davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (TN)

There is a collection debt on my Experian account in which I have been attempting to have removed for over a year and a half now. This collection is under XXXX XXXX XXXX XXXX XXXX. It was for a water cooler service that is a completely different state from which I reside. The debt is {$570.00}. 
I was told to file a police report, write a statement about what happed, and contact the company who is attempting to collect this said debt that is 100 % fraud. 
I did all of the above including filing a report with the Federal Trade Commission. I want to mention that I contacted the company, XXXX XXXX XXXX XXXX XXXX  several times, I was told by two different workers that I would be sent a fraud packet to fill out then mail back to them. I never received one. 
I was also asked by them if I still lived at a California residence they had on file along with some email address. 
I told them I have never lived at the address they asked about and also I mentioned that this is the exact address that is tied to at least 2 other fraudulent accounts opened in my name! 
I gave them my legitimate address so they could mail me this fraud packet ( which I never received ) So, when I spoke with Experian about all of this they said the Bureau had my correct address, which was after I gave the collections Bureau my correct address so they could mail me this fraud packet they never sent. 
Experian has been incredibly disappointing. Every time I call Im told my matter is a dispute and Im then transferred to that department, and when I state my case to them, Im then transferred to the fraud department.

Its insane and infuriating, they just literally transfer me back and forth. This is screwing up my credit score and I cant even seem to get help from a credit bureau. Ive done everything Experian asked like I said and for what? To get jerked around and waste my time.

I really need someones else to get this handled. Please.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2018-11-17
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: Mr. Cooper Group Inc. (TX)

About six months ago, a remark was placed on my credit report that my mortgage was under a non-govt loan modification. My loan is not under a modification. The confusion seems to be that back in XX/XX/XXXX I was offered an interest-only loan modification provided by the mortage company, NationStar, which I accepted. This modification was for a period beginning XX/XX/XXXX and ending XX/XX/XXXX. No further modifications have been applied for or granted on this loan. My dispute is that the remark that my loan is under a non-govt loan modification is a false statement and fraudulent credit reporting. I have no dispute with the reporting of payment history. This is my only dispute with them is the remark placed on my account six months ago for an event that begin 8 years ago and ended more than 6 years ago.
Consumer complaint received 2022-06-10
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-08-25
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. (NC)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (IA)

On XX/XX/XXXX I tried to transfer {$50.00} from my chime checking account to one of my other accounts through an option where you can send a link to someone's phone number and then they are supposed to put in their debit card information and then they will have the money transferred into their account but when I put in my second phone number to transfer the money to myself in a different bank account I verified my phone number and then once the transfer was complete it said it transferred into someone else 's chime account I immediately called the institution the person I initially talked to told me that my money would be back in my account within 3 days after 3 days passing I called back another person told me that they weren't going to refund my money I called back again another person told me that they would email me in a day or two I never received an email I called again after about a week and was told once again that they would not give me my money back even though they made the error and put it into someone else 's account
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove late closed accounts from my credit report. Despite my repeated efforts and assurances from your company, these derogatory entries persist, impacting my financial reputation and opportunities. 

Over the course of several months, I have diligently followed up with your company to rectify the inaccuracies in my credit report. Unfortunately, each attempt has yielded temporary fixes or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The persistence of these late closed accounts on my credit report has had significant consequences, including hindering my ability to obtain favorable terms on financial products and negatively impacting my credit score. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently remove these erroneous entries from my credit report. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies on my credit report, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021. Someone try to deposit {$1500.00} fake check to my checking account, and on the same time, after he/she deposit fake check, he/she also withdraw {$1000.00} cash from my checking account. Few days laster, the {$1500.00} fake check return back .so I lost {$1000.00} from my checking account. I try to contact Chase customer and go to Chase branch to talk with them.Chase bank didnt give me a response.Chase bank close my checking account without any reason.and also didnt refund {$1000.00} to me I also have a police report before my Chase checking account Fraud. Because around XX/XX/2021, someone stole my Identity.
Consumer complaint received 2020-12-10
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)

On XX/XX/2020I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.
Consumer complaint received 2023-07-26
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. (DE)

Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (CA)

I got an insurance reimbursement from XXXX XXXX. Key bank lied to me all day. Supervisor XXXX promised to call me back and gave me a bogus email address that wasn't responded to either. After calling all day, canceling my check with XXXX and them reissuing a new check. Key finally tells me that they don't accept mobile deposited insurance checks. I am living in my car, in the winter and they kept me from having access to this desperately needed money. Supervisor XXXX blatantly lied to me and had no intention of helping me. I'm still unable to cash/deposit this check, as I am two states away from Key bank footprint. I have no access to the beanch which is what they are saying is the only way for me to deposit or cash this check with them.
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CO)

I was told by ditech corporation in XXXX that lf I ordered an appraisal and I have 80 % loan to equity my mortgage servicer would be able to remove the pmi on my loan. I did as requested and they sent an appraiser 5 months later. The appraisal came back away 79 % loan to value, below the threshold and the company refuses to remove the pmi. Further I called XXXX XXXX, the agency that owns my loan and they told me I netf 78 % equity but ditech claims I need 75 %. They are acting in bad faith.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NJ)

XXXX  has been sending me bills since XXXX, XXXX  with an amount that I don't owe. I am not a user of XXXX and I don't have any active line either. I called XXXX customer care every-time to resolve and they asked me to visit nearest store. I went to store and they confirmed that I don't owe any money. It is taken care. They said, if anyone asks for confirmation we have a note against your account # XXXX for XX/XX/2022 at XXXX XXXX. I have asked to email or send me the note but they said that we are not authorized to share via print. 

with this story, I received a debt collector in XXXX, XXXX  and I called them about the debt but they confirmed, XXXX has confirmed that I don't owe that amount so we are good. Then I received another debt-collector name ( frontlineas.com ) Phone XXXX and my debt reference # XXXX. Once I reached Front Line then I marked this transaction disputed again. They never responded but I reached them after 3 weeks to check if we are good then they mentioned that XXXX has confirmed that you owe this money. I dont have any dispute written confirmation but they asked for amount so I paid them {$290.00}. 

I am in a circle of scam with XXXX with these debt-collector. You can check my credit history, I am very upfront to pay off my bills and outstanding but this amount is a fraud on XXXX with the support of these debt-collector. Please help me to get out of it.
Consumer complaint received 2020-12-10
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. (MI)

XXXX, XXXX, AND EXPERIAN WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc. (KY)

I contaced solofunds and there banking platform XXXX  and there bank XXXX XXXX several times to revoke autorization of ach transfers from my bank account or debit card XXXX XXXX XXXX said i had to go through solofunds which i did on several occasions even got an attorney involved they told me i could not revoke which is totally false i can revoke at any time after a week of arguing with them through text and email because this is the only way to get ahold of them they still took XXXX XXXX from my account after i revoked i am preparing to take them to court this platform thinks they dont hve to follow the law clearly they told me i could not revoke they have no way to contact them except email and text i asked several times for there contact information and they refused to give it to me so i asked for there attorneys contact info same result nothing
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!