davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (AK)

On XX/XX/XXXX I sent letters XXXX for a request for a debt validation requesting evidence that I actually owe this debt the debt a letter stating that the debt was valid without actually send evidence that this debt is owed.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (OH)

I have attempted multiple time to get my consumer reports from XXXX XXXX, Innovis, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I have attempted multiple time to get my consumer reports from XXXX XXXX, XXXX, and Chex Systems. I can not get them to provide me copies of my consumer reports.
Consumer complaint received 2022-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Placed a purchase on XX/XX/XXXX using Capital One Mastercard and the advertised cashback was supposed to yield {$14.00} ( 6 % ). Did not receive the reward on my card statement ( it is reflected as a credit ) within 3 business cycles. Called on XXXX XXXX. @ XXXX and spent close to an hour on the phone across 3 representatives, before being told a manual adjustment would be made. On my next statement, only {$1.00} had been credited. Called back on XXXX XXXX. @ XXXX, spent close to 45 mins on the phone before the representative submitted a claim for the balance. Told I should see the credit in 7-10 business days. Called back on XXXX XXXX, ended up spending XXXX XXXX on the phone across 3 representatives before they indicated that the right adjustment ( {$1.00} or 0.5 %, 5.5 % less than advertised ) was made. They also insisted that the % advertised on the date of purchase was 5 % and unless I had proof, they could not honor the 6 %. I left the call indicating I would be reporting them to CFPB and the XXXX. Because of prior issues with this merchant/program, I have been keeping a record of when I make a purchase, the amount, the cashback %, the cashback amount ( in $ ) I should receive, and the date of the statement when I receive the credit back. It was 6 % on XX/XX/XXXX and there is no way to prove that ( which I was asked to do on this last call ) unless I had the foresight to take a screenshot when I was in the system. Their system does not have an easy way to save that information for future reference and it is clear they are manipulating the percentages. They also change these cashback percentages frequently, so you may get 5 % today, 2 % tomorrow, and 10 % 3 days later. This merchant is cheating customers and have engaged in bait and switch to get you to use their program/card then not respecting their promotions.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, XXXX and Trasnunion claims that the account is verified, accurate and validated, yet XXXX & XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by XXXX, XXXX and Transunion? Besides that, XXXX XXXX XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the XXXX and Transunions data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-07-13
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. (CA)

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I have provided Transunion with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-02
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: TRUIST FINANCIAL CORPORATION (FL)

Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank purchased my conventional mortgage from the originator. I was notified from the originator that Fifth Third would now be servicing my mortgage, so make future payments to them. 
My first issue was with setting up automated payments. Fifth Third does not offer an electronic way to do this ( I don't have any other accounts at Fifth Third, only my mortgage ). I had to print a PDF form, fill it out by hand and mail it it. There was also no promise this process would be done by the time my next payment was due. This is a completely unacceptable process for a bank the size of Fifth Third and in the year 2022, as every other mortgage servicer makes setting up automatic payments a quick and easy online process. 
After having my auto-payments set up and my first few payments made, I have now received and email from Fifth Third stating " We're reaching out to let you know that your account ending in XXXX requires prompt attention ''. I should not be receiving this email, as I'm current on payments and have no other issues. When attempting to contact Fifth Third, I have run into difficulties. There is no email for customer support, the chat functionality on their online banking site doesn't work as I haven't received a reply and the current wait for a phone call is over 30 minutes. All completely unacceptable customer support actions. 
I would love nothing more than having my mortgage transferred to a capable servicer with actual customer support.
Consumer complaint received 2022-07-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : $ {$15000.00} "
Consumer complaint received 2022-07-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I made my Mortgage payment for XX/XX/2022 on XXXX, XXXX 
I started receiving phone calls that I had not made my Mortgage payment. 
I called XXXX XXXX XXXX on Monday XX/XX/2022 to ask what the problem was. 
The lady told me she found they had applied payment to my principal and not the payment. 
She told me it was fixed and all good. 
I continued receiving phone calls and emails from Lakeview Mortgage saying if I didn't make my payment late fees were going to be added. 
They added them and sent me another statement saying my Mortgage was overdue and needed to be paid ASAP. 
I called them back today XXXX to find out what the issue was. 
I was told the problem was the payment was applied as Principal and not payment and she would fix it. 
I told her that I needed a new statement, not one falsely saying I had missed a payment. 
I was told that a new statement would be available in 5 business days. 
I explained to her I need the statement as I am buying a new home and my lender requested it. 
She again told me I had to wait 5 days for a statement. 
I can understand if it was my fault, but it is clearly Lakeview 's and not mine as he agreed. 
Explained to her I needed this ASAP as my current home is sold and I need to be out of my current house by XXXX. 
She again told me I had to wait 5 business days. 
I reminded her I had called a week earlier and was told this was fixed and her response was it takes 5 days for a new statement to come out. 
I told her again I had called the week earlier, and she told me again it would take 5 business days. 
IT is clearly their fault the way the payment was applied and I need this statement now and I should have gotten one from the last call. 
Please help me
Consumer complaint received 2022-07-13
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. (AZ)

most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXX bank and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated XXXX5 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXX bank, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (AR)

This is my last endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance Shellpoint continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need Shellpoint to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

Shellpoint also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I called TransUnion to report the credit inquiries on my credit report were unauthorized. TransUnion refused to help me dispute and remove the credit inquiries. These are the credit inquiries I did not authorized : 1. XXXX  XXXX 2 XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. XXXX
Consumer complaint received 2022-07-13
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. (LA)

I was making a purchase at XXXX XXXX XXXX in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing XXXX XXXX credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call XXXX XXXX  ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( XXXX XXXX under XXXX XXXX  ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with Experian, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second XXXX XXXX credit card that I did not authorized and was defrauded by the company to open.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

I've written World Finance Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX mobility, informed them i had not opened an XXXX XXXX XXXX mobility account, i contacted XXXX credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : CREDENCE RESOURCE MANAGEMENT for XXXX XXXX  - account was deleted after my dispute was approved by XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -fraudulent account, based on XXXX representative is a collection agency for the same XXXX XXXX  account
Consumer complaint received 2022-06-16
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 XXXX  XXXX Account XXXX 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