davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE 2 FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I did not authorize this on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my frustration and disappointment regarding the ongoing issues I have encountered while trying to delete my accounts with Credit Bureaus. Despite making numerous attempts to remove my late closed and charge off accounts, I have not been able to successfully do so, and I am growing increasingly concerned about the security of my personal information. 

I initially tried to delete my accounts by following the steps outlined in your website 's account management section. However, I encountered an error message that prevented me from completing the process. 

After the initial failed attempt, I made several more efforts on different occasions, thinking that the issue might have been temporary. Each time, I faced the same error, which made it impossible for me to proceed with the account 's removal. 

Frustrated by my repeated failures to remove my accounts, I reached out to your customer support team and explained the situation. Unfortunately, I have not received a satisfactory response or any assistance in resolving the issue. 

Due to the persistent inability to delete my accounts, I am growing increasingly concerned about the security of my personal information, including my data, email address, and other sensitive details associated with my account. I have the right to have my data removed in compliance with data protection regulations. 

I kindly request that you address this issue promptly and assist me in deleting my accounts without further delay. My trust in your company 's data management and customer service is rapidly diminishing, and I hope that resolving this matter will help restore some of that trust. 

Please provide clear instructions or direct assistance on how to successfully delete my account. Additionally, I request confirmation once my accounts has been removed from my credit report, along with a timeline for when this action will be completed. I am asking for your immediate assistance to remove the late closed and charge off accounts from my credit file : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$560.00}.
Consumer complaint received 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (CA)

I have sent in my XXXX payment for the amount of {$13000.00}, after which I called and verified that they had received the payment as I use two payment processors- one is called XXXX which transfer the money automatically into their account and the second one uses check to send which is called XXXX. I received my payment for the month of XXXX back on XXXX XXXX XXXX with an explanation that SLS does not accept credit card checks as payment. 
I called XXXX and verified that their check are not credit card checks because I pay them with a 3 % fee and they pay your any bill with their own account that is not linked to any credit card.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Not quite sure but somehow, my credit card account was changed from regular postal mail to paperless billing. Because I check my email rarely only when I expect email, I was not aware of the bill and was charged two months of late fees and interest. On XX/XX/XXXX, Citi finally sent me a postal notice saying that my account was past due and I quickly paid the balance of the charges once I received the letter on XX/XX/XXXX. I also figured out the issue and was able to stop electronic billing. However, because of that I had two months of late fees and finance charges. I was able to get the finance charges waived after speaking with the CSR, but could not get the late fee waived.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has committed fraudulent and misleading acts in relation to a secured credit card account I opened in XX/XX/XXXX, ending in XXXX. I applied for and opened a SECURED credit card, and deposited {$200.00} which set the limit for my credit. I intentionally chose to open this secured credit card because it gave me the power to add to my own line of credit at my own convenience. Capital One, WITHOUT MY CONSENT, upgraded this account to an unsecured credit card and refunded my deposit, effectively taking away my power to add to my own credit line. I did not want or consent to this upgrade, and was never given prior notification or the ability to opt out of this upgrade. I was also never clearly informed that the account I thought I was opening had a mandatory upgrade built into it. I never would have opened the original secured card if I had known this was the case. 

On top of this aforementioned problem, the secured credit card account that I opened, which now no longer exists because I dont have a secured credit card where I can add to my own line of credit at will, had an alleged late payment reporting in XX/XX/XXXX. This late payment is still reporting on the current unsecured credit card, as though the two different credit cards are the same product. Clearly they are not, because if it was the same product, I would be able to deposit more money into the account to raise my own credit limit. I have been repeatedly denied credit limit increases and am extremely unhappy with the current state of this account. 

