davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: AMERICAN EXPRESS COMPANY (NV)

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. 160 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 2020-07-14
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. (FL)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2018-06-13
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. (TX)

I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at XXXX point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9.  XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2021-07-14
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. (AL)

I mailed TransUnion a letter XX/XX/2021 that I reviewed my credit report and found unauthorized inquiries on my report. I let them know that these inquiries were unauthorized and to investigate and delete if inaccurate. They replied back to me that " Your written authorization may not be required to constitute permissible purpose. '' I called them and asked to investigate with the company to verify the information. I was told that I am to do that and not them. I wrote them another letter asking to investigate and delete if inaccurate. Did not hear anything back, so I called again. Was told the same thing. I am to do that and not them. They do not investigate inquires.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

Chase Bank closed my credit card account last year for non-payment. They have since charged off the account. According to the Fair Credit Reporting Act all information reported to credit bureaus must be consistent and accurate. Chase has been reporting inaccurate and inconsistent information to XXXX XXXX XXXX XXXX, etc. Neither XXXX nor XXXX list the date of closure. XXXX and XXXX list closure date as of XX/XX/2020. According to the Fair Credit Reporting Act, all reported information regarding accounts must be consistent and accurate across all credit reporting agencies. Also, Chase has continued to report payment history to all credit bureaus after the account was closed. Chase has reported late payments after account closure. Furthermore, Chase Bank has also continued to report an outstanding balance on this closed and charged-off account. This is another violation of the Fair Credit Reporting Act. I can not have any late payment history nor outstanding balance on a closed account. The Fair Credit Reporting Act states that any credit accounts that are inconsistently and inaccurately reporting to the credit bureaus must be removed from all credit bureau records. Due to these inaccuracies and inconsistencies, I am requesting monetary compensation in the amount of {$1000.00} as well as removal of this account from all of the multiple credit bureau records. This account has also contributed to me not being able to acquire new credit during this past month. If this account is not removed from all credit bureau agencies ' records within 30 days, I will seek further legal assistance and compensation.
Consumer complaint received 2021-02-27
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)

Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have sent multiple letters to Experian with the last being sent on XX/XX/XXXX.I have asked that the following inquiries be verified as authorized by me.

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

Our mortgage service company was changed from XXXX to PHH. All of a sudden, we received their statement wanting for us to pay more into an escrow account. This is a big surprise. We never agreed on an escrow account. We have been managing our taxes and insurance by ourself and none was late or anything. We have not received any communication from PHH about what happend and why we must pay more into this new escrow account. 
We used to pay {$2400.00} per month ; now they want us to pay {$3400.00}. This is a big increase we are not prepared yet. We are surprised at this escrow. We will call them ( PHH ). in the meantime, we want to pay the $ XXXX/month. Is it OK? In other words, can PHH force an escrow account on us without our consent? Thanks for explaining to me why is this possible?
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (VA)

Phoenix Financial Services I disputed them 2 times through XXXX  and it didnt help I call Friday XX/XX/XXXX and the women was very rude and said she cant discuss my concerns with me wont me make a payment and I told her I dont know of going to the doc and told her I dont go to XXXX if I did I need some documents showing my signature or proof and she said no they didnt need to do that and this has really messed my credit up
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

XX/XX/XXXX through XXXX XXXX, I contacted a young lady and her boyfriend about fixing my car. XXXX XXXX  XXXX XXXX XXXX. They checked my ac ( because that was the problem ) & they told me it was the compressor. They did not provide me with proof of how much they paid for the part! They just provided me a screen shot from offline stating they have an account with XXXX XXXX store and does not have a physical receipt. ( thats weird because I ALWAYS get a receipt from the auto part store ). I asked for a refund more than once and I was unsuccessful! So I reached out to cash app to help and they did not show any regards for my situation. To make matters worst, they did not ATTEMPT to investigate! They just denied my dispute and asked me to ask the recipient for a refund. Like she was going to give it to me, that was the reason I reached out to cashapp! They can accept your money but not investigate a dispute. Especially it being my FIRST and ONLY dispute with them! They told me its nothing they can do and they refuse to help me. So I need options on what to do next
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

