davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (CA)

I do not have any knowledge of this debt, it's not mine. 

I pulled up my credit report and noticed the Collection Agency ( Mountain Run Solutions ) was listed on my credit report with XXXX and XXXX. A certified debt validation letter was mailed to the creditor and they responded with a copy of the agreement and added my name to their letter head, along with the individuals on the contract. I filed a police report XXXX to support my claim that the reported collections account is not mine. Please remove it from my credit report with the bureaus. I mailed a certified letter to the credit bureaus about my scenario and asked them to please delete the account. They responded with " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. That is incorrect. This is not not my account. Please see attached police report. 

Thank you, XXXX XXXX
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received a XXXX loan went to make withdrawal and the bank froze my account ask for some documentation which I turned in and I still say they're investigating my my account I asked him to reverse the funds and they told me they couldn't do that until the investigation was over but I don't understand what are they investigating this was a government-funded loan that was approved for me for my business
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AZ)

2 accounts show for Comenty Bank | Ann Taylor Loft, the second account with a credit limit of {$2700.00} was negotiated pay for delete. Payments arrangements were made and the balance was paid in full. Reflecting a charge off ( CO ) is  inaccurate as this debt was resolved.
Consumer complaint received 2020-11-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-06
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. (NC)

I previously sent three update letters to all three credit bureaus, which are XXXX Experian and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Consumer complaint received 2020-04-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I was struggling to make payment for beginning in 2019. I contacted Prime Lending ( mortgage company ). When I spoke to the loan modification officer, about my options : they asked if I wanted to keep my home. I responded Yes, absolutely. The loan modification officer recommended a Loan Modification-and immediately sent me a package to fill out. The taskings forms and time required to submit this package to approximately 1-moth to complete. This process began XXXX, then the completed package was sent out XXXX, via fax. They informed us that I needed to have been behind at least 1-month late on my mortgage payment at time of review-which I was. After numerous calls, request for additional information ( 2-month after initial fax ), time and energy spent to make sure all the details were covered / over 16 hours of labor. finally the results were received on XXXX. We received the mortgage company 's results, a simple letter ... Not approved for loan modification. The only two Options I qualified for were " Short Sale '' and a DEED in Lieu of foreclosure. '' I am a XXXX veteran only requesting a loan modifications and was instead offered foreclosures? This is completely unimaginable after 5-months of dealing with this company ( Prime Lending ).
Consumer complaint received 2023-01-09
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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 XXXX XXXX
Consumer complaint received 2019-06-10
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: EQUIFAX, INC. (AR)

On XX/XX/2019 I filed dispute with Equifax that 5 of my accounts were listed wrong on my credit report and on XX/XX/2019 I get and alert that my Equifax score dropped 20 points. The only thing listed under changes were the disputes that I filed. I use XXXX XXXX and when I called Equifax customer service they said it was because XXXX XXXX runs 30 to 45 days behind on their information but they had my complaints that I filed from just three days earlier and no other changes are noted. My complaint is why does my credit score drop for just trying to correct bad information and only drop with Equifax.
Consumer complaint received 2020-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

Hello, My name is XXXX XXXX. 
I had a discover card around XXXX and missed two payment because my bank account was in overdraft in XXXX and XXXX of XXXX. These late payment occurred to the financial hardship that I had as a college student. Therefore, I would like to know if they could be removed. 
Thank You, XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2017-12-18
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. (GA)

This is my FINAL attempt at resolving a serious and financially damaging issues my credit information and scores reported on my FICO 8 and others, with Experian. 
I have tried repeatedly, both with Experian directly over the phone and through faxes and emails, and have had my concerns VALIDATED numerous times and the promise to fix it with Experian employee 's but NOTHING has been done to assist me. 
I have complained to CFPB as well and that has gone unaddressed except for a lame excuse received by Experian and my next attempt at resolving my situation will be with an attorney and a lawsuit. 
I have had to put my house buying plans on indefinite hold until this gets resolved. Any losses I suffer as a result of this gross negligence on Experians part, will be addressed. 
Basically, my credit scores have tanked due to the failure of Experian to show and report FACTUAL information and all that is contained on my credit report. Credit utilization accounts for 30 % of someone 's score and mine is reported as an astounding 93 % despite having, on just the XXXX XXXX credit card alone, a credit line of {$7500.00} that only has a {$500.00} balance on it. That account is purposely being left out of the equation. Also, they are the ONLY credit bureau that is reporting 2 or 3 late payments ( depends on which time and report ) and the ONLY credit bureau still reporting 12 inquiries due to my not authorizing them except for XXXX XXXX and XXXX. 
Experian is in clear violation of the FCRA and I intend to pursue my rights legally unless these issues are addressed IMMEDIATELY since this has been an issue for MONTHS and even after the promise for resolution by Experian I am being ignored.
Consumer complaint received 2018-06-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holst & Boettcher, LLP (CO)

