davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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. (CO)

Here are the two inquires that I don't recognize and have nothing to do with them 1 ) New tradeline by XXXX, business type N/A to Experian on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2 ) New inquiry by XXXX to Experian XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - nonspecific I got the information from my XXXX XXXX web page account
Consumer complaint received 2018-05-02
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)

Hi. I have disputed an authorized user account with Equifax credit reporting agency asking them to remove that account from my credit. And Equifax says that they can not remove an authorized user account from my credit file. The authorized account that shows in my credit report does not belong to me. Besides that there is a law in FCRA that says the authorized user accounts do not have to be reported in to consumers credit files. And Equifax do not cares about any federal laws. They just say " we have our own policy about our own company and we will do everything the way we think is good to do ''. 
They just refuse to remove an authorized user account from my credit report. It has been months I am asking Equifax to remove the account from my credit file. I have disputed that account for 3 times. I am sick and tired of disputing it. No changes so far. The authorized user account still reports in my credit file and it DOES NOT BELONG TO ME. 
Equifax is violating the FCRA law. 
XXXX  and XXXX XXXX have verified and removed that account from my credit file. 
But Equifax ... 
Please HELP!
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Within a short span of time ( e.g., between 3 to 4 months ), I have had the following accounts either closed ( or credit lines significantly lowered ) by the creditor : CARECREDIT, XXXX, XXXX, and JCPenney, just to name a few, which has subsequently caused my credit score to  plummet! 

It has now become apparent that I need to address the root cause the problem of my falling FICO score, which is XXXX XXXX and the almost ceremonial approach the bank has used in the closing of my credit accounts ; all of which were in good standing! Everyone knows that the closing of a credit account is NOT recommend by the consumer, let alone the creditor ( especially if the accounts are in good standing ), as this can have a devastating effect on a consumers credit score and FICO. 

Nevertheless, XXXX XXXX appears to have done this, with no consideration being made with regards to the devastating effects this could have on the consumers financial overall financial health, which can cause the consumer to lose out on obtaining favorable rates on home financing, auto loans, signature loans, and a host of other important financial products. Further, requiring that the consumer reapply for credit under these circumstances seems grossly unfair and does not appear to reflect best business practices. 

Incidentally, after reading all the complaints filed on Consumer Reports, FTC, as well as on the XXXX XXXX XXXX online forums ( just to name a few ), it is apparent that HUNDREDS ( if not THOUSANDS ) of consumers are either currently experiencing or have in the past experienced the same exact problem with XXXX XXXX that I am addressing in this complaint. This problem is so disturbing, it suggests that it may be necessary that federal regulators step in, to provide better control over this large financial entity ( that seems to have a monopoly over several consumer retail credit cards ) in order to better protect consumers from financial ruin by artificially causing their credit scores to plummet as a result of these successive credit account closings ( and I repeat, on accounts that are in good standing )!
Consumer complaint received 2018-05-02
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. (NY)

Transunion " investigated '' an entry on my report from XXXX XXXX   XXXX  and verified the information as accurate. This would be fine, only problem is I don't have an account as listed by them so it would be one of two things. A- Transunion did not complete the investigation properly B- They're complicit C- XXXX XXXX supplied them with fraudulent information. I demand a full investigation. I have contacted my local rep and he'll be watching as your agency has dropped the ball to date
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (KY)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ballybunion Enterprises, Inc (MO)

Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I was informed my student loans from XXXX would be transferred over to navient. All my information would be updated from XXXX to navient from what I was told. When I received a notice that my loan with navient was due I called and said this isn't right the due date, the auto deposit etc. They told me they tried reaching out to me which I never got anything and was told they would fix it. I called in XX/XX/XXXX to fix it and was told my due date would be XX/XX/XXXX that's the latest I can make a payment ( which I don't agree that XX/XX/XXXX the only date ). I got disconnected and called again. I was told by a supervisor my payments would be on XX/XX/XXXX instead. I checked my account end of XX/XX/XXXX and noticed they didnt update it. I called today XX/XX/XXXX and all the way to the supervisor said there was no record of anyone noting the change to XX/XX/XXXX not XX/XX/XXXX. I asked to pull the phone conversation and they said they can't. They have recorded lines and don't appreciate how they treat the borrowers. They need to stick to what they say if they tell an individual anything towards their account.
Consumer complaint received 2018-05-03
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: ZIONS BANCORPORATION (ID)

I had changed my card number at Zions Bank for a security issue and somehow companies I no longer do business with have obtained the new card number ending in XXXX without my authorization. 

XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX NY {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CA {$18.00} In addition, the card number was obtained by XXXX XXXX XXXX XXXX without my authorization. I wish to continue to receive this subscription. 

Zions Bank, XXXX XXXX XXXX, UT claims they did not give the number out.
Consumer complaint received 2024-09-04
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. (SC)

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 USC 1681. 
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, has violated my rights. 


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 2018-05-03
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)

Equifax continually updates my credit report and each time I have contacted them for resolution. It appears they do not care, and in fact continually report in accurate information on my credit report. Firstly, they are reporting the Auto loan with XXXX XXXX as closed yet this account is opened. Secondly the amount owed is {$17000.00} and they put that the amount owed is XXXX XXXX XXXX XXXX dollars. Which is totally incorrect. Knowingly reporting false information, and abusing the FCRA rules. They also marked on this auto loan that it is repossessed and that its been late. Its never been repossessed. Its actuallt current, and I want these remarks removed and the account to be correct. 

Next on the list is that XXXX XXXX XXXX XXXX is reporting that I owe them credit cards, and also show me as an authorized user. I had identity theft and these charge offs were opened without my permission. I did notify XXXX XXXX. Secondly I have asked to be removed as authorized user countless times. They continually lie. 

Also, XXXX XXXX is reporting Charge offs. These accounts were also opened online, at an address I have never lived at. They were then charged off. I never once opened these credit cards, and currently have an investigation going with XXXX. 

Also I have never had an account with XXXX. I reported this to them many times but nothing has been done. This is a fraudulent account opened online, that I never received nor authorized. 

Lastly XXXX XXXX also show credit cards charged off, and a line of credit. They admitted to me they have wiped these debts off their taxes and books. They sold these off to third parties, and that they have no contract. Therefore I do not owe these debts. They were cancelled debts, not mine and I want my credit file updated promptly. Also I should not have any inquiries as I have not attempted to apply to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX XXXX XXXX. Nor XXXX, Nor XXXX XXXX or XXXX XXXX XXXX. Nor XXXX XXXX, Nor XXXX. Please remove these.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2016, American Express reported on my credit file a delinquent charge. During this time, I was experiencing a serious illness which led to hospitalization and XXXX. As a result, I fell on hardship, as well as charges being made on my account that the creditor has not been able to verify. Can you please assist me in this matter of helping to restore my credit.
Consumer complaint received 2018-05-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To Account Manager : XXXX XXXX. It has just come into our attention that attorney XXXX XXXX XXXX is Unauthorized to Practice Law ( UPL ) in Maryland and that XXXX XXXX XXXX has a Forfeited Existence since 2015. Also, XXXX without the XXXX does not exist in the Maryland Business Express Database.
Consumer complaint received 2018-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion does not have adequate checks and balances in their processes to verify the accuracy of the debt collection information reported by overzealous and unscrupulous creditors. The collection agency ( XXXX XXXX XXXX , XXXX ) does not have the professional staff to handle legitimate disputes but reports the fraudulent debt balance as a collection to TransUnion. As a credit reporting agency, TransUnion should do far more than simply recording the debt collection information and listing the derogatory comment on the credit report without making any meaningful attempt at resolving the dispute with the debt collector by challenging and verifying the validity of the information provided by the debt collector.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (NY)

I get repeated calls from XXXX. Multiple calls per day for the last month. 

They leave a message asking me to call back XXXX. 

The voicemail is vague, saying they are from XXXX XXXX XXXX or United Collection Bureau with an attempt to claim a debt. 

It's very suspicious. I talked to a rep once and asked them to mail me the information. They just kept repeating generic info and were trying to get personal info from me that I was not willing to provide. 

I asked them to mail me and stop calling as I do not believe this to be a legit debt collector. 

I would like their calls blocked as it is harassing. Please also look to add this number to your radar of suspicious/fraudulent/criminal callers. 

Thanks
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I paid a settlement amount and received a satisfaction letter, but have not received satisfaction of judgment. They have been promising to send it since XX/XX/2018. I have turned in notice that I am moving to my apartment complex on their word that they will send it. Now, I run the risk of being homeless.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

The lender stole my principle and charge ridiculous " lend paid expenses '' without any notice during both XXXX and Mr.cooper transferred loan service. I have tried to contact for 3 weeks. they stated they investigate each other for long time. I have required Mr.cooper to correct the mortgage statement ( XX/XX/XXXX ). 
I did Loan modification on XX/XX/XXXX. 
new principal balance : {$280000.00} include ( Interest Bearing principal balance : {$220000.00} + Deferred Principal Balance : {$600000.00} ). Pl. see attachment ( loan modification ) I had paid the principal {$46000.00} to XXXX from XXXX. 
Pl. see attachment ( XXXX XXXX page1-9 ). 
Actually all principal were deducted to Non-interest bearing {$60000.00} ( deferred principal turned to advanced principal ). 
XX/XX/XXXX reversal to {$14000.00} to Bearing Principal balance ( {$240000.00} ) Pl. see the attachment /XXXX  page 9, bottom line. 
We have paid the principal {$230000.00} from XX/XX/XXXX to XX/XX/XXXX. 
Pl. see the attachment /mr.cooper. 
Until XX/XX/XXXX we have {$9900.00} balance. add {$60000.00} ( see attachment New file ) New principal balance : {$280000.00} - {$46000.00} ( XXXX XXXX ) -  {$230000.00} ( Mr. Cooper ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$9900.00} Due they don't response my email and answer my call. I require pay off letter by online. 
I got pay off letter on XX/XX/XXXX. {$60000.00} turned to Lend paid expenses ''
Consumer complaint received 2018-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I sent an online wire transfer but it never arrived to the beneficiary. On XX/XX/XXXX, I started an investigation and until today, Wells Fargo has not been able to refund the money. They refused to do a fraud claim and all they tell me is to file a complain. I have filed 3 complains and so far, they still tell me I have to wait. I have requested several times something in writing about the situation but the bank refuses to do so.
Consumer complaint received 2018-05-02
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. (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Jewelers XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (GA)

I have written several certified letters asking Northland Groups client XXXX XXXX for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with Northland Group and or their client XXXX XXXX XXXX  XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement does not constitute validation of the account. I've written XXXX since 2017 and they have now sent me to Northland group for {$960.00}.