davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Over time my capital one credit card was fraudulently charged {$1000.00}. When I tried filing fraud/dispute claims, capital one wrongly held me liable for the fraudulent charges that I didnt commit.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXXXXXX XXXX XXXX  acct # XXXX {$530.00} reporting as open account and collection account, XXXX XXXX XXXX, acct # XXXX {$750.00} reporting as open and collections account. XXXX XXXX XXXX  acct # XXXX {$470.00}, XXXX XXXX XXXX acct # XXXX $ XXXX acct XXXX XXXX {$500.00}, XXXX XXXX XXXX acct XXXX XXXX {$470.00}, reporting as open and collection account., XXXX XXXX XXXX  acct # XXXX {$390.00}, According to law 15 US Code 1681-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of 30- day period beginning on the which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (PA)

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 2021-05-19
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. (MI)

On XX/XX/XXXX there was in inquiry that appeared on my Equifax credit report that I did not initiate. The company name showed XXXX XXXX XXXX XXXX. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-02-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (TN)

This is a new complaint about a complaint filed XX/XX/2023, # XXXX. Shellpoint continue to send treatening letters to escalate and continue to send strangers to my home takeing pictures to my home in what I perceive as an effort to intimidate me. I am a XXXX XXXX XXXX XXXX and Shellpoint company has a aggravated my condition to the point that I am XXXX XXXX! please refer to file # XXXX XX/XX/2023 for details of my complaint,
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (WA)

On XXXX XX/XX/XXXX, I established banking relationship with TD bank in XXXX XXXX, FL ( branch XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I opened a checking account type 'TD Beyond Checking ' and enrolled in the cash bonus reward promotion program. The program has no promo code required at the time of the opening, I simply research this program on TD bank website and see which option is fit to my financial situation. The individual banker who opened named XXXX XXXX, position Customer Service Representative, XXXX ID # XXXX confirmed that the account was opened and enrolled in the this particular cash bonus promotion. 
This promotion requirements are : 1. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD XXXX XXXX account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 
2. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. 
XXXX. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. 
XXXX. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. 

On XXXX XX/XX/XXXX, I made a first direct deposit of {$1300.00} into the account. 

On XXXX XX/XX/XXXX, I made a second direct deposit of {$1400.00} into the account. At this point I had {$2800.00} into the account which meet thus first criteria. 

Then, I was expecting the latest earning date of XXXX XX/XX/XXXX for the {$300.00} which is more than 140 days as stated in the criteria. 

However, I did not receive anything after the above date. Thus, I called the bank to see what is problem. The representative sent an email to Marketing and Promotion department for my case. I still did not hear anything back, neither an email nor a phone call from this bank, for my case after almost two months. I called them today and received the answer that My account was not qualified because I did not have a directly specific promotion flyer that was issued in my name and sent to my mailbox at the time opening '. This answer is completely untrue because there is no such criteria as this in the requirements that posted on TD Bank website.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by XXXX, Experian and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX and Experian have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities.

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (FL)

In Florida, Credit Card Debt Court Judicial Order stays 20 years with added fees, taxes and interest annually. Even when the Circuit Small Claims Court Action criminally violates Social Security Retiree and Disabled War Veteran Federally Protected from collections benefits which the Judge may verbally dismiss. Attempts to remedy by contacting attorneys, and Florida State Officials including the Attorney General as Florida Law also forbids actions against these fixed incomes meets with terminal despondency. 

