davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (TX)

I have been sending documents to the Transunion since XXXX, asking to delete a fraudulent account ( XXXX ) that should not be on my credit report and all they been replying is that the documents I sent did not look like it was sent by me, however, with those same documents they received from they were able to verify my identity to delete other incorrect items on my report. It has been well over 60 days and they have not respond this time.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

the credit card company capital one reports one late payment for XX/XX/XXXX. 

Due to being short on hours due to covid I made that payment one day late and addressed this with customer service since for months. I sent multiple goodwill emails and anything gets denied I do understand I have a responsibility but covid hit us all hard. I made every effort to make this up and to resolve it. I never had any late payment for that account or never did I pay later afterwards in 4 years of having that card. 

I also went through divorce and had to find a place to live. the late payment made it really hard on my credit report. being from XXXX I didn't know that it would count so much in the XXXX for having that one late payment.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

As soon as we were affected by COVID-19, I called my mortgage company SPS on XX/XX/2020 ; I went into detail about our impact were all to be furlough due to the closures that COVID-19 caused and that I will not be able to make my XX/XX/2020 payment. 
I asked if SPS can assist in helping me with a deferred payment option until we went back to work will be sometime in XX/XX/2020. I spoke to the SPS representative, and she took down all my information. Weeks letter I received a letter from SPS stating that I was placed in a forbearance plan, and by XX/XX/2020, I needed to make a balloon payment of XXXX. 
I called again XX/XX/XXXX and explained I would not be able to come up with the balloon payment and asked how are they assistance with the COVID-19 situation? They asked me to submit my last paystubs to their online system, which I did. I applied for financial aid due to COVID-19. I was told to call again in a few weeks to know the status of my application. 
I receive another mail stating that my load is now in forbearance program and that I needed to make the arrangements to pay the balloon payment. Again I call SPS XX/XX/XXXX asked them about the letter they send me. SPS said that I needed to wait until the three months to see what plan I qualified to call at the end of XXXX. 
They said I could not qualified for the Financial Assistance program because my account was past due. 
Called XX/XX/XXXX, was told to go to the website and fill out more questions. I did not find the questions, called SPS XX/XX/2020, the agent went over the questions with me, and told again the only program available is a Foreberance plan with a balloon payment of XXXX. During my conversation with SPS representative, I stated I could make my monthly payment of {$1200.00}, but I can not come up with the balloon payment. 
SPS stated that's the only option I have.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 I added my TD bank checking account ending in XXXX to the payment method and made a payment of {$1000.00}. On XX/XX/2020 I received an email notice saying the payment was returned and I was charged a return payment fee of {$12.00}. I called immediately that night, I read the full account number to the agent to let him check if that is the number I input. He confirmed it. He can not explain why the payment was returned either. The agent on the phone helped make the payment again on his end. This time it was posted. 

In short, two payments were made with exactly the same checking account number. The first one was returned and charged {$12.00} by Target. The second went through. I have nothing wrong on my end since I input the correct account number and there is always enough balance on my checking account. The only reason for the returned payment I infer is a bug on Target website : It won't allow me to select " checking '' as the payment account type. On the " Step 1 of 4 :  Select the account type '' page, the menu only show " savings '', I think the second line should show " checking '', but it is blank and it does not allow me to select that line. This bug still exists till now. The screenshot has been attached. The agent on the phone told me that though he can not change the account time shown in my online account, he can make the payment again on his end that he can select the account type as " checking '' instead of " saving ''. And that second payment of {$1000.00} was successfully posted on both Target and my TD checking account.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Acknowledge Debt Resolutions (TX)

My wife and I both received phone calls from ADR Billing LLC regarding a debt I supposedly owed. When the caller told me the last XXXX of the social security number I told them they had the wrong person and to please stop calling us. A few days passed and today, XXXX my wife received a phone again from the same phone number XXXX. After my wife told them to stop calling he began to use abusive language and even XXXX remarks. He called her a XXXX XXXX and you still live by the XXXX  and hung up.
Consumer complaint received 2022-10-12
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. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2020-07-15
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. (OH)

XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX  needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ID)

