davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Payment history edited by TransUnion TransUnion edited my payment history for a card that I no longer use to reflect two late payments for the months of XX/XX/XXXX and XX/XX/XXXX. I spoke with the company/creditor behind the card who both said there is no late payments. The card history on credit karma also reflects no balance on this card for the months TransUnion claims failure of payment. 

Ive disputed this issue twice already with TransUnion, which resulted in them removing the false late payments just to add them back a few days later. Im now on my third dispute and Im running out of ideas here. This is absolutely destroying my credit while my car is on its last legs. 

It seems like TransUnion couldnt care less about this. Ive spent hours on the phone bouncing from secure chats to automated menu to people who only offer to the advice of opening a dispute. 

I dont understand how this keeps happening. Any advice on what to do next is greatly appreciated. Thanks Card : XXXX XXXX credit card Bank : XXXXXXXX XXXX Credit Bureau : TransUnion
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized .XXXX the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just checked and reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2021-01-28
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. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children with XXXX on the way.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX XXXX reporting XXXX late payments on my credit file I also file a complaint with the CFPB. REMOVE ASAP AND DELETE THIS. REMOVE FROM XXXX XXXX.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX of XXXX I wired {$15000.00} to TD Bank Account # XXXX, Routing # XXXX, to XXXX XXXX with 2 prior XXXX transactions on XX/XX/XXXX of {$1000.00} and {$2000.00} dollars for deposits on the purchase of the XXXX XXXX truck. The {$15000.00} wire transfer was the final purchase price of {$21000.00} for the purchase of a XXXX XXXX XXXX XXXX # XXXX. The company involved in the fraudulent scam is XXXX XXXX out of XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX. 

Unfortunately the entire sale was a fraud/scam. After reporting it to our XXXX XXXX XXXX  on XX/XX/XXXX a representative of XXXX XXXX XXXX  contacted TD Bank to inform the institution of the scam and request a reverse wire transaction. Our bank representative was told by TD Bank representative that TD Bank could not help reverse the wire transfer and was unable to assist XXXX XXXX resolve the matter.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (HI)

Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX/XXXX/2016 I sent Midland Bank Funding which appears on my credit report A Disputed Verification Letter WHICH STATES I 'M Deragotolry I owe {$550.00} am in collections in reference to a XXXX XXXX account. As I 'm checking around my previous credit report I came across on XXXX dashboard that XXXX account was removed from my account credit report as of XXXX credit report will no longer list this acct.The Acct. number stated XXXX is now under Midland funding .I thought the account was already removed from the XXXX credit bureau XXXX as stated on my credit report of XXXX correspondence I received on XXXX/XXXX/2016 was a letter acknowledging my dispute but nothing else no validation of contract or signature or proof.I sent out a XXXX Dispute Letter to Midland Fund after 31 Days and they sent me on XXXX/XXXX/2016 almost the same letter and a copy of Last Bill dated XXXX the Credit Report Midland Fund is re-aging this XXXXmidland fund as Date opened XXXX XXXX n't this a violation? I THINK SO!!
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I have been attempting to obtain a loan modification for years. Recently, there was a sale put on my home which I had the sheriff push out two weeks twice as they will only push out the date for  two  weeks. However, Nationstar will not budge needing 37 days before the sale to review my request. I had submitted a complete application several times now and it is not getting reviewed.  <P/> . We purchased this property almost 38 years ago in  XXXX  of  XXXX . I always worked hard and was able to pay our mortgage and obligations on time. We originated this loan in  XXXX  of  XXXX  increasing our debt so we could make necessary repairs to the home and some upgrades. We fell behind in  XXXX  of  XXXX  after we had depleted our savings for months for legal and attorney fees for our son. Because of his legal issues, we have full custody of our granddaughter. Also, his wife and  XXXX  children had to move in with us having nowhere to go. Our monthly expenses tripled not only food but all utilities.   From all the stress over the past 4 years, I have had ongoing medical issues with  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  &  XXXX   XXXX . I see doctors on a regular basis. All the copayments and monthly prescriptions have added to my increase in expenses as well.   Our property value was estimated at {$230000.00} and at this point with the arrears owed from  XX/XX/XXXX  , we owe close to {$440000.00} but please understand, we are now a family of  XXXX  living in this home and have all been through  XXXX  and back. After being here almost 38 years, to move would be devastating. We wish nothing more than to keep this home we love and need so much.
Consumer complaint received 2015-12-31
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Port Folio, representing XXXX, is trying to collect a debt that is more than 4 years old. It was acquired XXXX, I now live in XXXX. According to the debt collection laws, XXXX states say that the debtors can no longer pursue you after 4 years. They keep calling me on my private cell phone number I have no idea how they got it. I lost my business XX/XX/XXXX due to the economy collapse and could no longer pay my credit card. The last payment was sent to them XX/XX/XXXX.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery is attempting to collect a debt I supposedly owe from 2006. They have repeatedly called me, even when I asked not to. They tell me they do n't have to stop, even when I told them the Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from me. I told them to only contact me by letter, that further phone calls would be considered harassment. The first caller would never admit that they would stop. He also never gave a definite yes on a recorded line that they would cease phone communication. They dance around the legality and will hang up. These Portfolio Recovery people are XXXX. Preying on almost a XXXX year old debt that does n't affect a credit. I 've googled them and seen that they will not stop harassing people, even after letters. So I 'm filling all the things that I can, so this stops.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kelsting Group, Inc. (CA)

