davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

For weeks I have tried to login to my account. The website keeps providing the message " Network error. Please try again later. '' This message is received after entering my user name, answering the challenge question and providing my password. This is preventing me from managing my account online and as a result I have to send payments through my bank 's bill pay option.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (CO)

Hello. So about 4 years back I was part of a gym, XXXXXXXX XXXX XXXX in XXXX. When we moved from the west side of the city, to the east side of the city, I tried to cancel my month-to-month contract with the gym. This is where things became impassable. At first I went in, in person to cancel, but was repeatedly told the manager that handles the cancellations is not in. Of course I asked when they would be in next, but was never given a straight answer. I tried to call at least a dozen times, was given the same answer every time, the manager wasnt in. Theyre a meat head gym, so they dont have or use any emailing system. If they do, I never saw the address/they certainly didnt make it readily available. I vividly remember talking to my mom during this time and being extremely upset about the situation because I knew, eventually, it would come to this ( collections issues ). So, I was forced to contact XXXX XXXX and to have them deny the request for charges that way. Meanwhile, they were getting months of payments, while I wasnt using their service, and havent been there in 4+ years obviously. I was just rejected for an XXXX XXXX  when technically, I see a XXXX credit scores as of today, because I have XXXX derogatory remark on all of my accounts, all from a month-to-month contract that I exhausted the means by which to cancel, many times over. I am so tired of dealing with the business and the collections agency. I have disputed the claim with the credit bureau at least twice, nothing. I refuse, absolutely refuse, to pay this bill. I did not over use any service ( they in fact got many many more months of payment when I didnt even go to theyre gym because we moved ), they refused to cancel my membership, then the pandemic happened, and they were completely shut down, I tried sending a letter to the gym, but obviously, it was returned because they were closed and not receiving mail.I have no idea what else to do. And again this was well over 4 years ago, Id be beyond shocked if even the gym has paperwork to support their claim. I have no paper trail because, again, they were closed due to the pandemic, and they had no email.
Consumer complaint received 2020-07-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had opened this checking account more than ten years ago with XXXX XXXX Bank, and when the account opened, there were no minimum balance or deposit requirement associated. 

However, since that time, it has been bought by Capital One, and Capital One has since re-branded their 'products ' so many times I have lost counts. 

I have been generally using using my joint account with my wife, and have not bother to use this checking account for years. By chance, one credit card payment was paid through this account in XX/XX/2019, causing the account balance to dip below a threshold amount. 

Since then, Capital One has been charging a monthly fee of XXXX until I discovered this charge. 

Capital One refuse to refund the fee, and said to me that " that has been the rule since the account was opened. '' This is completely untrue because this account was not even opened with them, they can not had this rule in place at the time.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

I used the Care Credit Card for medical and dental procedures because they offered 2 years no interest. I paid the card every month on time some times way above minimum payment, which is over {$400.00}. I have 12 months left to pay the balance of {$3000.00}. The minimum payment has stayed at {$440.00} which is way more than it should be. {$3000.00} divided by 12 months is {$250.00}. So I am being forced to pay it off 6 months sooner than the promotional offer.I called them and even spoke to a supervisor and they basically said too bad. it is what is is.. So clearly the promotional offer until XX/XX/2021 is fraudulent?
Consumer complaint received 2022-08-01
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. (MO)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

My mortgage was sold from XXXX  XXXX  to freedom mortgage since then I have tried contacting freedom mortgage about documents and information about removing my escrow and refinancing my loan. I keep getting the run around. Ive asked why my mortgage come up another XXXX a month and the reply I received was my taxes rose and to contact the town I live in can u please help me with my issue thx out XXXX
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 I was notified via text and email to a charge Bluebird Fraud Free Msg : Did you try to charge {$150.00} on Card ending XXXX at XXXX XXXX Reply 1 if Yes, 2 if No, STOP to opt out. XXXX and my response was No because this charge was being done out of XXXX Florida as my current location was XXXX Florida where I work and XXXX Florida where a reside. Therefore that was not me. So I did call XX/XX/2020 to find that my card was used in another other state on the same day totaling $ XXXXXXXX XXXX XXXX  {$63.00} and 3 transactions at XXXX XXXX XXXX  {$120.00} {$210.00} {$180.00} {$140.00}. How was this possible but this definitely was not me and I didn't authorize any of this transactions.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

After reviewed response of dispute letter I sent via USPS. XXXX XXXX XXXX  on XX/XX/2022 response returned with Inaccuracies and deficiencies ; On XXXX credit file they are listing inaccurate unverified and invalidated listed below accounts. Moreover no consent by me the consumer has been submitted to me showing proof I consent to my private information being shared ; initially I requested XXXX REMOVE personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting act 15 USC 1681. Accounts named : XXXX # XXXX, XXXX.. # XXXX, XXXX. # XXXX, XXXX # XXXX, XXXX.. XXXX XXXX, XXXX .. # XXXX, XXXX.. # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, all have deficiencies and inaccuracies ; these accounts are and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 6802.15 U.S.C 1681 section 602 A. States I have the right to privacy. No financial Institution is not supposed to share my information to the third-party peoples. 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. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I despite all the fore-mentioned accounts and respectfully require XXXX to remove all said accounts.
Consumer complaint received 2020-07-03
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 have disputed my Car Loan balance with XXXX XXXX XXXX XXXX XXXX many times with Equifax. As of today the Car Loan balance with XXXX XXXX XXXX XXXX XXXX is wrong and disputed. 

The previous disputes with Equifax are listed below : Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed Equifax Confirmation Number : XXXX 1. Submitted XX/XX/20 2. Active 3. Closed
Consumer complaint received 2019-11-04
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: WELLS FARGO & COMPANY (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-12-06
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Subject : Request for Access to My Credit Score and Report To Whom It May Concern, I am writing to request immediate access to my credit score and full credit report, as I have been unable to view this information. Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to access my credit report and related information to monitor my financial standing.

Despite my efforts, I have been unable to obtain or view my credit score through [ specific source, if applicable ]. I kindly ask that you investigate this issue and provide me with access to my credit information immediately
Consumer complaint received 2020-07-06
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 (CA)

I opened a zero annual fee XXXX XXXX Rewards card with Bank of America in XXXX of XXXX. 

On XX/XX/XXXX, I found that I have been incorrectly charged a {$39.00} annual fee every year since opening the card. 

I have spent a lot of time and effort on the phone with several Bank of America employees and supervisors trying to get the {$310.00} I have incorrectly paid in fees over the years refunded, but each attempt has been unsuccessful. 

In addition, I was told on my several calls that the BOA XXXX XXXX card only became 0 fee on XX/XX/XXXX XXXX a lie ) and that I would be refunded XXXX of the annual fees I've paid ( confirmed by supervisor XXXX to be a lie ).
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/2020 I received a notification from XXXX Credit monitoring that a collections account has been placed in my file. Paragon Revenue Group had opened two collections accounts one in the amount of {$3200.00} and a second for {$230.00}. At no point have I ever received notification from Paragon Revenue Group, either via the phone or through the mail, that I have any outstanding debt with any medical provider, furthermore I have not had any treatment or service outside of a single routine doctors visit in the past 14 months, for which there is no outstanding balance. 
I have written to Paragon Revenue Group, at an address that I found online, requesting validation and removal of these collections. Given that I have never had any correspondence with Paragon Revenue Group, or anyone else, I do not have account numbers or other information in which I can base this validation request on beyond my name and address.
Consumer complaint received 2020-07-02
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: BARCLAYS BANK DELAWARE (NY)

Hi, I purchased airline tickets ( Frontier ) with my XXXX card totaling {$820.00}. I was scheduled to fly to XXXX XXXX with my family on XX/XX/XXXX. However due to Covid 19 the airline cancelled on XX/XX/XXXX. They never offered a refund but instead offered vouchers that had to be redeemed within 90 days. th. Much to my dismay having recovered from XXXX as I have proof of being tested positive for the antibody and my family also suffered a XXXX due to this virus, I contacted the airlines and they refused to give me a refund for something I was not able to redeem. The trip was canceled due to COVID19 and we had time to redeem vouchers for an unrealistic timeframe as States/Government official stop traveling for that time and we are still considered to fly at our own risk. Other airlines provided a reasonable timeframe to rebook up until XX/XX/2022and under different circumstances refund you if you were affected by COVID19. I tried disputing the charges but XXXX card gave me a temporary credit but recharged the charges on my account even after explaining that the vouchers no longer work because they had to be used by XXXX XXXX. We are still dealing with a global pandemic and it is unrealistic to book or plan a trip as we are still dealing with alot. Please help me dispute the charges.
Consumer complaint received 2020-07-06
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. CHAPTER XXXX   BANKRUPTCY DISMISSED XXXX XXXXCHAPTERXXXX BANKRUPTCY DISMISSED XXXX CHAPTERXXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2021-03-10
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. (FL)

I like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (TX)

PLAZA HOME MORTGAGE acquired my loan in XX/XX/XXXX. I had to contact them 4 separate times on XX/XX/XXXX, because the first 3 people hung up on my wife and I. They had not paid my county and city property taxes from the escrow money they collected from me at closing, over 4 months ago! On XX/XX/XXXX, at PHM 's request, i emailed them the county and city tax bills. As of today, XX/XX/XXXX, they have still not paid my city tax bill! THIS WILL ABSOLUTLY STOP ME FROM GETTING ANOTHER LOAN WITHOUT DOUBLE PAYING THE BILLS!!!! I am on the phone with them, right now, and their cavalier attitude to this situation and its affect on my business IS UNACCEPTABLE! THEIR NEXT " PLANNED '' PAYMENT OF MY TAXES IS XXXX???!! SO THEY'RE TELLING ME THAT XXXX WONT GET PAID, ACCORDING TO MY ACCOUNT .... IT'S CRIMINAL THESE IDIOTS ARE ALLOWED TO SERVICE LOANS!
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent letters to the 3 credit bureaus ( XXXX, Transunion, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account. 

Letter 1, 2, 3 & 4 was certified mailed to XXXX, Transunion & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18, Transunion : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, Transunion : XX/XX/18 & XXXX : XX/XX/18 XXXX letters XXXX ). 

XXXX : XX/XX/18, Transunion XX/XX/18, XXXX XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for Transunion, XXXX, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. XXXX also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Transunion : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.