davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and supported by documentation from an advocacy group assisting me due to XXXX XXXX-related debt XXXX, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ), I am disputing the reporting of late payments on my credit profile. I am requesting that you block the reporting of these late payments from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of XXXX XXXX and debt XXXX, and it is my right for these inaccurate and harmful entries to be blocked or suppressed. 

This request applies to all listed accounts associated with TransUnion that reflect late payment entries resulting from my circumstances. XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$180.00}
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (IL)

I have been trying to correct my SSN with Equifax since XX/XX/. I have submitted multiple disputes and my SSN has never been updated.

Deceptive business practices. The customer service representatives will tell you that they have received the information and that it will be processed. The result of every dispute is that my SSN is correctly reported on my profile, with no attempt to change it even with the supporting documents provided. 

Since my last complaint, I submitted a new dispute with Equifax and it has again resulted in no change to my SSN.
Consumer complaint received 2015-11-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation (TX)

I had a decrease in my hours at my job, and this the reason why I have fallen behind on my loans. I discuss it with the loan companies stating that I would not be able to make the original payment, could they accept half a payment and they told me no, and I told them that was all I could do at the moment.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2023-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a XXXX branded credit card thru Capital One. My complaint is based on Capital One 's deceptive billing and late fee processes. In XX/XX/2023, I had a balance of {$2000.00}, I made a payment for {$200.00} or 10 % of the total balance. After the payment was made, I was informed that my payment was late? I contacted the Capital One to address the concern. They stated that I was reported late based on still owng {$55.00} and an added {$29.00} late fee? I was surprised to hear that the payment went up. I made the payment of {$55.00} totaling {$250.00} for the month. My payment was settled. At that time, I asked the representative, that if I make the same payment ( {$250.00} ) for next month will I be ok, she confirmed. Instead, I made an XXXX payment for {$270.00} to be safe. After that payment I was emailed and texted again that my XXXX payment was late? I contacted the customer service line. This time they increased my late fee to {$40.00}? They stated that because of the XXXX late fee ( although waived ) the payment increased to {$300.00} ( 20 % increase ) for the month? I asked how can this be? The costumer rep stated that although I made the payment to cover the XXXX payment and the fee was waive the XXXX payment does not adjust causing the higher payment and new late fee? I asked how is that legal when the account was made current? They explained " their systems '' do not work that way? Due to this process, consumer misinformation, increasing late fees, and added time and cost, I feel it appropriate for a higher authority look into this company 's billing practices. In today 's economic times of rising rates and payments, Corporations need to do a better job of informing customers of their internal changes and policies that can impact a consumer 's credit profile and ability to have financial options. Through calls with customer service reps and supervisors it appears this company is more focused on charging high fees thru deceptive and predatory practices ( fee charged on late fees ). Thank you.
Consumer complaint received 2023-04-23
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. (GA)

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE OF DISPUTES I've tried numerous times to remedy this with TRANSUNION. TRANSUNION has done nothing except delay. They had earlier said that the accounts had been verified. I am once again requesting that TRANSUNION give me with documentation indicating that I am LEGALLY OBLIGATED to pay this supposed debt. TRANSUNION has received identity information on several occasions. Please take in mind that this is causing financial difficulty. Failure to reply in an appropriate and lawful manner will result in further legal action. Failure to react within 14 calendar days will be seen as your acceptance of the debt 's illegitimacy. Please confirm and give evidence that I am " LEGALLY OBLIGATED '' to meet these apparent commitments. " HAVE BEEN VERIFIED '' is a basic response. Respectfully delete the following immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023 I added a new bank account to make payments from, and submitted a full balance payment. The payment was returned and I was charged a {$30.00} fee. I called my financial institution XXXX XXXX XXXX to see why the payment was returned and they advised me that no payment has been put through their system. Immediately I called Rooms to Go Synchrony bank credit card to see why the payment had been returned and the {$30.00} fee was charged. The customer service told me that payment was returned because " account closed ''. I told her my account was not closed cause I had just spoken with my bank XXXX XXXX XXXX and everything was in order on their end. I asked the customer service if I could verify the account number and routing number to see if maybe that was the issue. She said just to go online and do the payment again and that returned payment fees could not be waived. I asked to speak with a supervisor and she said the supervisor was going to tell me the same thing and she put the phone on hold until I decided to hang up after 55 minutes waiting and nobody answering.
Consumer complaint received 2023-04-23
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. (GA)

