davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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: OneMain Finance Corporation (NJ)

Original loan with One Main Financial was in good standing, we paid it down refinanced it and opened a new loan in its place. However they charged off original loan instead. The new loan was given debt forgiveness due to a class action suit in which we had to pay taxes on from Tax forms given and received. They are not only reported our account for non payment on both of these accounts. But charged them off. We have multiple collections for the same loans with different amounts and different dates with multiple collections companys. In Addition for a loans that arent even ours for a XXXX XXXX whos remarried name is XXXX XXXX. This is FRAUD ALL THE WAY AROUND. The company was sued yet were being penalized. I have 5 loans from this company reporting that Im not responsible for. We paid taxes on this. All loans from this company misapplied. Ive written multiple times giving complaint to all credit bureaus and companies.One Main financial wont give documentation.
Consumer complaint received 2019-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

Card provider charged my account as " Dispute Credit Reversal '' in the amount of {$120.00} on XX/XX/2019 after giving provisional credit back for the same amount on XX/XX/2019, but then having exceeded the allowed time frame within which to resolve the original credit charge dispute from XX/XX/2019.
Consumer complaint received 2022-08-12
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)

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX  Account # XXXX Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a secured credit card with the Bank of America few years ago, deposited {$500.00} dollars. I was unhappy with the bank 's policy, terms and conditions, even though I had excellent payment activity. I asked to close my credit card account and mail me my full refund in the amount of {$500.00} dollars. The Bank of America failed to comply with my request, refused to close my account and illegaly held my security deposit, never issued a full refund. As the time went by, my account was not closed by the bank, moreover, theyr added up negative fees and falsely reported my account as negative/charge off since 2017. My credit history was seriously impacted by this negative and false reporting. My full refund is still past overdue and owed.
Consumer complaint received 2021-09-13
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: Kikoff Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-08-09
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: Experian Information Solutions Inc. (AL)

I HAVE NEVER WENT TO XXXX XXXX XXXX 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXXXXXX XXXX XXXX XXXX XXXX  # # # # # # XXXX This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for XXXX minths now
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

XX/XX/XXXX Unable to access my chime account because I can not receive the verification code, and they do not offer the option of having the verification code sent to you an alternate way. 
Found out my phone number had been changed tried to update phone number online got all the way up tp getting a verification code enter code enter new number nothing happened. Have been going around and around with customer service sending requested documents and now I am informed my account is on hold due to suspicious activity, I have provided once again requested documentation and I am now waiting for the review department to make a determination. my social security XXXX check goes into that account and I had {$1300.00} to {$2000.00} in a savings account. I can provide a timeline and copies of all emails as well copies of all documentation I provided to them.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX Account # XXXX Name : XXXXXXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Grandfather passed away in late XXXX, XXXX. His only credit card was one he got through XXXX, backed by Bank of America. 

On XX/XX/XXXX, I received a letter from BoA claiming {$540.00} was outstanding on his card and was owed to them. They filed a claim against my Grandfather 's estate for this money, and in their letter BoA stated I had the right to dispute the charges within 30 days of my receiving the letter, otherwise the claim would be considered valid by them. 

On XX/XX/XXXX, I mailed a letter back to BoA disputing the charges in their entirety. I did not hear anything back. 

On XX/XX/XXXX, I called BoA at the number they provided in their letter and spoke to a representative who promised to send the entire previous year 's worth of statements for my Grandfather 's card. They sent every statement except the statement from XX/XX/XXXX through XX/XX/XXXX, which was the statement in question. 

On XX/XX/XXXX, I called BoA again, was told the rep handling this issue was XXXX XXXX, and that the missing statement would be mailed immediately. The missing statement was received the following week, and none of the charges in question were valid as my Grandfather had been in the hospital with XXXX  XXXX XXXX XXXX during the time the charges were made on the card. 

On XX/XX/XXXX, I mailed BoA a letter and requested an update into their investigation of the disputed charges. I received no reply. 

On XX/XX/XXXX, I mailed BoA another letter again requesting an update on their investigation of the disputed charges. I asked them if they had even initiated any investigation into the charges. I received no reply. 

On XX/XX/XXXX, I mailed yet another letter to BoA, still requesting an update as to their investigation of the charges. BoA still has not responded in any capacity, nor have they withdrawn their claim against my Grandfather 's estate. 

I have recorded my phone calls with BoA phone support, and the phone reps confirm BoA received my dispute letter. 

If this claim is not withdrawn, per the probate court, my only recourse is to pursue legal action against BoA. This will be my final attempt at getting this matter resolved in a civil fashion, I have been more than patient throughout this process and have been repeatedly ignored.
Consumer complaint received 2019-08-11
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: DISCOVER BANK (PA)

On XX/XX/XXXX I ordered an item from XXXX. I was charged {$140.00} on XX/XX/XXXX. The estimated shipping time would have the item arriving at my residence on XX/XX/XXXX. 

On XX/XX/XXXX I received an email notifying me my item had been delivered to my address. I checked the mailbox, there was no such item there. No package had been left on my front porch, nor was any package on the back porch, and the next door neighbors hadn't received anything in my name. 

