davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

My name is XXXX XXXX I am on XXXX XXXX XXXX XXXX Georgia XXXX and been waiting on my way2go debit card from gdol and haven't received it and it's almost XXXX and would like a call I called customer service no answer on more than one occasion
Consumer complaint received 2018-03-01
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. (IL)

have complied with request from all three credit bureau agencies and they have not processed fair accurate disputes to have information removed from credit files ... .. XXXX XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Bankruptcy that are reporting on my credit file are all invalid, not reporting correcting and are not mine the account numbers, dates, account themselves, and amounts are reflected on wrong credit profile have submitted police report and ID theft Affvd please see attached.
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (AL)

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 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

According to fcra, i may prevent businesses from reporting information about myself to consumer reporting agencies if I believe the information is a result of identity theft. I contacted LVNV FUNDING with a certified letter on XXXX XXXX with my identity theft report and my proof of identity asking for them to stop reporting this debt to all three major credit bureaus immediately as this was a resuly of identity theft. They received the letter on XXXX XXXX. This needs to be removed asap as the credit bureaus are telling me that they need to remove the account.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

Re : incorrect information dispute for Social security # of Amex Account XXXX I have to followup with th CFPB after Amex failed to respond to my repeated letters and phone calls. I am complaining to you to remove the following false information I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : Amex Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IL)

XXXX sold its services to XXXX after the buyout. XXXX has absolute crap services. They then sold the local towers to XXXX. Which dropped my service for several months. XXXX then forced me to get their sim card. Which Absolutely did not work. For 2 weeks I had no service at all. While XXXX XXXX overseas staff kept trying to " verify '' my service on my phone. WHEN MY PHONE XXXX DIDN'T WORK AT ALL. Making me go out and buy an entirely new pre-paid phone just to speak to them. 

They were so ignorantly stupid and couldn't figure out basic english to understand that the SIM CARD, did not work. So they COULD NOT text me a verification code. They would repeat it over and over, even their idiotic managers. They couldn't find out a way to Verify who I was, without the SIM card phone being able to get the text. They couldn't sent me the sprint sim cards, because all the networks were on XXXX VAST largest network ever. Which didn't work in my area. WHY? Because they sold the towers to XXXX. 

Over the 3 months, I demanded refunds and for them to cover the costs of the items on the account. They put a LOT of credits on the account because the nonsense of having 3 months of no service was absolute XXXX. After they issued the largest credit, I waited 2 weeks. The issues were not resolved when they sent the new sim card. AFTER TELLING THEM FOR 3 months that the T-mobile sims do not work in my area. They were too XXXX to figure it out and sent me MORE XXXX sim cards. 

I ported my account after paying the last bill and making my account XXXX balance. And went to another company. 4 months of no service was absolute XXXX. 

After I ported, They reversed the credits and then tried to charge my account and tried to claim I owed them for phones or other devices that weren't paid. Yet when I directly ask them about the credits. They claim they saw them. But see that they were reversed. 

Then it's not my problem. They reverse the credits. It's their issue. I'm not liable after 4 months of no service.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have no recollection of these inquires. I have added a separate document outlining the inquires that were added to my credit report. My identity theft report is included with this complaint. I would like these inquiries removed.
Consumer complaint received 2022-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Bank of America ave us a schedule of payments and then they changed them by sending monthly notices shown different amounts. Sometimes they were higher and sometimes lower.We always paid the scheduled amount. As a result in some cases we underpaid and some we overpaid The overpaid money went to pay down principle and the underpaid amounts were given a late charge. We paid all these extraneous over charges separately. We want back the amounts paid to principal immediately and while they keep sending us statements I have no proof that they returned the money to me that was used to pay down principal. Because of this I may not have enough money to pay the regular mtg payment Thank You
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 — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/2020 I asked about getting a forbearance however when the representative said that after the end of the 3 months I would have to pay all the missed payments if I didn't want it to show on my credit report. I told him that wouldn't help me and that I was going to keep making my payments. He never told me that there was going to be a forbearance note on my credit report. 
Also, I have called 5 times in the past 3 weeks asking to cancel this and they keep saying they are going g to send it but I have not received it. I asked again for them to send a confirmation it was sent and she said she was going to call me back and never did. I have been transferred to other debts that can't help me. I NEED HELP ... they are standing in the way of my mortgage refi that would lower my rate from 4.5 with mtg insurance down to 2.99! The refi company needs the letter ... now.
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Consumer complaint received 2018-12-04
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. (MO)

