davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date.
Consumer complaint received 2021-12-02
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. (NY)

I just signed up for the XXXX XXXX XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last 3-5 years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( three weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or two later, around XXXX, that my credit score took a XXXXpoint hit because XXXX XXXX felt the need to report my high Balance on XX/XX/XXXX to the credit bureau 4 weeks before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my credit score is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a platinum credit card with Capital One exactly XXXX year ago in XX/XX/XXXX. I was never late on a single payment. The only issues I ever had was accidentally submitting payments from the wrong account which resulted in a returned payment. This happened a total of 5 times. Twice in XX/XX/XXXX, then once in XXXX and twice XX/XX/XXXX. The reason this happened is because Capital One automatically defaults to your first payment account, and there is no way to change this. You have to manually switch the payment every time. When I realized the error I quickly resolved it placing payments immediately from the correct account. After it happened again during XXXX week I quickly submitted a payment on XX/XX/XXXX for the full amount on my credit card. In fact I actually overpaid by {$62.00} because Capital One did not show the correct amount on the app. Payment was taken. The next day when I log in I see a notice saying the account is restricted. Surprised I contacted Capital One and was told the account was closed by the Fraud Department. Questioning this I asked to speak to a supervisor. She was extremely rude and cutthroat. Did not try to work with me in any way and adamantly stated Capital One has the unequivocal right to close any account at any time and no reason has to even be given. She continued saying Capital One made a business decision and there was nothing I could do. Her behavior was absolutely disgusting. You call that customer service Capital One? It felt more like a bouncer delighted to keep someone out of a club. She abused her power over that phone call. I want whoever reads this to listen to that call and explain how that is an acceptable way to treat a faithful customer : This made me extremely angry and caused me to have an outburst and hang up. I couldnt understand how Capital One could treat its customer and a veteran that served this country so badly. I havent committed any fraudulent actions with this account or any account ever. This only ever happened because Capital Ones mobile app does not allow you to change the default payment or delete old payment accounts. I tried to find a way to do this repeatedly but couldnt find it. Then I received a notice this morning stating Capital One closed the account and would be sending me requests for payment. Your system is a little slow guys. You owe me {$62.00} dollars and I want it back. I would even take you to small claims courts over it. Its not about the amount its about the principal. This ordeal has caused me a great deal of mental anguish.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (AR)

I am sending my CFPB complaint today to inform you that this is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are inaccurate from my personal credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance XXXX ; US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXXXXXX Balance XXXX
Consumer complaint received 2021-12-02
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. (FL)

On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with Experian was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and Experian 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The car dealer did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (MD)

On XX/XX/2021 I contacted R. A. Rogers, Inc in XXXX, MD to request documentation about the monthly payment plan I am on to pay off an auto debit from XXXX XXXX. I was told by the representative on XX/XX/2021 that because of the COVID pandemic I could not request this information from their company. Also, I was told that the company does not have an email address and can not send me documentation. I checked their company website and they do have an email address. Their statement regarding not being able to provide me with documentation because of COVID is false. I have contacted several debit collectors on XX/XX/2021 and was able to get documentation stating my payment plans. My credit has been effected because I am not able to provide proof that I am in a payment plan. I have reached to XXXX on XX/XX/2021 to get this resolved so my credit can be improved. I've noticed from R.A. Rogers ' reviews online that they have a habit of lying to their clients. Several people stated they R.A. Rogers said they did not buy off the debit from their original creditor ; I was told the same on XX/XX/2021. I contacted my original creditor, XXXX XXXX, and they said R.A. Rogers did buy the debit since they are a debit collector. I do not understand the unethical and false nature of R.A. Rogers. They respond to messages to these complaints in a rude manner as if the person trying to get information about what they are paying to them is the problem. I plan to seek legel action against R.A. Rogers if I do not receive the requested documents to improve my credit within 30 days or less.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have requested debt validation from ARS collection in regards to XXXX accounts I supposedly have with them. One for {$1600.00}, another for {$440.00}. and the last for {$390.00}. I sent out my first debt validation letter at the end of XX/XX/XXXX2021 and what I received in response from this company was a bill dated XX/XX/XXXX with someone else 's name on it. Showing with only two of the three accounts, but the one not on the bill ( {$1600.00} ) shows on my credit report from them. I sent out a second debt validation letter on XX/XX/XXXX, this time certified mail. It shows picked up on XX/XX/XXXX. I have not received further response from this company on the required information I am asking for. I do not have knowledge where these bills are coming from and what they are for. They continued to show up on all XXXX credit bureaus and want them to be removed if they are not providing any information to me
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I filed a Federal CFPB Complaint # XXXX against XXXX XXXX. 
This Complaint was resolved literally at XXXX XXXX  on the NEXT BUSINESS DAY ( XXXX ) by the Collection Company admitting to the CFPB that the Collection Account in question was NOT my legal responsibility, and this XXXX XXXX Account was to be PERMANENTLY DELETED from my File at ALL Credit Reporting Companies. It was ultimately ONLY DELETED from XXXX on the SAME DAY. It remains on Experian. 
This Complaint Resolution information is VERIFIABLE by CFPB Official Records, which I, XXXX XXXX XXXX, grant CFPB permission to fully release to ALL Companies/ Organizations involved in this Action. 
I have contacted Experian on multiple occasions, totaling in excess of 4 hours of telephone time, giving them the CFPB Result Information & given the lack of action by the Collection Company, trying to have Experian REMOVE the XXXX XXXX  erroneous information as was agreed to by XXXX XXXX with the CFPB. 
Experian REFUSES to do so in violation of Federal Law & Regulations. 
I was treated badly/ rudely by their employees at several levels/ offices, & finally after hours & multiple calls was referred to their Consumer Affairs Office , which did not answer my call. 
Therefore, I file this Federal Complaint, & pray for ALL Federal remedies against Experian for this Breech of Duty on their part in WILLFULLY FAILING to remove KNOWN FALSE information from my Records, & contemptuous treatment of a Consumer for questioning them for so doing. 
I also authorize Public Posting of this Complaint Information on your Official Website in the hope of enlightening other Consumers & potential Business Clients of Experian to their methods of so-called Customer Service , especially since other Credit Reporting Companies responded appropriately.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (NY)

I had written in previously and failed to complete the entire picture of what occurred therefore I am resending this. My account was set on autopay and when the lease expired on XX/XX/2021 I reached out to Honda for a payoff letter since I wanted to purchase the vehicle. The representative informed me that I should not worry about making any payments since I will be purchasing the car. It took them very long to produce the document as soon as I got the payoff statement I made the payment. I also reached out several times to check on the payoff status. I was informed that due to covid things are taking longer but should not worry. 

I would also like to point out inaccurate data which you are reporting to the credit bureaus. 
1. Balance Owed is reporting 2. A past due amount is reporting 3. Payment status is not accurate
Consumer complaint received 2021-11-10
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX ATTn : Consumer Relations XX/XX/XXXX To Whom it may concern, On XX/XX/XXXX, I wrote to Experian requesting a investigation into items that I believed to be inaccurate inquiries. To date, I have not received a reply from them or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/XXXX, I wrote them a 609 letter and still have no received notification of the investigation. 
This is THIRD request, I will be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to them and they have not complied with my request. I regret that I am being forced to take such action. 

Below XXXX XXXX/ XXXX XXXX - Unauthorized Inquiry Ally Financial - Unauthorized Inquiry x 4 XXXX XXXX XXXX - Unauthorized Inquiry XXXX/XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry XXXX - Unauthorized Inquiry I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-30
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: Cooling & Winter LLC (FL)

Ex-Husband opened XXXX XXXX card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called XXXX and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to XXXX and their lawyer ( collection company ) Cooling and Winters ). He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with Cooling and Winters and XXXX at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
Consumer complaint received 2021-12-02
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: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

COMENITY BANK/EXPRESS Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due 60 days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

There is a collection that I have already disputed with nothing received in return. This is an unknown account, I do not owe nor have I had any business with this company. This is a mistake that I was never notified to be able to request validation before it was added to my credit file.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

I received a call at work at my desk phone from a representative by the name of XXXX of IQdata on Monday XX/XX/2021. I advised her that i hadn't received any notification nor proof of debt to my mailing address. i asked her not to call me at work and to please send whatever it is in writing she refused stating since she had me on the phone lets take care of it now. we went back and forth about her not calling versus discussing it with her by phone. i refused to start a n arrangement without documentation. she refused and stated she would now be moving to the next stage of collections. i still advised her to send it in writing.