davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
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: NAVY FEDERAL CREDIT UNION (GA)

I have contacted XXXX  and XXXX XXXX services several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX Bank is reporting a fraudalent auto loan in my name. Navy federal credit union is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, Original creditor : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 a 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.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

My credit report with Experian shows factors at the bottom of the report that are negatively affecting my credit score. They include a " serious delinquency '' and " short account history. '' However, I have never been late on any payment and do not have any delinquent accounts. Additionally, my oldest account is XXXX XXXX XXXX and they show that my oldest account is only XXXX XXXX XXXX. I have tried several times starting before XXXX of XXXX to resolve this with the company. Regarding the serious delinquency, there is no account to dispute online because I do not have any delinquent accounts. The dispute department when I call says to just ignore the summary at the bottom because my credit report is otherwise good. However, I got denied credit when my credit report was pulled through Experian because of a serious delinquency and the length of my account history. Their solution so far has been to tell me to ignore that part of the credit report, but it is affecting my ability to apply for a loan. It is very difficult to get ahold of anyone and when I do, they transfer me back and forth between departments instead of taking any action. My Experian credit score is currently XXXX points lower than the other two credit reporting agencies, so their data is affecting my credit score and they have not provided a solution to fix it. They will not let me speak to a manager and the last time I talked to someone they said that my credit report is good and they can't do anything about it.
Consumer complaint received 2021-09-09
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. (GA)

The delinquency listed on my Experian credit card is incorrect for XXXX credit. the delinquency is incorrect. The delinquency listed states that it was 150 days delinquent as of XX/XX/2020 and this is incorrect. Any balance owed on this account was paid in full and was not delinquent. I have reported this numerous times and have not been able to get this corrected. Because it is not reporting correctly, I am requesting that the delinquent pay status and pay history be permanently removed.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has not updated the late payments that I have been disputing on my credit report. Show me how you " verified '' this. 

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : XXXX
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX.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 a 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.
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete ; forms did not include a payment and delinquency history, lease agreement was not in its entirety, no verification of eviction process being filed was received and documented fees are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Consumer complaint received 2020-06-10
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. (NV)

reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted an credit application after I was sent an email saying that I was pre-approved for a credit card. So I completed the application and the credit decision came back a few days later saying that I was denied because my application is incomplete and needed verification. The credit decision letters are attached. The very next day next morning, I called into your customer service to complete the verification to complete my application. 

After having the call escalated the representative told me that they would have your department review this information to complete my verification. As soon as I hung up with capital one I then received another email after I got off of the phone with the representative stating that application has been denied again. This time a different date was on this letter. 

As of today XX/XX/2022 I have not heard from capital one in regards to this matter. My credit report has been negatively affected by the inquiry, causing my XXXX XXXX to decrease but also denied me for reasons that is untrue as I am a capital one customer. I have a checking account and I also have a secured card with capital one already, so there was no way that a verification process can not be completed. Capital one also admitted calling me from a blocked number after XXXX to complete this verification which Im sure most people do not answer block calls. Capital one states my denial is due to non verification when I called and verified my information and was still denied. I never received a denial letter stating why and when i called the multiple reps i have been transferred to tells me different responses.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