I keep getting told that I will received a reinvestigation if my dispute of XXXX XXXX from Transunion but they have not and wont reinvestigate like Ive told they will and have not been helped in trying to resolve my issue.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Erc Opened XX/XX/XXXX + {$58.00} Original creditor : XXXX XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ERC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.
Consumer complaint received 2021-01-11
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. (NY)

I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I payed of my car loan with XXXX XXXX on XXXX XX/XX/2020. I have called XXXX XXXX only to be hung up on three time. After I talk to a phone agent. I her about have issues with XXXX XXXX not reporting to credit bureau twice in the pass. I got a call today XX/XX/2020 and explained that I payed of this account and Im buying a new car. I ask if they would please report account pay. Well she told due to covic it will take some time. I explained this problem had been on going since I purchased the car. I need XXXX wto report my account pay. ASAP!!
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting a collection on my file that needs to be removed. I took a look at my credit file and noticed this debt reporting. I immediatley called and settled it with them. However, I was unaware of this collection and was never given a proper 30 day right to dispute. When I called and spoke to the person on the phone regarding a deletion letter they told me that I had to request for one in writing and I did so and never heard back. I'm not sure if they never received it or just ignored it. However, I have settled this account and am now asking that they please remove the account from my credit file. I am aware Mountain Land has the ability to remove these because they are the original furnisher. Please remove it.
Consumer complaint received 2020-10-29
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: EQUIFAX, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reported XXXX  XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-07
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. (NC)

In reviewing my Experian report I noticed multiple accounts that do not belong to me.I have contacted Experian and they are doing nothing about. this issue. The accounts in question are XXXX XXXX XXXX, XXXX XXXX? XXXX XXXX, XXXX? VT. I spoke with XXXX in the Special Services department and was assured this matter was going to be habdled. It still has not been handled.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-22
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. (TX)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-11-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I spoke with XXXX XXXX on today XXXX XX/XX/2020 once again to verify if they had received my insurance payment from XXXX XXXX XXXX insurance. 

The associate advised me that XXXX would continue reporting me 60 days past due even though that had received a payment of {$4900.00}. I was advised payment would only go to principal and not the past due. 

I am reporting XXXX for two reason. 
Predatory lending : I was put into a loan on a used vehicle without GAP insurance, but an extended warranty which I paid for two years ago. I have had my loan for 2years and owe more on the car than initially purchased. 
Second reason : Poor Credit Reporting, any payment made on a loan is typically reported to the past due. 

Car loan also would not consider lowering the monthly payment to at least 80 % less considering I no longer have a care. 

Please advise if this if fair is considered Fair Lending practice. I feel this is a discriminatory case as well because I am a XXXX young male. 

Thank you XXXX XXXX
Consumer complaint received 2020-07-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OH)

I am writing a complaint with Freedom Mortgage. They reached out to us to refinance our home. They came to our home 2 months ago and we signed the closing papers and a Notary signed and stamped papers as well as myself and my husband. They called about 4 days later said they sent the wrong papers. So my husband is out of town during the week for work he took a Friday off and thats the last time someone came out or even tried to get a hold of us. I have been calling and emailing the company for 2 months now. They told us a few times during me reaching out to them and that to not make out XXXX house payment because they messed up and they also spelled my last name different then my husbands. So for months I have been speaking to so many different people and I have everything wrote down with all info and names. So then after I keep calling and emailing they then said that they would have to start the process over but we had to make XXXX payment no matter what so we did they also said it wont go against his credit cause this wasnt our fault and that they were starting the process over. So again didnt reach out to me so I have reached out to them more then all I have already said. So again today I called and said no one has reached out to us and its almost the XXXX of the month and once that hits we have to start over again. This is all on their part and then he says we have to make XXXX payment and then they will start over again so this has been going on for months and I have tried to reach out to them more then I should of had to. So we decided that we were gon na go thru another company and because of Freedom Mortgage we can not because they said we were late on XXXX payment so it dropped husbands credit score XXXX points. I have never Dealt with a company like that before. No one is ever on the same page and you have a ton of different people telling you different things and none of them have even Spoke with each other about the situation. There is so much more information that would be better to speak with someone.