davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I requested via on-line form that Experian place a credit freeze on my account due to the XXXX data breach. After completing the form and submitting it, the web response was that my request could not be completed on line and that I had to send in a mail request, a request that had to include documents confirming my identity, which of course were also subject to data theft via mail diversion. I requested in my letter that I be informed as to why my freeze request could not be processed on line. I received a letter from Experian noting that my freeze had been placed, but no answer to my question regarding why I could not establish a freeze on-line. On XX/XX/XXXX of this year, I wanted to have the freeze temporarily lifted in order to apply for a credit card. I completed Experian 's on-line form requesting a temporary lift, which included my credit card info for a {$5.00} charge, and submitted the form. The next screen informed me that my request could not be completed on line, but had to be mailed, once again including social security number, utility receipts, my freeze PIN, DOB, copy of license, etc. All info subject to mail diversion/theft. I have tried calling Experian at least 10 times using various numbers ( XXXX XXXX XXXX ) ; during none of these calls was there ever an option to speak to a live representative - only multiple voicemail options with instructions followed by a hangup. The requested information was mailed to XXXX on XX/XX/XXXX by certified mail. It arrived in XXXX TX on XX/XX/XXXX but was not delivered to XXXX until XX/XX/XXXX. Experian states mail requests will be honored within 3 days. It is now XX/XX/XXXX and I have received no information from Experian that my freeze has been reversed. It seems impossible to check freeze status by internet web service or by phone ( yes, multiple failed attempts again today ). 
It is unconscionable that a company whose business model is to profit from my personal financial data without my permission or recompense to me would not provide a readily accessible means to speak to a customer service agent in order to get a question answered, and would not answer a specific written question about freeze services. This is obviously deliberate on their part ( multiple similar complaints in on-line and social network forums ).
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is not a duplicate complaint and I requesting for the company, XXXX app to respond. The XXXX app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the XXXX app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX
Consumer complaint received 2023-10-12
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. (TN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX account XXXX is a fraud account it supposed to be removed from my experian credit report my social security number is XXXX I filed a federal trade commission identity theft report on file please have experian remove the account in 24 hours
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I've been disputing things on my report since the summer and it's alot of wrong information and wrong addresses plus wrong names on my report and I get email from ( Experian ) that they are not removing it
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Hi Rushmore. Thank you for the quick response to my request for information. However, you claim that you had a loan with me and now u dont. You then go on to ask me for documents that I can not possibly possess because, as I explained to you XXXXXXXX XXXX has taken affirmative conduct to block me, ignore me, and refuse to reply to me here. So you my want certain documents but again I am unable to provide do to circumstances out of my control, but I still need your assistance and am grateful for any you can spare. I have provided you with what XXXX XXXX  sent me in its last communication to me in XXXX. You are named as having or having had an interest in my home. As there is an ongoing civil suit I humbly ask you to please please please help me understand what interest you hold or held in loan XXXX. I am so grateful for any help.
Consumer complaint received 2017-06-01
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: EQUIFAX, INC. (CA)

On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximate ly ten  days later due to my credit report.  XXXX  pulled up my  XXXX  credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX    XXXX   has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have 2 cards with the same cycle, due on the same date, yet they have different processing when it comes to payments. 

In the past if I was a day late on paying the minimum, I could pay it and it would not count against me. 

My payment for both cards is due on the XXXX of the month. 
I logged in XXXX to pay both minimums. 
I added a new account to pay, the system verified the account and added the account as a payee, which it would not do if the account was not accurate. 

I was able to pay the minimum on the smaller balance, however when I tried to pay the one w the larger balance it wouldn't let me. 

I called, and the rep said I couldn't pay it bc it was a day late. I explained I had paid a day late plenty of times, besides the system allowed me to pay the other account, which had the same due date. She could not explain why and said I would be charged a late fee on one account and not the other, although they have the same cycle and due date and even though this was not the case from the past. 

Then I got a message the other payment didn't go through bc there was an error with the account that has already been verified and added as a payee. I called, the rep put the same exact numbers in to remake the payment and of course, I was charged a fee on that account as well. 

I was charged {$75.00} extra on the larger balance and {$6.00} extra on the smaller balance, which to me were predatory fees being there clearly is no standard practice. 

Now, early this morning, XXXX I made a payment to both cards using an old account that I've used many times. 

Of course, the smaller balance went through and shows a pending payment. 
But the larger balanced account is still saying I'm behind, which is inaccurate, because I have a receipt in my email showing I made both payments a minute apart from the same account, both in the early morning of the due date, XXXX. 

Further more, just like last month, the cycle ended only on the larger balance and shows I have to wait until the next cycle to make a payment, that already made on time this morning. 

The system is not functioning properly and of course, Capital One is making money from the " errors ''. 

The screenshots uploaded are from XXXX on today, XXXX. I made both the payments this morning around XXXX, which is also in the screenshots. What kind of system records certain payments but not others?
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NY)

The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. - I had a screenshot when this was submitted and their system had incorrectly shown that I applied on XX/XX/XXXX - that's their IT problem. And before it expired they webpage took my promo code without a problem and it was showing that I would earn those {$400.00} by meeting the terms which I did. I had called the bankers a few times and they acknowledged that I applied on XX/XX/XXXX but it was then approved on XX/XX/XXXX giving them the reason to decline. I disagreed with that statement as the terms said " opening a new business checking account '' meaning to initiate the application. 

They also stated that I did not meat the " five qualifying transactions within 60 days of account opening '' where I did have five qualifying transactions. Their bankers however, did say that I met the qualifying transactions. 

All terms were met and it really shouldn't be this hard to get {$400.00} as initially promised. I really don't want to get to a route that I would need to go to a small claim court in order to get this {$400.00}. It is just not professional to allure new customers with bonuses that they won't offer.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The moment I received the duplicate of my report that I purchased with XXXX XXXX I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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. (TX)

My XXXX account number XXXX credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2023-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WA)

I called Wells Fargo several times before closing my account to make sure I would receive no penalties and could close my account at {$0.00}. Several months after I thought I closed the account I get an email notification saying my address has been updated. How can my address be updated when I don't have an account with this company? I tried to log in online and investigate but they won't let me log in. It says I'm not enrolled in online banking. So you're changing my billing address without letting me see the account. I want nothing to do with Wells Fargo and want a regulatory complaint that they are still up to the same old bad practices
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Certegy Holdings, LLC (IL)

purchased XXXX from XXXX XXXX XXXX in XXXX, il on XX/XX/. they took out electronic and then when the check got stuck in the reader the got it out after i left and than took it to the bank and deposited it, so than it came out again on XX/XX/. we i called them the said it would be taken care of in 7 days. it was not so i went to my bank and they took care of it. now they turned the check into a collection agency, so now i can't write checks anywhere. they are thieves.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-02
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. (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 USC 1681.

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 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 2021-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliant Capital Management LLC (NY)

I was contacted via email from company called alliant capital management stating that I owed a debt from XXXX XXXX/XXXX  XXXX. Spoke with XXXX from alliant capital. He said he would accept payment of {$350.00} as settlement for debt of {$880.00}. Made payment on XX/XX/2021 with credit card. Was promised a letter stating debt was paid. Still haven't received any notice from alliant capital. I have called and emailed several times no response. I called original creditor and they still have debt outstanding and have no record of alliant capital management handling this debt. I believe I was mislead into paying this company.
Consumer complaint received 2023-10-11
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. (OH)

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 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.