I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim.
Consumer complaint received 2015-07-01
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (OH)

Nation Credit Adjustors has been constantly calling my place of employment for some time now about XXXX different debts that I have asked them not to contact my place of employment about. They are not harassing the people at my place of business and embarrassing me by telling my co-workers that i have this outstanding debt that i refuse to pay and are asking to be transfered to different departments. I 've also received a very disrespectful and inapproprate call from one of their reps when i called in about this rep in the past I was informed that they should not be calling me about these claims due to me speaking with a lawyer and all calls were to stop. They are still calling my job and being very rude. i keep asking them to stop and have had no luck. I am looking to file a some kind of suit against them in the very near future. I do know that I am responsible for the debt and cam nt pay at this time I 've explained this many times but they will not stop calling. The rep I spoke to today was XXXX who can be reached @ XXXX ext XXXX. He was very sarcastic in saying they have been calling for years and this year they 've called 9 times I told him i do not have the money to pay at this time and he said I guess we 'll keep calling your job until you pay us or we 'll be taking you to court.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (NY)

I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. 

Florida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. 

Due to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services.
Consumer complaint received 2021-10-08
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. (AR)

On XX/XX/2021 around XXXX I made several calls to companies listed on my hard inquiry list for Transunion and they were unable to verify the inquiries. I then called Transunion and tried to explain to them the situation and that I was trying to buy a home soon and these " unknown inquiries from the last several months needed cleaned off. The woman on the phone was unwilling to help and said that they were " documents and would remain on my report ''. I know that this is untrue and I need help solving this problem. I have disputed with Transunion several years back and never had this issue. The inquiries listed on my report which are inaccurate/unauthorized are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I have made attempts to resolve this, but was unable to with original inquiry parties and then when calling Transunion, customer service was unwilling to help remove these unauthorized inquires. Any assistance in this matter would be fantastic.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Dear Sir/Madam, I am follow up on the ongoing problems caused by poor customer service of Scottrade Bank and their affiliates. 

In order to warn current and future customers of the poor customer service and illicit actions of Scottrade Bank, I have requested the CFPB public this description on consumerfinance.gov so that others can learn from my experience. 

Preliminarily, after being a victim of the data breach disclosed by Scottrade Bank XXXX I was consequently the victim of identity theft that caused a hacker to gain access to my Scottrade Bank account. The hacker then used the leaked information to conduct fraudulent transfers. 

Upon notifying Scottrade Bank of the fraudulent transfers I heard silence. Indeed, to this day Scottrade Bank will not provide me will all of the evidence they are required to disclose under Regulation E. 

I followed up with Scottrade Bank, citing the Regulation E clause, and Scottrade Bank responded by saying that I was " harassing [ Scottrade Bank XXXX '' and has refused to respond to my legitimate requests. 

I am writing this as fair warning to all customers of Scottrade Bank that in the event of a dispute it is likely that XXXX Bank will refuse to respond to your concerns. Indeed, you can review other nefarious actions of Scottrade XXXX. 

I am open to receiving a full response from Scottrade Bank that addresses the concerns and have repeatedly opened channels of communication with them, however, Scottrade Bank continues to refuse to respond to my questions.