davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX these accounts are not mine was fraudulent open I have police report and ftc report to prove immediately remove these accounts from my credit report immediately and return my score and profile back to normal
Consumer complaint received 2023-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

I have filed a dispute with the original creditor XXXXXXXX XXXX XXXX XXXX. They investigated my identity theft claim and responded to me by mail. XXXX And asked for you to remove your account from all 3 credit profiles XXXX XXXX and XXXX and stop attempting to collect any debt. Call them for verification of this statement. XXXX case # XXXX view attached documents.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax XXXX XXXX and XXXX  have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score 33 points down stating that it is a new bankruptcy when it is clearly not the case
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

Experian is not working I paying for it I calling theres no changes I havent seen no boost at all secondly theses collection even with my ss lock they reaching me and XXXX  online not working I have medical insurance so why all my medical expenses going away and coming back after dispute and my phone has not shown not one time on Experian I Ben paying it and XXXX XXXX I dint even knw what that is
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  Trans Union and experience have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX  points down stating that it is a new bankruptcy when it is clearly not the case
Consumer complaint received 2021-03-01
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. (GA)

XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case
Consumer complaint received 2020-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. IT HAS BEEN MORE THAN 60 DAYS WITH NO RESPONSE AND THEY HAVE NO DOCUMENTATION SO THEY NEED TO DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Consumer complaint received 2021-11-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (CA)

My reverse mortgage has been sold, as a result I am unable to draw funds from it since I have no information of how to do so. I have received statements from Novad informing of the sale but have been unable to obtain information other than that it was sold to XXXX whoever they are. Novd has a recorded message on third system stating that the note was sold on XX/XX/XXXX. I have not heard from them resulting in a financial hardship as I depend on this money to live on.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!
Consumer complaint received 2023-02-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK (SC)

Processor was assigned to my loan brokered by XXXX XXXX to Civic Financial Despite numerous attempts for updates, Civic Financial can only state that the loan is in underwriting as of XX/XX/23 This has already cost me in excess of {$6000.00} in interest and extensions.
Consumer complaint received 2021-03-01
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: SYNCHRONY FINANCIAL (PA)

I have disputed items since XXXX of XXXX ( possibly sooner, have to check the records sent to the co. over and over ) and have been passed back and forth many many times and waited on hold to be cut off after hours of waiting times and have talked with multiple cust. service agents XXXX confused which departments though as some were paypal and others XXXX 's bank " synchrony '' which is supposedly handling the dispute now XXXX and before ). So they tell me they " reopened the case '' again. I was told at the end of last XXXX that they " misfiled '' the papers I sent them XXXX or 3 times that included pics of problems, their forms with the co. listed etc. 
As of today, XX/XX/XXXX there is still no resolution to this dispute opened almost a yr. ago totalling {$980.00} for the various stores that did not refund spoiled or returned items as they should have and the stores all cited " covid '' in order not to credit after the fact.. 
The last pp agent I recently spoke with said my dispute was closed out last yr. but that it was odd that she could not find any resolution when they closed it out..so they once again reopened it In the meantime, the balance due on the account is LESS than what the disputed amount plus the {$19.00} interest they charged me on the XXXX statement and they want me to pay minimums and will continue to charge interest and report my account negatively to the credit bureaus due to their mistakes! contacting them doesn't help at all and I can't find my messages now either ( you could before they delete them )
Consumer complaint received 2021-03-01
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. (GA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. I have been a victim of IDENTITY THEFT and have supplied all the proper documentation to all XXXX bureaus on or around XX/XX/2021. To this date nothing has been done to protect me or my financial well being. It is well beyond the 30 day threshold and therefore every account requested should now be deleted!
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

