davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX, XXXX XXXX I entered into a settlement agreement with American Express as a result of civil suit filed against for outstanding debt for account ending in XXXX. As a result of the settlement, American Express and I agreed for me to pay {$18000.00} over the course of 12 months in installments of $ XXXX. The terms of this agreement were met on with my last payment on XX/XX/XXXX. I received paperwork between XX/XX/XXXX and XX/XX/XXXX from the law office ( XXXX XXXX XXXX ), the state court of XXXX XXXX and American Express staying that my account was settled and paid in full ( documents attached ). American Express is still reporting to the credit bureaus that I have an outstanding balance of {$11000.00} and is not willing to honor the previously agreed upon settlement after many attempts. I would like my credit reports to reflect this account is settled and paid in full and no further calls from American Express saying I owe a false amount.
Consumer complaint received 2022-03-01
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. (NY)

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
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: Santander Consumer USA Holdings Inc. (FL)

I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Consumer complaint received 2021-12-11
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. ()

I am experiencing a problem of identity mismatch and credit reporting negligence, tried a-lot but nothing changed. I have two account showing in my credit report which don not belong to me. One is XXXX credit card with limit XXXX $ which opened in XX/XX/XXXX. Other one is government student loan of {$21000.00} and opened in XXXX, XXXX. The problem is When these accounts opened I was not in XXXX. I moved to XXXX on XXXX XX/XX/XXXX which I have all proofs. I disputed these two account 3 times with trans union credit bureau in past 2 years and one time visited in person to discuss that after confirmation from customer representative and they denied to meet when I was there in front of office rather they always says the accounts belong to you and rejected my dispute. I directly contacted the creditors and they clearly mentioned these account not belongs to me. Trans union is XXXX XXXX me and it become unbearable for me.
Consumer complaint received 2022-10-10
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. (IA)

Account is reporting incorrectly by TransUnion, XXXX and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while XXXX and Trans Union reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again Trans Union is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by Trans Union and XXXX while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (IA)

I pulled up my credit report and saw a credit inquiry on my Equifax, I never did business or have credit with the company on the inquiry. This is the following inquiry : XXXX
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Home Loans XXXX XXXX NMLS # XXXX I ( with my now ex-husband ) applied over two years ago for a mortgage with XXXX XXXX XXXX Caliber Home Loans for a mortgage. I was granted that mortgage loan. I have always paid on time. 

Last Friday XXXX, XXXX XXXX of Caliber Home Loans was granted full access of my private ( and supposedly secure ) information by Caliber Home Loans. She " copied '' the file and ran a full tri-merge credit report on me when I neither applied for a loan from her nor gave her authorization to pull my credit. SHe stated in an email that she " accidentally '' pulled my credit when my ex husband called her for mortgage financing. She further insulted me by offering to give me a copy of my credit report! ( which she is not supposed to do according to the law ) She is ruining my credit score and now I need to fix the damage ( If I even can ) that she created by doing a hard inquiry that I DID NOT AUTHORIZE OR REQUEST. I have had a HUGE score lost due to this along with the hours I have already spent looking up all of the laws they have broken by their blatant disregard to do business correctly. 

Caliber Home Loans is obligated by law to keep my personal and private information away from the hands of everyone. AND they are obligated to make sure that if they pull someone's credit that they have authorization! Yesterday, XXXX, on a phone call, XXXX XXXX XXXX who claims to be a regional manager at Caliber Home Loans ) stated they grant loan officers access to other loan officers files as commonplace. He laughed when I told him that they didn't have my permission NOR did they have the right to give access to another loan officer that I do not know my personal & private information!! 

Yesterday I also called XXXX XXXX XXXX to ask how this can happen and if it happens often with Caliber Home Loans. The woman from the credit department stated that they have had other calls like this one about Caliber Home Loans!! SHe also stated that not all of the credit bureaus will be willing to remove this hard inquiry therefore affecting my credit score for the next 25 MONTHS!

This MUST be STOPPED IMMEDIATELY!!!

I have email conversations where they admit to all of this that I would be happy to forward to anyone who's interested.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Please see identity theft report. I have consistently disputed fraudulent accounts thats are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

After reviewing my credit file I noticed a derogatory account from XXXX sent a debt validation letter to XXXX XXXX XX/XX/2021 certified mail. XXXX never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to 15 usc 1611 XXXX XXXX XXXX is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank website hasn't be up for a XXXX XXXX XXXX  holders cant access accounts, make payments to store cards COmenity Bank finances or the COmentiy Bank XXXX XXXX XXXX XXXX cards being declined, accounts being closed, on-line accounts being locked out, XXXX XXXX XXXX replies range between XXXX different automated answers like BOTS are sending them, their customer service number isn't being answered, etc. 

Examples of the generic responses are : 1. " We are currently undergoing a planned system update that has taken longer than expected. If you are trying to contact us online or by phone, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' 2. " Thank you for your feedback. Knowing what matters to you is how we can improve in the future. We are performing a scheduled system update, that has taken longer than expected. Were temporarily unable to see account information and help with certain needs. '' XXXX " Your information is always secured with rigorous protections, including now while we conduct this planned work. We're sorry for the inconvenience and know this might be frustrating. We are working around the clock to complete these updates, as soon as possible. '' There's no news about this anywhere and customers were not informed about this supposed " system maintenance update ''. 

