davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX I'm a living human with all the rights of 42 me from the fcra by being a US citizen please advise this complaint is against XXXX and transunion for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a 1099 for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste Sera writes afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (NY)

Eastern Revenue , Inc wants to collect over XXXX from me for an ambulance ride. I tell them repeatedly that my insurance covered it, and I dispute the debt on my credit report, but they send me letters in the mail saying " I couldn't be identified as insured '' and I called the ambulance company, and they say they've never heard of Eastern Revenue , Inc . 
" Eastern Revenue , Inc is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX '' According to what I found about them on XXXX.
Consumer complaint received 2023-03-24
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. (CA)

XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX  ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Consumer complaint received 2023-01-18
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-14
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. (CA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2023-03-24
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OR)

Citi Bank Visa ( Cost card ). I did not activate my card. They charge the card for my Costco membership. I Called them and told them that I did not activate. They told me they that because I applied for the card that I agreed to put my " next time Costco membership '' on the card. I was upset about this - also .... I have to admit that I did not look at any bills -- just through away any junk mail - because any card that I have not activate I'm thinking is junk mail. Well... I guess I should not of???? I was charged, however, this is not why I'm really upset. It's because I called them ( after I randomly opened up one of junk credit card solicitations ) and found out that I had a bill with late fee 's. I ended up calling them and explaining my experience. They told me that they could not help me and that I owed them. I ended up paying them and told them to close my account! I was not happy but I just wanted to forget the experience. Later I got another bill from them, however, I was thinking that their billing was behind or they had made a mistake because I paid my bill and closed my account. To make a long story short, they ended up charging again for late fees. Mind you this is not just late fees the first time ( plus the bill ) but late fees again after I closed my account. I have them on recording this time so .... I think I'm pretty safe if they do it to me again. However, I'm not taking any chances. That's why I'm contacting you! Sincerely, XXXX XXXX ( unhappy with CitiBaks ethical practices ).
Consumer complaint received 2023-03-24
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: DriveTime (CA)

Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding four inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 DT credit XX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with XXXX XXXX credit, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DT credit yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
Consumer complaint received 2023-02-27
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

A few years back I had a mortgage with Wells Fargo, Wells Fargo modified the loan during the new account takeover scandal and also opened an escrow loan on top of that. Wells Fargo was not willing to work with us and charged numerous fee 's to XXXX XXXX where we could not afford to pay the remainder. Wells Fargo was not willing to work with us because of their intense sales tactics. Wells Fargo ended up foreclosing on the house and would not refund of any of the thousands in fee 's they charged me. This mortgage is still showing on my credit report. ( XXXX XXXX XXXX XXXX XXXX TX XXXX ) Not only does Wells Fargo continually report this as deliquent. They sold this home back in 2013. Wells Fargo made well over {$80000.00} off the house and did not compensate me. Wells Fargo was not willing to work with me and opened additional account 's and advised me to apply for a personal loan which I did not do. Wells Fargo has caused damaged to my credit file continuously and to my personal health. I would like XXXX relief  for all of the fee 's Wells Fargo charged me, as well as damages for the house being foreclosed and Wells Fargo not willing to assist me. Instead offering other account 's Wells Fargo did not refund the fee 's and Wells Fargo has not compensated me for the poor sales tactics that occurred back during the new account take over scandal.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I have been trying to refinance my mortgage since XXXX, Mr Cooper is the current lender. When they sent pay off to the new lender they said there was a HUD lien that needed to be paid off. There is no lien to be found under that case number, under my name XXXX XXXX, address XXXX XXXX XXXX, XXXX. The loan company that held the loan previously doesnt have any information either.Mr copper has failed to produce information to support this lien XXXX I lost my locked interest rate as well as {$80000.00} equity that I was to get at closing. It has been two months now and neither the loan company nor I have been able to getMr Cooper to give us the information we need to resolve this issue. Because of their inability to resolve this I was not able to close my refinance and can not afford to do so now with the current interest rates. These individuals can assist in giving you information regarding this claim XXXX, XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (WI)

