davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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 Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My complaint is against Kohls/Cap1  account # XXXX. Since XX/XX/XXXX to XX/XX/XXXX. 2019 I XXXX  in XXXX  XXXX  due to XXXX  XXXX. There I was in a XXXX XXXX XXXX   which I had n access to internet, my phone, or any type of device that could make my payments. When I enter the XXXX XXXX XXXX I was aware about this and left my someone to make my payments, unfortunately that person had some issues trying to make the payments from XXXX, XXXX, XXXX. All 2019. That would had not happen if I would had been outside of the hospital. Please reasonable and either remove those negative marks or the entire account, for me there is no difference, I would like to continue making business with Kohls/Cap1 but if you guys rather close and delete account that is fine as long it does not affect my credit score. I have a couple of litigators that are willing to take this in contingency at a federal court, they see big chances in winning due to my XX/XX/XXXX, but I rather try to resolve this issue with Capital One and Kohls before I pull the trigger on the legal side. Thank you!!!
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Company froze my account stating there was fraudulent charges when there wasn't resulting in loss of time and money. Wells Fargo never offered to fix the issue, I have had XXXX or more fraudulent charges without them doing anything about the problem.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOMEOWNERS FINANCIAL GROUP USA (AZ)

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX, I started to build a house with XXXX XXXX. They could not do my loan because my business was just recently opened, so they referred me to XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got XXXX XXXX as my loan officer. In XXXX XXXX XXXX, once interest rate started going up, I decided to lock my rate, I put down ~ {$5400.00} as a deposit for lock rate extension. Fast forward, last month, XXXX XXXX started to collect my documents to get ready for the closing date on XXXX. He asked for 2 months bank statements, the last rental statement ( the house was rented out in XXXX ), and profit and loss statement from my business. He also gave me options for interest rate of 5.75 % ( which I was locked for ) and 6.5 %. At the time, I was already got approved from Home Owner Financial Group. 1 week after XXXX looked at all my documents, his concern was about my last rental payment of {$1900.00} ( it was {$3300.00} before ). He was worried about the high debt ratio that would affect my approval to the loan. On the other hand, he kept pushing me to pay for the appraisal. I got so confused, I wrote an email asking if my rental will affect my approval to the loan, and if he can send me decline letter. He called my next day and telling me that he will not give me the decline letter and I am approved regardless my high debt ratio. He was so rude and unprofessional, I told him I would not want to pay for the appraisal on a situation like this ; what if I would not get approved by the under writer and loosing my appraisal money. He told me to send in a new lease agreement which I do not have since I have no tenants at the moment. All he cares about is to move forward with my loan and put me to a situation where I can not get my deposit back and loosing my appraisal. On the other hand, he never sent the loan estimate which I kept asking for 3 times ( XXXX time via email, 2 times via phone calls ) He only provided emails in which some of fees included. This is totally against the law, not to mention about giving approval without taking a look at my file after knowing my tenants broke rental contracts. This is totally a FRAUD and SCAM. Please assist with this situation. I want my deposit of lock rate extension back. They are desperate of making money but not putting heart and professionalism into their work. XXXX even yelled at me in the phone. SO UNPROFESSIONAL, RUDE, AND LACK OF KNOWLEDGE. Never recommend them to anyone.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account. 

Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance. 

Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee. 

I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account. 

My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments. 

I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed? 

Thank you,
Consumer complaint received 2023-02-06
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OK)

When we moved from XXXX XXXX to an area oXXXX XXXX  XXXX, OK XXXX XXXX  was not yet available in that area ( this was 2017 ). We returned the box to a XXXX XXXX however, they put this on our credit report stating they didn't receive it. I have been told this is a standard practice for XXXX XXXX. This collection goes back 5 years yet is showing as a current collection and is being reported falsely. I had several conversations with XXXX regarding this in 2017, but they said I didn't return the equipment and I know I did. They don't give you a receipt when it's returned so you trust them to be honest.
Consumer complaint received 2022-07-06
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  Account # XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX  XXXX  Account number # XXXX, Account name XXXX  Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  Account number XXXX, Account name XXXX XXXX  Account number XXXX, Account name XXXX  Account number XXXX, has violated my rights. 

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 2022-07-06
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. (SC)

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

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
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. (OH)

XXXX it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 
Here 's the wrong info : 1.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax re-inserted a bankruptcy into my Equifax file after deleting it. However, they never notified me within 5 business days of doing so nor did they provide the contact information for the company that furnished the information.
Consumer complaint received 2022-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (KS)

My personal student loan that has been going on since 2001 is with Navient. Ever since Navient took over Sallie Mae my loan balance hadn't moved, so I called Navient and the unprofessional clerk did not know how to read my account balance or figure my statements. Now I see that other people complained about their payments with Navient and won in a law settlement. I'm complaining that it looks like my XXXX Student loan was not included in this settlement. How can I get considered settlement/cancellation for my student loan that I have paid for over 18 years? They expect me to overpay until XXXX. I'm XXXX and XXXX, watching my Grandkids due to XXXX. I used to work at XXXX XXXX as a XXXX XXXX until the Pandemic hit. Can someone please help me get on the Navient lawsuit settlement?? 
Thank you in advance, L
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OR)

Early XX/XX/XXXX ' I noticed a delinquent amount of {$1800.00} on my credit report from company Credence Resource Management. the only reference I could locate was " XXXX XXXX XXXX  '', this doesn't align with anything I have a record of. I disputed this charge via credit agencies XXXX and XXXX and I also sent a certified letter to Credence on XX/XX/XXXX requesting further information about this debt as I never received a notification ( mail or phone ) from them. I have confirmation that they received the certified letter on XX/XX/XXXX requesting further details, but no further information was provided. On XX/XX/XXXX I called Credence at XXXX and talked to a representative requesting further information. I confirmed with the rep they did not have any of my contact information for this debt ( mailing address/ phone number/email ) and the only thing they could tell me was the charge is associated with an account opened with XXXX on XX/XX/XXXX. I do not now or have ever had an account with XXXX, yet they insisted it was my account even though they provided nothing that ties me to the account. I requested they provide in writing all the information they have associated with this, but as of yet nothing has arrived. 
Not sure what more I can do to get this cleared. I have put a lock on my credit in case this is associated identity theft. Any help is greatly appreciated.
Consumer complaint received 2022-07-06
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: ALLY FINANCIAL INC. (GA)

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX - Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Consumer complaint received 2022-10-18
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. (NJ)

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

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have received an " Adverse Action Notice '' of unable to extend credit for Loan requested {$5000.00}. However, I did not apply for this loan. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, Phone XXXX have sent this notice to me dated XX/XX/2022. 

Since I also had array of charges on my 3 credit cards between XXXX, XX/XX/2022, my XXXX XXXX card was charged {$320.00} from XXXX. I have {$260.00} Pending charge from XXXX on my XXXX XXXX card. I have {$370.00} charge from XXXX on my XXXX XXXX XXXX  XXXX Card. All three charges were not authorized by me. 
I do not want to contact XXXX XXXX XXXX by phone to give any more personal information. I will write to them to deny any application submitted with them and ask them to remove the inquiry on my credit card.
Consumer complaint received 2022-07-06
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 Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 2020-11-13
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. (OH)

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my Experian, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.