davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-06-11
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX -Acct # XXXX. XXXX ) XXXX XXXX-Acct # XXXX XXXX ) XXXX XXXX- Acct # XXXX XXXX ) XXXX XXXX. XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681c-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OK)

I contacted care credit mid XX/XX/XXXXto offer a settlement on my account they informed me it would be charged off sold XX/XX/XXXX ( somewhere around that time ). I offered them XXXX to not continue with selling it they said they would have to review the offer so I called back a few days later and they countered with XXXX. I requested them to send me a letter stating they would settle for XXXX and not be sold they told me they could not offer a letter as being paid but with the recording there is nothing to worry bout then after it was paid they would send a letter out stating settled paid in full and they would not sell. On XX/XX/XXXX I called and paid the XXXX via credit card. My credit was updated and I see that they had indeed sold my account after they specifically said they would not I contacted care credit and filed a complaint and report to be reviewed. I have not received a letter stating it was paid or anything. I feel lied and taken advantage of all at the same time. 
I am requesting for whoever it was sold to not to report it to my credit and for care credit to delete it completely off of my credit due to them not holding up to their end of the deal
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IL)

Out of the blue in XXXX I received a bill for {$1700.00} from BB & T (  Now Truist following merger with Suntrust ) on my monthly mortgage statement. The month before, XXXX, I received a more typical bill of {$330.00}. XX/XX/XXXX, I had mad a payment {$1000.00} and another on XX/XX/XXXX for {$2000.00}. So this {$1700.00} bill left me confounded. Upon contacting the bank by phone I was told that this was past interest BB & T had not been able to show on any previous billing statement, but was now possible because of Truist 's new software. But even on the XXXX statement none of the numbers add up in any understandable way. 
The Column showing the " explanation of amount due '' is indecipherable with any conventional math.BBT/Truist multiple times. I have been put on hold for hours while customer service representatives try to make sense of my account. 
Most recently I spoke with XXXX XXXX regarding the issue. Ms XXXX acknowledged that the bill was in disarray but said that prior to BBT joining Suntrust to become Truist, BBT had no way of calculating said suddenly due interest. When I pointed out that the bill in no way showed a logical balance she said she would escalate the issue to an accounting division to verify. Ms XXXX like other representatives promised a return call that did not come. 
On repeat calls to her direct line I have been routed directly to voicemail and have not received any return calls. I did receive two separate billing statements dated XX/XX/2020 in XXXX. XXXX had the amount due of {$73.00} and a second with amount due of {$1600.00}. 
In summary, I was receiving normal billing statements up until XX/XX/2020 when I was suddenly told I owed a large amount of interest that had never been referenced on any past billing statements. At no time has the bank provided me with a bank statement where the numbers balance and/or account for the " discovered interest ''. The Bank expects me to just pay {$1700.00} in interest they say they discovered during the merger. 
I will attach the statements from XXXX and XXXX as well as the two disparate statements from XXXX.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I was shocked to see your name on my credit report. I have never heard of RENT RECOVERY SOLUTIONS, LLC., You have never sent me any correspondence regarding this matter. I did a little research and saw you claim I owe a place called XXXX XXXX. I have never lived there. I did go there about 5 year ago looked at an apartment I didn't like it, I told them as much, and I lift never to return. I am Demanding Notice of assignment and Verification of the debt. I also intend to file a complaint against the Apartment Complex with the FTC unless this is off my 3 credit reports, as if it were never there.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. 

The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute 537.012 governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. Needless to say I did not have {$100.00} because I only had what was left for me to pay the lender. 

Furthermore, my car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Consumer complaint received 2021-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I just recently reviewed my 3 credit reports after disputing several incorrect items on my report for months. I reviewed these reports from XXXX and still see major errors that the bureaus refuse to properly investigate and remove. I've disputed these incorrect items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as contacted the original creditors my mail requesting billing activity statements, itemized statements of amounts they claim I owe and proof of contract. There are incorrect names and addresses still listed on my reports, which is ridiculous and show blatant errors. The only spelling of my name that should be reflected on my reports is the name on the passport ID I've attached and the only address that is my current and only address is the one listed on the proof of address paystub I've attached. any other names or addresses reporting beyond this information is inaccurate and needs to be removed from my reports immediately. 

There's a collection account being reported on my XXXX report from XXXX XXXXXXXX XXXX XXXX for {$150.00}. The reporting shows that this is some attempt to collect on a medical debt owed to a doctor. I have a receipt showing proof of payment made DIRECTLY to the doctor 's office/original creditor, XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX.I attached a copy of my receipt to this complaint. This collector, XXXX XXXXXXXX XXXX XXXX  does not have the right to report or continue attempting to collect on a debt that I don't owe them and that I paid off to the original creditor. It isn't legal for them to report this collection as paid or report a payment date when I did not pay their company. I paid my doctor 's office directly in person. This is unacceptable and yet XXXX and XXXX  still reported this inaccurate collections account on XX/XX/XXXX this year AFTER this debt has been paid to the original creditor. 

