davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-29
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. (NC)

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 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-22
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. (GA)

I have been disputed with Transunion, XXXX, and XXXX on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from XXXX proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. XXXX believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Reporting FIVE TIMES! ] ; XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXX XXXX XXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all XXXX accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (MN)

I been receiving phone calls of harassment, profane, abusive, vituperative language, threats of being sent to jail and prison, threats of XXXX and death from Bonneville Collections Debt Collection Representatives for a debt collection account from the original creditor XXXX XXXX XXXX XXXX for {$11000.00}. The debt collection account is a fraudulent account and not my account and is the result of identity theft. Reference Number : XXXX. Bonneville Collections is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CA)

We will be experiencing financial loss due to the negligent actions of UWM ( our current mortgage lender ) due to their failure in servicing our current mortgage loan properly. For the last month, we have been requesting UWM provide us documented proof of our payment history as well as an active mortgage to show as proof to a new mortgage lender we are in good standing. They have failed to provide these documents despite nearly half a dozen requests to do so over the course of the previous 45 days.

We have deposited earnest money with a seller for a new property purchase, and paid for property inspections and appraisals, but due to UWM 's failure to provide us with any documented proof of payment history or account status, this has affected our ability to seek new credit. 

This issue arose as a result of my wife and I electing to use SCRA protections for military members. This offers a 6 month mortgage forbearance without accruing interest. in the process of leaving SCRA protections our mortgage lender apparantly messed up our account very bad, increasing out monthly obligations by {$500.00} and blocking us from making payments. Currently, these two errors have been resolved but they are failing to provide us with proof of our payment history and account status despite nearly a dozen requests over the previous month.

We have contacted a military attorney who submitted a formal demand letter to UWM around XX/XX/XXXX notifying them that discriminating against service members who have filed for SCRA protections is illegal and they continued to fail to provide the documents we have been requesting. 

One of our payment history documents provided was an empty document. There was a page that explained how the payment document was structured, and then the next page said " contact customer service if you have questions '' ... no payment history anywhere in the document. 

Our documents we have been uploading to their portal have regularly been getting deleted. I can not access a single document I've uploaded to their document portal over the entire course of our loan. 

Additionally, their " chat with us '' service reps have a very frequent habit of ending chat as soon as they actually look at our account.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (FL)

Re : Complaint XXXX you sent me an email saying the company had responded and are still working on it. i can not see the company response as it is not posted where i signed in. what are they investigating, three ( 3 ) unauthorized billings. I want the account closed immediately!
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Enterprise Systems, Inc. (TX)

National Enterprise System is the 3rd party trying to collect in this debt. XXXX XXXX purchased this debt from XXXX. Now XXXX is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes.

Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices.

Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Consumer complaint received 2022-09-22
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. (MI)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX
Consumer complaint received 2022-09-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online. I called the customer service line and they put me on hold, came back told me my account was closed couldnt give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. I explained how I'm not okay with this because it's my life savings and $ XXXX. They said there was nothing they can do. I then chatted their system online and they said that it was " blocked not closed '' and they would fix this and that the people over the phone shouldn't be saying that ( I've attached the images ). 
I then talked to someone over the phone that seemed actually really helpful. They said the same thing and talked to their team and then verified a XXXX  transfer I made from XX/XX/XXXX to a XXXX  account I have. They said that was the issue, now I could call XXXX and open a new account and have my funds transferred immediately to those accounts. 
I called and explained to that person and they said my account said only to in person branch, the nearest in person branch is in XXXX and it's a 4 hour drive from where I live. They said they couldn't do anything and then I asked to talk to a supervisor. They transferred me over to a fraud supervisor ( employee ID : XXXX ) and he said his name was XXXX and the only option was to go to the branch. I said I couldn't do that and I would keep trying to find other alternatives. He was not helpful at all and said that it was closed and I would receive a letter and check 30-60 days.

I called back to customer services which I've been on with all day and I'm still on hold because they said the only option now is to wait the 30-60 days to receive a check, I feel like after I called many different people they really changed my options. I've heard so many different things and feel like I've been given options and then them taken away. There is no fraud, everything I've done was legal and I can't wait for that long to have my life savings by check in the mail. 

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. Im just supposed to sit here and hope and wonder when I get a large amount of my money?
Consumer complaint received 2022-09-22
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)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more 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 believe that the information is inaccurate. 


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Consumer complaint received 2022-07-22
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. (GA)

I have been disputed with XXXX, Experian, and XXXX on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from XXXX proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. XXXX believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Reporting FIVE TIMES! ] XXXX XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXXXXXX XXXX XXXXXXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all eight accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Consumer complaint received 2022-01-04
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. (KY)

In regards to TRANSUNION 's response to my last complaint about removing my inquiries, they stated that they'd send a letter stating why inquiries last on my consumer report for 2 years, which is completely wrong if it was a result of identity theft. According to Federal Law, the Fair Credit Reporting Act clearly states : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. Appropriate proof of my identity is listed in the attachment of this complaint, which is a photo of my social security card. 


Remove the following inquiries immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION. 


Failure to do so will be willfully noncomplying to the Fair Credit Reporting Act.
Consumer complaint received 2020-05-21
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)

My XXXX XXXX XXXX XXXX XXXX XXXX student loan amount of which is {$8200.00} and {$1000.00} & {$22000.00} which equals the total of : {$12000.00} was consolidated into my XXXX XXXX dept of Education student loan balance on XX/XX/2009. 

The same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts. 
During that time it appears that mishandling of the student loan was improperly handled and reported as a separate loan. 

I believe the credit reporting agency, XXXX, and Experian and XXXX, mishandled the reporting of the consolidated loan, to a separate loan and line item. 
I also notice that the same amount of {$8200.00}, {$1000.00}, & {$2200.00}, the total then {$12000.00} show up on my credit report as a separate line item, when it was consolidated, meaning the same loan is posted more than once by the same lender, it shouldnt be listed as multiple accounts.
Consumer complaint received 2023-01-29
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. (NJ)

the credit bureaus Equifax, XXXX, XXXX are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX XXXX # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH # XXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED 5.I HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE XXXX 1.MY NAME IS XXXX XXXX XXXX NOT SR THIS NEEDS TO BE FIX 2XXXX XXXX  SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS XXXX BE DELETED OFF MY REPORT 3.XXXX  XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT XXXX  XXXX ME THIS IS FRAUD THIS NEEDS TO BE DELETED 2. XXXX  XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS 3. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX  XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX. XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XXXX XXXX NEEDS TO BE DELETED FACTUAL DATA XXXX XXXX NEEDS TO BE DELETED EQUIFAX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX  DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX  XX/XX/XXXX NEEDS TO BE DELETED
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I purchased an airline tickets with return using this card to travel from XXXX to XXXX and back with XXXX XXXX XXXX The flight included a transfer through XXXX in both direction. The Airline company later informed me that they have cancelled the XXXX to XXXX and XXXX to XXXX section of the itinerary. They gave me option to ask for full refund or refund only for the XXXX party of the itinerary. I went on the indicated web site and cancelled the full itinerary. Despite this I did not receive any refund. 
I contacted the credit card company and informed them that I am due a refund because essential leg of itinerary has been cancelled and I requested full refund. The credit card company gave me temporary refund and subsequently asked for the proof of cancellation and term and conditions of travel. I sent them the proof of cancellation. They again gave me temporary refund. While I was traveling they sent a letter to my address and again asking for the same information that I have already provided them with. 
Because airline company cancelled the flight, and I provided proof of cancellation, there should be nothing to dispute, I should get the full refund. However credit card company is refusing refund on the pretex that I did not respond to the second letter on a timely manner.