XX/XX/2020. We are attempting to get our mortgage refinanced. We logged in to the account at Experian and filled out the required information. The page eventually showed our account as unlocked so I informed the bank we are working with. When the mortgage officer attempted to access the file, he was told it was unlocked. I went to the website, looked at the page, took a screenshot where it said " UNLOCKED '' - it it WAS NOT! The bank called and told me, so i attempted to go through the phone number at Experian. That would not work either. I am disappointed and frustrated at the lack of a " REAL PERSON '' to talk to. After all, it is MY INFORMATION they are holding hostage!! Please lodge my vociferous complaint!!
Consumer complaint received 2020-07-16
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: DISCOVER BANK (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-07-15
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. (MD)

There is a collection reporting on my credit report from XXXX XXXX XXXX regarding a dental bill from XXXX XXXX. I've tried numerous times to dispute this item thru the credit bureau but to no avail. I've tried to get more info about the collection from both the dental company and the collection agency but to no avail. I've always had dental insurance and I've visited this dental office several times in the past and never was told that I had any outstanding bill. I always asked the receptionist if I owe any money prior to them performing any dental work bc I like paying beforehand.. the receptionist would always check my insurance and advise me that no money was due ... I never received a bill for the collection amount of {$1400.00} or an option to even dispute it. This company was unprofessional with dealing with this matter. They placed me in a debt collection of {$1400.00} and reported to the credit bureaus which should be removed.
Consumer complaint received 2020-07-15
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. (CA)

I AM VICTM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO EXPERIAN AND I AM REQUESTING THE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NEVER AUTHORIZED THESE ACCOUNTS TO BE REMOVED, I NEVER AUTHORIZED THE CHARGES. I AM A VICTIM, WHAT PART OF BEING A VICTIM IS A JOKE TOT EH CREDITORS AND TO EXPERIAN. THE AGENT FROM EXPERIAN REFUSES TO FOLLOW THE 605B 10 U.S.C. & 1681c-2 ) WHICH MEANS THAT THE BUREAU NEEDS TO BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-24
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. (FL)

In accordance with the Fair Credit Reporting act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item, other than records of convictions of crimes which antedates the report by mote 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 believethat the information is inaccurate.
Consumer complaint received 2022-05-02
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. (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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (ND)

A one-time settlement payment was made on XX/XX/2020. I placed a call to the company on XX/XX/2020, the representative confirmed that my account was settled and that the balance owed was {$0.00}. I filed a dispute with XXXX  on XXXX XXXX so that the information would be updated ASAP. XXXX  had found that all the current information of the debt being owed and account status as open was correct, even though I had confirmed with the collector that the account was settled.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Im filing a complaint against FCO based on their continued attempts to collect an alleged debt that is intentionally abusive and deceptive. Im demanding that the collection company cease and desist all action against me, as my evidence is more than sufficient. The main points as per attached : 1. ) The original Lease included an attachment move-in/move out form thats signed by leasing manager, and clearly showes damaged flooring. Furthermore, attached confirming letters from leasing manager.

2. ) Moved out early due to breach of contract - Violation of the implied warranty of habitability under California code section 3 D616 civil code 19411942. No rent due for period alleged.

3. ) If money was due 3 day notice would have been attached to door, followed by court filling for eviction and unpaid moneys including any damages. This never occurred because there was no damages or money due at move-out.

4. ) Accounting Statement sent was a clear indication of a deceptive debt and intentionally abusive. The total amount is intentionally inflated to collect a higher amount by adding on numerous fees, then apply the same fee a second time. Double charges for same item on services never rendered, late fees charged on rent not due, etc.

The collection company purchased a fraudulent debt. The alleged debt is intentionally abusive and deceptive as outlined in attached documents. Therefore, FCO must cease and desist all collection activities against me.
Consumer complaint received 2020-07-06
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. (MA)

XXXX  AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX  IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by XXXX XXXX XXXX XXXX   from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from XXXX XXXX to XXXX XXXX XXXX. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. XXXX had different privacy policies than XXXX XXXX that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XXXXXX/XX/XXXX, XXXX reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to XXXX for the same amount as had been for the past 10.5 years. XXXX / XXXX reported this to the Credit Agencies taking my Credit Score from just above XXXX down to about XXXX   Eventually, XXXX and I were able to determine that XXXX had different privacy settings than XXXX XXXX and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than XXXX XXXX had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with XXXX they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. XXXX moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request XXXX to do that action. When I followed up with XXXX to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If XXXX had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with XXXX and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %. 

In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.