davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (TX)

Please investigate the following information. XXXX XXXX XXXX # ... XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect. Correct or delete it. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. Correct or delete it. XXXX XXXX XXXX   # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account.The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX # ... XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Creditor address is incorrect. Correct pr delete it.
Consumer complaint received 2018-11-14
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. (CA)

It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX- I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data.
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.
Consumer complaint received 2018-11-14
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)

I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( transunion & XXXX ) for correction.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

The account balance was paid and there was a request to close the account. 

Instead of closing the account, there was some fee added then no statements were sent until the account was six months in the rear with late fees and interest. 

A closed account that had a XXXX  balance cost {$260.00} to close a second time. 

This is not right. Its a scam.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (CA)

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX  on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Consumer complaint received 2018-09-11
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. (FL)

Sir or Madam:To whom it may concernThe sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXThe items listed are clearly fraudulent; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b).III. A. Blocking Information in Credit Reports under Sections-605B and 623(a)(6)Under section 605B of the Fair Credit Reporting Act (FCRA), both the credit reporting agencies (CRAs) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA (furnishers) are responsible for blocking fraudulent information from appearing in victims’ credit reports, blocking fraudulent information from appearing in victims’ credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely,XXXX XXXX XXXX XXXX XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-11-13
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)

I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The credit bureaus are reporting the following item inaccurately. This account has never been late. Please remove the item below pending a thorough review. 

XXXX XXXX XXXX  XXXX XXXX never late
Consumer complaint received 2018-11-13
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. (CA)

We filed Chapter XXXX on XX/XX/XXXX. XXXX was included in ChXXXX and was paid in full through BK. They are reporting a balance due after the filing date and the discharge date of XX/XX/XXXX and 'late ' payments in XX/XX/XXXX. The 'balance due ' is the inflated interest they were trying to charge us prior to filing ChXXXX. 
XXXX is undermining our credit and enabling themselves report further into the future. 
Attached are screen shots from Experian.com.
Consumer complaint received 2018-11-13
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. (UT)

XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (OH)

XXXX an XXXX. Is a scam. I was a member of XXXX 's XXXX XXXX for 30 years they went bankrupt and were bought by XXXX XXXX I canceled my membership which was {$130.00} a year now five years later I get a letter stating I better pay them {$130.00} which was approximately the year membership. If I didn't pay they said it would affect my credit score. I explain to them I canceled my membership but they insisted it was going to affect my credit score. Aldous and associates out of Utah is trying to scam people. I was the 132 nd call about their tactics. Be ready and knowledgeable of your rights.
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have two credit cards with this Capital One. They have refused to update my credit balances with XXXX  XXXX and XXXX. One card hasnt been updated in over a year. I am trying to close on my home and will lose my earnest money I paid down if this is not corrected. Im trying to avoid resorting to a consumer attorney to handle the issue. I have callled then numerous of times with no avail. They never fix it. Both of my cards are showing maxed out to the limit and this is a serious issue when it comes to me closing on my home. I need serious and immediate help. 


The account numbers are Capital one platinum XXXX XXXX XXXX XXXX Capital one quicksilver XXXX XXXX XXXX XXXX As you can see one card was last updated XX/XX/2017 in the attachments
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AK)

Called multiple time attempting to cancel but company only allows you to speak with automotive messages. After inputting personal information regarding my account it stated I didnt have a member ship with them. The company does not allow you to speak with a person to clear issue up.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2018 I was charged {$49.00} to my American Express by a company called XXXX XXXX located in XXXX, PA. 

At the time I was 3,000 miles away in California and did not authorize this charge. 

I filed a dispute with American Express and the merchant provided a " keyed in '' receipt without providing any supporting documentation that the charge was authorized or that any services or products were granted. 

Again, I did not authorize the charge and American Express was aware that I was 3,000 miles away because I both told them and they have access to my account history which showed that I was traveling at the time. 

Despite this, they have chosen to uphold the charge simply because the merchant claims a unilaterally created receipt manufactured without my consent or knowledge somehow legitimizes the charge.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mom 's mortgage is now servicing by Select Portfolio Servicing Inc  SPS. 
After three months with them she realize that they were applying her monthly payment to interest only rather than to principle, escrow and interest. When she call to inquire of the situation the told her they didn't see what her problem was. She had to call on several occasion, speak to multiple people before it was resolve. After speaking with few friends about her experience it turns out two of them had face the same situation where one had to have it resolve in court.
Consumer complaint received 2018-10-19
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. (TX)

I am a victim of identity theft. The accounts XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Usaa will not give me a loan unless secured or will only offer me loans with extremely high interest rates. I have good credit with good payment history leading back almost 20 years. The rates they offer are usually double what other companys offer without explanation of why I cant recieve a fair rate. I have banked with USAA since 2002 when I joined the XXXX. I've purchased 2 homes and several cars none of which I have been able to secure a loan with usaa with a fair rate which forces me to go else where which is what I think there intentions are.
Consumer complaint received 2018-11-13
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)

TransUnion you are inviolation of FCRA 623 and FDCPA 806 { b } which statesthat a credyor must enter a notice of dispute if this is not entered the account can not report on the credit report BUT you still report it Knowing that its in dispute, .Also failure to report that the account is sold to who with no address or any information still listing as XXXX  , There is no last payment date No name of who account was sold Balance still showing no listing of in dispute REF : XXXX  CFPB there need not be another 60 day investigation you have all the document facts along with the CFPB showing that there is NO evidence that account is mine or ever made by myself. the two violations listed above in its self warrant the removal of the account immediately, the CFPB should enforce the violation from you to remove it
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have tried filing disputes concerning personal information listed on my XXXX, Experian and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, XXXX and Experian on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine.

My name is incorrect on all three and I have provided them the correct in
formation My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have tried filing disputes concerning personal information listed on my Equifax, XXXX and XXXX   credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to Equifax, XXXX and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue