davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF TRANSUNION AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I XXXX XXXX have disputed an item with Capital One on my credit report. And the company have fail to comply under U.S.C 1681S-2 } ( A ) ( 3 ) Duty to provide notice of dispute in the completeness or  accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer. Capital One are required by federal law to place notice of dispute on my account within 30 days of my dispute which they have signed for on XX/XX/2019. I have retained a copy of Capital One signature and date of receipt as well as a time stamped copy of my credit reports showing that they have violated the Fair Credit Reporting Act. By not placing the disclosure within the required 30 day period.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

The dismissed bankruptcy on my XXXX, XXXX, Equifax reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Consumer complaint received 2020-04-28
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: AMERICAN EXPRESS COMPANY (TN)

American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  accounts has violated my rights. 

Equifax hard inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried to get XXXX Experion and XXXX to take fraudulent addresses off my credit report. I just received a copy of my Experion credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by South Texas XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you
Consumer complaint received 2019-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (TX)

I no longer have possession of the XXXX XXXX XXXX XXXX. The vehicle was sold for XXXX in which the car is worth & the XXXX also was credited {$2300.00}. Since XXXX they have been reporting on my credit as if its an open loan and past due. The sent me a letter out of retaliation for filing a complaint using threatening language to continue to harass me. They are now claiming I owe {$17000.00}.
Consumer complaint received 2019-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

In XXXX XXXX XXXXXXXX XXXX Company sent me my escrow statement where the taxes were XXXX to much. Therefore raising my mortgage payment from {$2400.00} to {$3600.00}. I called them emailed them proof of the tax record showing there mistake. They said it would be fixed by mid XXXX. It is still not fixed now in mid XXXX. I sent them XXXX payment for {$2400.00}. They responded to me with a letter saying it was a short payment and they will not accept another short payment again. When I call them one department says its fixed while other department says I still owe them {$3600.00} a month. So I went to the Housing council of to see if they could help. While there we called again. Now they say my mortgage is XXXX a month which is still {$600.00} to much. Now were going to be behind XX/XX/XXXX 4 mortgage payments because they won't accept short payments and they still have not adjusted our mortgage to the correct amount.
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I called XXXX XXXX XXXX because I was going to set up for a service They told me I had a past due balance I paid the past due balance Now this debt collection agency tells me I still owe them how is that so if I paid them the past do balance they have not showed me how I still owe {$260.00} as in how those charges where accumulated Also I didnt receive a validation letter in the first five days of contact
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work. 
They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did. 
They called me multiple times with out sending the validation letter acting very rude.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Company : Bank of America Credit Card : BankAmericard Description of Problem : Stolen card so closed account on XX/XX/2019 - paid off balance. New charges came through after that date - paid those. Continued to get bills for a few dollars of interest charges from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX - called to pay {$10.00} via computer which was the entire statement balance. Remained on the phone for a representative to ensure that I would not be getting an XX/XX/XXXX statement. Was told that despite paying what their computer said was the entire balance, I would actually still owe them {$0.00} however they could not bill for anything less than {$1.00}. The first agent suggested that I just sent them {$5.00} to make sure that I did not get another bill. I asked for a supervisor but was told that no one was in the supervisory department so I was transferred to stolen cards ( the issue in XX/XX/2019 ) in Tennessee. She tried to remove the charge of {$0.00} but was unable. Transferred me to West Virginia after one hour and thirty minutes on the telephone in which I tried to make sure that I had paid them all I owed and they would not send me another bill. This agent claimed to have taken the fees from XX/XX/XXXX to XX/XX/XXXX off the card so I would not get a bill in XX/XX/XXXX.  Still waiting to see what will happen. 

Issue : The BankAmericard issued by Bank of America is systematically overcharging customers as you can not pay the balance via computer either by phone or online to pay the full balance. They will continue to charge a few cents of interest from the time the computer charge is updated for the next bill and then will bill no less than {$1.00}. It is impossible to cancel the card, pay them off and move on with your life without constant follow up bills for {$1.00} per month indefinitely.
Consumer complaint received 2020-04-27
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. (CA)

Experian is still reporting a balance of {$130.00} owed to XXXX XXXX XXXXl. However is now owned by XXXX XXXX  XXXX and the new balance is {$0.00} as of XX/XX/2020. XXXX XXXX  XXXX has reported to all three credit bureaus of the new updated balance as well as a request to delete all tradeline associated with this account. Therefore, XXXX  and XXXX  have acted accordingly and followed all credit reporting guidelines ; but experian is still reporting inaccurate info and a balance of {$130.00}. XXXX XXXX XXXX  has tried to update the balance to {$0.00} but an error message is displayed 5 times as stated in the response to my previous dispute against XXXX XXXX XXXX  on XX/XX/2020 dispute # XXXX XXXX. 

Experian needs to delete all credit reporting tradeline associated with XXXX XXXX XXXX   and update the balance to {$0.00}. 
Experian has no right to be reporting on an account with {$0.00} balance and incorrect creditor info. 