None of the example problems fit this issue exactly so i selected the best option that i could. I obtained a credit reporting and score update on XX/XX/ from Experian for 2 positive transactions. A paid off item was removed from my report and 1 of my credit cards went down to on 1.4 % usage and i only received a 5 point increase when the other 2 credit bureaus gave me at least 10 points for the credit card 1.4 % usuage/ pay down alone. It has been known for Experian to cheat customers such as myself out of higher point increases when theyve been earned and have also been in trouble legally for doing such.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2023 I sent off a letter to Equifax asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Equifax about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Equifax has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

Experian made over XXXX inquries on my file!!!! In 30 days what the XXXX!!!! How much credit did they remove from my social security account. They are stealing from me XXXX  too but not to the level of experian they made over XXXX inquires in less than 30 days n my credit score hasnt gone up XXXX point. I need to contact an attorney enuff dilly dadling
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.
Consumer complaint received 2023-01-06
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: M&T BANK CORPORATION (PA)

As of XX/XX/XXXX, the unauthorized credit inquiry is STILL on my XXXX report. 

A resolution package dated XX/XX/XXXX stated that the unauthorized inquiry would be removed " within 30 days and will not appear to any creditor requesting a credit report from a credit bureau '' This inquiry still shows up on XXXX XXXX as well.
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service (ID)

Company is suing me over a debt that I never received any notice for even though all of my mail has been forwarded with no problem before. They also state that they served me to go to court except they didnt. They went to the wrong address once again and served someone else. Ive tried contacting the company to settle my debt but they refuse and want me to pay all of these crazy Court and attorney fees when I never even got the opportunity to pay this debt off. Their practice & the way they run their company is a huge scam.
Consumer complaint received 2024-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

IC systems is trying to collect on a debt that was a result of identity theft. Back in XXXX of this year XXXX services tried to collect on this debt and I had it removed from my credit report. I do not or have I ever had a XXXX mobility account nor have I ever lived in XXXX XXXX.I want this removed from my credit reports immediately. Apparently IC systems bought the debt from XXXX  services and is trying to collect on it. If they want me to get a lawyer and sue them no problem.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (OH)

Writing to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove the following unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had my own credit card with Capital One since XX/XX/XXXX, which started out with a {$3300.00} credit line. I have requested a credit line increase every 6 months since then and received from a {$1500.00} to {$4000.00} increase with each request. Neither my income nor my employment have changed, except in XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX  at the same employer where Id been working in a different capacity and continue in that capacity as well. My credit line is now {$13000.00}. I asked and have asked each time for a credit line increase to {$20000.00}, which my ex-husband and I had on a credit card for about 20 years prior to my getting my Capital One credit card. 

On XX/XX/XXXX, I requested a credit line increase, 6 months since my last request. The request was declined by letter posted in my account on line to which I was emailed a link. None of the reasons stated in the letter of declination that I received apply to me, including the FAQs nor including the information online provided from the link in the letter. 

I pay the entire balance due before the payment due date and have since I received the card XXXX years ago. My credit score last time I looked is over XXXX. 

I called Capital One on XX/XX/XXXX to get the reason for my declination. NO ONE could answer my question, and I was told that the reason for declination will NOT SHOW UP IN THEIR SYSTEM FOR 2 to 6 MONTHS! This is unacceptable. The two people ( XXXX and XXXX, XXXX Account Supervisor ) could NOT tell me when I may be able to reapply and possibly get the credit line increase approved. 

The reason I asked for a credit line increase is because I am remodeling a residence and want to charge as much as possible to the credit card for travel points. I will continue to pay the full balance due monthly before the due date. I will use a different credit card that has a higher credit limit if I max out the amount charged to my Capital One credit card.
Consumer complaint received 2023-03-31
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. (FL)

I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : XXXX XXXX XXXX XXXX  AND XXXX XXXX. XXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO EQUIFAX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.