davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: U.S. BANCORP (FL)

Inquiries added to my credit report that were not authorized. 

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 2020-08-24
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. (MI)

I have sent letters to XXXX and Transunion about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-07
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. (FL)

so here we are again, for the 10th time and several years running that experian REFUSES to fix a fraudulent entry in my credit report. a few months ago filed the 9th complaint with the CFPB against EXPERIAN and EXPERIAN comes back with another lying XXXX   excuse why they are not doing anything. this latest excuse is that the credit card company cant get a hold of me so EXPERIAN will not change the fraudulent record.

here are the facts AGAIN. someone took out a XXXX card in my name FRAUDULENTLY. for years i have provided proof that the XXXX   card was not taken out by me, was not used by me, was taken out by the criminal that filled out the form, that was used by that same criminal. all of this has been proven with the documentation - event providing WHO committed the crimes. XXXX  and XXXX, with this proof, have removed the fraudulent record from my credit report. but given lie after lie after lie, experian refuses.

it is NOT my responsibility to chase down XXXX or anyone else to remove what is in EXPERIAN 'S records. what if discover ceased to exist? how then would the invalid record be removed.

i have demonstrated now so many times that a fraud was committed and that EXPERIAN is perpetuating the fraud and that it refuses, UNLIKE THE OTHER TWO AGENCIES, to remove the fraudulent record so EXPERIAN is also guilty of fraud.
Consumer complaint received 2019-05-29
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2021-03-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

On 2018 I took out a loan which supposed to run smoothly but was nothing like that, XXXX have to paid off the loan which I couldn't use, and the amount that I paid so they stopped taking around XXXX $ monthly payments from my account was {$9600.00}, I thought at last everything is done with them, and NO, surprise when I wanted to sell the house, the house still have a mortgage on it, I have all the documentation to prove otherwise, and goin by the reviews on their sites, XXXX, XXXX, XXXX  they do it frequently, scaming people and rushing them into foreclosures, I'm glad I'm not in that position but I can imagine how that can't be, in their site seems that many people lose their homes because of them. Is unlawful to take homes of people XXXX.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA terminated my account for filing a complaint for turning me into debt collection and terminating my account without cause. My father fought in the Korean Wat which is why I had an account with USAA to begin with. However, much like the VA USAA has decided under its new CEO to treat members of veterans like trash. I have attempted to login to pay towards my credit card and now I cant even login and I get letters from USAA that prides themselves falsely so that the take care of veterans and their families that I better pay or else. This conduct is outrageous and constitute harassment. Do something about it or I will turn it into the Attorney General.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My mortgage was with XXXX lending Loan care originally and I had called them during the COVID Pandemic crisis and let them know I wish to apply for forbearance which they had said they would look into it and has verbally agreed that I would actually be qualified for 180days period and they would discuss closer to 180 days for further extension if need be so due to my financial hardship.But after couple of week my mortgage services was switched to a new company PHH mortgage company.I had  to reapply for forbearance again and this time they only gave me 3 months for forbearance and have asked me to do a balloon payment at the end of the period Without giving me any options nor did they discuss any other resolutions. I am not happy with the current service provider and wish to have my original servicer to take care of my mortgage needs.If mortgage companies decide to switch companies amongst themselves there should be some discounts to the consumer as this is a ploy to harass us!
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NV)

On XX/XX/2020 I reserved a room athe the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX CT XXXX XXXX NV US from XX/XX/XXXX to XX/XX/XXXX 3 nights. My discover card was charged XXXX on XXXX  XXXX and although the was a non refundable note there was also I a Refund policy due to Covid. I checked in on XX/XX/XXXX and stayed 1 night. I was in fear of the Covid out break so I requested to check out and the front desk agent assured me that my card would be refunded. I have a letter from the General Manager of XXXX XXXXXXXX stating that the refund was issued to XXXX  XXXX. On XX/XX/XXXX I returned to XXXX XXXXXXXX XXXX because I was unable to find a more suitable place and I was told that since they refunded my original reservation I was charged again for the additional 2 nights. So I was charged twice. I contacted both companies and Discover refuses to refund the charge although XXXX XXXXXXXX issued it to XXXX XXXXXXXX. PLEASE HELP XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
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. (TN)

I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, XXXX AND EXPERIAN REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.
Consumer complaint received 2020-07-22
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: BBVA FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and XXXX XXXX XXXX, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-compass bank-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXXXXXX Account XXXX Routing # XXXX FRUAD EMAIL USED-XXXX XXXXXXXX
Consumer complaint received 2020-07-22
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: JPMORGAN CHASE & CO. (CA)

Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX  Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX  XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXX XXXX since XXXX. XXXX passed away in XXXX of XXXX and now XXXX XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Consumer complaint received 2020-07-22
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: Early Warning Services, LLC (CA)

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (FL)

This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc. (NY)

SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,
Consumer complaint received 2023-04-02
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. (FL)

I recently a copy of my credit report and was shocked to learn that, I have been a victim of identity theft. I found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of purchasing a new home for me and my family. Please remove all the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2020-08-27
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. (NC)

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of MyFICO which I pay {$39.00} for monthly to monitor my credit. For some reason, XXXX  continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet XXXX  shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX/XXXX  tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with XXXX, Experian, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. XXXX  and Experian have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and XXXX, but Experian still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX PayPal Credit account opened in XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX Many of the Paypal accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!
Consumer complaint received 2022-09-14
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. (AR)

Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, 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. 

I do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ADESA CORPORATION (MS)

PAR North America is attempting to seize my property on a debt that they can not validate nor verify. PAR North America has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
Consumer complaint received 2020-08-24
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: JPMORGAN CHASE & CO. (TX)

I bought a bike for 30 day trial from XXXX after which I return the bike during the trial. I hadnt received a refund so I filed a claim with the credit card. Now the credit card closed the dispute as they tell me XXXX says they have not received the bike however when I called XXXX they told me the only reason they didnt give a refund was due to the dispute. How XXXX said that yes they owe me the money because indeed they have received the bike.
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (VA)

I applied for a Discover loan. I have excellent credit ( XXXX ), but because I needed a slightly extended loan term, I accepted their loan offer of 12.99 %. 
My expectation was to pay the loan off earlier with extra payments toward the principal. My beginning balance was more than I borrowed, but my loan didnt have any fees. Customer service said that it was interest that accrued before ever receiving my first statement. My credit report showed that I had a larger balance than my loan amount. 
I continued to make regular payments that were larger than my minimum payment and noticed that my balance didnt reflect the extra payments toward the principal. I was sure to select the option that directed the additional funds to be applied to the principal balance. 
I used an amortization calculator to double check my math before contacting customer service again. The representative that received my call first tried to make me believe that there was no problem, but after walking through my calculation with her, she admitted to having brought up the misleading practice to management before. She said the only way around losing so much of my extra payment was to pay the extra via a separate transaction. 
For my XX/XX/2021 payment, I tried her suggestion, and it didnt work. I made my minimum payment before its due date, and allowed it to process, then made the extra payment on the due date. I realized that I lost about 22 % of the money I allocated toward the principal balance. 
This practice is predatory and misleading, and my payoff amount is always more than my principal. Ive never been late or missed a payment. 
I could really use your help. 

Thanks