davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Employer : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Restriction from using my CapitalOne 360 debit MasterCard at a retail as a consumer. XXXX advise me to close my account by requesting the balance. They said my account was close. I ask them why was unemployment funds were deposit if it was closed? I ask them for what reason. The reason was because it was in the negative for a brief time.. I was unable to make transfers regularly from my XXXX XXXX account, have my employer XXXX XXXX direct deposit funds. The GDOL of Labor deposited unemployment to that account without me giving them that account info. After COVID-19 I input my Suntrust bank account for deposit of unemployment funds. I did use the 360 account due to  issue 's using the card.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CT)

I have requested a validation of debt from US Bank Home Mortgage on XX/XX/2022 through Certified Mail, they have not replied with any response. It has been over 30 days, according to the FDCPA section 809 ( 5 ). US Bank Home Mortgage is in violation.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (TX)

The problem is XXXX XXXX is reporting my debt as a charge off. However, I have been remitting payments to Radius Global Solutions ( RGS ). RGS is the debt collection agency for XXXX XXXX. XXXX XXXX refuse to reclassify my debt as paid as agreed.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

My credit card account at Capital One was closed. I have asked the company to delete my personal, legal, and financial information. They sent me a website to do that, and I tried to get it to work, but it would not work. I called several times and they tell me there is no way to purge my information. I no longer have an account with this company. They have no right to store, use, sell, my information.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NY)

Experian claims to be a great company and many other companies use it as a credit service. Meanwhile they don't report accurate information and they only point fingers to other companies. 

They do a terrible job at accumulating information and reporting accurate information. Therefore hurting the consumer. Their lack of communication and accurate reporting hurts ultimately the consumer. Hence everything with having to do with my XXXX  XXXX  in which they deleted on purpose inaccurate credit card reporting and ultimately not being held accountable for their own errors. The creditors act as mirrors. If they report one report it will go to another hurting the consumer. 

These credit agencies are a danger to the consumer and report inaccurate information. All they do is try to push their marketing and try to charge you money for things that do not work. They push emails on credit cards in which you do not need. 

They are enormous marketing machines and they do more harm than help. 

Thanks
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Today XX/XX/2020 The debt collector called my work asked to speak to my boss/supervisor. He explained to my boss that he is collecting a debt and needed to talk to me. She told him I was with a customer he told her he was needing to serve me a doc # XXXX. My Boss said I will give her the message. She did call me in to her office told me I was called by a debt collector and to fix my personal affairs. Now not even an hour later he calls again and speaks to another co worker and tells her the same thing. Now another employee knows about my personal business. Anytime I get a call from someone about a personal situation I make sure they know to not call me at work. The number that was called from and Unavailable but the company name is Central Sources. The Doc # XXXX I assume is an extension and his name is XXXX XXXX. I am at high risk of losing my job due to the private information that was shared and told to my Boss
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (CA)

XXXX XXXX is trying to collect a debt that they bought from XXXX XXXX XXXX. However, it is a debt that is past the statue of limitation for the state of CA pursuant to CA Civ Proc 337. It is over 4 years since last payment. They have not produced proper evidence of the amount owed.
Consumer complaint received 2021-02-18
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. (NV)

I have told experian multiple times to close my account with XXXX XXXX XXXX  on my credit report as I am in a litigation/lawsuit with the company due to wrongful doing done within their practice. XXXX and XXXX has done due diligence by removing and closing my account with XXXX XXXX XXXX. So please help fix this and notify Experian to update it for me to better our stress on this situation. Thank you.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CO)

I recieved a bill from a this company and i always mail my payment. However, one month they received the payment 5 days late. The check was dated for before the payment was due but it was not processed until after it was 5 days late. The company reported me as 30 days late on my credit report because of this and it has damaged my ability to get a home loan with the best possible rates. I had also mailed other payments into them that were received 5 days late as well but i never had a 30 day late payment put on my credit report. Technically the payment was only 5 days late and a late pay was assessed to my account which is fine. Since the incident, i have always paid more then i have agreed to pay each month as well and attempted to have them remove the late payment history but have not been successful.
Consumer complaint received 2020-08-12
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. (FL)

