davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$660.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-07-23
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : This is not an error. THIS IS NOT A THIRD PARTY. 
************************************************************* I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. As a result, these items are causing me harm and preventing my family from making progress forward.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

i mailed pyod llc at XXXX XXXX XXXX, XXXX, sc XXXX on XXXX XXXXXXXX about the alleged debt of {$590.00} and the inaccuracies they are reporting on my credit report which caused my score to drop 100 points. they received my letter disputing this alleged debt on XXXX XXXXXXXX it is now XXXX XXXX XXXX. its been more than 30 days since they received my dispute, i have not heard back from them yet. 

i told them that hade have thirty ( 30 ) days from receipt of my notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which they have reported it.
Consumer complaint received 2020-08-31
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: Simon's Agency, Inc. (NY)

I have submitted several request for debt validation to the Simons  Agency who are reporting negatively on my credit report and they have failed to provide any proof of my debt. They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

I have reached out to the debt collection company and the Credit Bureaus in reference to this matter. I believe they are both in violation of the ( FCRA ) Fair Credit Reporting Act. Debt collection agencies are not the original debt holders. Also there is a violation of HIPPA laws as it relates to a medical/surgical procedure bill. I have requested proof of the ( date of service/debt ) I was informed by this particular debt collection agency that they don't have the information. How can they allow this to be put on my report without providing proof of the debt. Again it shows a surgical center. This is medically related. Therefore any debt collection agency obviously isn't the original company who holds the debt. More importantly they claim they can't provide proof of the debt ; per my request.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (OH)

I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is XXXX XXXX.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Mortgage lender, Santander, has suspiciously misapplied my XXXX and XXXX mortgage payments to an account unknown to me, therein causing a delinquency, additional charges/fees, harrassing phone calls and credit reporting that has negatively affected other facets of my life, health and credit. XXXX amount {$1100.00}. XXXX amount {$1100.00} Actions taken by me : since XX/XX/2021 when this error became known to me, I have had telephone communication with Santander mortgage company employees who confirmed the error and that they would correct it, but did not. In person meeting with Santander bank manager again confirmed the error, saying that its just one number off ( which is also incorrect ), but that she is unable to make the correction. I asked to communicate directly with Santander Mortgage Division and was told that was only possible if I actually visited the facility located in XXXX PA. Another in person visit, the Santander Bank Manager directed me to a different individual, a mortgage officer, who also said he was unable to help me but would sell me a new mortgage. This mortgage officer said that he would pass this information on to someone else in the mortgage division. To date, this bank error continues with no correction to my account or restitution for the financial and emotional affects on my life. I'm now looking to legal counsel for a resolution.
Consumer complaint received 2021-05-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (NJ)

Complaint XXXX was submitted to CFPB on XXXX for issues regarding payments that have been occurring since XXXX of XXXX. Between XXXX and XXXX I have been working on an understanding and resolve. I identified what issue actually occurred, after multiple conversations, writings back and forth between me and Amerihome as well with XXXX  XXXX XXXX, who sends my electronic payments. 

As I figured out the issue, which stemmed from me sending a payment to the temporary account before it turned into a permanent account and Amerihome not following through with what they promised me and XXXX  XXXX XXXX, which was transferring the payment over to the appropriate account, I paid them twice within two weeks as agreed upon at the end of XXXX/beg of XXXX given they had returned the funds to a savings account that I don't check and no one picked up on this for the near six months of back and forth wondering why my payments would show on time then late then on time again. 

A comprehensive timeline detail of this is showing on case XXXX. 

So Amerihome saw the back and forth challenges and in our exchange arbitrated by CFPB there representative agreed to remove the late payment as of XX/XX/XXXX and said it would take the bureaus 30 days for it to show on my report. 

Today is XX/XX/XXXX and the bureau report has not changed. I called Amerihome and after being on hold twice for a total of 90 minutes, was told that they couldn't talk to me due to me needing to speak to the president 's dispute department. The president 's department has not returned my calls or sent a written correspondence except for multiple writings saying " it is under investigation and needs 30 days ' like a groundhogs day situation because nothing moves just the same letter over and over again. 

I am asking for CFPB to open a new case, or re-open old case. I responded on the old case after they said they would resolve that I was satisfied with their response, expecting it to be followed by actions. I just can't believe I am still fighting for this change 10 months after the problem origin. 

Thanks in advance
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Experian does not allow me to initiate online disputes like millions of other customers. I have spoken to representatives in the past, who stated the " online system '' was " down ''. 

Over the past 3 months, the website gives me an error message, " technical difficulties. '' It provides a telephone number to call ( XXXX ), but I can no longer get a representative to help me. 

The CRA - Experian - has forced me to send all of my disputes in writing, which is unfair and unreasonable. Their decision to deny me the ability to dispute online has made it extremely difficult to initiate investigations regarding inaccuracies on my consumer report file. 