Then, there are major inaccuracies and discrepancies in the reporting of these alleged charge-off accounts with XXXX and XXXX. XXXX  doesn't report an account number on the XXXX account. There should be a specific account number listed for any accounts reported to my credit. This is just ONE of several inaccuracies on this account and my reports even after the credit bureaus claimed reinvestigation. 

XXXX  and XXXX XXXX accounts are reporting incorrect late payments. The bureaus are reporting this information incorrectly and inconsistently across the bureaus. It's clear they did not truly complete an investigation of my multiple disputes based on the errors that remain.
Consumer complaint received 2021-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I contacted Navient via letter informing them that I did not take any loans while a student at XXXX XXXX XXXX. Their response was that the loans were valid. I then contacted their loan investigation department to find out more information about these loans. The loan investigation department sent me an email stating that they do not have any federal loans on file associated with the school in question. XXXX. XXXX, XXXX I sent Navient another debt dispute letter along with a copy of the email that was sent to me from their loan investigation department stating that there was no federal loan on file for the school in question. Navient 's response was that the loans were valid as they stated previously from the first response.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-07-07
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i filed cfpb case # XXXX transunion sent another letter stating it is verified. they provided the bankruptcy information but AGAIN did NOT provide any proof of how they verified this information. legally it must come off of my report. i will attach my documentation from the that same court which states that they do not share or release information with third parties which would include XXXX XXXX and transunion. They are required to obtain verification directly from the source which would be the court in this case. the last line of the courts response states that they do not provide information to credit reporting agencies. They are not allowed to go by public record alone as there can be errors. I demand written verification from a representative of the court that verified that bankruptcy. My documentation shows that the court will not give that info to the cra, therefore, By law this must be removed.i am publishing the complaint this time so that people can see that what they are doing to people and so they can learn from it.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

This is now my third complaint against Binance, also my third time submitting with XXXX  Each time they respond to the complaint, but then drop off the face of the planet afterwards. I am owed XXXX dollars after being charged twice back in XXXX. it's been almost three months and no understanding of this on their end. 

I've provided a bank statement showing the charges, after initially trying to reverse the charge -- which resulted in my account with them to be frozen, with over XXXX dollars invested now with them. 

The lack of follow through shows this companies lack of interest in giving me the money that they overcharged me for, then penalized me for when trying to resolve with my own bank. 

Refund me my money please. I will be filing a complaint with my attorney general. This is absolutely ridiculous!
Consumer complaint received 2021-01-09
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX the XXXX  Fire started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted Citi Cards to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.
Consumer complaint received 2021-05-26
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. (TX)

To whom this may concern all 3 bureau XXXX, Experian, and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted Trans Union via phone XXXX and chose to hold my place in line due to long hold times. I received a call back in less than 5 minutes and since caller ID on my phone is sometimes not helpful I answered the call and the representative asked how she could help and I explained I needed to temporarily unfreeze my credit for my credit to be ran by my credit union. She asked for my name, phone, and SSN, which I stupidly gave her. I think asked why her number showed up as " XXXX ''? She said she didn't know and I hung up. But she already had my information. The number she called from was XXXX.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems creditors has put a {$68.00} debt on my credit report including and left derogatory remarks on my XXXX XXXX credit history for a company I never heard of called XXXX XXXX and never received a bill from this source. I called Transworld Systems twice. They couldn't find anything on me through my name, ssn, address, nor phone numbers and refuse to clear that off my credit report. They told me to call XXXX XXXX for an account number and to call them back with the number. How XXXX must I be if they couldn't find me anywhere in their system. They need to be reported to XXXX. I am highly upset.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NY)

I began my refinance with Freedom mortgage in early XX/XX/XXXX. All documents requested were provided to Freedom Mortgage by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I was not asked to provide an additional items and was informed the refinance with moving forward. I had been requesting status by email on the following dates : XX/XX/XXXX, XXXX & XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. A detailed or proper response has not been provided. 

During this period my wife had no choice but to purchase a new car and take out a loan. However, her income is not being used to process the refinance. I have provided the information regarding the loan but was told an initial credit check was needed. We began this in XXXX and I have not provided any information why the initial credit check was not completed. The other item is an initial title review. The title report was available in late XXXX. Therefore, the initial title review has been delayed over a month. 

We continue to pay a higher interest rate and are looking for new employment but this is delaying us making any moves to help better our lives.
Consumer complaint received 2022-04-28
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. (WI)

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX 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 an account without my written instructions.