davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (OR)

I went into XXXX XXXX to purchase a blouse to match a pair of pants that I didn't have with me. I picked up some blouses and was told that if I open a XXXX 's credit card I could get a discount. I opened the account there. Upon returning home, the blouses did not go with the pants. I returned ALL items, and was told be the clerk that the balance was now zero. I started receiving bills for a balance, but I had returned EVERYTHING that was charged, so I should have had a zero balance. I called XXXX 's several times, and was finally connected with the fraud department. They came to the conclusion that the clerk did not scan in all items for the credit. Fraud dept told me that they would start reversing late fees and it would take several months to reverse all charges. I have NOTHING from XXXX XXXX. Now, I'm getting calls from a collection agency for nothing but late fees, when everything was reversed. This is ruining my credit. Please help. Also, when I spoke to the fraud dept, I asked that they cancel my card. They did and said that everything would be taken care of with a zero balance and offered their apologies. I don't know what else to do. I have nothing from XXXX XXXX and owe them nothing.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (LA)

Between XXXX XXXX federal credit was taken overdraft charges of {$20.00} from my account when the balance was available at the time of purchases.
Consumer complaint received 2022-06-22
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. (RI)

XXXX XXXX reporting account # XXXX balanCe {$1100.00} reported credit card under my name send proof this account is no mine I need send me contract with my signature because never opened account still reinserted in my credit report violated my rights i need send me proof all your investigation because I rehuse accept this debt because never have business with this company send me letter with the address is no proof because person lost my identity I need put atention in my petition because this company danger my credit y need clean my profile because dont have made business with them
Consumer complaint received 2022-10-17
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. (FL)

NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX # XXXX .... I called Experian about this matter and mailed in a dispute but Experian failed to make sure ACCURACY of this account was 100 % AND THE investigation wasn't fair
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (PR)

This debt of {$660.00} is related to an Alarm Company : XXXX, that ceased to provide services in XXXX XXXX back in XXXX, although they kept charging monthly, after several attempts, requests, letters to request to stop automatically charging my Company XXXX XXXX XXXX ) for services not received, I requested our bank to do not process these automatic payments any more, as they were not authorized and the Alarm CompanXXXX had several times confirmed that they were not going to keep charging, although they kept doing it. I was contacted by a collection company ( MOUNTAIN RUN SOLUTIONS ) some weeks ago regarding this Debt, I explained everything and told them that it is XXXX  which actually should be refunding us for all the automatic charges they promised not to do, but they did any ways. They didn't care, they didn't listen, they didn't request for any back up information, which we have, they told me I had to pay and if not I was going to be reported to the credit agencies, even though the debt is under the XXXX XXXX company name. Today it is a collection in my credit Report and I lost XXXX points from my score for a {$660.00} debt collection that is from more than 5 years ago, from services not rendered, unlawful charged, and not my personal debt.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A scammer got into my email account and had passed as a landlord and credit card settler. They manipulated my family and I to send them money via XXXX. Telling us it would cover the landlords monthly payments and the debt owed to a gas credit card company. Total taken was {$6200.00}
Consumer complaint received 2022-08-23
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. (IL)

To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : XXXX XXXX XXXXXXXX loan rejection due to lack of information in my credit reports I am filing a complaint against XXXX XXXX XXXX and TransUnion ; the former rejected my application for a loan to buy a used car. In order to get the online price for the car, I had to finance it for at least 4 payments. I already put down almost half of it. 

As far as I'm concerned, my credit rating is extremely good ;. I have NEVER been late on a payment. Not when paying off my house ( in the XXXX 's ), any of my previous car/other loans ( earlier ), or any of my current/previous credit cards. Nearly 5 decades. 

. My credit card balances are very low, and I pay them off every month to avoid interest charges. 

When I called the company and asked why my loan was rejected, they said I have " insufficient/limited credit history ''. THIS IS A COMPLETE LIE!!! They said to call TransUnion. I did. I was told that they only keep info for the last 10 years, so ALL MY PREVIOUS LOANS WERE NOT AVAILABLE!!! This is why I was rejected!!! 

I am extremely dis-appointed in BOTH OF THESE lousy, horrible companies! HOW AM I SUPPOSED TO PROVE THAT I HAD MY LOANS IF THERE IS NO LONGER A RECORD OF THEM?????!!!!! THIS IS COMPLETE GARBAGE!!! I AM TOTALLY SCREWED BECAUSE THEY DON'T KEEP A RECORD OF ALL MY PREVIOUS LOANS, AND MY REJECTION WAS BASED ON THIS LACK OF INFORMATION!!! 

