was easy with XXXX and XXXX but Equifax  has been a nightmare. On XX/XX/XXXX I signed up with Equifax and is has my information all wrong. My social isnt correct and my date of birth is wrong too. I tried calling into customer service and they told me on their end they see that everything was correct and that I shouldn't worry. A week later and I noticed that my XXXX XXXX wasnt updating on my Equifax side so I called in again. The rep told me they would escalate the issue and give me a call. I never got a call back so I tried doing a dispute through the online system. Ive uploaded my license and my social security card to show proof of my correct date of birth and correct social security number. The system says that the dispute was completed but I dont see any change and I didnt get anything. Ive tried to do the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-06-15
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: SYNCHRONY FINANCIAL (FL)

Syncb/cc Inquiry from XX/XX/2021 - Finance that their customer service would not help and take care of the negative inquiries reporting to your credit report. Remove hard inquiry
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. Experian letter response " Experian may have obtained through a third party vendor XXXX XXXX XXXX XXXX ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service  keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I mailed out letters to TRANSUNION, XXXX, XXXX XXXX, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and Social as proof it was me and used a mail service to send out the letters.

Letter from Transunion - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.
Consumer complaint received 2021-06-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$10000.00}, {$7100.00}, {$4300.00}, {$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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- XXXX XXXX 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to Experian, XXXX and XXXX   that a bankruptcy did not take place. I requested a verification of debt from Experian, XXXX and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.
Consumer complaint received 2019-07-16
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 have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to XXXX, Transunion and XXXX that a bankruptcy did not take place. I requested a verification of debt from XXXX, Transunion and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I applied and was approved a Chase Sapphire Preferred credit card on XX/XX/XXXX. On XX/XX/XXXX, I was billed an annual fee of {$95.00}. As of today XX/XX/XXXX, I still have not received the card from Chase in the mail, and therefore can not activate the card to use any of the benefits associated with the card. I notified Chase in early XXXX that I never receive the card and asked the annual fee charge to be postponed by one month. My request was denied twice because " This fee ensures you receive all the benefits that come with your card and is non-refundable as long as your account is open, '' quoting from the reply I received from Chase. 

I found Chase practice to be unfair and deceptive. First, I could not use any of the benefits for the month of XXXX because I never receive the card to activate. How could I have used any of its benefits while I don't have the card and the card is not activated? The account can be open from Chase 's view, but it is not open from the consumer 's point of view because it can not be utilized. Second, while other card issuers used express mail carrier or sent tracking information, Chase did neither in sending out the card after approval. This makes it very difficult for me to determine when I should expect the card or it has been lost.
Consumer complaint received 2021-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Underwood James and Associates LLC (NY)

On Monday, XXXX XXXX around XXXX, I received a phone call from a company that sounded very reputable and legit, to offer assisting me enroll in their " rapid credit restoration program " regarding my past due student loan. They told me by enrolling with them today, I would be making payments of {$260.00} per month for 5 months ( beginning Tuesday, XXXX XXXX ) and after the 5 months, I would only pay {$99.00} per month for 19 additional months. They told me I would need to send verification of my proof of income, via email. After giving all of my information requested, I began to search their website and immediately realized I had just been potentially scammed. I immediately contacted my bank and started this complaint.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I filed an application for a mortgage refinance with Pentagon Federal credit Union, XXXX Virginia, ( dba : penfed.org ) in XXXX of XXXX. Have is applying all the required documents and completing the appraisal process I was told in XXXX that my refinance application would go underwriting and I would hear back from him shortly as to the closing date. Since XXXX, I have repeatedly e-mailed the messages requesting status of my loan and as of XX/XX/XXXX I have yet to have anyone respond to me including the mortgage processors. 
I have been sending the following e-mail message : " Can someone please tell me -- WHAT IS THE STATUS OF MY LOANLoan # XXXX? '' Additionally, I have tried to contact them by phone on numerous occasions into a convoluted prompting system I am continued referred back to a third-party member services is of no help or assistance in this matter whatsoever which only aggravates the frustration. 

Therefore, I am seeking your assistance in having this member organization simply provide me with a response regarding the status of my loan application. Otherwise, I will have to start a new refinance mortgage with a more reputable and response financial institution, thus losing all the money that I currently invested in this application. 

XXXX XXXX, Memberof Pentagon Federal Credit Union
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all 3 credit bureaus as well as XXXX 7 times challenging the accurate, compliant, and factual reporting of these 3 accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was reviewing my credit report on XX/XX/XXXX, from XXXX, when I came across my old account from Capital One ( Acct # XXXX ). Previously, I had a charge-off with them. My charged-off account was paid recently with them XXXX XX/XX/XXXX ). When I checked my report, I saw that Capital One has reported, since XX/XX/XXXX, a total of 55 CHARGE-OFFS. The account was charged off years ago ( Sometime around XXXX ) because the account was opened in XXXX. I only have one account with them. The account should have had one charge off from years ago ( XXXX ). I reached out to them ; no one answered my call to clarify or rectify the situation.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (WI)

This is the 2nd time I have had to file a complaint through cfpd against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. Since XXXX we have been in the middle of MANDATED MEDICAL MALPRACTICE MEDIATION. During which time XXXX submitted thousands of dollars of so called medical debt after I filed a complaint for medical malpractice with XXXX XXXX. I PAID THAT DEBT. Please refer to XXXX case # XXXX, XXXX XXXX, 2019 for prior co, plaint and evidence of XXXX XXXX XXXX XXXX SUBMITTING PAID MEDICAL DEBT TO MULTIPLE COLLECTIONS AGENCIES IN AN ATTEMPT TO INTIMIDATE ME FROM PURSUING MALPRACTICE CHARGES. 
Again, this is ALL paid debt. 
This is MULTIPLE attempts of : -FRAUD -HARRASSMENT -INTIMIDATION -RETALIATION -VIOLATION OF RIGHTS -VIOLATIONS OF ETHICS THIS COMPLAINT IS AGIANST THE FOLLOWING HOSPITAL, THE COLLECTION COMPANIES, and THE HOSPITALS LAWYERS THAT KNEW OF THIS AND ALLOWED IT TO CONTINUE TO HAPPEN. THAT CONTINUE TO ENGAGE IN CRIMINAL BEHAVIORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX, XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX or ( XXXX ) XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX or ( XXXX ) XXXX ALL the above named companies have been engaged in criminal activity against my person, physically, financially, and emotionally. 

This type of business is ethically and lawfully violating. I hereby request a FULL SCALE INVESTIGATION of the practices of the above named companies IMMEDIATELY. 
I will be also be filing complaints with the safety dept, state bar, ag, and governor.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.
Consumer complaint received 2019-07-16
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. (WA)

XXXX and Experian are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of   the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I am in the middle of escrow and my {$3000.00} earnest money is at stake. My lender received my outstanding credit reports from XXXX and XXXX but not from Equifax. I contacted Equifax several times since XX/XX/XXXXto have my report unlocked in which I have never taken action to lock it. They informed me that my SSN # is not under my name. I advised them that IRS, my employers, and 2 others Credit Bureaus have my correct SSN #. 
I faxed Equifax copies of my identities in XX/XX/XXXX and XX/XX/XXXX. I also sent my informations via express mail on XX/XX/. 
As of todayXX/XX/XXXX Equifax still can not pull up any record under my name. 
Now I am losing {$600.00} for appraisal and inspection fee and about to decide to cancel the escrow.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Equifax is reporting on an XXXX # XXXX, and # XXXX accounts. I have disputed this previously with no resolution. These accounts were included in my bankruptcy and are paid off but Equifax is still reporting and updating them monthly on my credit. They are continuing to damage my credit in error. This needs to be deleted
Consumer complaint received 2023-03-15
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX