davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (FL)

Credence Managment is reporting an account that they promised to DELETE in full upon payment. The account was paid and yet today I noticed that they updated it as a settled collection as opposed to removing it fully from the credit as promised. Credence failed to keep their word and misled me to pay the account by promising a full removal from the credit
Consumer complaint received 2021-08-02
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. (CA)

XX/XX/21 - I just called Experian 3 times! They have zero live person support! XXXX! 
This is an agency that is here to help people with Fraud alerts and credit reports! And they don't have a live people support! They only have the XXXX automated robot! There was no way for me to speak to a live person. The issue is, I was not able to get verified on their XXXX  website, you know the one that has like 3 options and tries to sell you all this monthly XXXX! Why does the government support this lousy company! Experian is the worse! So I had my DL stolen, credit cards ... 
and I can't even get a hold of them to help me login and freeze my credit and post a fraud alert! How does this agency still exists! I called XXXX this is the number that is posted everywhere online for them. It's just a robot voice, and if you press zero, it will eventually hang up. There are no options to speak to a live person! I HATE THIS XXXX Company!
Consumer complaint received 2022-07-29
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. (MO)

I am submitting this complaint to follow up my previous caomplaint submit4ed on XX/XX/2022 regaring the removal of the Fraudulent information from my Credit report. I was frustarted to see that the Credit Bureaus have done nothing to helpe a consuemr in need! I am planning to pursue legal action against the Credit Bureaus if they decide so still not pay heed to my requests and continue reporting the diputed fraudulent items on my Credit File without proper verification. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. Let me remind the Credit Bureaus that they are obliged to comply with the FCRA section 605b if they can not prove that the items do belong to me by providing documents signed by me. I would greatly appreciate it if the Credit Bureaus can remove the following items at the earliest possible time : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2023-06-27
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 have attempted to have my address added to my personal information on my credit report several times since XXXX of XXXX. In XXXX of XXXX, I applied for a car loan with XXXX XXXX, myself and the loan officer was told there was no address on my credit file. Once an address was added to my personal information on my credit report, the address was incorrect. On a few occasions, I have provided proof of address and identification with a copy of my driver license and a copy of my bank statement. On XX/XX/XXXX, I applied for a credit card with XXXX. I was denied with a letter stating, I have no credit record available ''. Please help. 
Thank you.
Consumer complaint received 2022-07-21
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. (TX)

XXXX XXXX re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I had a XXXX XXXX back in XX/XX/2023 ( I had a XXXX ), an was in the XXXX for 2 months. I asked for help and submitted a GOODWILL Letter to the company. I need a little help with the late payment I received while being in the XXXX
Consumer complaint received 2021-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Student loans 1-14 from XXXX XXXX have been disputed continuously since XX/XX/2021. Each round resulted in TU stating that the information was " verified '' and no actions would result. I ultimately uncovered and submitted proof that the 14 student loans accounts that were marked 90 and 120 days late were actually never in fact delinquent as I was in forbearance at the time of the erroneous reporting. Now all of sudden that I submitted proof that these accounts should be updated to good standing. Transunion decides to DELETE all of the information instead of update their records to reflect positive payment history. This is a DIRECT ATTACK on my personal credit and well being and tu has caused me considerable harm since they stated these accoutns were " verified '' when they were not and then instead of updateing postive payment history over 14 accounts they decide to circumvent my request to update the payment history and instead removed EVERYTHING which is intended to hurt my ability to obtain loans based on good credit history and purposely designed to keep me paying high interest rates and face loan discrimination. I want transunion to come in to HONOR and update my records to reflect the positive payment history I earned and deserve.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I had XXXX sccount with synchrony. Had never missed one payment never late. Credit score good XXXX percent payments. Then on XX/XX/2022. They closed all account. And all they say is high risk for failure To pay. I've never been late ever. One card had just got in XXXX. There ruining my credit I worked so hard to build. This is so so wrong. Yet u go apply for a new card and they approve u. So u get another hit on credit. And lower average time of having credit. But that's what they tell you go reapply. This does not make sense to allow a company to do this to good paying people. That work hard to keep payments up and good credit.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (TX)

Problem 1 : I refinanced a loan with Mutual of Omaha on XX/XX/21 for {$270000.00}. Then I made 3 payments on the loan. 

