davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi Transunion has a 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 710. transunion has me at a score around 592. 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-04-25
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. (NY)

XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Validate Account XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I made a payment with my debit card to Capital One for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 
Capital One has been calling us looking for their money and when they call, we contact the XXXX bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and XXXX trips into the bank, have been told there is nothing XXXX can do at this time. 
Capital One has received their monies and nothing they XXXX XXXX that XXXX XXXX. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 
I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the Ist payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off ) now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Strategic Alliances, Inc. (AL)

XXXX from XXXX XXXX called me. I called back the # XXXX said I owe money from 2018 because of a payday loan from XXXX XXXX. I have never heard of or used My XXXX or XXXX XXXX. XXXX had all my information including where I work,, my address, and social security number. 
I told him it's fraud I've never used these companies. I hung up and called back XXXX minutes later. A man named XXXX picked up and called me XXXX. I do not know XXXX. I talked to XXXX again and he told me that guy was mistaken and he ( XXXX ). Was turning over information to my employer and authorities.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC (DE)

Personify Financial has failed to give me any formal contract or documentation for our settlement agreement which started on XX/XX/XXXX. I called in on XX/XX/XXXX after being invited to accept it and the representative set it up so my payments would be automatically processed and my final payoff would be on XX/XX/XXXX after 3 payments of {$200.00}. They advised me that the confirmation would be sent to my email however it was never received. In XXXX the 2nd payment was due on XX/XX/XXXX but it was not automatically processed and I manually had to pay it on XXXX. On XXXX I called in because I was charged twice and spoke to XXXX and she authorized a refund for the second charge. On XXXX I called again because I had not received the refund, this time the rep and their supervisor told me that they could offer a refund of {$99.00} OR to settle the account out. I told them they made a mistake because my refund is for the full payment of {$200.00} because the final payment was automatically taken out on XX/XX/XXXX, so my account is settled. They told me that they have no evidence of a phone call with XXXX in their system and that within 24 hours I would get an email for an evidence request. I never received one. On XX/XX/XXXX I called again and briefly spoke to XXXX before the call abruptly ended. I called back and the rep XXXX informed me that my account was locked so he couldnt look into it and that I would need to call back within 2 hours and wait for his request to unlock to be approved. XXXX called back shortly after and said that because the XX/XX/XXXX payment did not process, my settlement agreement was cancelled. She said her supervisor reviewed the audio and that the representative who initially set up the plan did not complete the credit authorization which is why on XX/XX/XXXX nothing processed and that voided the settlement contract. They insisted that my payments are not part of the agreement and I am back in debt with them. I asked for the supervisor name and if I would be able to review the calls myself because I was never told about this authorization issue from XX/XX/XXXX even though there have been several phone calls since then XXXX hung up and I received no call back. It seems to me that I have been deceived in multiple ways. They have failed to provide my agreement, they will not release any information about my phone call records or supervisor information, and have denied existence of a past call despite me having a feedback survey invitation from the call. The customer service representative failed to provide me with the information necessary to protect myself in this agreement and I should not be at fault for their negligence.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (VA)

This is 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Consumer complaint received 2022-06-14
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)

I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Data Mortgage Inc. (TX)

The house was sold on XX/XX/2022 and the amount Essex Mortgage stated needed to be paid was on the pay off letter. Then they sent me a notice that I still owed over {$27.00} XXXX dollars for a place I havent had since XXXX. XXXX title company paid an additional amount to make sure everything is cleared and they are still reporting that I owe {$350000.00} for a place that has been sold for XXXX months. 