MISSING INFORMATION ON MY XXXX   AND EXPERIAN MY MORTGAGE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Something is very wrong here : I believe My XXXX, TransUnion and XXXX scores are being manipulated by the credit bureaus out of retaliation for the complaints I have filed. 
Facts : On XXXX My XXXX score was XXXX - 7 Neg accounts, 1 collection for {$9500.00}, overall credit usage at 35 %, Total Debt {$22000.00} XX/XX/XXXX ; NOTHING CHANGED SCORE up to XXXX On XX/XX/XXXX. XXXX, A few good changes : Collection account was remove, Number of late accounts dropped from 7 to 6, Overall credit usage a bit higher to 39 % ( Score dropped to XXXX ) XX/XX/XXXX : MORE GOOD CHANGES : No collection, Credit usage dropped to only 16 %, Total debt dropped from {$22000.00} to {$7800.00}, Credit card debt dropped from {$6200.00} to {$2700.00} and a XXXX Charge Off for {$20000.00} was changed to settled yet my Score barely increases to XXXX So how do I have all these improvements, no other negative accounts and my score doesnt change? 
Take another look : On XX/XX/XXXX, I had a collection account, 7 Negative accounts, Credit usage of 35 %, total debt of {$22000.00} and my XXXX CREDIT SCORE WAS XXXX On XX/XX/XXXX, I had the following Positive changes in my overall credit report : The collection account was removed, Overall Credit usage dropped considerably from 35 % to only 16 %, Negative account dropped from 7 to 6, Total debt dropped from {$22000.00} to {$7800.00}. My total Credit usage amount dropped from {$6200.00} to {$2700.00}, yet get this My XXXX credit score barely increased by 3 points to XXXX. How is this possible, especially since it is well advertised that Overall Credit usage is $ 35 % of our combined score and mine usage dropped from 35 % to 16 %? 
Additionally, XXXX is WAY WAY WAY off and always has been, look at the number of account amount owed and debt with XXXX compared to XXXX and TransUnion. I have tried correcting this for years and XXXX has done nothing. 
This errors cost me thens of thousands each year. That/s just me, imagine the damage to all Americans. 
****I guarantee the response I get from XXXX TransUnion and XXXX will be vague and not address the issue. 
This is one of many reasons why President Bidens plan to get rid of the Credit Bureaus will help over 100 million Americans. As all three Credit Bureaus have my information wrong, my score is inaccurate and numerous differences between each bureau.
Consumer complaint received 2021-10-14
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. (OH)

I recently received my credit report and noticed fraudulent accounts & fraudulent inquiries. I HAVE REACHED OUT TO THE COMPANIES & ALL FRAUDULENT ACCOUNTS AND ALL FRAUDULENT INQUIRES AND THEY TOLD ME TO CONTACT THE CREDITORS. I DID THAT AND THEY DID UPDATE. I Filed an FTC Report. Please remove all non account holding inquiries and fraudulent accounts as in they're not mine. 

XXXX, XXXX XXXX XXXX XXXX XXXX ARE NOT MINE ALONG WITH THE INQUIRIES LISTED IN FTC REPORT
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX As much as a year ago XXXX XXXX XXXX ( XXXX  ) contacted me by telephone attempting to collect an amount owed in connection with PayPal Credit/Synchrony Bank. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from XXXX  ( account number XXXX ) identifying the purported creditor ( Synchrony Bank-PayPal Credit ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, XXXX, XXXX and forwarded to me at a temporary address in XXXX XXXX. 

That same day, I responded to XXXX  ( letter attached ) categorically denying the obligation to be mine and requested XXXX  send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from XXXX  offering to discount the amount owed if paid in full. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from XXXX  and none of the requested materials. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from XXXX  and none of the requested materials. Today, XX/XX/XXXX, I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (KY)

I refinanced my XXXX XXXX with another company and Hyundai processed an additional payment in XX/XX/XXXX. I have been trying to get a refund since then. Hyundai assures me that they will send the payment for the overage of $ XXXX. I called them on XX/XX/XXXX and was told the check will be mailed. The last communication was on XX/XX/XXXX. I asked if they could transfer the overpayment into my account because I have been told numerous times that the check would be mailed and I have not received it yet. Hyundai told me the payment would be mailed that day of XX/XX/XXXX. To date I still have not received the payment.
Consumer complaint received 2020-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a Capital One Credit Card for 4 years. I never used the card before and kept requesting a copy of the card because I have never had possession of the card. They keep 'mailing ' it to me but I never get it. For some reason they pull my credit report 1-3 times per month for the last several years. I called them and everyone I speak to just transfers me and says 'it is out of their expertise. ' I want Capital One to stop pulling my credit report!!!
Consumer complaint received 2019-12-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (DE)

Lendmark financial keeps harassing me daily with phone calls and voicemails in regards to a loan for a repair that was never made. They even filed court action against me but didnt show up to court and non judgement suit was ruled in my favor. Yet even on weekends and holidays they are calling me still. They are a scammer company. Reviews from XXXX  XXXX  XXXX have informed me of other cases just like mine. I want them to leave me alone. Since XX/XX/XXXXthey will not stop calling me and its extremely disrespectful.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing stop sending Mortgage Statement XX/XX/2021 have request statement to be sent three times since and reply is always no they dont have to and just go online if I need a Statement I am not in bankruptcy and am offended to be treated as such
Consumer complaint received 2020-10-15
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-10
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. (WI)

This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NY)

Credit is my right, Ally Bank has discriminated against me with an adverse action in the form of a denial under 12 CFR 1002.7,15 usc 1681a, this being adverse to my interests as a consumer. Congress definition under 15 usc 1691 explanation of activities constituting discrimination says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION, this law is clear! Ally bank has committed a crime and continues to be noncompliant and willfully negligent on resolving this matter.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting this CFPB XXXX to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/2012 XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We are in the middle of COVID. I was laid off temporarily over the XXXX holiday due to COVID. I called the bank to tell them I would be late on this payment due to circumstances out of my control. They understood and were supposed to work with me on this. I missed XXXX 's payment but returned to work and paid this immediately. There was not supposed to be any negative information put onto my credit report. I just checked my credit and it shows a late for XX/XX/2021. 
This is not fair. I have never been late and the account is back up to paid to where i am scheduled to be paid on time.