davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2023-02-28
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. (CA)

I Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts
Consumer complaint received 2023-02-25
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: NAVY FEDERAL CREDIT UNION (FL)

I filed a dispute with my credit card company regarding an issue/unauthorized charge on my card. I sent in all of the supporting documents that was requested in a timely manner. The company that was disputed, XXXX XXXX XXXX XXXX Fl for {$630.00} on XX/XX/2022, is a scamming company who claims to fix/repair vehicle parts, but ultimately is causing the vehicle/ CPU more issues than before, which causes XXXX XXXX to request more money from the customer and will still give the customer/myself a broken part which causes my truck to not run/drive at all. I will attach all of the documents including the note sent to Navy Federal credit union to remove the unauthorized fee that we NEVER agreed upon. Navy Federal then gave us a temporary credit and after submiting all of the requested paperwork, they still showed favor to the merchant who could not have provided any proof that the charge was authorized. The fee that WAS authorized was paid by another card that is not Navy Federal and the amount was significantly lower than the {$630.00}. My husband and I ended up with a unfixed truck and double paid repair expenses for a vehicle that we still can not drive. 

Dispute read : Once I got the part back on my truck after the repair, the truck was still acting up and undriveable. Hence why I took it to XXXX to get a diagnostic check on it. The 2nd upload reads the issues that are mainly wrong with the truck and the CPU still being the biggest issue, which was supposed to have been fixed by XXXX XXXX. I reached out to XXXX XXXX to advise them of the situation with the part. They stated that I then needed another part for the truck and will need a card on file for holdings. As well as to bring the part back IF I want to proceed with then fixing the truck. I declined for future services, which is why I decided to have XXXX fix this issue now instead of XXXX XXXX. XXXX XXXX  then charged my card on file without authorization, no receipt, or reason as to why the card was charged. My wife and I just so happened to check our credit card charges and noticed a unauthorized charge from that company. We tried calling them to get answers and our money back but to no avail. Then we researched the company on XXXX and the results were so alarming and disturbing.
Consumer complaint received 2023-02-28
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. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting 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 disputed the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX with Transunion and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to Transunion, XXXX AND XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. Account : XXXX  XXXX Account # : XXXX, ACCOUNT : XXXX  ACCOUNT # XXXX, ACCOUNT : XXXX XXXX ACCOUNT # : XXXX, ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX XXXX  ACCOUNT # XXXX ACCOUNT : ( Original Creditor : XXXX  ) ACCOUNT # XXXX ACCOUNT : XXXX ACCOUNT # XXXX, ACCOUNT : XXXX ACCOUNT : XXXX, ACCOUNT : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT : XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

There is an account on my credit report that says I owe them money for something. I've never done business with them I have no idea who they are. Experien just keeps saying " oh they verified, '' how the XXXX would they do that when I've never done business with them. This is the second time I've disputed the validity of this report and twice now they've just blown me off automatically siding with whoever this company is. 
This is costing me money by hurting my credit score with no option for recourse without spending a ridiculous amount of time and money. 
But hey this is how you keep poor people poor and the rich, rich I guess. 
Just another scam working against consumers.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OK)

Comintity bank is refusing to assist with getting me an email That allows me to directly link my card to the website. Zales is telling us that its them and they are telling us its Zales but they are holding the credit limit hostage and arent allowing us this information so we can make the purchase. We have tried for over 2 hours to get this information. The rep even stated to me a few minutes ago that we were lied to.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

See Complaint XXXX with Ace Cash Express. 
On XXXX, a business only called XXXX at XXXX Representatives name is XXXX ext. XXXX called me stating they were in the process of filing legal action for a debt they had bought from Ace Cash Express. If you look at my complaint number above with Ace Cash Express, it clearly stated they sold this debt to a much different collection agency not XXXX. XXXX refused to mail me anything to verify my debt.
Consumer complaint received 2020-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Good morning, I am writing this formal complaint in regards to my mortgage with Freedom Mortgage. I have had this loan since XX/XX/XXXX, originally with XXXX. I filed for bankruptcy in XX/XX/XXXX. It was denied several times and confirmed on XX/XX/XXXX. 

XX/XX/XXXX, 12 days after Freedom Mortgage bought the servicing rights to my mortgage, Freedom Mortgage filed a motion for foreclosure. 
An Attorney XXXX XXXX of XXXX XXXX XXXX stated it was withdrawn because I was in Bankruptcy. 

XX/XX/XXXX Freedom Mortgage Filed another motion to foreclose. 

On XX/XX/XXXX XXXX XXXX, Legal Assistant with XXXX XXXX XXXX emailed my Lawyers office stating tat the cure had been satisfied. As you can see because the XXXX mortgage statement said I only owed {$1600.00}. As oppose to the {$18000.00} in XX/XX/XXXX statement. 

XX/XX/XXXX. The Trustee XXXX XXXX started the discharge process and Freedom came back with a cure that they could nopt explain where it was from. 