{$2700.00} on XX/XX/21 Regular Mortgage Payment due XX/XX/21. ( {$870.00} Principal, {$600.00} Interest ) {$120.00} on XX/XX/21 Principal Curtailment {$750.00} on XX/XX/21 Principal Curtailment Principal Balance on the loan is {$270000.00}. Mutual of Omaha website shows the balance correctly.

But now Mutual of Omaha has transfered the loan to XXXX XXXX effective XX/XX/21 for a balance of {$270000.00}. Which is incorrect They have eaten up my curtailment payments shown above. That money ( {$870.00} ) is gone / disappeared! Want them to fix the principal balance. 

Problem 2 : I want a payoff quote from Mutual of Omaha. I called them and they refused to give me a payoff quote because they have transferred the loan. Even though their own letter states I can send them payments until XX/XX/21. And the loan transfers to the new servicer on XX/XX/21
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2024-11-06
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. (MS)

I was victimized by id theft, I did not authorize anyone to use my information, I have filed a police report, an identity theft report, and have mailed it to the credit bureaus. I called the credit bureaus and ask that fraudulent information be removed and it was denied. XXXX would not even remove the invalid personal information like addresses and SSNs etc. The following accounts are fraudulent XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX have not given these companies permission to use my credit and it was not authorized and i did not benefit, I have tried to work with the credit bureaus to no avail.
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I have received a notice from Sequium Asset Solutions , LLC on XX/XX/2021. This notice stated that I owed {$59.00} to XXXX XXXX. I have called the company stating that I no longer have an account with spectrum because when I purchased their services, the person who was setting up the Wi-Fi, threw a modem box at my father and upon hearing what had happened, I canceled my service and stated that I will not be paying for their services. I thought that XXXX would understand and told me that I would not have to pay anything and remove the equipment from my home on XX/XX/2021. I spoke with Sequium Asset Solutions today on XX/XX/2021 and they said that I had all them {$59.00} and say that they would add a notation to the account whoever stated that they would not be willing to forgive the {$59.00} after I told them what had happened. After that call, I contacted spectrum and they say that I do not have a balance and gave me a ticket number. The ticket number is XXXX. During the call with Sequium Asset Solutions, the customer service representative told me that they can not let me know if this would affect my credit report negatively.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX  XXXX  : {$700.00} {$700.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in XXXX column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lamont, Hanley & Associates, Inc. (CA)

As of XX/XX/XXXX I have not received a response from Lamont Hanley & Associates including a history of the account and whether you are licensed in California to pursue these types of debts. Furthermore, you have continued to contact me by phone ( most recently on XX/XX/XXXX ) after I have requested that you only contact me by mail. Both the failure to respond to my XX/XX/XXXX debt verification letter and the continued contact by phone constitute a violation of the FDCPA and I have taken steps to report you to the CFPB and our California State Attorney General for harassment.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates is using false and misleading statements, specifically that they are a Creditor, which they are not as defined by 15 USC 1692a ( 4 ). PRA has admitted they are a debt collector and not a creditor, proving their violations of the law. PRA is falsely claiming the Consumer Finance Protection Bureau furnishes consumer credit reports and using the term Bureau, defined at 15 USC 1692a ( 1 ), to compel payment of an alleged debt. Furthermore, PRA unlawfully accessed my credit report, specifically XXXX, on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On Tuesday, XX/XX/XXXX, I purchased and loaded with cash {$450.00} on an American Express Reloadable Prepaid card form XXXX store in XXXX Florida. Two hours after I checked the balance on the card it had a {$0.00} balance. I listed to the transactions that were posted to the account. To my surprize, there were 3 different purchases 2 from XXXX and anotherone from XXXX. I immediatly called the card service to see if they could stop payment. The card representative said the transactions were still pending and advised me to go on line and file a fraud complaint.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (OR)

I have a line of credit of {$4000.00} with Upgrade. My issue is that they do not file my credit limit but just my negative balance. By doing this they are making my credit file inaccurate every month. My credit file shows I'm using a higher percentage of my available credit. This is making it more difficult to get credit and competitive rates for credit.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2019 with Capital One XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Capital One XXXX, XXXX has taken federal reserve notes every month since the initiation of consumer credit transaction. Capital One XXXX, XXXX, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Capital One XXXX XXXXXXXX have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (CA)

On going collection since XXXX. Received collection calls & letters regarding a Discover Bank card ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, XXXX XXXX XXXX. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. XXXX XXXX XXXX filed a lawsuit against me for the Discover Bank account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.