The current Unsecured Credit card has had 0 late payments since the non-consensual upgrade, yet it is negatively reporting as was 30 days past due date and it is negatively affecting my credit score, as well as causing harm to my personal reputation.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.
Consumer complaint received 2024-11-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to delete the following accounts as soon as possible because they do not belong to me. THERE ARE ON XXXX, TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX
Consumer complaint received 2018-02-08
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. (CA)

I am complaining about inaccurate information reporting on Experian and XXXX.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the XXXX and experian reports updated within the last two weeks are completely incongruous with each other.XXXX  HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.EXPERIAN shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.XXXX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.XXXX shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credits, Incorporated (OR)

After checking my credit report on XX/XX/2022, I learned that there is are two supposed bills in collections, both apparently held by the following debt collector : Credits, Inc. 
XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX info@creditsinc.com The statement shows a bill owed to XXXX XXXX XXXX XXXX with a {$350.00} balance and a bill owed to one XXXX XXXX for {$98.00}. 
I emailed 'Credits, Inc ' at the above email and left my contact information. They replied back via text, stating that my balance is {$1500.00} - and to click their link to 'make the payment '. They would not say who the original creditor is for this supposed bill. I replied back several times to them asking for an explanation of what the bill is for and they will not answer me. When I view their website, there is only a page to put in a credit card. 
I have no intention of sending money ( especially a large amount ) blindly to someone. If I indeed owe a bill of any kind, I want to get it paid via monthly payments. However, I require a detailed accounting of who the money is going to first. 
This company 's refusal to respond to my repeated requests makes me suspicious as to the very real possibility that 'Credits, Inc ' is a scam.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a preferred gold member with bofa. This means I should get a 25 % boost on rewards. 
However my card ending in XXXX ( XXXX XXXX  customized cash rewards ) isnt giving the boost on my purchases Ive tried resolving this with bofa customer service but no one helps or adjusts the points
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved.. I open a complaint here and was told it was address and my credit should not be impacted. Well that was a lie as my credit got impacted for collection in the middle of me doing a housing transaction. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 They claim it was address but it's not. Please see attachment.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NY)

Between the years of XXXX I was being sent a lot of pre approved offers from Credit Karma for Credit cards , personal loans and car loans. At first I ignored it because I have other goals to focus on and other things Im building credit for, BUT Credit Karma kept sending the emails and enticed me to apply EVERYDAY. I would see different offers every time I logged in to check my credit scores great rates, after a few months of being told that I was pre approved I started to think about the dream car I can have and the personal loan I can have during the hard times in the pandemic, I got so many offers through credit karma I went ahead and applied knowing with the information from credit Karma, THIS IS THE LOAN FOR ME I finally applied and was denied. I was highly disappointed and deceived by credit karam emotionally. I would use the funding to support my family. Credit Karma told me I was approved but lied. I didn't get the credit card or loan, instead I have more inquiries on my account which is hurting my credit report. This has caused me stress and feelings of unworthiness as a working citizen. Im so insecure about the term pre approval because of the trap I fell for with credit Karma. I do believe I qualify for the settlement having pre approvals from Credit Karma since XX/XX/2018 That they tricked me into being denied.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (FL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : Receivables Performance Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2022-10-01
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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. (CA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2022-10-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CA)

The collection date was opened on XX/XX/XXXX, on a XXXX XXXX  lease signed in XX/XX/XXXX. The collection amount is {$8800.00} by Aldous and Associates PLLC and this debt collection is very unforgiving due to unforeseen circumstances. I was ready to move into the apartment but I did not get the chance to because of the COVID-19 impact on the US in XX/XX/XXXX. I tried calling the apartment and negotiating with them to break the lease since I would not be able to move into the apartment due to the nationwide lockdown and the cancellation of in-person school. The apartment was uncooperative and did not give me an option to pay a fee to break the lease. I did not even move in or obtain the keys to the apartment but they still charged me the price as if I lived there for a full year. As a student, I was put in a difficult position and did not know what to do with this lease that I was not even able to live in because of the unexpected pandemic. I hope that there would be lease forgiveness just like there was student loan forgiveness because the past two years were tough on everyone. I would never have broken lease agreements or not paid off my apartment lease if the coronavirus did not prevent me and many others from attending school and living in student housing.