Ok XX/XX/XXXX I had someone scan me out of {$200.00} through cash app. When I found out I went to my personal bank and they got my money back to me. I had money coming through Cashapp afterwards with no problem. Recently on XX/XX/XXXX I had someone send me money through Cashapp and Cashapp took the money. They stated I owed them money which I'm not understand how would I owe them money. I went back and forth though support and they stated to call my bank. My bank stated why would they tell me to call them. Cashapp refuse to give me the money that was sent and states I still owe them {$110.00}
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have a joint mortgage with this institution with my ex-husband. The dwelling has been transferred to solely me since XXXX as it was decreed in the final divorce agreement. My ex husband filed bankruptcy, but I was in no way involved with his bankruptcy claim and am currently ( and  have been ) paying on the debt that he defaulted on so have not been able to refinance. Every time I contact my bank, for any reason, I have to be transferred to the bankruptcy department, which always takes an inept amount of time and I never filed bankruptcy. I have to explain it every time I call the bank. On XX/XX/XXXX, I spoke to a representative named XXXX who said I could go through the Assumptions department and get my ex-husband 's name removed from the loan, so I was transferred to XXXX XXXX in the assumptions department. She explained that his name could be removed and gave me a list of estimated fees that would be associated with it, that totaled nearly XXXX. I asked for a written estimate detailing all of these fees, to which she stated she could not provide it, she could send me an email with " what to expect '' in the loan process, but that was the only thing she could provide in writing to me. She stated that none of the parameters of the loan would change, the interest rate, date that payment is due, etc. would change, the only change would be that his name would be removed from the loan, and the fees would be an out of pocket expense for me. I think this is an extremely unfair business practice, as I am already paying the debt he defaulted on, have not missed a payment on the mortgage and have remained in good standing with the bank throughout the entire process. I don't think that a written estimate is an outlandish request, and think that it is ridiculous to request almost XXXX to remove a name from a loan when the dwelling is not listed in his name anymore and has not been since XXXX.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX On XX/XX/XXXX, I received my results from dispute 's I started on the telephone I started a new investigation to dispute the account on my credit report, to a XXXX balance, and would receive results of the investigation online in my email. I got my mail on XX/XX/XXXX and received my results from my investigation, which was supposed to be emailed to me, stating there is a balance due, in collection, and will be removed on XX/XX/XXXX, from XXXX  XXXX   XXXX  for {$1400.00} ; XXXX XXXX XXXX  XXXX XXXX for a charge off of {$1800.00} and will be removed on XX/XX/XXXX ; XXXX XXXX XXXX  for a charge off of {$1100.00} and will be removed XX/XX/XXXX and XXXX XXXX XXXX for a charge off of {$5300.00} and will be removed on XX/XX/XXXX.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Addition to previous complaint All Rushmore say they need 30 to 45 days to research a complaint also now being told that submission of a mortgage modification will not stall foreclosure when they have been saying all along it would. So now turning in a modification pkg while it takes them another 30-45 day to review that also they could still sell our house also will not provide a one on one loan processor customers cant talk to processors you just get whoever answers the phone.

I have no trust in this company I am afraid everyday what they might will or not do it is affecting my home immensely. 

My husband is a XXXX veteran I am fighting a medical issue which was reason for default in first place then covid hit I am scheduled for medically necessary XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am on unemployment and we have no where to go the least they can do is a trial modification period or a forebearance. 

They lack compassion, Customer care is horrible, they lie, threaten and bully you never get off of a call or receive something in the mail that gives you any hope. 

XXXX and XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ability Recovery Services, LLC (CA)

Ability recovery services, has repeatedly called myself, family, and my mother and father in law about a very old debt. they have threatened saying that i will be in severe legal trouble if i do not call them or pay back this debt. i do not even know how they got my in laws numbers. but they call and harass at all times of the day and night. it is getting stressful and harassing at this point. They call from many different numbers, so it doesnt matter how many times i block a number they just call from a new one. and then when i try to call back the number it is some random person who answers, it is like their cell phone or landline. so it is like ability recovery services is rerouting their calls through other peoples phone numbers. the most recent call was today from ( XXXX ) XXXX at XXXX XXXX. 
yesterday XX/XX/20 calls from XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX and this one calls the most ( XXXX ) XXXX i get a call from that number almost on a daily basis.
Consumer complaint received 2022-06-01
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 XXXX  is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and Experian shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. This incorrect information is being reported on all three credit bureaus ( XXXX, Experian and XXXX ). I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.
Consumer complaint received 2022-06-28
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. (FL)

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX  {$1000.00} - XXXX XXXX {$930.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX {$75.00}
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc (IL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( XXXX Bank, Secured Credit Card XXXX XXXX Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

I called Comenity/XXXX.com customer service and requested that my account be closed as I am disappointed to learn that Comenity practices predatory lending practices. I had a balance of {$230.00} on my XXXX statement and was charged {$120.00} in " residual interest. '' I have never heard of anything so ridiculous. I made a XXXX payment to bring my account to a {$0.00} balance and was charged {$5.00} in " residual interest '' on my XXXX statement. It's not a huge amount of money but it doesn't make any sense. The math does not add up. XXXX and XXXX should be ashamed. I bet there are thousands of people being taken advantage of in this manner and have no way of fighting back. Please help the consumers.
Consumer complaint received 2020-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.