davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
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)

I sent a letter to Equifax, regarding the numerous inquiries. Equifax representative told me that there is nothing that can be done. I have a fraud alert placed on the account, and explained that I did not apply for credit. But, again the representative told me there was nothing that could be done.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mother had a mortgage. She passed away. I sold the home in XXXX and have been waiting for the escrow refund of XXXX $ ever since. I have been on the phone with this company over 30 times. They have sent checks in the wrong name, the wrong address, given me completion dates of checks that never send. The latest letter I got said they will no longer issue a paper check and it needs to be submitted electronically. I was given completion dates that have come and gone. Supervisors we're supposed to call back and no one has. They keep making notes and sending it to other departments. I have asked for someone to be in charge of my account and help me get this completed and " that's not how they do things ''. The agents numbers I have most recently spoke to are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All I want is the escrow money refunded to me, it has been nearly FIVE MONTHS since the property was sold.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Data Corporation (IL)

XX/XX/XXXX. I made a {$4.00} transaction at a city gas station and the took out an {$80.00} authorization that I did not  approve. I immediately called the card company ( XXXX XXXX ) whom told me to reach out to merchant or give up to 3 days to be put back on my account. I waited over a week and the money still was n't added back. I spoke to the merchant who referred me back to my card issuer ( XXXX XXXX ) multiple times. Its now been over two weeks and the money still has n't been returned. I once again spoke to the card issuer ( XXXX XXXX ) who now says the money was added back the same day when it clearly was n't. I 'm now filling a complaint against my card issuer ( XXXX XXXX ) for not properly assisting me with this issue.
Consumer complaint received 2024-09-02
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)

I am filing this CFPB affidavit complaint to request, pursuant to FCRA XXXX or XXXX XXXX. XXXX, that you, the TRANSUNION Credit Reporting Agency XXXX XXXX informations appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX XXXX Unauthorized inquiry : XXXX  XXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2018-06-24
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. (MA)

XXXX XXXX XXXXXXXX I contacted XXXX XXXX  XXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Consumer complaint received 2018-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was just made aware a hard inquiry was made on XX/XX/2018 was made to capital one. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX, which dropped my credit score significantly. I have received no phone calls or contact via US mail to confirm this collection is mine. Due to this, I did not and have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase, the issuer of my XXXX XXXX card charged me {$25.00} late fee because they claim I did not make the minimum payment of {$25.00} for the billing cycle ending XX/XX/XXXX on time. This is a false claim. My total balance for the previous cycle ending on XX/XX/XXXX, was only {$60.00} but I paid {$200.00}, meaning I had {$140.00} credit with Chase to be applied for the next month, XX/XX/XXXX. Chase recorded the {$200.00} payment on XX/XX/XXXX. During the next cycle I used the card for other purchases for a total of {$360.00}. Chase applied the {$140.00} cash credit from previous cycle and my balance came to about {$200.00}. So, the {$140.00} of my money that I had at Chase was used and credited toward my XX/XX/XXXX billing cycle. Therefore, I had the peace of mind that I did not have to worry about the minimum payment and did not make one. However, Chase still charged me late fee because they claim that even though they had my money and that money was used as a payment to my account that does not count as a payment. This is unfair business practice and I am sure I am not the only victim of this kind of creative accounting by Chase. In my view since at the beginning of the billing cycle I did not owe anything on my account and actually Chase owed me {$140.00} then they can not claim and late payment against me during the next cycle.
Consumer complaint received 2020-06-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$130.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX  XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2018-06-24
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. (NY)

Hi I am Contact your company because the three major credit bureaus still have mycredit report all messed and and XXXX is deliberately reporting fraudulent accounts and it shows twice on my credit report, the fraudulent accounts are XXXX XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX I keep writing asking them to remove it as you know I included my police report because this account does not belong to me and is fraud and I want it removed from my account at once. XXXX also is saying my credit information doesn't match information I sent which is another lie it's just a way they can keep reporting fraudulent information on my credit report. This has been going on for way to long please stop this company and there fraudulent activity and retaliation against me do to me reporting there company to your agency. I am gon na include my identity that they sent a letter stating that my information doesn't match. Also all 3 credit bureaus are reporting falsely on balances because I gave paid my balances down on all credit cards but they continue to report old balances.

These cards have been paid in full and I want balances updated immediately XXXX XXXX, XXXX These accounts that I'm about to list need to be updated because accounts balances are wrong on my credit reports as well XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX please update balances on all these cards at once. 
Also there are credit inquiries on my transunion report XXXX XXXX from XX/XX/XXXX this is fraud and does not belong to me and I want this credit card inquiries removed at once. 
+ XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online This account is fraud and does not belong to me and I want it removed off my report at once I am also attaching a letter from the bank that states that they have already made the credit bureaus aware but they keep displaying it on my reports in order to lower my credit score. My credit score should be almost XXXX at all bureaus but everytime I report there fraudulent reporting they lower my score for no reason. I want to also add that I am XXXX always pay my bills on time and this whole situation with these credit companies fraudulent reporting is stopping me from even being able to do simple things like moving. Please look into my credit report and make them report correctly and force them to remove accounts that do not belong to me.
Consumer complaint received 2018-06-22
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 (KY)