They do no communicate with their customers very well, especially during Covid, and dont communicate internally to show that the house has been paid off. All loans are cleared.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Nissan just reported ( XXXX XXXX ) a " 30-day late '' on an account for which I paid off the car loan with a trade-in with a local dealer in XX/XX/XXXX. How is that even possible? Plus, looking at the reported credit history, it shows inaccurate/false information ( i.e. three consecutive " 60-days-late '' marks between XXXX of XXXX. Since this latest " XXXX late '' is so egregious, I DEMAND each of these inaccurate late payments be removed IMMEDIATELY. XXXX  is obviously violating the FCRA and deliberately trying to sabotage my credit.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I had credit cards with XXXX XXXX and Best Buy. 
I had been paying XXXX XXXX on time but I hit hard times and still paid the minimum on time and quickly paid off the balance. As soon as I covered the balance they let me know they closed my account because they foresee me being a risk. The card was only {$200.00} and I was on the mend financially. 
Best Buy was worse. I sustained my card payments through XXXX with minimal income. As I was recovering physically and financially they closed my card but held on to the benefits... .for themselves. I decided I would pay at my convenience monthly only to receive an email and a PHONE CALL to inform me I am LATE and was charged a LATE FEE. After stating my concerns regarding the unfair and borderline illegal practice the representative granted me the courtesy of refunding the fee.. I was appreciative but still disgusted that these large companies seem to have traded their moral compass for the ALMIGHTY DOLLAR. 
Previous to this encounter I spoke with someone at the corporate level at Best Buy who directed me to the bank that offers the loan/ credit ( citibank XXXX This rep explained to me that it's only FAIR that they treat all their customers the same... so if a customer has a credit score of XXXX it's not fair that a customer who's credit declined deserves to have a card. ... WE JUST SURVIVED COVID!!! And a customer with a score of XXXX qualifies for probably a few XXXX verses little me with just {$500.00}. As long as both are amicably maintaining their balance there is no reason to pull the rug!!! 
There is a Bible story about XXXX. He did a terrible thing and just couldn't see it while he was in it. So XXXX sent a prophet to awaken his conscience by telling him a simple story : There was a man who had lots of sheep ... a rich man. Then one day the rich man saw a simple man with one little sheep ... healthy and just beautiful. The rich man was overcome with the desire for his one sheep so badly that he had the simple man killed so he could have it. When XXXX heard that story he was so angry because it was unfair... .he demanded that man be brought to him to be punished for this act. Then XXXX said ... '' thou art the man! '' Well I'm definitely no prophet but I think it's fair I get to keep my 1 little sheep and those who have many sheep keep theirs. Big companies should know fairness breeds loyalty and loyalty increases profit. XXXX has had issues in the past and maybe still do ... .but they worked with me and helped me through COVID... .so did XXXX Bank XXXX Best Buy and XXXX XXXX didn't even offer the bare minimum. I'm sure this has happened to others. Please use you influence to assist us as we all recover from a challenging 2 years. Have these companies revise their fine print and treat customers the way they ( as real people ) would like to be treated. Thank you for you time and anticipated Effort.
Consumer complaint received 2022-04-20
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. (IN)

In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but XXXX and Experian denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (NY)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My issue wasnt about credit report being inaccessible. The issue is my credit report is FROZEN and I cant unlock it online. Also Im unable to submit a collection dispute through the online portal
Consumer complaint received 2024-12-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (FL)

In XXXX of XXXX, I viewed my credit report and noticed a collection account from a Third party collection agency " Diversified Adjustment ''. 
Between XXXX XXXX, and prior to those dates. I never received a bill, text or email from XXXX or Diversified Adjustment ; stating that I owed {$140.00}. I NEVER rec 'd any notification or correspondence at all. 

Which best describe my problem? I never rec 'd notification of this alleged debt. 

Have you already tried to fix this problem w/the company? No, the company " XXXX '' forwarded it to the 3rd party debt collector and CRA 's .
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (IN)

In CFPB complaint number XXXX against XXXX XXXX for selling inaccurate data about me to other companies was closed with company response on XX/XX/2022. In that response both bankruptcy records they sold to Experian, XXXX and possibly XXXX XXXX was indeed inaccurate and erroneous, in turn they removed both records. On XX/XX/2022 Experian responded to my dispute of these items that the supplier of the information ( XXXX ) CERTIFIED that the data was correct and belonged to me. I am wondering if these items were removed by XXXX from their records how could they certify these same items to Experian 9 days later? It is clear Experian is WILLFUL in the neglect of the inaccurate data on my credit report. I want it removed immediately! They have 10 days before I file lawsuit.