The first Monthly Statement after the Chapter XXXX was XX/XX/XXXX. It said balance due of {$4600.00}. I paid {$4800.00}. XX/XX/XXXX Freedom statement did not acknowledge the payment and hasn't since. 
I have paid all monies owed through the Trustees stated payments to the Chapter XXXX, In the amount 0f {$23000.00}. see attached. 
AS well as {$600.00} over what shold have bben paid since the cure was acknowledged satisfied on XX/XX/XXXX by XXXX XXXX XXXX. 

I have all monthly mortgage statements and pay history that I have sent to them. Freedom and XXXX XXXX XXXX refuse to acknowledge that the bankruptcy was paid in full of what was confirmed. 

The stress from this has been hard on my family. My wife had a XXXX XXXX last month and was diagnosed with XXXX XXXX. 

The derogatory reporting on my credit report is affecting my professional licensing. 
Freedom has told me several times that it was fixed and then they move forward towards foreclosure without notification. I have hours of recorded phone calls with Freedoms Call center showing this. 
They are now threatening me that if I do not agree to a modification at 3 % on a 30 year fixed, extending my loan another 5 years, by XX/XX/XXXX I will go into foreclosure again. 
So they think I'm worthy of a lower rate of 3 %, which is still .5 % above market pricing on a VA streamline but they still might foreclose. 
That sounds illegal to me. 
Please see attachments that validate everything I'm saying
Consumer complaint received 2020-11-13
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: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase has allowed a foreign merchant to fraudulently bill me for a card not present transaction for medical treatment of a person who is dead. I have provided all the proof to JP Morgan Chase but they closed the dispute with a form letter with no reason given, no counter evidence supplied and have attempted to allow the foreign merchant to steal over {$1600.00} USD from me. See attached file for full details.
Consumer complaint received 2020-11-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (PA)

I asked for a modification in 2017 and they forced me to sign one that raised my mortgage Payment from XXXX to XXXX and extended it 16 years an i have been paying on it yet my principle never moved from the original amount. The pa attorney general took them to court yet they never helped me even when i complained about it
Consumer complaint received 2023-02-23
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. (IL)

XXXX and Equifax have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I received only one letter that I had to paid a certain amount to keep my account open. I did pay the amount on time and been paying XXXX  every two weeks. On XX/XX/2020, I paid XXXX again and on XX/XX/2020 I paid XXXX dollars to catch up on my late payments. Not once I received a letter that my account was closed or was going to be closed. By XX/XX/2020 I was on schedule to finally paid off my late payments. With the virus damaging a lot of house, I am a XXXX XXXX  and was not looking for a closed account when I been on the card.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent credit report on XX/XX/2020. I notice that both Transunion & XXXX  is currently reporting accounts that we're removed or deleted In previous months. Please see attachment. 

Old account under the name : XXXX XXXX XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX  ( deleted ) in XXXX of 2020 New information being reported as follows ; XXXX XXXX XXXX XXXX ; original creditor ; XXXX XXXX  XXXX ( violation ) Notice ; the company changed or switch the name of original creditor and resubmitted account intentionally the damage my credit ratings. this is fraudulent, misleading, inconsistent, Unverifiable, And inaccurate a violation of FCRA rules. 

Violation : for reinserted in and around XX/XX/2020 without 5 business days notification as required by federal law.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

On XX/XX/2020 I attempted to transfer money online via XXXX with my card issued from WAY2GO ( Conduent Bank ). The bank declined the transaction and XXXX XXXX sent me a email for my records showing that it was not able to be completed due to the bank declining my transaction. Yet, They ( WAY2GO ) still took the money out of my account, as if they never declined it. I immediately called and kept calling for almost a week of waiting on hold for more than 4 hours each time ( I have all screenshot proof of wait times on hold with this company ), Finally I got a lady who helped me file a " dispute ''. I was told as long as I sent in my paperwork to them filled out that they were going to credit my account the provisional credit, seeing as how XXXX XXXX had already provided me with the required proof showing that they did not receive a dime from WAY2GO card company NOR did I. I faxed in my paperwork the very next day ... to be put on hold again and again. They charged me a fee EVERY TIME I CALLED THEM EVEN WHEN THEY WONT ANSWER MY CALLS ANYMORE SINCE THEY REALISED THEY MESSED UP AND WONT GIVE MY MONEY BACK. On top of all this, they send me a letter 90 days later saying they could not find any wrongdoing and I would not receive the money they stole from me. I have been lied to by this company for the last time and If I wanted to call them to speak with them about their so called investigative findings that I provided them MYSELF!!! IT WOULDN'T MATTER BECAUSE AS SOON AS I ENTER MY ACCOUNT NUMBER INTO AUTOMATED SYSTEM THEY HAVE IT HANG UP ON ME. WOOOW.!!!!
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are inaccurate items reporting on my credit and I contacted these companies over 90 days ago about it and nothing has been resolved ... ..
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXXXXXX Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX XXXX Experian have failed to update it correctly