davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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. (TX)

Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I was going to file a chapter XXXX and I could not continue it because of how much everything was going to cost. Ive ask the credit bureaus to take this information off my credit report, because the chapter XXXX did not take place. Im not in a chapter XXXX and by them reporting this, it is making me unable to get employment and any other credit. Im not in a bankruptcy, yet they are still reporting that Im am. It stated that it was dismissed. Even with that information, this should not be on my credit report.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020, Wells Fargo all of sudden closed my two personal credit cards ( ending with XXXX and XXXX ) and forfeited all reward cash and points I have earned for last 6 years. The total amount of cash back and points were worth about {$2000.00}. 
I have contacted their customer service several times and they had no clue what happened and didn't provide any helpful solution.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUSTMARK CORPORATION (OH)

The home associated with the mortgage from Trustmark was sold and paid on XX/XX/2020. I have tried to update this 4 times with XXXX, and the lender. 
This has harmed my chance at a mortgage.
Consumer complaint received 2021-09-07
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: Experian Information Solutions Inc. (NY)

Attention : Consumer Financial Protection Bureau I sent a letter to EXPERIAN disputing an account as erroneous on XXXX and mailed EXPERIAN a certified letter, return receipt requested. I received notice that EXPERIAN has received the dispute letter. It is now XXXX XXXX XXXX 

According to the Fair Credit Reporting Act, EXPERIANs role in the dispute process is to review the accuracy and completeness of any disputed item. EXPERIAN did not contact the furnisher or vendor, or verify that all of the information regarding the item that I disputed within 30 days of XXXX, the date that EXPERIAN received my request ( 21 days for Maine residents ). EXPERIAN therefore did not resolve the dispute, or review any relevant documents submitted with the dispute. 

The disputed information was not verified, EXPERIAN MUST delete or modify that information, as appropriate. EXPERIAN did not receive a response from the furnisher or the vendor within the required period. 

Under legal protections of the Fair Credit Reporting Act, I demand that EXPERIAN update the item as I have requested or delete the information, and send me the results. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), EXPERIAN was required by law to verify the accuracy within ( 30 ) days of my dispute. EXPERIAN has not verified the information within the 30 day time period, EXPERIAN must delete the disputed account from my report. EXPERIAN must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to EXPERIAN and a copy of my original letter showing the account I have disputed.
Consumer complaint received 2022-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kikoff Inc. (CA)

A loan was pulled out in my name, which I never applied for from a company named Kikoff Lending llc. I never applied for the loan and am a victim of identity theft. I have tried to contact the company with a request to remove it from my credit report and to send me a number where I can speak to a representative to assist me with this issue. I have been turned away from being given a number I can contact the company through. There isn't any direct contact from this company, which can only be assumed as a scam company which is not being regulated. The ftc has to do something about kikoff lending and remove this from my credit report.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AZ)

XXXX XXXX  failed to give a written statement as to what the charges are for in the amount of {$8800.00}. I was released from my lease due to a XXXX XXXX situation I I was no longer safe with my children on the property. I was in agreement with the manager on property after a 3 way call with a judge as I received notice for eviction. I agreed to surrender the unit to avoid fees as well as an eviction. The amount owed has tremendously affected myself and children in getting a home or place to at this difficult time has paced a tremendous hardship and will leave us homeless.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I have been asked to pay a debt for {$280.00} to original creditor XXXX XXXX XXXX  current owner Midland Funding LLC original account # XXXX, McM  account # XXXX. 

I have been asking Midland Funding LLC to provided me with proof of the charges that were incurred in 2016. My request has fallen on deaf ears. I have not received the information requested as of now. 

I feel that I am being harassed to provide this payment without knowing what product/service was purchased in 2016. I am receiving a bill each month requesting payment which I will not pay until I am shown proof of what was purchased by me. I also received daily phone calls from Midland Funding at my home and place of business requesting payment. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to express my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX Balance Owed : {$400.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information.XXXX  XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a XXXX  balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat XXXX  balance, no exceptions! Your careless mistake is screwing  up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP!. XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of XXXX. This information is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX XXXX : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX XXXXXX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XXXXXX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 
- XXXX : I filed another dispute, and on XXXX than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 
- XXXX : I made a third attempt to dispute the bankruptcy record. On XXXX at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, XXXX XXXX, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-29
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

Discover Sent a card to my address in the name of " XXXX XXXX '', no one with a name even close to that lives here. I think an online scammer may have gotten the home address. I shredded the envelope completely.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MI)

Pay for discover identity theft protection had a issue with identity theft and compromised bank account. They havent taken any steps to remove the charges just keep billing your he account that was removed and compromised. Have called several times all the gave me was a reference number that means nothing.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

XXXX, XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I XXXX XXXX website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the XXXX customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed XXXX XXXX website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. Thanks.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX i contacted bank of america [ the bank ] to settle a debt owed on a credit card {$3500.00}. After a long phone conversation and interview with a bank employee an agreement was made to pay off {$1300.00} then 2 paymemts of {$770.00} on XX/XX/XXXX & XX/XX/XXXX XXXX. Over the phone {$2800.00} was agreed upon. 
XX/XX/XXXX {$1300.00} withdrawn. Later in the day the bank left a voicemail. Returning the call i was informed that the agreement was no longer valid due to a technically. I just wish to have the bank honor the deal and no longer be in debt.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Hi, I have had Citibank 's savings account for years and at the time of opening the account was very clear that I am on limited income and only need saving account that does not have monthly service fees. I haven't been getting charged as expected. However, when my son checked my account recently he noticed that I was getting $ 25 monthly charge for past 3 months although nothing has changed. 

When I tried calling to get this resolved, I kept getting put on hold and transferred to number of people without any solution. I also tried logging into the site and using their Chat feature and " XXXX '' who was the rep couldn't tell me why my account package changed and by whom but it now requires $ XXXX balance to avoid fees. I have never had $ XXXX in my account nor do I expect to have it. 

He did mentioned that he could " downgrade '' the package to avoid fees and refund one month 's charge. When I asked him why it was " upgraded '' to being with and by whom he couldn't answer. I need my full refund and need to make sure they can't change the package on their side and start charging fees and I have to spend hours correcting their problems. 

I am concerned about their process and why they can change the " package '' to conveniently charge fees without my approval!!!