davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (ND)

On XX/XX/2018 a settlement agreement for my Barclays account was made. The agreed settlement amount was {$910.00} and the payment needed to be made by XX/XX/2018. 

Payment was mailed ( by my sister ) check # XXXX, on XX/XX/2018 and check was cashed by Barclays. Account number was posted in the Memo as they had requested to ensure it was applied to the correct account. 

I disputed the charges and XXXX XXXX  XXXX  connected with Barclay 's and they refuse to acknowledge payment and this is still showing on my credit report as in collections owing the full amount.
Consumer complaint received 2023-04-03
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. (NC)

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX ; XXXX XXXX XXXX Account 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. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; No consumer reporting agency may make any consumer report containing 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 1681s-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 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-25
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 submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XXXX XX/XX/XXXX XXXX, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2017-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NH)

Flood in XXXX 2017. Insurance awarded XXXX towards project. Dovenmuehle would only release 1/3 of funds until 50 % completion. No contractor would agree to this. We used our own funds to complete the project. Project was done on XX/XX/XXXX. Upon 100 % we passed an inspection that took 1 week to schedule. On the XX/XX/XXXX we asked for fund to be overnighted so the contractors could be paid in time for XXXX. Five calls were not returned. They claimed if I needed it sent overnight I should have sent an envelope for that. However they never called to inform me of this. They sent the check with no tracking through the postal service on the XXXX. I have a contractor threatening to sue me as he can not provide XXXX to his family and will have waited over 3 weeks for his payment. Dovenmuehle takes 0 responsibility.
Consumer complaint received 2021-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I never received any notice or call from the company Portfolio RC. I had a credit card with XXXX XXXX years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for Portfolio RC.
Consumer complaint received 2020-07-06
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: ONLINE Information Services, Inc. (NY)

I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was granted a loan modification but could not afford the new, modified payment, I have entered into the short sale program with Shellpoint and submitted a fully executed offer today, the XX/XX/XXXX. My sale date is in three days and I am imploring you to postpone it so that I may liquidate my home and move on. Shellpoint will retain much more money this way and it will spare me the tragedy of being foreclosed upon. My agent will get you anything you need and is the one who has saved me from being foreclosed upon, to date. I am fully on board to sell and just need a bit more time to allow you to process the short sale file.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

I have a debt from the XXXX XXXX  XXXX that was paid in XXXX of 2020 by deposit at a XXXX XXXX branch. The company ideal collection services has placed the debt back on my credit report despite having a record of the deposit. The debt was for XXXX dollars. I paid XXXX, they have made no effort to contact me regarding this debt. Attempts to contact them has resulted in them hanging up on me and them demanding that I provide them part of my social security number by unencrypted email. I have offered to visit in person with photo ID and they declined.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

I am a user of TCF bank which is a small bank located in Illinois. I already close the overdraft function in my account. 
On XX/XX/XXXX, I made two transactions to pay my electricity bill and credit card by using TCF, which is overdraft and TCF charged me {$74.00} fee twice overdraft. 
On XX/XX/XXXX, I am using the TCF bank to make a payment which is {$8.00} and they charged me a {$37.00} overdraft fee. 
On XX/XX/XXXX, I made a payment to my friend which is {$570.00}, and {$570.00} was not successfully transferred to my friend, then they still charged me {$37.00}. 
Then on the afternoon of XX/XX/XXXX, I received two letters from TCF bank and stated that I have three overdraft fees ( XXXX ), which means the last one they have not send it yet. 

I already close the overdraft function when I open this account, how can they still overdraft. 

They are located in Illinois, they spent about 12 days ( XX/XX/XXXX to XX/XX/XXXX ) sending the first letter to me. However, when I activate the Apply pay in my account, I can receive the letter notification sent by TCF bank within two days. Spending 12 days to receive the overdraft letter, rather than call me immediately. 

I have registered my email account for online banking. But I have not received any emails telling me that I have overdraft. However, I have changed the online banking email account to a new one. My old account still can receive their advertisement frequently. Even my old email account can receive your advertisement emails, why you are not able to send me the overdraft information. 

I also installed their mobile banking app, I have not received any notifications about my overdraft transactions. 

Transaction failed even charged over draft fees. 

After I received the letters and contact immediately, they insisted that they can reverse {$65.00}. 
Then I agreed because I am worried about they will charge me more fees.
Consumer complaint received 2021-11-28
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. (CA)

In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX  disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.
Consumer complaint received 2021-07-12
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: EOS Holdings, Inc. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-21
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. (NC)

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XX/XX/XXXX, Equifax and XX/XX/XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Consumer complaint received 2021-02-03
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: Santander Consumer USA Holdings Inc. (TX)

There was a data breach with XXXX  credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called Santander Consumer USA to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with Santander, but they keep asking for more information from XXXX. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on XXXX This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.
Consumer complaint received 2021-02-02
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 (GA)

I made capitol one aware of charges that i asked a company called XXXX not charge on my card. On XX/XX/XXXX there was correspondence between myself and XXXX XXXX employee XXXX about my financial situation due to covid they offered me a lower price to keep my business and XXXX proceeded to ask me if i wanted them to charge the card ( my capitol one ) on file. I texted XXXX at XXXX no do not charge the card on file I will uses a different one. XX/XX/2020 he proceeded to charge my card twice for XXXX a piece, the same card i texted not to charge. Contacted capitol one to dispute charges. they took them off and then proceeded to put them back on. XXXX texted me on XX/XX/2020 we have received 2 charge backs on your account and we are terminating your account affective immediately! So it was terminated and capitol one is saying it wasnt. they wont refund my money.
Consumer complaint received 2022-04-02
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. (NY)

I am XXXX XXXX, and I am submitting this complaint against Equifax let it be clear that there is no Third Party involved.EQUIFAX doing business as Equifax Information Services LLC Located in XXXX GA has numerous inaccuracies on my consumer report and has failed to properly investigate my complaints for the past 7 Months. In the exhibit most recent attempt to address on how Equifax verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). Delivered on XX/XX/2022, and after 24 days On XX/XX/2022 you will find the response from Equifax pertaining to confirmation number listed on the Equifax claimed to have verified accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear EQUIFAX has been negligent in this matter and failed to conduct a proper investigation on the accounts. I Have conducted my own investigation reviewed my consumer report and in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report that have been hurting my ability to obtain credit or services fo my use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaacurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate payment dates, along with accounts that have several other inaccuracies per account ( EXHIBIT PROVIDED ). I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) GIVE EQUIFAX MY WRITTEN INSTRUCTIONS I DEMAND EQUIFAX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS! THIS HAS GONE ON WAY TOO LONG ENOUGH! EQUIFAX IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE ASSUMED. EQUIFAX IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}. THESE INACCURACIES AND INACCURATE ACCOUNTS HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS BY CREDITORS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE.I EXPECT YOU TO RESOLVE THIS MATTER EXPEDITIOUSLY.
Consumer complaint received 2021-02-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

In XX/XX/2020 I engage with Golden 1 to refinance a loan they currently held. In XX/XX/2020 I raised my concern with the loan officer XXXX XXXX when I noticed property tax request for funds in the refinance at the same time that the original loan was set to pay property taxes. I was very clear that Golden 1 should coordinate as to which loan would pay the property taxes ( between the original mortgage and the refinance ) so as to avoid a double payment. Loan officer XXXX XXXX assured me a double payment would not be made. Golden 1, did in fact, double pay my property taxes ( approximately {$5100.00} out of the original loan, and the second approx. {$5100.00} out of the refinance loan ). Since XX/XX/2020, I have engaged in 36 telephone calls with Golden 1 in an attempt to obtain reimbursement. Golden 1 has provided a variety of responses including certain dates that I should receive reimbursement. All of the dates have passed without payment.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX  to delete this account/item within XXXX business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!