davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TN)

Barclays reported my credit card payment delinquent for XX/XX/XXXX for a missed payment on XX/XX/XXXX. On XX/XX/XXXX the reported to credit bureaus that I was 30 days late on my past due payment for XX/XX/XXXX. This was not 30 days, it XXXX. Further XXXX, XXXX and XXXX XXXX the 30 day delinquent pay for XX/XX/XXXX when we are still currently in the month of XX/XX/XXXX. Thus, this does not indicate the payment being 30 days past due. Further more on my XX/XX/XXXX statement, there is no indicated past due amount. Furthermore on my XX/XX/XXXX Statement it reflects my past due payment amount is due XX/XX/XXXX. If I have until XX/XX/XXXX why was my account marked as 30 days past due? And why did XXXX, XXXX and XXXX allow for something to be reported 30 days late in the same month that the payment is late in?
Consumer complaint received 2017-09-08
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. (IL)

On XX/XX/XXXX, I read that Equifax experienced a security breach affecting 143 million consumers. I also read that they knew about this hack as early as XX/XX/XXXX, AND that 3 senior executives sold off millions of dollars worth of Equifax stock prior to this becoming public knowledge.
My personal issue, apart from obvious insider trading violations on their part, is the website they set up to see if individuals ' information was compromised.
The website, https : //www.equifaxsecurity2017.com/, has a link to help you determine potential impact : https : //www.equifaxsecurity2017.com/potential-impact/ This URL XXXX XXXX XXXX  throws off a DANGEROUS site message from major browsers ( not comforting when your information has a 1 in 3 chance of already being violated ). It also does not reflect that it is owned by Equifax in the WHOIS lookup, which also does not engender confidence in neither the site 's security nor authenticity.
By way of contrast, XXXX is CLEARLY indicated via WHOIS lookup as owned by Equifax.
1 ) Why is XXXX throwing off a DANGEROUS site message?
2 ) Why does it not clearly indicate that the registrar and owner of the site ( which asks you for your last name as well as last 6 of SSN ) is Equifax 3 ) How does a consumer actually find out if they have been compromised without having to enter their info on a site that is not registered to Equifax and a site that throws off browser security errors? Their XXXX number found here : https : //www.equifaxsecurity2017.com/contact-us/. ( XXXX ) just returns a call failed. According to the site, " For consumers with additional questions, Equifax has established a dedicated call center. The call center is available at XXXX, every day ( including weekends ) from XXXX XXXX XXXX XXXX. Eastern time. " ... I tried calling at XXXX and XXXX am Central Time ( XXXX and XXXX am Eastern ) today ( Friday, XX/XX/XXXX).
Thank you.
Consumer complaint received 2020-05-19
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. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX   XXXX  XXXXDispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute
Consumer complaint received 2022-03-07
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. (AZ)

I have multiple accounts showing wrong information like dates of activity, dates accounts were opened are wrong. The last payment dates are incorrect between the bureaus, missing or mismatching verification dates, some say open with one bureau and closed with another when they're both closed and paid. I've disputed these accounts with all 3 multiple times and my requests to have them removed have been ignored. I have no accounts with XXXX XXXX either, I've never spoken to them. I'd like these accounts removed from my credit reports. The following accounts that have been ignored when requested to be removed for inaccurate information are : XXXX - I've disputed that under the Cares Act that late payments for mortgage were forgiven from XXXX and those corrections have been ignored every time as well. 
XXXX XXXX XXXX # XXXX PXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX Bank of America has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with XXXX  credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. Bank of America reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that Bank of America officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to Bank of America and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by Bank of America regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

My former apartments sent me a " final bill '' for " repairs '' they say I owe for. I sent in multiple service requests for some of these and I have dates of every request. They paint the sinks, tubs and counter tops in the apartments. They paint in tubs started chipping. They received several notices from me through their portal about this. Unfortunately, I could not be out of my apartment for 4 hours at a time. I am a nurse and slept during the day. They made a claim for the carpet, which was old when I moved in ( some of the units had been updated, but I moved in to one that had not ) I had my own room sized rug on top of their carpet. The amount that is on my credit report as " due '' is not the amount they billed me. I think this is in retaliation for me filing a complaint along with pictures, which I still have, about the pool being green and moss filled. My granddaughter and I developed upper respiratory infections after getting into the pool. Once we realized there was green moss growing in it, we got out I was told I would receive pictures of the items I was being charged for. Another item they wanted me to pay for was a new handle on the microwave. They have several service requests about the microwave. The kitchen seemed to lean and the microwave door did not fit right. Maintenance came and fixed it at least once. The flooring in the kitchen is some kind of soft one sheet roll of something. It had a few scratch marks and spots where it looks nicked, like normal wear and tear on inexpensive flooring. Since this was not one of the updated apartments and it was not major, I did n't think anything of it, although I did not cause it. The refrigerator was so broken down I had to request service multiple times. It finally went out while I was at work and ruined all of my food I had just purchased. They reluctantly reimbursed me for some of the food and had to replace the fridge. The roaches were so horrible in this apartment it took 3 months to completely rid them. I informed the front office this was triggering XXXX for me. So, my question to you is exactly HOW was this confirmed? How do you confirm the validity of charges someone makes against you with no proof? If you would have received proof, you would have noticed the amount is not the amount you have on my credit report, it is much less. I never received the pictures of " damage '' they said they would send, nor have I ever received copies of receipts for " repairs '' they claim they had to make. I want both of these sets of documents/proof. I want to file complaint with the credit regulatory agency. Please review the accuracy of this charge and inform me how to file against them for retaliation. They may be able to confirm my name and that I lived there, but I never damaged their apartment.Because I have in writing, a completely different amount, this claim should be completely removed from my credit reports as inaccurate and false.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (PA)

on XXXX went on line to start a bright checking account with turist bank, i provided my personal information how long at address- full name-address-tel # - e-mail address ssi # went to click on next step came up in error code # XXXX cant verify idenity therefore i called and left a voice mail message for XXXX XXXX, ( XXXX ) XXXX same day, no response from him as of today XX/XX/22 regarding to finish the application, regarding my personal information at turist bank is at risk, for online application signed and dated XXXX XXXX XX/XX/22
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services , Inc has committed multiple violations and mistakes in my credit reports. CMRE has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Accounts information : 1. Account number : XXXX, date opened : XX/XX/2018, original balance : {$2700.00}. 
2. Account number : XXXX, date opened : XX/XX/2018, original balance : {$260.00}. 

CMRE is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : The hospital failed to bill Medicare insurance. 
There were unnecessary procedures that I was put through that were not necessary. 
Hospital overbilled and made me agree to take more expensive procedures than needed. 
I was grossly overbilled for what was one hour visit. 
Unfair business practices and negligence. 

I just want a fair solution and get these accounts removed from all 3 credit bureaus asap. 

Thank you.
Consumer complaint received 2020-08-19
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. (SC)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent Equifax a letter to address several inaccurate, unknown and incomplete items on my report. 67 days letter, no response has been sent to me, and they are ignoring me.Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has 67 days, therefore I need these items deleted promptly. It is exhausting and stressful. I demand this account to be removed immediately or I will file for litigation due to the constant stress this has caused me. In addition, my information was compromised in the Equifax data breach, and my info may have fell into all the wrong hands.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (NY)

XXXX was closed in XXXX by company for non-pay. In XXXX I received a XXXX for debt cancellation. I never received any communication regarding this debt with the option to pay or settle. The company is now refusing to provide me with written communication that the debt has been written off. My credit report still shows the debt being valid. The company said all they can provide me with is verbal confirmation.
Consumer complaint received 2017-09-08
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. (CA)

Equifax 's breach has put my credit at risk. I am listed as a potential victim on their site. I am worried this will negatively impact my ability to buy a home, which I was looking to do in the near future. 

I would appreciate it if they offered a free credit freeze.
Consumer complaint received 2017-09-08
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. (FL)

I was listed as a potential victim of the Equifax cyber-hacking. Upon checking with their website it confirmed that I was probably a victim of the thefts. It allows for 1 year enrollment in an identity protection product without allowing the pursuit of litigation, restitution or arbitration. I am very worried that I will be a victim of identity theft as a result of the data breach. I would like to be able to retain the option to recover stolen funds, or funds spent protecting my identity from Equifax.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (MO)

I lived in XXXX XXXX in the XXXX and had electric service with XXXX XXXX XXXX. I moved to XXXX XXXX in XXXX  and canceled my service with XXXX XXXX XXXX. 
Recently a company named Helvey And Associates has placed a collection on my credit report for {$2000.00} owed to XXXX XXXX XXXX. I have not done any business with this company since XXXX  and seriously doubt that if I did owe {$2000.00} on an electric bill, my electricity would have been shut off long before the bill got that high. 
I filed a dispute with XXXX, and it returned as " Verified ''. I called XXXX and was told that they do not investigate the information themselves and only report it. They told me that the companies do their investigations and report their results back to XXXX. I believe that this means that the collection companies can keep reporting it as they want. I do not understand how I could have this on my credit report from XXXX  years ago. 
HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I closed my aspire credit card back in XX/XX/! The account has been reporting OPEN for the last 4 months on my EXPERIAN credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and Experian 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to Experian. Yet, when I dispute with Experian and upload the documents showing its closed Experian is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just Experian. This account needs to be reported closed on Experian immediately!
Consumer complaint received 2021-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I refinanced my mortgage with XXXX XXXX XXXX in XXXX. The first payment was due XX/XX/2021. The closing document provided payment coupons with the following information on them : Pay To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Amount : {$1200.00} Loan # : XXXX On XX/XX/2021, I used my bank 's bill pay and sent a paper check for {$1200.00} to the above address and loan number. The check was cashed and posted on XX/XX/2021, to the following bank account : Account # : XXXX Routing # : XXXX Shortly after sending my first payment, I received a notice that my bank transferred my loan to XXXX Dovenmuehle Mortgage  Incorporated ( DMI ). With that notice, I also received a new loan number and mailing address. 

The XXXX payment that was sent to XXXX was never transferred to DMI. I have provided DMI 's research department a copy of the paper check that includes the account and routing number that the check was deposited in. 

XXXX 's payment still has not been credited to my account and I am continuously receiving calls from DMI stating that they are trying to collect a debt for the missing payment. In addition, they are charging a late fee and stated that the missing payment can be reported to the credit agencies.
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (TN)

COINBASE. last week my ability to buy Digital coijs was shut off. I have been able to buy for over 3 months. When I first reached out to Coinbase I did not get a response. I then sent a second request as to why they disabled my ability to buy to which I recieved a generic response. 
XX/XX/2017 | XXXX PDT XXXX replied : Hello, A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause.
We regret that we are not able to supply you with any additional information.
Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. 

Again, I apologize for any inconvenience this has caused you. 

So they have no real reson but just because ... they did this after asking me to upload my bank records my id and my ssn information ... it is very uppseting to deal with these hassles after complying with all request
Consumer complaint received 2019-10-24
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 ; Experian and XXXX  are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.