davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WA)

I have disputed this information for 4 months now regarding the 2 bankruptcy on my credit file. I have asked the bureaus for proof showing the bk were mine and no reply .. all they sent was a remot back with them on it. They cant verify bankruptcy with a court house or a third party and never gave the information i requested. Who they verified with and did they verify the whole ssn number? they didnt This has ruined my credit
Consumer complaint received 2017-08-04
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. (GA)

My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2020-10-20
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. (TX)

Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

Failure to complete 605b block to finalize the remaining XXXX accounts. I have uploaded mailed and faxed. I have been denied credit due to failure to complete these blocks.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

I have submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per XXXX FCRA : Collection Account professional XXXX associates {$980.00} XXXX bank charge off XXXX {$2500.00} Synchrony Amazon Card chargeoff
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I received a collection notice from Collection Information Bureau Inc for a service that I did not receive at a Hospital I have never been to. I tried to contact the Creditor ( XXXX XXXX XXXX ) but there is no number to be found. I called my insurance company and they have no record of it also.
Consumer complaint received 2022-01-07
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 (TX)

XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by XXXX. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. Bank of America unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed BAC account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

XXXX XXXX, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.
Consumer complaint received 2020-09-17
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: SIMMONS FIRST NATIONAL CORPORATION (MA)

On or about XX/XX/20, I used my Simmons Bank credit card to make an online purchase a {$74.00} item from merchant named XXXX XXXX. 

On or about XX/XX/20, the item had not yet arrived and the seller had not responded to requests for an update, a complaint was filed with Simmons Bank. Case #  XXXX. 

Sometime near XX/XX/20, a letter was received from Simmons indicating they did not believe a billing error has occurred. This finding was based on tracking documentation - a copy of which they included with the letter. 

Upon receipt of XXXX letter and upon review of the documentation it was clear the shippers documentation indicated the item had been sent to an in XXXX, CA, the other side of the country from where I live. 

I called the dispute resolution department and provide documentation proving my shipping address was NOT XXXX and the supposedly the case was reopened. 

Several calls over several weeks asking for updates, etc. finally resulted in being told It is too late the case is closed!!! 

Attempting to escalate the issue, I requested to speak to a supervisor and was told that one was not available and I would be called. 

No call came and the next day a supervisor was still not available and I made an appointment to receive a call the next day. That call did not come and I called again. That call resulted in a promise that a supervisor would call before the end of the day. 

No return call has been received.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans union / XXXX XXXX are not reporting the same information which is very inaccurate, for the company XXXX XXXX notwithstanding the fact that XXXX not reporting at all THE DATES ALL OPENED " are inaccurate Trans union XXXX XXXX XX/XX/XXXX / XXXX date is XX/XX/XXXX and XXXX shows nothing at all on this report the charge off dates are incorrect Trans union has XX/XX/XXXX experian dates XXXX XXXX, and XXXX shows nothing XXXX you can't charge off twice in 2 different years also the dates of last activity are different.
Consumer complaint received 2023-01-27
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: CITIBANK, N.A. (FL)

Detailed description and back-up info attached. 
I went to sign up on XXXX to watch a football game that was starting. I had problems between putting info into computer & television. Before anything else could be done they required credit card info and accepting terms & conditions ( several hours of reading in length ). I never completed requesting before it got to the fourth quarter. I did not realize I was considered signed up until the credit card statement. I cancelled immediately, but they never acknowledged. Even after XXXX efforts on computer and on the phone, I still have no email confirmation. I ask for these to be credited. 

In addition, per the info XXXX sent to CITI the credit card showed {$64.00} as the monthly payment. At that time {$64.00} and {$69.00} were their highest charges. There are also not supposed to be taxes added. The overcharge was {$110.00} when it should only have been {$64.00}. I attached several pages from their website showing {$64.00} over and over. The {$64.00} is already far higher than any other streaming service.
Consumer complaint received 2023-01-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My Mother, XXXX XXXX XXXX owned a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX She died on XXXX XXXX in that home without a will and not telling me, her only surviving heir that she had a reverse mortgage.I have been living in that home since XXXX taking care of her. I found out by one certified letter addressed to her and a second certificate letter addressed to Occupant about the Reverse Mortgage.But because I was not named on the original loan application, she couldnt talk with me. I tried to explain to a representative of PHH the situation and that I was trying, unsuccessfully to find a lawyer ( between XXXX and XXXX ) to file an Affidavit of Heirship in order to sell the house to pay my Mothers outstanding debt. I have just now found a lawyer. We will meet this Tuesday ( XXXX  ) to file an Affidavit of Heirship to be able to move forward with the sell of the house to pay the outstanding loan XXXX XXXX
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MA)

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
Consumer complaint received 2022-04-05
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. (GA)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2020-11-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (SC)

I am a federally protected consumer and Santander Consumer USA has violated me under the provisions of 15 USC 1692, 12 USC 1431, 15 USC 1681. Please review the attached documentation.
Consumer complaint received 2024-02-19
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc. (OK)

I never received card from Revolt I then went threw ap and reported card lost never received per the ap the card was deactivated but yet they otherwise push transactions not one email not one phone call not stopped by there security team XXXX XXXX was billing my card with another company accordingly the card with Revolt was on the XXXX XXXX ap as a secondary I had no concerns because I paid the fees at check in with the card that worked now either the manager or someone at choice was double charging I sent over all documents to Revolt showing the double charges and why would the let a card reported lost still accept transactions I also asked why wasn't I contacted I got lame excuse my point is the card was deactivated weeks prior so I don't I feel I owe XXXX on a card they have that was reported lost and deactivated a month prior nor. Should I have to waist my time to dispute this this is there fault I deactivated card per XXXX this a scam Revolt uses to get business or money that they fully never deactivate card Revolt needs investigated and I sent over my receipts they can deposit it bring my balance to zero this is there fault period
Consumer complaint received 2021-05-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

Re : Attached SunTrust Mortgage Inc. 
Loan Modification Agreement # XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX PLEASE ADVISE THE STATUS OF THE ATTACHED LOAN MODIFICATION AGREEMENT. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (FL)

A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.
Consumer complaint received 2022-04-05
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 was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2017-08-04
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIRST HAWAIIAN, INC. (CA)

I leased used car with first Hawaiian bank XXXX unfortunately I have have to out of country for a while so I returned to bank and I 'm back to home XXXX and bought new car at that time, I found out from insurance company. They said, company paid for this so they want to ask pay back so I paid by monthly with insurance payment. 
So I called bank explained, what happen and what I want to. 
But on my credit file still showed balance {$3200.00} and will be moved XXXX. 
I believe, bank cover the money anyway and I covered insurance company damages. 
So, I 'm requesting this matter should disappeared now. 

Thank you
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX XXXX  account. To XXXX XXXX XXXX XXXX XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until XXXX got hacked and a bunch of us got hacke d and now my credit is back to XXXXXXXX XXXX 
XXXX needs to fix all of this instead of just giving me XXXX on a claim.