Payroll garnishment on original amount of {$7200.00}, which is incorrect. I've paid {$4000.00} in ( XXXX ) and {$2300.00} YTD ( XXXX ). Total amount paid {$6400.00} or 88 % of incorrect total amount. XXXX, XXXX XXXX XXXX XXXX is reporting an additional {$6200.00} balance for a total balance of {$13000.00} owed. I believe this law firm and these attorneys are attempting to take advantage and apply unfair and possibly unlawful practices to inflate original debt of a consumer. Excessive interest and taxes being applied to debt that has been recovered and written off by the original credit union ( XXXX XXXX ).
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Comenity-victorias Secret credit card. My first payment due date was on XX/XX/XXXX. I paid my balance, total payment of {$65.00} on XX/XX/XXXX. I didnt receive any mail from comenity bank only coupons from victorias Secret until the XX/XX/XXXX I received a phone call from comenity bank asking me to make a minimum payment of {$38.00}, so I asked Mr. XXXX ( the manager ) what he is talking about because I pay off my  whole balance, and I had never use my credit card, ( my balance was from the date I opened the account at the store ). And he said I had a balance of {$38.00} plus late payments and interest. I spoke to him for over an hour and he said I had to make a payment or my bill will be over {$100.00}, he couldnt do anything for me, He said I have to make my minimum payment and after that date he will put another charge of {$38.00}, we didnt have any agreements, I request my credit card statement because I didnt get one for over 2 months. He did send me one with {$28.00} late fee plus {$2.00} interest plus {$33.00} late fee and {$2.00} interest plus {$38.00}, {$38.00} my balance was now over {$90.00}. On XX/XX/XXXX I have another phone call from comenity bank to make a minimum payment of {$38.00}, I explained To the girl I dont owe them any money and explained to her everything and she just keep asking for {$38.00} and after midnight she will put another charge on my account. Several times I spoke to comenity bank managers and they just try to force me to make a payment of {$38.00}. At the end of XX/XX/XXXX I spoke to another manager she said she will reduce my payment to {$60.00} for me to pay my bill my husband was going to pay {$60.00} I was not agreed with that but I didnt want to deal with comenity bank anymore, but the manager tried to collect {$60.00} and she said she will add another {$38.00} late fee after the payment, so I refused to made the {$60.00} payment. Finally on XX/XX/XXXX, I spoke to another manager name XXXX, I told her what I had been going thru and I told her I agreed to pay the {$38.00} charge to get over this nightmare and she apologized for everything I had going thru and she took my payment and I requested a copy of my future statement with {$0.00} balance. Comenity bank affected my credit score with false fees, late fees, interest and bad managers that they couldnt explained me from where the fees come from. Also, they lower my credit card credit limited to {$150.00}.
Consumer complaint received 2020-04-30
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: JPMORGAN CHASE & CO. (CA)

I was in XXXX XXXX during the XXXX holidays in XX/XX/XXXX and stayed at the XXXX XXXX XXXX. I purchased a couple 's massage at the spa on XX/XX/XXXX and when asked how much I wanted to tip, I said {$60.00} USD. The hotel spa charged me XXXX pesos ( about {$120.00} ) on my Chase Sapphire card. I immediately said " No, this is wrong. I said {$60.00} USD TOTAL, not per person '' and the spa refunded me the payment for XXXX and then charged me XXXX pesos ( {$60.00} USD ), which was the correct amount I wanted to tip. 

When I got home, I realized I never received a refund for the {$120.00} transaction on my credit card statement, even weeks later. I disputed the transaction with my credit card company, Chase. I lost the dispute and have appealed it many times but Chase continues to say that the charges are valid. One of the reasons cited was that they reached out to me for more information but I failed to provide it within the required time frame. The request for more information came in the mail AFTER the deadline to submit it had already passed, which is incredibly disingenuous. 

I have also contacted XXXX XXXX XXXX about this issue and they have admitted the charge was incorrect and said they have contacted my bank to reverse the charge. Chase still denied my dispute, even after this. 

I have receipts showing all 3 transactions - the incorrect charge, the refund, and the correct charge. I also have correspondence from Chase with each dispute denial and an email thread with the customer service company XXXX which manages claims for XXXX XXXX XXXX. 

At this point I'm being charged {$180.00} for a tip on a massage that I wanted to tip {$60.00} for. This is unacceptable. I have incontrovertible evidence that the charge for {$120.00} was incorrect and XXXX XXXX XXXX  has admitted this, yet Chase refuses to give my money back. I have sent them all of the correspondence and the receipts. 

Thank you
Consumer complaint received 2017-12-18
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. (UT)

I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. XXXX XXXX claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to Best Buy originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXX XXXX  This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.
Consumer complaint received 2020-04-29
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. (AR)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I went to school at XXXX XXXX and graduated with a XXXX degree in 2008. No one in town would give me a job based on this degree and I was laughed out of most job interviews. I landed a low level XXXX  job paying less than XXXX a year and was expected to pay Sallie Mae {$600.00} a month. Needless to say I defaulted on my loans. Fast forward to today, I am getting harassed by debt collectors who have my accounts that have grown from $ XXXX ( for an XXXX XXXX ) to nearly $ XXXX. 
The course material taught at XXXX was years behind and to this day has not helped me in my professional career. I do not work in that field of study and feel that the school lead me into an unpayable debt.
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (GA)

AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH XXXX  XXXX LISTED WITHIN MY EXPERIAN CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to Experian and XXXX and they both refused to follow the FCRA guidelines.
Consumer complaint received 2018-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My name is XXXX XXXX, and I have many issues with Freedom Mortgage Company, but I will name 2 of the most recent, they are increased my mortgage payment without my knowledge, and second they do not want to remove mortgage insurance while my loan to value of the mortgage to 78 % or less ; my property almost double in value, on top of that Freedom Mortgage charges me {$10.00} every time to take my payment Please help me because Freedom Mortgage robbing me alive.