Not sure how this work. I believe someone has possibly stolen my identity, or the credit bureaus has reported major errors on my credit report. Not sure in 2023 how that is possible. I recently pulled my credit report. I found numerous errors. I am a living human. I have rights under 15 USC 1681 Transunion, XXXX, XXXX is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed in this report be removed. According to 15 USC 1681 I have rights to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. These collection companies I believe they not authorized to do business in my state of Georgia. I believe these accounts should be removed XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I was under a bankruptcy stay on XX/XX/2019 yet a XXXX XXXX XXXX Account ( starting with XXXX ) is showing a late payment during this stay. This is illegal and a clear violation. Account on Experian Credit Report needs to be fixed to show payment status current or entire account removed.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Invoice # XXXX from XXXX XXXX XXXX, Fl XXXX Date of service XX/XX/XXXX All XXXX bureaus are reporting this account as open. 
This account was paid off XX/XX/XXXX by credit card ending XXXX The address this statement was sent to was XXXX XXXX XXXX, Fl XXXX I have since moved, my new address is XXXX XXXX XXXX, FL XXXX Please help me with this so my correct information will be posted to my credit report. Each bureau states this account is being disputed. But none of them are showing the account as being paid. 
Thank You XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Absolute Resolutions Corp. (CA)

I am sending a message to bring to your attention an issue of harassment that I have been experiencing from a company. I have been subjected to test messages and emails of harassment, such as verbal or physical abuse, unwanted advances, or discrimination, by Absolute Resolution Corp., who have been harassing me.

This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. 

I am requesting that your company take immediate action to investigate and address this issue. I would appreciate it if you could provide me with a clear timeline for when I can expect to see the results of your investigation and what measures will be taken to ensure that this type of behavior does not happen again in the future. 

I hope that this matter can be resolved quickly and efficiently and that appropriate actions will be taken to ensure that I will never have to experience this again. I look forward to hearing from you soon. 

I would like to remind you that harassment is a serious matter, and its important to take it seriously. I strongly encourage you to take immediate action to address this issue, as it could have a severe impact on my mental and physical well-being.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2023, I disputed a charge from my checking account after determining that an individual made a fraudulent purchase from an online merchant using stolen login credentials. On XX/XX/XXXX, my bank notified me that they determined the charges were not fraudulent. I had previously cancelled my card as a result of this transaction and taken action with the merchant.
Consumer complaint received 2023-06-14
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2023-06-14
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. (TX)

CFPB collection dispute complaint. 

On XXXX XXXX XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per XXXX XXXX and Experian. Upon further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX 



I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Consumer complaint received 2023-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NV)

I bought this house in XX/XX/2021. I was making timely payments of {$1500.00}, even though the monthly payments are supposed to be {$1400.00}. However, a few months after I bought the house, CrossCountry Mortgage raised my mortgage to {$1500.00} and some change. One month, I paid {$1500.00} because I know I paid way more than {$1500.00} on my previous payment ; and they claimed that I was short of the {$4.00} and that was the reason why they sent it to prinicpal. CrossCountry Mortgage directed that payment to the principal, and left that month without a payment. Other major issues with the house itself ( spent total of almost {$4000.00} ) that same year ( XXXX  ) made it a challenge to keep up with the following months mortgage. I have been in contact with Mortgage company to update them on any issues and trying to make payments. I acknowledge that I am one month behind on my mortgage. However, the notices I am receiving in the mail state that I am technically 2 months late, if not more. I feel that CrossCountry Mortgage breached the contract by raising my mortgage payment while failing to notify me of the reason for raising it. I was also under the impression that the mortgage rate would not change throughout the years. Raising my payment without a reason to raise, attributed to a domino effect that placed me in a situation to be behind.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist our relationship ends here. Ive been a loyal member since you were XXXX be in 2000 and before you transitioned to SunTrust, and now to Truist. I am so dissatisfied and frustrated with the customer service that I have received, especially when it comes to any kind of dispute. I need a company that has my back when something goes wrong and you definitely do not have that. I had a situation with XXXX paint and I opened a dispute. You sent me documentation and as Im filling out the documentation, the same day you send me a message saying that you cant dispute it???? What was the freaking point of opening the dispute for me in the first place??? Then immediately sending me the documentation saying I cant dispute it.. Im done here and I will be leaving reviews in various places about my experience with you as well as contacting the banking commissioner.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

This complaint submission is in regards to a false credit report by SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/2023, and XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by SOUTHWEST CREDIT SYSTEMS has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.