There are thousands of us. 

CHeck 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 — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and experian, XXXX and XXXX are aware. from the beginning of XXXX  there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. Experian has also allowed someone to have a tradeline on my new established XXXX  I have not even established credit history and there are tradelines already please help me to find a solution.
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  have 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 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I have my mortgage with BSI Financial since XXXX of XXXX. I have not missed any payments. In XXXX of XXXX, I asked the company over the phone if I could do bimonthly payments to pay off my mortgage a little early because there was no option to do so online. They told me I would be able to do this by calling in twice a month. I have been paying my mortgage bimonthly since XX/XX/XXXX. However, when I look at the transaction history, it is clear that when I pay my bimonthly amount in the middle of the month, BSI will suspend that payment until I pay at the end of the month and that is when the payment is applied. This essentially defeats the purpose of the bimonthly payment as no principal or interest is being paid at the middle of the month which is suppose to lower the interest owed and paid at the end of the month. My mortgage contract states no prepayment penalty but it seems like they are actively preventing me from paying my mortgage off early.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX card ( Comenity Bank ) Last Tuesday, XX/XX/XXXX, we made a payment for {$540.00} ( payment due was {$60.00} ) and the payment was due Friday, XX/XX/XXXX. I received an email confirmation as proof of payment. 2 days ago, we noticed the payment had yet to clear our bank, nearly a week later. We have tried and found that the website has been down since XX/XX/XXXX. In addition, they have not manned their calls centers in a week. No one is answering. I am so mad because even though we paid early and have proof of payment via email from Comenity Bank, they sent an email that we have been hit with finance charges and late fees - we've never been late and my XXXX took a hit because of this! I have gone to their XXXX page and I am reading that this same thing is happening to thousands of customers. Not just XXXX XXXX customers but anyone with a Comenity Bank store card. So many people are getting hits on their credit, even after on time payments! They are scamming people, they will not respond or answer the phones.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

THIS IS A MUSICIANS FRIEND CREDIT CARD/SYNCHRONY BANK. I RECEIVED THE CARD I BELIEVE IN 2019. I DON'T KNOW FOR SURE BECAUSE THEIR RECORDS ONLY GO BACK 12 MONTHS WHICH IS POOR BUSINESS I THINK. 
I MISSED A PAYMENT ONLY ONCE BECAUSE IT HONESTLY COMPLETELY SLIPPED MY MIND. HOWEVER, BESIDES THAT ONE TIME I HAVE MADE MY PAYMENT ON OR BEFORE THE DUE DATE AND PAID THE MINIMUM PAYMENT AND MORE OFTEN MORE THAN THE MINIMUM PAYMENT. 
MY COMPLAINT IT THEIR SHODDY, INCOMPETENT WEBSITE AND BUSINESS PRACTICES. EVERY MONTH WITHOUT FAIL I GO TO SIGN INTO MY ACCOUNT AND MAKE MY PAYMENT AND EVERY MONTH THE SITE TELLS ME IT'S DOESN'T RECOGNIZE MY PASSWORD. EVERY MONTH I HAVE TO CHAT ONLINE OR CALL AND I'M ALWAYS TOLD I HAVE TO SET A NEW PASSWORD. IN 3 YEARS EVERY MONTH ... .THAT 'S A LOT OF PASSWORDS. 
I KNOW THIS IS NOT MY FAULT AS I'M XXXX AND OLD SCHOOL AND I WRITE EVERYTHING DOWN SO I HAVE THE PASSWORD WRITTEN DOWN, WITH THE XXXX AND ACCOUNT NUMBER. 
THIS BANK SHOULD NOT BE ALLOWED TO PRACTICE UNTIL THEY CAN GET THEIR SERVICES UP TO STANDARDS. 
THANK YOU
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. (GA)

Transunion has furnished false and deceptive consumer reports on my behalf which is a violation of 15 USC 1692j. Transunion does NOT have permissible purpose to furnish any information on my behalf because I have not given them written consent or authority and I do not have any judgement to my knowledge. This is considered aggravated identity theft! They continue to furnish inaccurate and incorrect information to my consumer report, knowing the information is incorrect and inaccurate. What was the method of verification? Who did they speak with to verify all information is accurate? Why wasn't I sent documentation of the evidence from the reinvestigation? My character has been tarnished and my reputation damaged due to this inaccurate information and I am continually being denied credit due to the inaccurate information Transunion is reporting. I have sent multiple disputes, and information is continuing to be verified with no real proof of its accuracy. I will be contacting my attorney general and filing a suit for the violations against me.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported a case of fraud on my XXXX XXXX credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXXXXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXXXXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.
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: ENCORE CAPITAL GROUP INC. (HI)

Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I did as Phoenix Financial Services said on the last CFPB Complaint ( complaint attached ) I called their office to get full number of the alleged account since they claimed I was only giving a partial number. 

This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, they should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX