davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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. (GA)

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. 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. Inquiries 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 I am doing all of this on my own.
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I had fraud on my checking account with Navy Federal Credit Union. This happened while I was in XXXX, the person who did it was XXXX XXXX, I submitted all the fraud affidavits filed a report with the police in XXXX, XXXX and filed a ftc report as well. In addition I filed the fraud paperwork Navy Federal Credit Union sent me. This still has not been resolved. Navy Federal has blocked access to my accounts and say I owe them for this. I have filled out all the paperwork, filed police report but still they will not let me access my ccounts or give me new account numbers.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion deleted my charge-off as requested by my creditor XXXX XXXX XXXX XXXX XXXX andmyself. But they also deleted my Line of Credit which they were not suppose to, nor did I asked them to, in XX/XX/XXXX. I was applying for a mortgage loan at that time. So I most definitely would not have askedthem to delete my Line of Credit. XXXX updates my account every month and TransUnion has not addedmy Line of Credit back on my credit report. Please contact XXXX XXXX Collection Manager at XXXX XXXX XXXX XXXX at XXXX. She is eager to speak with CFPB to back up mycomplaint. TransUnion 's investigation of my dispute was completed without them contacting XXXX 
XXXX. The whole purpose of filing the dispute was to let TransUnion know that my Line of Credit wasdeleted from my credit report. TransUnion response to my dispute was that my account does notcurrently appear on my TransUnion credit report. The whole purpose of filing the dispute was lettingTransUnion know the account was not on my credit report. I am asking CFPB to go over my documentsthat i am submitting. And to have TransUnion add my Line of Credit back on my credit report. So I canreapply for my mortgage loan. I am still making on time payments which I am getting NO credit for it. Iam submitting documents showing the following : Communciation regarding the Charge-Off, My InnovisCredit Report showing my Line of Credit is still being reported. Drafts from XXXX showing in XX/XX/XXXX, XX/XX/2014 and XX/XX/XXXX that XXXX is reporting my Line of Credit. TransUnion dispute and response fromTransUnion. Email showing TransUnion did not contact XXXX XXXX at XXXX regarding my dispute. Alsomy complaint, I file against Equifax with the CFPB regarding my Line of Credit being deleted. WhichXXXX has successfully added my Line of Credit back on my credit report. And lastly I have attached my current amount that Iowe on my Line of Credit. Thank you!
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

I filed a CFPB complaint # XXXX against XXXX XXXX bank for an outstanding negative balance in my account. I have not heard a response from XXXX XXXX within the 15 day window allotted by the CFPB. During this time of waiting for their response to my complaint. My account was turned over to a collection agency " Credit Collection Services. '' I am filing this complaint for CCS not doing a due diligence in checking my account standing with XXXX XXXX and my current complaint status with the CFPB.
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Account # XXXXThrough Freedom MortgageMy account was paid in full XX/XX/XXXX, my remaining escrow balance of $1200.00+  was (per customer service at Freedom) mailed to me XX/XX/XXXX. I received my copy of Deed of reconveyance letter from them also dated XX/XX/XXXX, but no check at all. I asked them to please check their servicing department to see if the mail actually went out, or got lost interoffice, they stated no it was sent out.  It has been 16 days and mail does not take that long. Their only suggestion was they would have to wait 30 days, then stop payment on the check and then reissue it 10 days later.  That is not a timely manner to get MY funds back I paid them.I am a XXXX XXXX and deal with this all the time, and people usually get their checks back in 2 weeks time. I feel they are delaying this on their end and being deceptive about even sending the money and offered me no solution to return my money. I would HIGHLY recommend not using Freedom Mortgage to refinance or purchase a home, they have terrible customer service and do not follow rules set before them like other companies do.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

I called Experian on XXXX/XXXX/XXXX to try to have them remove a Judgement off of my husband 's credit report. Because it was filed XXXX but we were never contacted about it and it is holding up a Loan we are trying to get to Refinance our Mortgage. I was told they can not take it off until XXXX/XXXX/XXXX. So I filed a dispute with them today asking again for them to remove it because We never knew anything about it and the said Plaintiff XXXX XXXX XXXX XXXX. is no where to be found. Not fair to ruin our credit when we Do not know if it is even ours.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have two issues with report. 

1. This is a student loan collection/rehabilitation account with performant recovery which is open and I make monthly payments to rehabilitate the loan but I have disputed the account and they are reporting it as closed derogatory. The account is open. 

2. The original loan was opened with XXXX ( XXXX ) When the loan defaulted, there was a XXXX balance transfered to Collection and a new collection account was opened on the credit report also labeled XXXX. Not only does it look like I 've defaulted on XXXX loans, my credit reports show XXXX in debt, which is clearly inaccurate.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was charged a late fee on XXXX/XXXX/2015 & XXXX/XXXX/2015 of {$35.00} each that were supposed to have been removed & credited back to my account. When I pay over the telephone I 'm told the payment is processed on time yet I get charged a late fee anyhow. When I 'd contact customer service within a couple days of this happening I 'd be assured the late charges would be removed & credited to my account. But this is n't always the case. Because I 'm recovering from a series of procedures I 'm unable to keep as close of an eye on my account. The last time I contacted customer service I was to told the charges were too old to be taken care of. Yet it was the credit card companies fault they occurred in the first place & not properly taken care of.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I worked for XXXX XXXX XXXX XXXX from XXXX. XXXX was created after I left thecompany. I was never billed for such service. The collection company is awareand broke the law and reported on my equifax file without sending me a 30 days notice. 
I have disputed with Equifax XXXX times online .Equifax has never verify this account. 
I never had such bill. I would like Equifax to verfiy. Equifax is reporting it as unkown billfor unknow service.
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, XXXX at approximately XXXX hours, I checked my credit report using Experian because this was the ONLY credit bureau which gave me negative remarks with a credit score of XXXX points. I noticed the address of XXXX XXXX XXXX, XXXX, California was wrong. I disputed through Experian by explaining to the bureau that I have NEVER lived in XXXX, California in my life. I live in XXXX XXXX, California since XXXX. Someone stole my personal information such as my social security number and date of birth to open several credit card accounts since XXXX XXXX. I had to dispute several fraudulent charges to several credit card companies by explaining to these companies that I do NOT live in XXXX, California. I would like Experian to remove this address of XXXX XXXX XXXX, XXXX, CA and restore my excellent credit score of XXXX points which I have maintained XXXX years of my life. I owned a townhouse in XXXX XXXX since XXXX due to my credit score of XXXX points. I just refinanced my house on XXXX XXXX due to my score XXXX points. I paid ALL my bills on time throughout my entire life by working hard. The suspect stole my identity on XXXX XXXX and has ruined my life since then. ALL I want is 100 % closure and Experian to restore my credit score of XXXX points. I sent a XXXX XXXX Police report to Experian by mail on XXXX XXXX, XXXX to verify what I said is 100 % truth. Experian still refused to assist me and refused to restore my credit score of XXXX points. I do NOT live in XXXX, California and will dispute many fraudulent charges against me. Experian has most of my personal documents such as my CA driver license, social security card, DMV bill, property tax bill and a XXXX XXXX Police report to prove my identity. The suspect committed the crime of theft using my identity in southern California by avoiding capture from the law and payments. I ONLY live in XXXX XXXX since XXXX. PLEASE remove XXXX, CA from my credit report since I have been a victim of Identity Theft. And PLEASE contact XXXX XXXX by having XXXX XXXX close my account due to fraud and Identity Theft. And PLEASE help me restore my credit score of XXXX points which I work very hard throughout XXXX years of my life. Thank you.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.
Consumer complaint received 2015-09-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Received a bill not itemized from Nissan Credit 60 days after turning in a lease vehicle for {$600.00}. Deduction of {$290.00} was expected, other deductions were bogus. Called and was told rear carpet of car had to be replaced, bogus, I am XXXX and no one even rides in rear, said there were XXXX other deductions but would not tell me what they were, said there were duplicates on bill. I requested a itemized bill and never received. Have tried to pay adjusted bill and 3 yrs later have never received. They reported to credit bureau as a write off. Called many times and requested a itemized bill and all I was offered was a XXXX % discount, not, would still show as write off on credit report. They would take payment over phone, not, but still would not send bill.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I first requested my free credit report in XXXX thru the govt website. 2 weeks later I was notified to submit proof of identity because the data they got from your website was illegible and they could n't understand the nature of my request. Is my request the first time they 've gotten a request from the govt website? They made a request for XXXX different forms of id to accompany and complete duplicate of the information I had already submitted thru your supposed faulty site. I provided clear and legible copies of my social security card, medicare card, utility bill and a cancelled check none of which was good enough for trans union. They have now sent me a third request stating what I previously sent them was inaccurate and unacceptable because it was too old, illegible, not a qualifying document and that I did n't send qualifying documents. Again this is the third time they have turned down my id. I dop n't have anything else to send them. They did n't like what you sent them also. So perhaps you have created this problem for me? It 's clear that they are fishing for more free information about me that they can add to their files and sell, profiting from me while refusing to share with me what info they have and also refusing to remove the erroneous and derogatory information that they have been providing to others and therefore doing damage to me and my good reputation. Trans union realizes that I 'm a XXXX senior and unable to work. Furthermore I have been in their files for 45 years. I 'd sure like to see what they call illegible. It is illegal for trans union to receive the '' benefit of the bargain '' profiting from my information. Furthermore, credit bureaus can be sued and for big bucks. I demand correct copies of my credit report be sent to the address I have provided to them immediately and I demand that they remove each erroneous item listed. Their reporting of false information about me has prevented me from obtaining a place to live. Hope you can help.
Consumer complaint received 2023-07-11
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. (OH)

