davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The dispute process with Transunion is non existent. The online dispute web-page/website does not work. If you are able to get someone on the phone and get a dispute started it never seems to get investigated, resolved, or changed. It just evaporates and the disputed data is not revised removed or otherwise changed. This is not a new situation. 
Transunion should not be allowed to report on a persons credit worthiness if they are unwilling to do the leg work to maintain the data they report as correct. I would think that there are laws that govern this in the United States. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-26
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: HYUNDAI CAPITAL AMERICA (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm this records ( 1 ). ( A ). I'm hoping that these disputed accounts get updated. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

Dear Sir I received a letter in the mail from this company called Velocity Investments LLC, and XXXX  XXXX XXXX for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX XXXX XXXX XXXX  for 17 years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the department. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the government offer credit monitoring for employees. This letter I received in the mail from them on XX/XX/2020.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Neither XXXX nor TransUnion are allowing me to access my credit file. I can not dispute incorrect data. This is in violation of my rights under the FCRA. They do this everytime I file a complaint with the CFPB in what appears to be retaliation for complaining to the agency about them.
Consumer complaint received 2020-09-11
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)

I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I was emailed by a XXXX XXXX that was recruiting for a company named XXXX XXXX XXXX for the Admin Assistant position. 

I accepted the offer and we walked through the interview process on XX/XX/XXXX. 

I was then sent an email stating that I was accepted to the team and had been asked to fill out onboarding paperwork etc. 

I was sent a check on XX/XX/XXXX through FedEx and was asked to deposit it. The total for that check was XXXX. The purpose for the check was to pay for work equipment for my home office. I deposited the check at my US Bank branch. 

The funds were made available on XX/XX/XXXX. I was asked to pay a vendor through XXXX a total of {$2000.00} for my initial product payment, due to an apparent cap on the amount of funds available to send. I sent the funds in XX/XX/XXXX. 

After I sent the funds I was asked to purchase gift cards, four cards {$500.00} each, totaling XXXX. I refused to do this and checked my bank account due to fear of scam. 

My account was XXXX. And I knew I had been scammed..
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express Card Member for 37 years and I have the XXXX XXXX card, the fees for which are {$5000.00} a year. In all that time my account has never been late, in arrears or unpaid. I have NEVER paid a late fee or interest charges. I am a loyal Amex cardholder, but even for me, Amex has defied the requirements laid out in the Fair Credit Billing Act ( 1974 ). My monthly payment was for {$15000.00}. I deducted {$800.00} as a result of items in dispute ( see attachment ), which I am allowed to do under the Fair Credit Bulling Act, and I paid {$14000.00}, which is 95 % of the billed amount. American Express then froze my card because I had not paid my account in full. The Act states : " Pursuant to regulations of the Bureau, a creditor ... may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. '' American Express ignored this regulation and froze my account ... and I later learned that it was because they believed I had underpaid my statement by a measly {$32.00}. Despite its public claims to the contrary, Amex does not care about its customers ... or the law
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

This is the Fourth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Consumer complaint received 2020-09-11
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. (TX)

XXXX ; Experian and XXXX should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-09-11
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. (TX)

XXXX ; XXXX and Transunion should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XXXX, 2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-06-03
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. (VA)

Experien has frozen my access to Social Security. I have tried to call them to find out what information they need from me to allow me to get into Social Security, but there are no humans on the phones. All I get is robots asking me the same questions, and sending me round and round in circles. It's a simple question, but it's not on their " list '' and I can't talk to anybody to ask it.
Consumer complaint received 2020-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DE)

On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2019-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sky Bridge Financial, LLC (CA)

Back in XX/XX/2019, I opened a loan consolidation account with Sky Bridge Financial ; and I have been on time with my monthly payments to Sky Bridge Financial since XX/XX/2019. Although I was making regular monthly payments, my account with Sky Bridge Financial did not show on my credit report until late XX/XX/2019. I noticed a sudden drop of XXXX points from my credit score when my account with Skybridge financial was erroneously reported to the 3 credit bureaus back in XX/XX/2019. My credit report showed that only one payment was made since the account was opened. I reached out to Sky Bridge Financial 's customer service department several times to inquire about this issue, but no one was able to help resolve it. 
The Skybridge Financial 's customer service agent that I spoke with in XXXX, first, told me that this type of account should not be reported to the credit bureaus and confirmed that Sky Bridge Financial did not report it. When I asked him to verify why, how, and by whom was the account reported, he told me that he couldn't help me with this issue and that his department only deals with payment collections. He recommended that I hand-write a letter explaining the problem to " the department that handles Skybridge Financial 's disputes '' ( it was a P.O box address out of XXXX XXXX, CA. XXXX and to file a dispute with the 3 credit bureaus. When I asked for a phone number, Sky Bridge Financial 's agent said that the particular department did not have a phone number and could only be contacted via mail. After I filed the dispute with the credit bureaus, TransUnion and Experian were able to correct and update my credit report. 
Unfortunately, Experian still shows the Skybridge account on my record as a collection company ; and this is affecting my credit score negatively. After I spoke with an agent at Equifax, he said that Sky Bridge Financial needs to send them a note asking to correct the errors from my report, before they could update my credit report. 
I reached out, again, to Sky Bridge Financial and asked to speak to someone in charge of issues with the credit reporting bureaus, but no one was able to help me again. 


Below is the latest email response that I received from Sky Bridge financial : " XX/XX/2019 XXXX XXXX XXXX Support Team replied : Hello, We received your e-mail. This matter needs to be handled by the credit report agency. We apologize for the inconvenience this may cause you. 

If you need further assistance, please contact one of our team members at the number listed below. 

Thank you and have a great day, Sky Bridge Financial Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX Email : Skybridgefinancial@FA-servicing.com Web : XXXXXXXX   Sky Bridge Financial ''
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I received at Text msg asking if I transferred {$2000.00} YES or No I text back No and immediately my phone ringed popping up XXXX Under Chase Fraud Department I spoke with a man who told me someone was trying to take {$2000.00} out of my account and I needed to send it back to my self. 
I was such in a panic so I just did everything he was telling me to do. Not realizing I was actually transferring the funds to him. 

After realizing what just happened I contacted Chase immediately, I filed a claim but unfortunately Chase declined it and told me that there was nothing they can do to get my money back. I contacted the news as my next resort. 

Please let me know if there is anything else I can provide regarding this matter. 

Thank you! 
XXXX XXXX.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been disputing XXXX, Equifax and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. XXXX 's website to dispute you can not even download dispute because it always says error messages. I have had several health  issues and XXXX XXXX XXXX  because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Consumer complaint received 2022-07-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Consumer complaint received 2020-11-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.