My copies of my credit reports only start in XXXX. As for my house loan, all I have is the last payment information where they said it is paid off, but no history over the 17 years I had it. And no copies of my earlier car/other loans. 

I am now FORCED to pay for the entire car, and I will probably NOT get the online price, meaning, because of these lousy companies, I am probably FORCED to un-necessarily pay more for it!!! 

I can not believe that they treat people as low-life GARBAGE! I do not deserve to be treated so horribly by such companies!!!
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2022-09-23
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. (NJ)

These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rubin & Rothman, LLC (NY)

After I paid online it went straight back to make a payment screen. There was no confirmation that I made a payment. So I called the company Rubin & Rothman and made a payment again, as I was told a glitch in the system mustve happened and my payment didnt go through! Then when I asked for a confirmation number to be sent to my email I was told a third party handles that and they would be sending me a letter in the mail. This is my second time making a payment to this debt collector and I have not received any confirmation by email or by snail mail yet. So please advise as I am unable to obtain proof of payment made.
Consumer complaint received 2022-08-23
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. (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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-23
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. (AL)

Experian is inaccurately reporting a late payment to my credit report. XXXX has already deleted this inaccuracy from my credit profile and I am demanding that my profile be updated to ensure accurate reporting of my personal information. The payments were never late and Experian has refused to update my profile accordingly. The confirmation number for the XXXX deletion is ( XXXX ).
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Earlier this year, we were shopping around for a new home owners insurance broker and our policy was accidentally cancelled and reinstated by XXXX. When this happened, Freedom Mortgage was refunded XXXX dollars. We then received notice from XXXX  that if we did not pay them back the XXXX dollars, we would have a lapse in coverage. After numerous phone calls taking an entire day, Freedom Mortgage assured us that everything was taken care of. A month later, we received a notice from travelers saying we no longer have homeowners insurance due to lack of payment by freedom mortgage. They did olnot pay the XXXX and stopped paying XXXX altogether, despite collecting money from our mortgage payments for escrow. After multiple phone calls, spanning XXXX entire days, we were again assured that it was taken care of. Now I have received a letter from freedom mortgage, estimating our next year 's escrow, which does not include homeowners insurance, indicating that they are still not paying my homeowners insurance, putting me at risk of not having coverage on my house. I had no choice in my mortgage being sold to this horrible company who is collecting money from me and not paying my homeowners insurance, putting me at risk of losing my house to a fire when we live in an area that is prone to wild fires.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I originally had a XXXX XXXX XXXX checking account however due to people using my card for fraud without my knowledge. I found out to late and now I am blacklisted from the bank. I just tried to open a checking account with chase and was declined aswell. I want to know if there is a way to resolve it and if so how.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to demand the immediate removal of an inaccurate late payment entry currently reflected on my Experian credit report. I have provided substantial documentation proving that my payments are fully up to date, and Experian 's repeated claims of " verification '' of this erroneous information constitute a blatant disregard for both accuracy and my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure that all information reported is **accurate, complete, and timely** ( 15 U.S.C. 1681e ( b ) ). Despite my extensive communication and submission of evidence, Experian has failed to comply with this federal requirement, instead choosing to maintain an inaccurate, damaging entry that has already caused undue harm to my credit profile. 

**This dispute has been ongoing for several months, and Experians failure to adequately investigate and rectify this inaccuracy constitutes a violation of my rights under the FCRA XXXX ** Specifically : 1. **Incomplete Verification Process** : The process Experian claims to have followed does not constitute reasonable investigation under FCRA guidelines XXXX The failure to incorporate provided documentation confirming on-time payments directly conflicts with Experians duty to perform a diligent review. 

2. **Violation of Consumer Rights** : Under 15 U.S.C. 1681i ( a ), Experian is required to delete or correct inaccurate, incomplete, or unverifiable information within 30 days. By failing to correct this erroneous entry, Experian is not only in violation of this statutory requirement but is also **jeopardizing my ability to secure necessary financial services**. 

I demand that this inaccurate late payment entry be removed immediately from my credit report, with written confirmation of its removal provided to me at the above address within **10 business days**
Consumer complaint received 2022-08-23
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. (MD)

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.