I have not had any resolution or acceptable progress to fix this issue for over 3 months. Experian has ignored me.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

Since Bluebird chose to close or lock my prepaid accounts, I can't withdraw a remaining balance of about {$250.00} of my own fund from the accounts. I wasn't able to connect to any Bluebird employee after my calls got transferred then ultimately got disconnected. I submit this request to respectfully request that Bluebird will promptly return my remaining funds in the accounts. Thank you
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I have reviewed a copy of my credit report and I show company XXXX  XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-04-12
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. (TN)

I have tried resolving this issue with XXXX and TransUnion to consistently receive the same frivolous response. I have also contacted the creditor ( s ) : XXXX XXXX and XXXX XXXX of these fraudulent accounts that reflect my credit report. I have not received any response from either company.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I received a call from someone who says that she is representing a law firm about a debt that I owed to a Bank in XXXX. The Bank in question is XXXX XXXX. 
She stated that paperwork was sent to me that stated that I could work out a payment plan to pay off the debt and that they had not gotten a response from me so now the firm that is representing the client is now asking for the amount in full. I needed to make the payment to them right now. This was a voicemail, and when I returned the call the following business day she had all of my personal information, including my social security number and my previous address. It sounded legitimate. I confirmed that I previously had a checking account with that particular bank, but it was 13 years ago. I told her that I needed to see the paperwork that she stated was sent to an address that I no longer lived. She never asked me for my current address so that she could send the paperwork to me, but she kept asking me if could settle the account today. I told her no, and she stated that she would see if they would be willing to contact the client to ask if the original offer could be made to set up a payment plan. we hung up, but I then called the bank that I had this account with and I was told that the bank would not call you if you owed them money, they would report the debt to XXXX. This person also called and left a message on my daughter 's phone, but it was from a different phone number.
Consumer complaint received 2021-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

The amount Credit Bureau Systems is stating that is owed is incorrect. After initial phone calls of trying to determine the error and not wanting my credit score to be ruined, I attempted to offer to make a {$100.00} per month payment while the hospital financial services department worked with Credit Bureau Services to ensure the incorrect amount was corrected. The representative stated that since I was not able to pay the offered monthly payment of {$460.00} the debt would still be reported as nonpayment. When I asked what I could do, the representative stated I would need to reach out to an agency for debt relief for help and guidance on next steps. 

The next day I took a vacation day from work and met with the hospital financial services department and my insurance company to ensure I was correct about the amount owed, if any. The hospital financial services department admitted there was an error and it would take approximately 14 days to correct the error and contact Credit Bureau Services. I called Credit Bureau Services to explain this and that they did in fact have the incorrect amount that I supposedly owed and I wanted them to know they would receive updated/corrected information in the next couple of weeks. The Credit Bureau Systems representative went on to state incorrect information and when I stated the amount was incorrect and I wasn't listening to wrong information the representative said " I listened to you, so you are going to listen to me. '' I stated, but what you are saying is incorrect. '' The representative stated that it was not and asked " if I was going to listen or not. '' When I answered " you are incorrect, though '' she said, " ok, bye '' and hung up on me. 

Credit Bureau Systems threatens to ruin your credit even if you offer to make a {$100.00} per month payment while the incorrect information is updated. Credit Bureau Systems will not listen or admit when their information is incorrect and refuses to change an amount owed while attempting to collect payment on an amount that is not correct. Finally, Credit Bureau Systems yells, uses bullying/harrassment type behavior, and disconnects a call when a consumer is attempting to state the amount they are going to ruin my credit score with is wrong. I do not owe what they say I owe!
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I refinanced my home loan on XX/XX/2020. I wanted to pay my mortage dues twice a month so that I can save some intrest. 

But when I paid the first half of the payment, they are not adding towards my account and saying that its not a full payment. My total payment are for the month are {$2100.00} and I am sending payment of {$1000.00} twice a month and I am paying 2 weeks before the due. 

My complain is they are cashing my payments but not applying towards my account and I am still paying intrest in full even though I have paid in partial. 

This is what I am trying to acheive by paying bi weekly XXXX XXXX XXXX
Consumer complaint received 2020-02-18
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 {$31000.00}, {$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 ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

2. XXXX XXXX DEALER SVC with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX I attempted to pay for an online purchase for {$240.00} and transferred funds out of my Chime account into XXXX to complete the purchase. Once the money was sent the seller disappeared and their site eventually disappeared too. XXXX has confirmed the account was fraudulent but they can not recoup my funds due to their limitations on the system they use. In the meantime on XX/XX/XXXX I reached out to Chime because the money was transferred out of my account with them. I opened a case but they also have not been helpful. They are saying they will have an update for me in XXXX which is months from now. The person scammed me and no one is trying to recoup my funds or assist me in resolving this manner within a reasonable time frame. I would like Chime, who is a bank compared to XXXX, to help me get my money back. Chargebacks or whatever else needs to be done here.