Experian is not properly investigating items being disputed on credit report. They haven't provided me with validation of debts per 15 U.S Code 1692g. They haven't provided me with validation of contracts from the creditors per 15 U.S. Code 78cc. Most importantly the violation of 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In an ongoing effort to keep my credit report free of errors, I have been trying to log on to the TransUnion website to file an online dispute for several weeks now. Through lengthy conversations with their telephone customer service representatives I learned that someone else had logged on posing as me with a fraudulent email address, complete with fraudulent answers to security questions. I was asked to provide proof of my identity by sending them government photo ID from my email address. When I did this they sent a login reset link to the fraudulent email address, which I only know because they happened to have cc 'd my email address. If I did n't have a security breech before, I definitely have one now due to negligence on the part of TransUnion. 

After many customer service calls wherein I was not fully understood by the agent and/or I could barely understand them due to thick foreign accents, I asked to speak to an American call center. I was transferred to someone who spoke perfect English, but who would only record the details of my problem and could n't help me. This person promised I would be called back by someone in the US who could help me, but it never happened. I responded to the email sent out to the fraudulent address explaining what they had done and they claimed, " We have blacklisted email address and locked up the account with reference number XXXX. '' But whenever I call in I can not get a representative to confirm this. I am still unable to log in online, which is the easiest way to lodge a dispute. More importantly, without the ability to do so, I feel I am not in control of my personal information. Finally I asked them to put a security freeze on my report while this was worked out and after they did so they informed me that I would be charged {$10.00} to lift it unless I filed a police report, which is outrageous because they would be an accomplice in any identity theft charges. 

I have been very clear in what I want from TransUnion to settle this matter : 1 ) I want to know that my information is secure and available only to me and authorized financial institutions. 2 ) I want to be able to log in under my own email address and be able to access and dispute my credit file online. 3 ) I want them to admit their complicity in this security breech and refrain from charging any fees associated to the security freeze on my account, even if I need to lift it in future. 

It would also be nice if they took steps to make sure this kind of thing does n't happen to someone else.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

I *love* my new car - a XXXX XXXX XXXX , a fantastic value and wonderful service at the dealership. However, I *don't* love my GM Financial billing statement which does not readily and easily display pertinent auto loan information. Nothing is " at a glance. '' The statement does not include 1 ) the interest rate ( it shows the monthly charge and what I PAY for interest - but not the APR ) ( 2 ) No structured " payoff '' amounts ( like credit card statements do : e.g. " If you pay {$300.00} a month, this will be paid off in x months ; If you pay {$350.00}, it will be paid off in x months. '' ) I think these statements are deliberately misleading to the consumers and need to be revamped to resemble the newer credit card statements where everything is " out there '' for the consumer. Thank you. My auto loan is # XXXX
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Other — 
Company: JH Portfolio Debt Equities, LLC (GA)

I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX has issued a late/missing payment remark on my credit report. The account in question is not mine ; it is my late step father 's. They claim since I was authorized user ( which is news to me-I have my own XXXX XXXX account ), they have the right to put this on my credit report. I think this is extremely unfair! I never signed my name to this account ; plus even XXXX XXXX states an authorized user ( if I was one ) is not liable to pay the account. So why is it alright for them to report my Dad 's account with a derogatory remark on my credit report? I think it is terrible to use my Dad 's passing as an excuse to do this. I would like their remarks removed from my credit reports.
Consumer complaint received 2017-09-14
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. (VA)

I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, Experian, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX  because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with Experian due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.