davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-25
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: FC HoldCo LLC (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. 

My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. 

Please help!
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

On Monday, XX/XX/2019, I received an unsolicited, direct deposit credit card from Netspend. 

I have been unable to reach a live person at the company to cancel this card. 

The telephone numbers on the card ( XXXX, XXXX ) are automated messages for activation only ; and the enclosed literature does not provide anything different. 

I understand, by reading the customer complaints on the Netspend 's web site, that if the card is not activated or goes unused for 90 days, a monthly fee of {$5.00} per month is billed. I would like to avoid this and have this card cancelled. 

Netspend is located at XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

In XX/XX/2019 Comenity Bank decided to lower my Credit line, in XX/XX/XXXX of this year they decided to close my account after paying on time for 22 months, and after having a XXXX balance, for 3 months they decide to close my account. and no explanation. Credit file shows as closed by Lender, and has a detrimental effect on my credit score, they offer no explanation as to why the account was closed.
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX, XXXXXXXX XXXX XXXXXXXX , XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX XXXX XX/XX/19 XXXX pm Went to deposit a check with my card that goes to my fourth account that ends in XXXX and it deposited the money into my negative acct ending in XXXX. Within seconds of the ATM error I ran inside and asked for help the told me to call XXXX and noone could help me what so ever ..even though it was a atm error.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Hello, My mortgage is currently being serviced by Lakeview Loan Servicing , LLC subservicing by XXXX. They are very frustrating to work with I wish I didn't have to work with them. I have submitted my proof of XXXX XXXX owners insurance to them a total of 4 times. 3 times through XXXX  by calling XXXX and having them submit the correct documents, and another time directly through their website and even got a confirmation that I submitted the proof of homeowners insurance. But XXXX is still claiming they need proof of insurance. Every time I try to call them I wait on hold for over 30 minutes and I even try their call back feature and it never works. Today I was on hold for over 1 hour an still never spoke to anyone. I also paid for my XXXX homeowners insurance out of my own pocket, but that I why I have an escrow account, to cover my insurance but it was not paid for by the escrow account. So I need to withdraw funds from my escrow account to cover the money I spent. I also tried to submit a contact form though my online loan care profile but the website is broken and doesn't work. See attached screen shots of website broken, long wait times, website claiming they need my update homeowner insurance docs.
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX ; The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I lost my wallet as well as my phone on XX/XX/year> during a night out. A few days later I started getting money pulled off my account by cash app. At this time I had no access to my cash app because I lost my phone ( the only place my debit card was connected ) and immediately contacted cash app customer support to log in to my account because I no longer had the same phone so I wasnt able to log in to my account due to me not having the same number I ended getting a new phone and had the number transfered but they said wait until the charges stop pending. As of yesterday I tried disputing with my bank but all that has happened is them changing my card and saying Its under investigation but I had {$1700.00} stolen. Since I have changed my password on cashapp and filed a dispute. I have a newborn and bills to pay this has set me back extremely. When my next deposit comes in my accounts {$400.00} negative so it will be taking away from my next deposit as well. My Wells Fargo account has never been negative and I had no clue it could even go negative. I was also getting calls a fake Wells Fargo number. After consulting the police they said the number can be spoofed meaning it will show the Wells Fargo customer support number and not be Wells Fargo. I was told by the fake Wells Fargo number i will be getting a check to refund the stolen funds and some extra money due to the distress. I tried to cash it in on XX/XX/XXXX and it didnt work. After that I called Wells Fargo bank and they stopped the check before it could deposit.
Consumer complaint received 2019-07-25
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. (SD)

I returned a leased XXXX vehicle XXXX/ 2019 and received a bill dated XXXX/XXXX/2019 on XXXX/XXXX/2019 stating amount due for disposition fee and damages {$1100.00} due by XXXX/XXXX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XXXX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from XXXX XXXX XXXX/XXXX/2019 in the full amount of {$1100.00}. I called XXXX/XXXX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to XXXX XXXX I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to XXXX XXXX but could not remove the delinquency and suggested contacting CFPB.
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

I have a personal loan through Wells Fargo, it has been a horrible experience I have been charged late fees every single month and they have even called the co-signer and told them the loan was late when it was not and she made a payment, then turned around and got another payment from me. A late fee is added to the account every month and everytime I schedule a payment to come out, they do not take out, then charge me a late fee. I want a payoff offer on this loan, and all fees removed. This has been a nightmare.
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-10-01
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2024-11-04
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. (PA)

To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : 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
Consumer complaint received 2019-09-27
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. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is incorrectly reporting a collection in the amount of {$10000.00} on the XXXX XXXX  XXXX XXXX  partial account number XXXX. ( Please see page 21 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, but I have not been successful.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

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 XXXX 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 XXXX 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 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nicholas Financial Inc. (OH)

On XX/XX/19 this company called me at my job and I told them to never call my work number again. On XX/XX/19 I received a message from my coworker telling me that some company called him on his work phone asking about him about me while I was at lunch.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, TRansUnion and XXXX refuse to investigate this abusive process claiming they must remain for two years.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports