davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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. (CA)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2019-05-29
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. (CA)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this XXXX XXXX , XXXX XXXX, US DEP ED XXXX,
Consumer complaint received 2019-05-29
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. (AZ)

Hello I am very young and I never had no credit I finally applied for a secure card and found out I had negative item on my credit file. I tried to dispute the information with Equifax several time and no written verify information never was mail to my address so how can you even say this is my Debt. I even sent Equifax my Police report when I got XXXX in XXXX a couple years ago.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

This correspondence is an addendum to the previous complaint that I filed against Wells Fargo Home Mortgage. I received an inaccurate response from Wells Fargo in reference to the payoff quote request that was sent via email to their attorney AKA XXXX XXXX XXXX, # XXXX from XXXX XXXX. Attorney XXXX XXXX XXXX has fabricated his response once again, denying that he received the correspondence, which exhibits his lack of integrity, and is indicative of him being extremely corrupt. I have attached the form below that was directly sent to XXXX XXXX XXXX, explicitly requesting a payoff quote from Wells Fargo in order for XXXX XXXX to completely assume the mortgage loan.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Issues re : Comenity J Crew Credit Card -does not allow for recurring auto-pay -has a website that is not user friendly so that it is difficult to see whether a payment has gone through -charges exorbitant late fees -continues to send letters and information to the account holder even when the account has been closed. 

It took me a while to figure out that this company is the only credit card company that does not allow for recurring auto-payments. This is just another way for a large company to squeeze extra money out of unknowing consumers. I am very responsible with my cards and make sure every payment goes in on time. Somehow, despite going into my online account every month to submit manual payments, though, some months did not seem to go through and then I'd be hit with the late fee and a financing charge. There are many additional complaints about these kinds of issues that corroborate this report. I closed the account on XX/XX/XXXX of 2019 because of their unethical business practices around payment submission and late fees, and I just today received a new notice that the account now will assess even higher late fees. My account is closed and I want no further contact from this corrupt company.
Consumer complaint received 2019-05-29
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)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-03-11
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. (AZ)

The following delinquent account listed on my Experian, XXXX   and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX for {$360.00}. The account is fraudulent and dont belong to me.
Consumer complaint received 2019-05-29
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I do not consent to e-OSCAR and want a human to read this complaint. I have tried multiple occasions to get my compensation in reference to the XXXX removal from my consumer report by TRANSUNION. TRANSUNION removed this account because of the dispute I made due to many federal consumer rights violations. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but TRANSUNION has not yet compensated me for federal consumer rights violations and damages/emotional stressed/finical hardship caused. I will have proof of my claims attached and I will have my Pre-Arbitration attached. Also, an invoice will be attached below with the original report marked up showing the violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX managers did not properly file the termination or non-renewal of lease termination notice into their system. 

The notice was given by one of the tenants on XX/XX/XXXX in the main office, more than 60 days of notice that was required by the lease. The given notice was received by a manager who no longer works at cXXXX XXXX XXXX. 

The collection is illegitimate because XXXX XXXX XXXX did not properly manage our notification of termination & non-renewal of lease. 

http : //www.consumer.ga.gov/uploads/pdf/GA_Landlord_Tenant_Handbook_2017.pdf The managers did not admit fault or take responsibility for improper management & is trying to collect a unfair debt against the tenants in the amount of {$2300.00} for 49 days.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NV)

I received the email from Chase XXXX, 2018 to offer me to upgrade the credit card with 50000 point incentive with increase of annual fee from {$85.00} to {$95.00}. The email only disclosed of all of good benefit of new card like 6X point instead of 5X ... etc., didn't disclose there is change of benefits. One of important benefit of {$3000.00} elite spending credit is removed with new credit card. 

That was a misleading email adv for me to upgrade the credit card, the email didn't disclose and specific indicates that {$3000.00} spending elite credit will be removed, otherwise, i will never upgrade my card by paying more annual fee with less benefit. 

I called so many times and talk to the marketing and customer service at the Chase, instead resolve the problem, they offer me free 2500 points, which i don't need.
Consumer complaint received 2019-05-30
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. (TX)

XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a collection for {$1900.00} partial account numbers XXXX. ( Please see page 17 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. I have contacted the three bureaus to correct this error, but have not had any success. Please remove this line item from my credit report.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MT)

I have been trying to obtain my Equifax credit report from the company itself so I can dispute some items. When calling them I am not able to verify my identity through the questions they ask. I faxed in documents what they needed to verify my identity. I still have not received any communication from them regarding this. I did however receive an email saying that they have completed the investigation of a dispute. In said email was a link to view the results. When attempting to view the results I get a screen that says they need me to call to verify my identity.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX XX/XX/2020 I made a telephone payment of {$100.00} to my capital one visa using my XXXX  XXXX XXXX checking. This is something I used to do every month. Capital one withdrew {$700.00} instead of the intended {$100.00}. 
That was the total amount owed to the capital one visa that I owned at the time. When I discovered this I reached out to CapitalOne and they told me that in order to recover my money I would have to talk to XXXX  XXXX XXXX and they had nothing to do with the overcharge. After this incident CapitalOne sent me a letter stating that they suspected I was a victim of identity theft and that would explain such overpayment. CapitalOne replaced my credit card thee times and every time I get the new card I have to spend hours talking to them, theres always something wrong different credit line for example. I finally decided to close my account with CapitalOne when I checked my fico score and I found out it dropped about 40 points because they reported me late with my monthly payment. The reason I was late was the dispute about the amount paid back on XXXX XX/XX/2020. CapitalOne not can not protect my private information but they also charged me late fees and reported me to the credit bureaus unfairly causing me and my family lots of problems. We all understand the situation were living nowadays with the covid-19 pandemic. Someone please help me because I feel helpless specially when I try to contact CapitalOne and it seems that no one there can give a satisfactory answer.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX20, AND XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While attempting to get a free credit report from TransUnion I was asked for my credit card number. I thought that were using the number to check my credit but instead they deceptively signed me up for a subscription. I just noticed that I'd been charged. XXXX for the month of XXXX, XXXX and XXXX of 2019. I called them and explained that there online experience was deceptive and explained what I was trying to do. I also told them they I hadn't signed into the account after getting my free credit report, therefore, did not use their service. They refused to refund the charges but did agree to cancel my account.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (TX)

In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( Experian, XXXX, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for Experian, XXXX, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, Experian, and XXXX still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.
Consumer complaint received 2019-05-30
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 am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (PA)

CAVALRY PORTFOLIO SERVICE # XXXX Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XXXX 2019 ''. 

Above named company can not report two different reports and inaccurate remarks to credit bureaus.