davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (ID)

Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.
Consumer complaint received 2022-07-25
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

This complain is about the dating service XXXX XXXX XXXX i just moved to XXXX from XXXX, I am single I wanted to start dating. I saw this dating service on a magazine on XXXX XXXX. 

I called inquire, I was told they will provide me with in person dates with all the qualities I was looking for. 

12 dates - 6months. I agree to pay. {$3200.00} on XX/XX/2020 Starting match the next month. Covid happens things shut down and as a XXXX XXXX I told the dating service this was a terrible time and I will Like to cancel my services. 

I was completely told I wont get my money back. I reach to my bank, to see what can be done to help me get my money back. But since it was during the Covid the response time was so long, so I reach out to the dating service again in fear that I wont be able to get my money back and was set up for an alternative video date with someone who doesnt live in XXXX in which one of my 12 dates was to be someone who lives in XXXX. It was always to be in person and not video. 

I was completely dissatisfied with their service. Chase bank reach out to them and they still denied to reimburse my credit card. 

I was completely taken advantage of by this dating service and I looks like I cant even get the help I need. My 6 months expires in a month and with that said I will be left to pay {$3200.00} for the worst service in my life. 

I will like you to please take a look into this. Chase bank have tried all they can. I still have the charges on my card.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (VA)

I am filling this CFPB complaint against Equifax since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to the XXXX XXXX to make sure that my concern is rectifide. The account is I am disputing is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Now that this account is only reporting in Equifax and I don't know how they allow XXXX XXXX to continue and report this account as verified. I wanted to make sure that this account will no longer show in my next credit report. I sent direct certified mail to dispute this account to XXXX XXXX. Below are inaccuracies that continue to report in my credit report. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same account and account number so how can the balance be changed if you are claiming the account as verified as accurate. 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by XXXX XXXX in this account to end up to the balance of {$920.00}. 
3. Equifax agreed to the reporting of XXXX XXXX that this account was fully verified then how did the balance change to {$300.00} after a few months? No date of last payment reported in this account so please verify and validate why the balance that ends up as {$300.00}. 
4. This account was acclaimed by XXXX XXXX in XXXX and I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
5. Equifax continues to allow XXXX XXXX to violate my right that drastically affects my credit score. This mistake can be prevented if Equifax only takes time to investigate and review how this company reports this account. And I need this to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.
Consumer complaint received 2024-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (ID)

Shellpoint purchased my loan in XXXX of this year. I received my first statement that had an amount due as of the first on XXXX. I made that payment online, via their payment portal. The amount populated matched the statement amount and that amount was deducted from my bank account. After months of the company accusing me of missing payment, they have now said I have made a partial payment and have yet to apply my original payment to my account, which is resulting in a 30 day delinquency as well as interest accruing. Apparently the amount drafted on my statement changed AFTER I paid my bill. I have had many phone calls with no resolution.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MD)

Hello, I discovered on my credit report that a collection debt was listed under CREDIT COLLECTION SERVICE ( CCS XXXX XXXX XXXX XXXX, XXXX, MA XXXX ) for the amount {$300.00}. I never received written or electronic debt notice informing me of the debt and why I now have this debt. I only discovered the collection account once I viewed my credit report. I was never told by CCS that I have 30 days to dispute the debt. Once the debt was discovered, I informed CCS that the debt did not belong to me and disputed the account on XX/XX/XXXX. I was told once the debt was paid it would be removed from reporting. During that time, I requested validation of the debt and still have not received that validation as of XX/XX/XXXX. 

I kindly request that the debt and collection account be permanently removed from my credit report.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (MA)

Return items to store for full refund on purchases. Credit lender " MyECP '' kept multiple pay your way payment plans instead of the one for the item purchased and one plan belonging to item. This created two plans with monthly charges, one with the incorrect amount of months listed, increasing the payment amount due to less months with a higher payment. This was not the agreed upon payment plan. The company refused to resolve this matter after multiple attempts, first time stating that the plans were incorrect. Now dealing with incorrect fees and payments and creating a hardship due to false reporting.
Consumer complaint received 2022-06-29
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. (CA)

This has been the NUMEROUS request that I have been a victim of identity theft but 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 accounts 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 accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This has been the NUMEROUS request that I have been a victim of identity theft but 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 accounts 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 accounts listed below in my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX NEVADA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-15
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. (FL)

I would like to request for the removal of the erroneous information about my accounts that has been neglected by Experian Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my Experian Credit File. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX Opened XX/XX/XXXX Balance {$3800.00}
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (GA)

XX/XX/XXXX I XXXX {$200.00} to a tattoo XXXX for a deposit for an appointment. The XXXX then canceled the appointment and told me theyll refund my money and didnt. They blocked me and ignored all messages. I tried to dispute it with my bank but they keep denying my dispute knowing that I was scammed. The XXXX  email is XXXX XXXX
Consumer complaint received 2022-06-28
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-16
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX CONSERVE ( Original Creditor : XXXX COMM COLL OF XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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. (FL)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2021-10-03
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: Pressler & Pressler, LLP (NJ)

Pressler is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe XXXX XXXX XXXX They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. Pressler XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Consumer complaint received 2022-06-22
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. (TX)

In accordance with the fair credit reporting act ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

My US Bank secured Credit card where I had to put down {$300.00} deposit was closed XX/XX/15 I believe I was told by US bank that I have to wait a full month for my account to completely close out. I had noticed on my credit reports that they just updated the status information as closed account because I put in a notice to update the information. I made a payment on my account the same day I asked to close out my account I've had XXXX  3 times and I multiple times asked for relief. I have been charged late fees and interest charges back to back since I have closed out my account with them. I got my balance down from the reported amount of {$320.00} to {$220.00} expecting them to use my secure deposit of {$300.00} toward this balance. No instead they have charged late fees and interest charges honestly it is down right ridiculous now my account has racked back up to almost {$400.00}. I have asked to please remove the late fees already no they cant is what they told me. I have talked to a lot of employees that had no idea of what the policies are for secured cards.