I logged the complaint with The United States Department Of Just a number of times seeking enforcement of Federally Protected Social Security Retirement and Veteran AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX I survive on since XX/XX/2010. Single, age XXXX with no savings account living month to month. But the Department Of Justice failed to respond I supplied the Court with documented proof of Social Security and XXXX War Veteran XXXX Benefits that she verbally dismissed in XXXX Court Appearance threating me as a Defendant as a typical default " No Show '' waiving any and all defense ruling for the Plaintiff systematically. in Florida 's XXXX XXXX XXXX XXXX XXXX XXXX. Then came Final Order ruling a debt collectable for 20 years with accumulating fees levied against exempt income willfully and wrongfully that nobody I contact, to date, assists me in remedy. I remind them I am a 100 % rated VA XXXX XXXX XXXX XXXX  and all of this complicates and compounds my XXXX XXXX  defeating my regular XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is always ignored contacting a malpractice law firm attorney to bring action only ended up with " you have no case ''. My credit rating was maintained at XXXX when Discover Credit Card  refused me twice on a debt consolidation loan which caused the crashing of my credit rating and default. There are two ends to any credit agreement yet for more than five years and all litigation Discover and the Circuit Court only support one and roil over me. 

Discover Credit Card has stalked me for going on five years unlike other credit card banks they staff a field of collections attorneys nationally and pursue greater profit yields for investors by singling out weak credit accounts then pursue civil litigation against the card holder, menacing unrelentingly.
Consumer complaint received 2022-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Bank Online Payments Due Are Different From Account Statements Payments Due The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

The XX/XX/XXXX payment due was reported as {$2500.00} Online, and as {$1500.00} on the account statements. 

Attached please find a spreadsheet comparison of the online and statement particulars as well as the specific bank information. Excessively padded real estate tax escrow reported online accounts for most of the differences.
Consumer complaint received 2024-03-05
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. (GA)

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by TransUnion, XXXX and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

TransUnion and XXXX have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities. 

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (TX)

This complaint is related to my Chase Auto Loan below : Acc Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX XXXX never reported my auto loan & my auto loan never appeared on my XXXX Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like XXXX to adjust/amend my XXXX report to reflect my Chase auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with XXXX directly, and also with Chase, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, XXXX XXXX
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-04-07
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

Had a new tenant pay me {$1400.00} through Zelle to put a security deposit on a lease on XX/XX/2021. Got a notification from XXXX XXXX XXXX  that the transaction had failed. The new tenant stated that her account is with XXXX  XXXX XXXX and that her bank is telling her that they had withdrawn {$1400.00} from her account to pay via Zelle. Zelle does not have a customer service department to call to find out why the payment has been declined. Since the Tenant is trying to fund a contract and it is not funded it will void her lease agreement. Her scheduled move-in date is XX/XX/2021.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Merchants Credit LLC (IL)

Merchant Credit LLC has listed 11 collection accounts appearing on my credit report. They are all medical debt and all under {$500.00}. They disappeared for a short time, but they have reappeared. I had to dispute them to have them removed the first time. They should be removed as they are medical bills and all under {$500.00}.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

This has been disputed since day one. I know that they made false claims to try and receive money for an amount not owed. I have never received a bill or anything else showing why it is owed. I have asked many times to see original bill but never provide one. Ask many times to take to court but they will not because it is not a legit bill. XXXX  has removed it but XXXX  will not.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90-120 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. Also, XXXX  ; Experian and XXXX  are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

Completed 3 modification trial payments XXXX XXXX, XXXX, XXXX XXXX, 2021 and XXXX, XXXX all 3 trial payment in the amount of {$1600.00}. Received final modification documents for my mortgage it is a balloon mortgage. My previous mortgage was a fixed term FHA mortgage and to accept the balloon note is setting me up to lose my home. Resubmitted mortgage assistance request. Fixed term again for the 3rd time received a denial letter for 1st request to have a fixed term mortgage. I have resubmitted my request again I don't want to lose my home.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following acct attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

1. Statements/ billings for months already paid and payments cashed.

2. Late statements.

3. Inaccurate totals on statements.

4. Extra principle payments misapplied to wrong accounts.

5. Failure to correct statements after repeated phone calls.

6. Cashing monthly mortgage payments weeks after mailed.

7. Failure to respond to written letters.

8. Past due charges made on payments already received.

9. Failure to adequately service my loan