davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Dispute : Late Payments Fair Credit Billing Act : XXXX XXXX XXXX  : I got those late payments because XXXX XXXX XXXX didn't follow the Fair Credit Billing Act. I never received any billing statements 21 days before my grace period.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IL)

Hi National credit systems has enter a debt that wasnt verified for an apt that I never rented. I call the XXXX XXXX XXXX XXXX about this debt and they said they had no record of me staying there. ..
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (FL)

I opened an account with XXXX XXXX I made a mobile deposit and now my account is restricted I was told by a representative to walk in the bank and to verify myself I walked into the branch and an employee told me to come back they see where I uploaded my documents and it should take up to 3 to 5 business days this is the 6th business day Im being disrespected By representatives I am being told they cant tell me anything even when I walk in to the branch I want access to my account where I could invest my funds and also carry on with my daily living expenses My Mortgage its almost behind I did everything that XXXX XXXX has asked me to do in speaking to a representative on the phone and from the representative telling me to walk into the bank Im getting ran around in circles can someone please help me
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Our new mortgage servicer, AmeriSave, failed to transmit our property tax payment to the County of XXXX within a timely manner. As a result, penalties were assessed, which the servicer agreed to take care of. However, they then forwarded payment for our taxes to the County three times for the same dollar amount. Now they are increasing our monthly payment and the loan principal without consent, and due to their error.
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC (TX)

I sent merican redit cceptance A certified letter via usps tracking # XXXX which arrived on XX/XX/2021 at XXXX. In the mail I sent was documents they sent to me violating my rights saying I owed a debt when by law I know I dont. As well as invoices for the violations. Below 15 usc 1692c. C2, 15 usc 1692c. C, 15 usc 1692c. b, 15 usc 1692b. ( 2 ) and as I write this today XX/XX/2021 American credit acceptance came and repoed the car which is a violation pursuant to : 15 usc 1692c. C.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-02
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: AMERICAN EXPRESS COMPANY (NY)

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account NumbeXXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (MD)

I have purchased a {$50.00} gift card for Google Play. I securely paid using XXXX XXXX for the gift card addressed to myself digitally with a serial number and yet again google prompts me to upload an image of the Digital gift card, receipt of purchase, and a picture of my ID in which I immediately do again. 

On my previous complaint to the CFPB # XXXX which took close to 3 weeks to resolve on behalf of Google. 

Google had tied up my money and didnt allow me to use my gift card for purchases. I received a Bureaucratic runaround and no evident action was being taken. 

I called and spoke to XXXX I had explained this matter is happening now for the 3rd time & was asked to wait it out like the last time then given Google Support Inquiry : Case ID [ XXXX ] which only addressed a separate issue which is Googles fraud prevention department locking up my credit/debit card purchases not even acknowledging the gift card situation. 

I dont want to have to go through this again as this department is not able to be directly contacted as well as unresponsive, Please assist.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

My account has been under review for more than 9 months. I have uploaded my ID documents 5 times and everything is correct. I have bought and sold cryptocurrencies up to 10 months ago normally, but I have not been able to trade for more than 9 months. 

I opened 3 tickets with the numbers # XXXX # XXXX and another. 

However, I have not gotten any solution. 

My money has been blocked for more than 9 months and it is impossible for me to operate. I don't know what other action to take.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX, I purchased a vehicle from Mazda. Mazda collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. Mazda used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''
Consumer complaint received 2021-12-06
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

This company bought my loan from another company while I was on a Covid-19 forbearance So shortly after they got my loan, I had already applied for mortgage assistance and was approved so while Im in forbearance this new company reported illegally that I was 120 days late. After I got on them about it, they promised they would remove it and my account be back normal in 30 days, well they lied its still there. I need ur help
Consumer complaint received 2019-09-19
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reported Late payment in XX/XX/year>XXXX  when it was not late. Due to XXXX XXXX  my automatic draft did not cover because I was in XXXX but made the payment within 4 days. It was not late. Also XXXX is showing no data for XXXX, XXXX and XXXX of XXXX  and they need to show on time because payments were on time I have proof as well as deferment signed by myself and them. THEY NEED TO PUT THE CORRECT DATA IN AS PAID ON TIME. Putting no data due to a deferment hurts my credit, they need to ADD PAID ON TIME FOR XXXX, XXXX AND XXXX, XXXX. I HAVE DOCUMENTATION AND IF YOU DO NOT REMOVE IT I WILL SEND THE SAME DOCUMENTATION THAT YOU HAVE SHOWING THIS. For the XX/XX/year>XXXX  REMOVE AND DELETE THE LATE.
Consumer complaint received 2022-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitol one has XXXX hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with capitol one. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I was approved for a loan modification in XXXX of XXXX. Due to COVID 19, the company extended three trial payment through XX/XX/XXXX. The trial modification was to include removing my former wife from the loan documents. Now after they have taken my money once again they still say they can not remove my former wife from the loan. I have asked and have been told numerous times how it must work to remove my former wife any number of times. I have written documentation from the Ombudsmen from XX/XX/XXXX that reads they in fact will remove my former wife name from the account, I have been going through this for 5 Years now, in addition I have offered to deal with this situation through a mediator. 

The loan was discharge through a bankruptcy, I was not told in could not be assumed.I have been trying to settle this for ages, how do I get some help here XXXX XXXX
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
This is my 2nd time reaching out to you and no accounts were deleted. This letter is a formal complaint that you are committing identity theft. You have failed to produce any documentation that shows I directly gave your company written authorization to place these items on my credit report. 
I am upset that you have included the information below in my credit profile. There are laws for credit reporting that ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in the documents.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CT)

I brought two dress online at Macys. I used my Macys credit card. Both dresses was too big so I return them with tags still on. Macys return policy is to get a full refund. However once I return the dresses the Clerk at the Macys store in XXXX Connecticut the charge me {$28.00} and called it " return stars reward. '' The problem is I did not purchase the dress with " star rewards '' or any " coupons '' I paid full price. I have no problem with Macys making my " star rewards points '' negative but to act like star rewards is money and charge me without my permission is stilling. I contacted Macys and they keep ignoring the fact they charge me {$28.00}. I believe Macys clerk took my money because I am XXXX XXXX XXXX. I should have receive a full refund of {$120.00}. I paid {$130.00} on XXXX but Macys is only crediting my {$97.00}. Macys is willfully ignoring the fact Macys charge me {$28.00} on XX/XX/2021 in all our email communications.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (NY)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2019-09-19
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: Lendmark Financial Services (PA)

LENDMARK FINANCIAL SVCS is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The credit bureaus are not respecting my right to privacy under 15 USC Code 1681 section 602 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are sharing my information to third party companies without my consent which is affecting my credit score in negative ways by reducing my score.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A total of {$3800.00} dollars was taken out of my account in the forms of XXXX XXXX   and XXXX XXXX while I was going through an identity theft period. I filed a police report, I filed an FTC identity theft report and reported it to my bank to get my money back. They told me theyll take up ton10 days to investigate and then issue me a temporary credit while they investigate. Bank of America took all 10 days and then emailed me in the middle of the night that they claim couldnt be resolved bc the  charges were authorized, my phone was stolen, MY IDENTITY WAS STOLEN, so of course it looked like me. I have since then deleted all of me email account and social accounts and reset all passwords and phone and did all I could on my end. What more did I need to do. I reported it to all the correct agencies. I just want my money bank at this point so I can switch to a credit union that better serves its customers. My FTC identity report number is XXXX.
Consumer complaint received 2022-12-19
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: United Shore Financial Services, LLC (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.
Consumer complaint received 2019-09-19
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. (OH)

TransUnion is reporting incorrect information on my account regarding an account I held with XXXX XXXX XXXX over 20 years ago instead of personally verifying this information they are taking information from XXXX XXXX XXXX verbatim which is totally incorrect I talked to a XXXX representative yesterday Wednesday XX/XX/XXXX and they told me the account was closed on XX/XX/XXXX the drop off date per Transunion and XXXX XXXX was to be XXXX XXXX. XXXX XXXX  has just bumped it up to XXXX this debt is 20 years old! why don't you verify this information with the original creditor before you repeat false information that has affected my life for 20 years. this account has prohibited me from purchasing a home, a car, or credit. Someone should be liable for false information made public that affects a person 's entire life
Consumer complaint received 2019-09-18
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 (PA)

CAPITAL ONE is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

I moved out of my apartment in XXXX, Fl back in XXXX and cancelled my electricity before we moved. Time flew by and I forgot to pay my final bill. I recently saw a collection through the company Helvey & Associates go on my credit report and immediately disputed it. I called the company and asked for information and asked why I was never made aware of it. They told me they dont ever call and they told me they sent a letter to my old apartment which I no longer lived at and had no access to the mailbox. I asked for the collection to be taken off my credit report and I would pay the full amount of the debt but the lady I talked to kept repeating that it was my fault and they wouldnt remove it, all while I was trying to resolve the matter and settle this debt.