I contacted XXXX to notify them of the missing package on XX/XX/XXXX. They told me they would investigate the issue to determine the package 's status. On XX/XX/XXXX, XXXX sent me an email which stated " the tracking number shows the item was delivered, this case is now closed ''. At that point I disputed the charge with Discover and provided the pertinent information to them. 

On XX/XX/10 I was notified by Discover that they had reversed the charge-back and sided with the merchant, and Discover requested I provide them with information supporting my claim. I called Discover on XX/XX/10 and asked them what information I could provide regarding an item that had never arrived at my residence. They were not able to give me an answer because there is no way someone can prove they didn't receive something. 

Subsequent phone calls to XXXX to try to get further help from them, the merchant, have gone nowhere, as XXXX has been unable to find my order information during follow up conversations. It's like XXXX lost all record of the transaction after I submitted the dispute.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

To Whom It Concerns : As a home owner with a mortgage, I have accepted the financial responsibility and obligation to ensure receives Roundpoint Mortgage receives my mortgage payment - principal and interest inclusive of administrative fees for servicing the loan. Every month. Even during a time when so many are unable to pay their mortgage. Every month. On time. I pay. 

As the mortgage lender for my primary residence and in receipt of my monthly payment, Roundpoint Mortgage has a fudiciary responsibility to ensure that escrow is appropriately calculated and payment made for all county/property, city, school and home owner 's taxes. In connection with the XXXX full year school taxes due on my behalf to XXXX XXXX XXXX by XX/XX/XXXX, Roundpoint Mortgage has not met its obligation. 

In summary, after contacting Roundpoint via phone and email on XX/XX/XXXX, following up on XX/XX/XXXX, and again on XX/XX/XXXX ( I initiated all follow-up as there was zero communication from Roundpoint after the standard " thank you for contacting us email '' ), I was casually told by a representative, " we will not be paying this today. '' Escalation. 30 minute hold times. Unacceptable to say the least.

Over the last month, I have had 4 calls with XXXX from the customer service escalation team ( XXXX, XXXX and XX/XX/XXXX. ) I was informed by her that the issue would be resolved by XX/XX/XXXX and it has not. As far as I know, Roundpoint has not paid the appropriate tax and I may be in default on my school taxes ( the tax bill is in excess of {$6000.00} ). 

It is not my concern that XXXX sold my mortgage to Roundpoint and Roundpoint then merged or sold the mortgage to XXXX. What I do care about is that my mortgage, and related taxes are paid in a timely manner. What is Roundpoint doing with my funds held in escrow? They earn money on the money collected from me, which is to be reserved and used to pay applicable taxes and home owner 's insurance on my behalf. That was not done in a timely manner. 

I have requested that all remaining correspondence concerning the matter be in writing.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX Late payments XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XXXX  XX/XX/2017 XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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 instruction
Consumer complaint received 2021-10-01
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. (IL)

XXXX XXXX XXXX  XX/XX/ {$540.00}, XXXX XXXXl XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, U.S. Bankruptcy XXXX XXXX.The accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Consumer complaint received 2019-05-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 13 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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: Bread Financial Holdings, Inc. (FL)

I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with XXXX to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to XXXX to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and XXXX refused to remove the fraudulent accounts. XXXX always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from XXXX  both dated XX/XX/XXXX, in one of the letter XXXX stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent XXXX my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need XXXX to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

XXXX currently has 6 fradulent accounts listed on my credit report. 
Comenity Bank/ wayfair {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} Comenity Bank/ Victoria Secret {$770.00} XXXX {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.
Consumer complaint received 2023-01-11
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: U.S. BANCORP (WV)

Upon researching my credit report I uncovered a charge off account reporting delinquent monthly payments. This is reporting as Elan Financial Services, a subsidiary of US Bank. With zero of this account, I attempted contact via phone in XXXX & XXXX of 2022, yet was never able to make any progress. Using the phone number on the tradeline, I called, albeit I would always get a US Bank employee on the phone. Every time they would act like they haven't even heard of XXXX XXXX. After multiple failed attempts at reaching someone on the phone, I sent a series of certified letters in XXXX and XXXX of 2022 to XXXX requesting validation and/or information related to this account. I also detailed that if the account is indeed mine, that I would be willing to pay to resolve the matter to stop it from negatively impacting my credit profile any further. I never received a response from these letters. In early XXXX I finally received a call and spoke to a nice woman named XXXX at XXXX. I asked if she could send me verification of this account such as the credit card agreement that I would have signed, and she agreed to do so. Unfortunately, I never not received this. I called back in yesterday to the same number I spoke with XXXX on and the representative I spoke with acted as if she had more pressing matters to deal with rather than take my money to settle this. She insisted on trying to hurry me off the phone. At the end of each sentence she tried to end the conversation. I was ready with card in hand to pay something, and she didn't seem to even want to take the time.. At this point I explained I was still waiting to receive a copy of the credit card agreement so I can verify this is actually an account of mine, to which she responded that she would submit to have it sent to me again. I asked what if I do not receive anything, then what, and her response was " I do not know sir ''? I want this resolved.