PLEASE DELETE AND UPDATE ACCURATELY.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

After months of trying to access my account with this company all I ever got was 'computer loops ' and when I called for assistance the individuals I encountered could not speak English well enough to be understand easily and some times not at all understandable. Frustrated, I contacted the 'Consumer Protection Agency '. The response I received from this company was to call again and they wanted further verification that this is my account, which I requested frozen, as they did not mail the new credit card timely or not at all and was concerned. They requested the reverse side on my expired drivers license to verify that it is my account. ( poor vision will not allow my driving at this time ). I am out of the country taking care of family business and gave them my contact information in XXXX and assured them that my residence information in the USA had not changed. After my contacting the Consumer Protection Agency, hurriedly they posted negativity to my excellent credit rating ... .because they won't allow me to access my account ... not fair and is inductive of 'we have control ' attitude. Several days ago I called again ( 41 minutes ), they did accept a double payment from me and when I said you send me email every other day as 'friendly reminders ' and now you absolutely know who you are dealing with as you asked me if you could take the payment money from my XXXX account, you, at this time are positive it is me. I then requested to allow me to change my password to access my account, they refused and when I asked to speak to an English speaking supervisor ... .they hung up. Who are these people and what the XXXX is going on with this company.
Consumer complaint received 2019-09-16
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. (FL)

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (TX)

This account was reported as a charge off/profit loss. However, SAFCO continues to report this account as open when in fact it is closed and written off. 
There has not been any activity on this account since XXXX of 2017 and Southerm Automotive Finance Company continues to report activity. Additionally there should not be any balance remaining.
Consumer complaint received 2019-04-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my Equifax on XX/XX/2019. I disputed with Equifax XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to XXXX to request a hard copy of my report to Equifax XXXX or XXXX never did that since XXXX also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the 600 to low 500. XXXX has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do XXXX took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope XXXX may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2019 I received a letter from wells fargo fraud dept. notifying me there were possible fraud activities on my account and to call them. When I called they notified me that there were {$2500.00} in cash advances taken out on my credit card in CA. I live in Ohio. There were also charges of {$50.00} each of two item transfers. There must have been some other fees because the total balance was {$2600.00}. I told them to immediately close those accounts.

Shortly after that I received two checks from Wells Fargo. One was for {$1200.00} the other one was {$71.00}. Attached to the check was a note stating that I had not fulfilled my obligation to Wells Fargo. 

Due to the fact that when I called the fraud department several times and they refused to give me any information on the account, I am assuming that the money they sent me was from the accounts that were opened that not been used by whoever opened at the accounts. 

On XX/XX/XXXX I received a letter from Wells Fargo stating that because I closed that account they can not reverse the online transfer. Therefore, there will be no adjustment made to my bill and the claim is now closed. 

I have now closed all of my accounts with wells fargo including the new credit card they sent me because of the fraudulent charges on the old card. According to this letter they are holding me responsible for {$2600.00} for all of the fraudulent charges that were made on my credit card account. 

Wells Fargo notified me that there were fraudulent charges on my account while before I even received a bill for them. I had not used this credit card for at least over a year. After them notifying me there was fraudulent activity I received the monthly statement proving that they were correct in telling me that there was fraudulent activity. Obviously, the bank realizes that I did not make these charges but yet are putting them on my bill and making me pay for them. 

When I closed those accounts I was not notified that this would affect the fraud claim. The reason I closed those accounts was because I was afraid there would be more fraudulent activity.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (FL)

I have made large payments to suffice the loan. ( I made 3 payments in one month ) The company is advising they would apply that only to one payment and charge a late fee on the next one. I should not be charged fees when I made such a large payment. They are advising they are unable to apply to any future payments. Its a scam in regards to how they can collect late fees and should be investigated
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I have a checking account with US bank number XXXX. A few days ago, US bank deposited the same check I sent TWICE, so of course it was only paid one. And then US bank charged me a {$19.00} check fee?!?. However, they did not charge the fee until I withdrew all my balance, so that way the {$19.00} would cause me to overdraft and then they charged me another {$34.00} to make my account be {$55.00} so they could continue to charge overdraft {$34.00} fee everyday. This is illegal.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had filed a complaint about an inaccurate " late payment '' reported on my credit report. TransUnion had fixed the issue, but this has re-appeared on my credit report. Here is the transcript of their response to the first complaint where they acknowledged the mistake and removed it. 

" We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX, we initiated an investigation with XXXX # XXXX and they verified the information as accurate. However, after reviewing the activity on your file, along with the information in our data base, we have removed the XX/XX/2019 late payment from XXXX # XXXX. In order to protect your privacy, we will mail an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX  XXXX XXXX  ET. Please visit https : //www.transunion.com/XXXX for frequently asked questions about your credit report. ''
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This company as added their selves to my credit report saying I owe them {$2600.00}, I know nothing of this company never heard of them before. I want to see signed documents showing that I owe them money on their letter head saying I owe them anything, I have never borrowed any money from them nor done any type of business with them. Now they are saying I owe them money I have never borrowed any money from them, made any promises to them about {$2600.00}. Never signed any documents with them, I want to see documents that they say I borrow money from them owe them money with my signature on documents saying I owe them money or got some kind of credit with them. Show me documents with my signature saying I owe them money. They can't show me documents saying I owe them anything. 

Show me documents with their letter head and my signature saying I borrowed from them or done any type of business with them. This is all fraud.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

This is what the bureaus are doing as a result of the Experian breach. Affected Experian customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my Experian report and my score and accounts were as expected. Experian includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the experian breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for Experian 's additional monitoring. I still am.