davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I believe Experian is purposely and unethically preventing my credit score from raising above XXXX. This has been going on for a year ever since I made complaints about numerous issues regarding their credit reporting habits. No matter how many accounts I pay, account closures, new open accounts, or credit usage adjustments I make. Experian reports items late, not at all, does underhanded tactics right before positive account history or new accounts will appear in order to lower my score beyond a reasonable number just to bring it back up to XXXX. 

This company will not cease these behaviors. PLEASE TELL ME WHO TO REACH OUT TO. This has to stop. Its illegal. This is retaliation because I have made prior complaints and grievances regarding the FCRA. No other credit bureau is doing this. Who can help me because nothing is being done and I have no choice but to use a service that is taking advantage of me, my personal information, and my financial stability. I am open to a class action lawsuit.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the date of last payment remains incorrect and the account status and monthly payment amount remains incomplete, in which is inaccurate.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid 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: Chime Financial Inc (FL)

On XX/XX/XXXX a merchant that I am unfamiliar with charged my card for {$1400.00}. This merchant was not authorized to charge this card, and I by attempted to use the merchant to do with this process, but all they use our chat bots who are completely useless under the banking laws. I am entitled to receive these funds back immediately as it was an auto authorize fraudulent charge. I should not have to wait six months for an investigation to get this money back as its been taken from a prepaid account which is tied to my checking account please in sure these funds are deposited back into my account in a timely manner. I do not know this merchant I did not authorize XXXX to charge my card.
Consumer complaint received 2023-05-12
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. (NV)

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX XXXX. Upon reviewing my credit report from XXXX and Equifax, I noticed that there are two different dates of last activity being reported. XXXX lists the date as XX/XX/XXXX, and Equifax lists the date as XX/XX/XXXX. It also lists the account status as open on the report for Equifax and closed for XXXX.
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (NJ)

On XX/XX/22 I sent a notice to Nationwide Recovery Systems , LTD stating a I did not recognize debt I allegedly owe on a medical bill. I still don't know why I owe it as no information was provided to me. I requested validation and verification through certified mail within 5 days business days stating I WOULD pay the debt if it was mine, but I needed verification. They did not send it and reported me to the Bureaus without warning. My score went down XXXX points because of that. I will take legal action in addition to this action if this is not fixed urgently. I have copies of everything and will be able to prove when I received notice of their letter at my new address they dismissed my letter which someone signed for. I know my letter was valid because I used the template provided by consumer affairs and modified it to meet my needs.
Consumer complaint received 2023-01-29
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)

If, after my reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Accounts being disputed : ( 1 ) Account name- XXXX XXXX XXXX XXXX XXXX -This account is showing date opened in XXXX This is not correct. I did not open this account. 

( XXXX ) Account Name- XXXX XXXX Audit Account number-XXXX XXXX account does not belong to me.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-08-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (RI)

Yesterday I received an email stating to check on my account with Avant. I was from XXXX and XXXX. 

Ive never done business with this company and it looks like their phishing to gather information from a ton of people. Hundreds of not thousands of people online reported the same email yesterday as well. Their customer service hung up on us twice and we waited about an hour each time. I think there might have been a data breach somewhere. Can you please look into this?
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

This is the third complaint we have filed. We have completed fourteen trial payments for a modification that was to have been completed after three trial payments. Each of the trial payments was made timely each month. The modification was approved originally in early 2020. After the last complaint the company responded by saying a task was set on XX/XX/XXXX, to post those payments. The completion of system maintenance will take approximately another month ; however at that time you mortgage account will be current. Your mortgage account will be reported to the credit agencies as current during this period of time. 
I contacted the loss mitigation department today and they said it would be some time before the paperwork was completed and they are waiting on third party approval. Citizens One bank has continuously XXXX  during this entire process, and is engaging in deceptive business practices by refusing to complete the modification that was approved.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (MO)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; CAPITAL XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( XXXX in bankruptcy ) ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (PA)

Opened a secured credit card account with US Bank with the idea that I can get into a regular credit card with the bank. Made an initial deposit of {$300.00} and have paid the account current since opening. Have actually paid off the card every month after use, was advised that I can put in a request for a regular credit card on XXXX. I put in said request but was denied stating that they are going by my credit history however I have other cards that I use in similar fashion. I believe it is unfair of US Bank not to take into consideration the history I have with them personally rather than them focusing on others that is not relevant to my account history with US Bank. Furthermore items in my record are not accurate and are being disputed, a fact that US bank is not taking into consideration.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (GA)

On XX/XX/2023 the merchant XXXX issued me refunds in the amounts of {$42.00}, {$6.00}, {$11.00}, {$40.00}, {$15.00}, {$46.00}, {$41.00}, {$42.00}, {$11.00}, {$38.00}, {$12.00}, {$10.00}, {$46.00}, {$41.00}, {$15.00}, {$33.00} totaling {$460.00} back to the card that was fraudulently charged to card ending in XXXX. XXXX emailed me and told me that they attempted to process the refunds but the financial institution ( Cash App ) declined/rejected the refunds. I reached to cash app multiple times after speaking with XXXX  and then advising me that I needed to reach out to the card issuer about why they rejected/declined the refunds. I have done that multiple times and either Im given some bogus excuse from cash app or Im recieved replies back about something not even involving these refunds. I have provided cash app screenshots of the correspondence from XXXX yet Cash App is trying to place the blame on XXXX the merchant instead of researching and resolving my refunds being posted back to my account so that I can cash out. It seems as if Cash App has received my funds from XXXX and is fraudulently trying to keep them instead of posting them back to my account. XXXX has assured me multiple times that they have attempted to issue the refunds back but the card issuer keeps rejecting the refunds back to my account that XXXX is sending over willingly. No dispute claim or any of that is involved in this matter. This is a refund solely from the merchant. That Cash App is refusing to post to my account. Cash App customer service seems like its all being ran by AI because the repetitive irrelevant responses I receive are so far off from my issue or always end with no type of resolution but all automated responses. At this point XXXX cant help but to assume that Cash App has stolen my funds that XXXX refunded me because they have not posted to my account as of yet. XXXX XXXX is the agent for service of process for Cash App and if need be I will take cash app to small claims court if this matter isnt resolved within a timely manner.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ... 


I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received. 


I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since. 


On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report. 


After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager. 


EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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 2022-07-18
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (AL)

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2022-10-07
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. (UT)

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX  should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Consumer complaint received 2022-08-21
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. (AL)

Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the companys mail the account number and date of last payment remains in error, in which is inaccurate.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

I have provided a copy of the wire transfer showing that SLS rejected the payment. SLS did not inform me of the rejection of wire tranfer. Account number has been verified as correct there was no reason for SLS to reject the payment. SLS does not have record of rejecting payment but the Free pay wire transfer provided a copy of the rejection from SLS stating wrong account or account closed. The account number is correct.