My last payment of a ) 5 interest purchase was sent on Wednesday XX/XX/year>, marked as received on Thursday XX/XX/year> through my bank. Due date of the payment was Saturday XX/XX/year>. The payment was posted to the card when they processed their transactions on Monday XX/XX/year>. I have used this timing for payments in the past with this credit card and have had no issues. A late fee was assessed to my account. I contacted them and they waived it as a " courtesy ''. A few days later I see a {$2.00} interest charge due to the late processing of my last payment for the 0 % interest term. I contacted them again to waive the {$2.00} which should not have been charged as the payment was submitted and received by the due date otherwise it would not have been applied to my account on that Monday. The CC company told me I needed to make my payments at least 10 days prior to the due date. In the world of immediate payments that we now have, this is ridiculous. I instructed them to close my account. I asked them to log a formal complaint which they told me I needed to do in writing only. I feel that they should have to log a complaint in any format that it is received. XXXX  XXXX, chat, email, or letter. They need to be held to a higher standard and they need to be accountable for their processes, especially when they negatively affect the consumer. I would like an investigation into their practices and fees, including late fees and interest on the late fees and balances which should not have been considered past due. I would expect this to be a pervasive issue which has been going on for a long time.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

Took out a title loan from Wilshire Consumer Credit in XXXXXXXX XXXX XXXX for XXXXXXXX XXXX against my title loan for my vehicle. Paid back entire balance in XXXX XXXX XXXX. 

Company had reported it as paid off/never late and released my title. I received a notice that account was satisfied about a week after making entire loan payoff payment. 

XXXX says XXXX payment that I made prior to final was returned and they added interests and late fees to that amount that they say " returned '' Have made numerous calls and sent emails and disputed with credit bureaus but never have received a clear answer. 

Have disputed account several times but with results always in their stance and favor. XXXX XXXX XXXX has repeatedly ignored and affirmed their reporting to the credit bureaus.
Consumer complaint received 2021-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-07-14
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)

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 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, TransUnion, and XXXX are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.
Consumer complaint received 2021-08-08
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. (CT)

I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Norwich Commercial Group, Inc. (CT)

I called XXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (FL)

When I opened my account with Ally ( formerly XXXX ),  they were representing themselves as a NO TRANSACTION FEE banking alternative to the traditional greedy way banks operate. In particular I asked it Wire Transfers, In and Out, were free of fees and was told YES. Over the years I have and continue to have funds wired INto the account and on occasion, I wire funds OUT of the account and as it was represented, there were no wire transfer fees. 

That was until yesterday when I processed a Wire Transfer OUT of the account. They charged me {$20.00} to process the Wire Transfer transaction. This is ILLEGAL and what is referred to as BAIT AND SWITCH. 

I DEMAND my {$20.00} refunded and an additional {$60.00} to cover the time I would otherwise not have had to spend calling them and now having to process and submit this complaint due to their illegal and greed Bait and Switch tactics. 

TOTAL DEMANDED : {$80.00}.
Consumer complaint received 2024-05-21
Product: Credit 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: DISCOVER BANK (PA)

Transaction Information : Bank : Discover Amount : {$330.00} Merchant name : XXXX # XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX Dispute Number : XXXX I've had a Discover Credit Card since XXXX, and this is my first time disputing a charge EVER. My credit card was stolen and within minutes of receiving an alert for a charge bigger than {$100.00}, I reported my credit card as stolen and once the transaction was no longer pending, I disputed it. 

This transaction was in another state, I have only used this credit card in this department store just XXXX other time, and that time was in my home state ( PA ) for an amount less than {$50.00}. 

Moreover, I almost never used this credit card outside online shopping, last time I used it for something besides online shopping was XXXX months ago, it is really frustrating being a loyal costumer with no history of creating disputes, a transaction that is out of the ordinary, and yet having Discover flagging this transaction and valid.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MO)

XXXX is adding fees, and interest to a balance that should have ceased due to the pandemic and the president extended the cease on student loans. 
I am still getting emails, and XXXX is still calling my phone and my message number to harass me. 
It seems that nothing is being done to this company no matter how many times I file a complaint.
Consumer complaint received 2020-07-15
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. (AR)

THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX # XXXX Ref # XXXX shows a balance of {$1200.00} which was sold to a collection agency by the name of XXXX XXXX according to a notice I received on XX/XX/2020. Account XXXX/XXXX  # XXXX shows a balance of {$410.00} and was sold to a collection agency by the name of XXXX XXXX XXXX according to a notice I received dated XXXX Ref # XXXX. The Account XXXX/XXXX  # XXXX has a balance showing {$6200.00} and was sold to a collection company by the name of XXXX XXXX Ref # XXXX according to a notice sent to me dated XXXX. These collections are not currently appearing on my credit due to fraud but for some reason Experian continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$26000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of Ed/XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.