I contacted Capital One in XX/XX/XXXX and made my payment and then requested to be signed up for auto pay. In the time between XX/XX/XXXX and XX/XX/XXXX I made a couple of payments that I assumed were extra payments to pay down my balance faster, I used my last minimum payment due to make these payments. I returned from vacation on XX/XX/XXXX and my wife went through the mail and when she opened our statement it said we were past due {$800.00} and that we were more than 30 days late. I called and spoke with a representative and he assured me that my credit would be taken care of and he would waive the late fees and make sure I was in auto pay, he placed me on hold and a few minutes later a different representative picked and said they would not waive the fees or fix my credit report and that it was all my fault that the account was behind. I asked him to contact the person I spoke with in XX/XX/XXXX and he said that was not possible and I told him this was unacceptable and he transferred me to an Account Manager. While speaking with this account manager about this very serious issue there were many people in the back round laughing and joking around the whole time, she again basically said it was not their responsibility that I was not enrolled in auto pay and the only thing she could do was ask for the tape to be reviewed which would take about 6 weeks and that I could not review the tape it was at their discretion completely.
Consumer complaint received 2018-06-22
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. (AZ)

Good afternoon CFPB, thank you for taking time to review my complaint. My complaint arises from my credit report. As I have progressed in my age and career I have made it a point to also by mindful of my credit. Likewise, several months ago I noticed that one of my three major credit scores seemed much lower than the other two. The credit agency reporting the substantially lower credit score ( difference of around 50 points ) was Equifax. When I looked into what was causing my Equifax score to be so low I noticed Equifax we reporting a collection item that had previously been removed from all three credit agencies ( a separate incident ). For some reason Equifax has now placed this collection item back on my credit report with them. The collection item in question originated from a local cable provider " XXXX XXXX '' but was sold off to a collections agency. As previously stated this collection item was erroneous and was subsequently removed. I contacted Equifax on XX/XX/XXXX and went through the claim submission process. Since then they keep sending emails that contain the " outcome '' of my claim however I am never able to log in and view the " outcome '' of the claim because the log in credentials are questions you must answer based on information Equifax has gathered on you. I can never log in because the " information '' they ask is not correct, so I can never get in to view what happened with my claim. This, coupled with the fact that my Equifax credit score is still substantially lower than the other two ( XXXX & XXXX ) leads be to believe Equifax is not fulfilling their due diligence in amending my credit score/reporting. The Confirmation number I am given from Equifax for the " results '' of my claim is # XXXX
Consumer complaint received 2018-06-24
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. (MA)

On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both XXXX  AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX  and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
Consumer complaint received 2018-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

I've already filed a complaint one time before with the cfpb and the company response was they will send me something in the mail. They didn't. I've sent them certified letters and they still haven't responded. I want this off my credit report because they won't validate the debt.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation (SC)

I signed up for Zoca loans back in XXXX. My original payment and payment dates were XXXX $ on every Thursday. When I saw that I immediately called the company and have them switched it to every Friday because that's what my paydays are. For a while they were coming out on Fridays and then suddenly it stopped. I noticed the change when I had an over draft fee for them withdrawing my account and the funds were not available on a Thursday. I then called the company again, spoke with a XXXX ( whom was very rude ) told me she would have them switch back to Fridays. I felt like she did not submit my request so I then emailed their support group and was told by a XXXX ( see attached documents ) that my payments would be drafted on Fridays. Went to check my account this morning and saw ANOTHER overdraft fee and that my account was drafted on Thursday XX/XX/2018. I am very furious at this point. I am a consumer trying to make my weekly payments on time and they continue to overlook my requests. I do not have any extra money to be paying for overdraft fees and I would like my money refund back to me from this consumer.
Consumer complaint received 2020-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

To whom it may concern ; I sent a dispute letter to the company Equifax on XX/XX/XXXX regarding inaccurate and unverified public record on my credit report ( bankruptcy ) I asked Equifax to investigate for me and give me the method of how they verified the account. Not only have I not heard from them at all about this account but they have not conducted the investigation within a timely manner within the 30 day period. Please have them delete this account immediately.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (TX)

Thank you for taking the time to review the complaint regarding the credit report. Nelnet continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Good Morning, On XX/XX/XXXX I received a notification from XXXX XXXX XXXX regarding a denial for a apartment in Washington DC ( XXXX XXXX ). Further, the denial indicated that I would require a guarantor as my credit report from trans union resident score was XXXX. I checked my Transunion credit report and I see that my credit agency score is much higher than that. On XX/XX/XXXX I requested a copy of the credit information from XXXX XXXX XXXX which I am currently waiting my copy. In the mean time I want inquiry how XXXX XXXX XXXX can deny my apartment occupancy with a much lower score than XXXX XXXXXXXX XXXX are they one in the same?
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

For my account with XXXX XXXX, they reported I missed a payment. However, if you look, I am ahead on my payment and the balance is up to date and paid over the minimum amount due. Please have them remove the late payment.