So I applied for a XXXX  rewards card from chase. I got a notice that they needed more information so I called them. The woman on the phone told me that they felt I had too may credit cards. So is there a limit as to how many I can have? Who does Chase think they are to tell me how to manage my money? They never disclosed that there was a limit to how many cards I can have! Will this impact my credit report? Whats even on my credit report now?
Consumer complaint received 2020-10-13
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 am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ). I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to  me ( XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this  resolved since XX/XX/XXXX. The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent a verification of accounts request to TransUnion in reference to XXXX BK accounts that appears on my credit report with them. I have documentation that Transunion received the request for method of verification on XX/XX/XXXX. Allowing them the 15 days to provide the requested information. I then sent them a XXXX letter on XX/XX/XXXX asking them to delete the information as they never responded to the method of verification letter, for which they received this request on XX/XX/XXXX as per documentation. I then sent another request for deletion as per non response on XX/XX/XXXX for which they received on XX/XX/XXXX. Now in the cross I received a notice from TransUnion finally dated XX/XX/XXXX which is well after 15 days or even 30 days after receipt of the first request on XX/XX/XXXX, stating that the accounts were verified as accurate. However ; they did not include whom verified these accounts to be accurate. I reviewed my credit report and it states that TransUnion uses a third party to verify this information, however their letter did not state from who. On XX/XX/XXXX I called TransUnion and spoke with a supervisor by the name of XXXX who stated to me that they use XXXX XXXX as their third party verification and its just a computer base verification. So I called and spoke with XXXX XXXX and they started an investigation of their own as they state that they are the third party reporting agency for TransUnion. In the meantime I once again asked TransUnion to remove the accounts. On XX/XX/XXXX TransUnion sent a notice stating I could no longer dispute these accounts unless I had other/new documentation. I received from XXXX XXXX documentation stating they were unable to verify the validatity of XXXX of the accounts and have removed them from my report. I sent this information to TransUnion of XX/XX/XXXX with the documentation from the XXXX party vendor for which they stated they used to verify these accounts advising that per their investigation the accounts has been removed. TransUnion received this information on XX/XX/XXXX and still have not removed the accounts
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (IN)

On XX/XX/2021 I initiated a trustee-to-trustee transfer from UMB Bank to XXXX Bank for a specified amount. The form I sent to UMB Bank clearly stated the amount to be transferred and that my account with UMB Bank should NOT be closed. UMB transferred the entirety of my account balance to XXXX XXXX  and closed my account. They also charged me a {$25.00} account closure fee.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (OK)

XX/XX/2020 i ended up in the hospital with XXXX. I was in and out for XXXX months. then went thru XXXX until XXXX XXXX while I was in the hospital having surgery and recovering. they started calling at XXXX and called EVERY hour until XXXX. I got so upset I was screaming into the phone to stop calling me. Doctors and nurses witnessed conn 's harassment of me. I have call logs to prove how many times they called. I explained to them in the first few calls what was going on and id contact them as soon as i got out of the hospital and was able to do so. they refused to allow me to heal while in the hospital and harassed me. at this point i believe i dont owe them a dime since they broke the law. i even told them to come get their items and be done with it and they told me they couldnt do that. then i get a letter in XX/XX/2020 stating they would take me to court which i'm still waiting on. i'm ready to get a lawyer since they just called me again XXXX days ago. i am done with them.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX balance {$5700.00} XXXX XXXX XXXX XXXX balance {$64000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-02-01
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  XXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2023-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation (OK)

I have a debt that showed on my XXXX report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX  XXXX balance {$64000.00} BANK OF AMERICA XXXX balance {$5700.00} PXXXX XXXX XXXX XXXX XXXX balance {$20000.00} XXXX XXXX XXXX XXXX XXXX balance {$14000.00} XXXX XXXX XXXX XXXX balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I have been trying for over 2 weeks to pay down my mortgage to eliminate Private Mortgage Insurance. I have made dozens of calls to the servicer, M & T Bank, with varying degrees of difficulty and different information given that contradicts not only the mortgage documents that I signed at closing, but also the Homeowners Protection Act of 1998 as amended. I have explained EACH TIME that I sold my previous home and have plenty of cash to pay down the mortgage below 80 % LTV. The latest I received from M & T Bank is that the home would have to appraise for almost 25 % MORE than I purchased the home for 2 months ago. That is insane! And it is not in accordance with my loan documents or the Homeowners Protection Act of 1998. M & T Bank will not allow me to talk to via telephone anyone from the Mortgage Insurance " Department '' and can't provide any specific names to contact via any other means. They sent a letter stating that I could call the phone number on the letter, but the letter does NOT have a phone number on it. They clearly appear to be using my PMI as part of their profit center and NOT to protect the investment in the actual loan. Please help!
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I had a late payment for {$8.00} in 2018 XXXX, I used to have auto payment directly from my bank 's checking account. However, since back then I was back in school and I was having a really hard time balancing between school and work, I did not have sufficient funds in my account and I missed one single payment for {$8.00}.