davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (IL)

Hello, my name is XXXX. 2 days ago, I received a letter saying that I have a debt and it is already with the collectors. But I have no debts, the company that collects this debt from me did not even notify me that I was billed. We XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they didn't give me any documents when we moved, and when they moved out of this apartment, they came to look at it and said that everything was fine with us. For 2 months, I just have an amount hanging somewhere, and the fact that I owe money, although it did not come to my wife or me by e-mail, that we owe money, I do not agree with what is required of me. That is, the company was silent for 2 months, and then a debt just appeared out of nowhere.I don't want to pay this money, but I can't either, since I work in a family alone, we are visitors who don't even have documents. There are no documents or money.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I called Sams Club Credit card ahead of time to let them know we would be making large charges followed by large payments for work being done on a major project. It was ok at first until this week. My credit limit is over {$14000.00}. A payment was made of {$11000.00}, left my bank checking account via XXXX on XX/XX/XXXX and POSTED on the Sam 's account with Synchrony Bank on XX/XX/XXXX. The balance was updated, but the available credit was not. I called and was told that the available would not be updated until XXXX!! We did this for convenience purposes because the work is being done out of town, not local to us. This will cause my project to stall for XXXX days! I have been with Sam 's since XXXX, always paid on time and have an excellent credit history. How can they withhold my available credit when the money clearly was there or the XXXX would not have cleared. This can not be legal to withhold my available credit just because they don't trust my payment source.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/year> I booked a hotel reservation through XXXX for a hotel room using my CapitalOne credit card. This was prepaid rate. Upon arriving at the hotel late night I found the room to be in an uninhabitable condition. It was insect infested, bedsheets unclean with blood on the linens, holes in the flooring with carpeting simply laid over. Very simply put this is what you might expect in a third world country. I immediately went to the front desk and requested a refund. The lady at the front desk said there was nothing she could do as this was a prepaid 3rd party reservation. I immediately departed the room and telephoned XXXX support to demanded a refund however they refused. I disputed with CapitalOne as soon as the charge posted and they made a final decision denying my dispute as of today.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The account was opened XX/XX/XXXX and closed XX/XX/XXXX. States I owed XXXX from XX/XX/XXXX to XX/XX/XXXX. Thats inaccurate because it says last payment date was XX/XX/XXXX. Than my status was update XXXX as a charge off. Inaccurate information on other credit bureaus.This inaccurate information falsely manipulates my credit worthiness and hurting my ability to obtain credit. Equifax failed to investigate this account properly after repeatedly asked to have this account updated. Your neglect has once again violated my consumer rights. Im demanding a deletion of the following account XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

The issue with bank of America is being selective. I filed a dispute with BOA on a company names XXXX. 

XXXX provided third party vendors that did not provide the guaranteed work that they promised. We went back and forth with XXXX over this issue and they did not want to provide us a credit. It wasn't until we filed the dispute that they claimed she I filed the complaint the credit was with BOA. BOA claims they have to contract XXXX. 

We are in middle of this nonsense. We demand of {$6300.00} and changes credit card to our account immediately and not no 45 days.
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

My mortgage was recently transferred to NewRez. I have autopayment set up on my account for which payment cleared in XX/XX/XXXX. On XX/XX/XXXX a second payment was deducted from my account. I contacted NewRez which required navigation of a long phone menu.

After contacting customer support they said it was a known issue for all recently transferred accounts. A second payment was deducted via ach in error and was scheduled to be reimbursed. No timeline to reimbursement provided. No notification of the error. No message posted to their site, noting the issue. Payment was returned the following day. On the next day a third payment was deducted from my account.

As in the first instance, I called and the agent said it was a known issue and that funds would be returned the following week. I asked what was being done to remediate the issue. The agent was not aware. I asked the agent for a concession given the withholding of funds for a period in excess of 5 business days. No concession granted. I was then directed to a manager who could not explain the root issue, nor provide a concession for funds withheld. No notification of their error or communication has been provided by NewRez. 

It has now been over 14 calendar days and I have called the company for an update multiple times. They continue to tell me the money has been refunded but there has been no deposit in my account. I do not know what the status of refund is, truthfully, and my next monthly payment is in two weeks.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Im in direct violation of th fair credit report act. XXXX XXXXl c/o XXXX XXXX XXXX, XXXX bank, XXXX  XXXX and XXXX XXXX XXXX  credit card bank XXXX XXXX bank XXXX has violated several of my rights. 

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act. What Happened : In cases of a charge off showing on a credit report, a company in required to send the consumer a 1099 for the amount of the charge off. That has not happened. I have not received a 1099 for any charge offs.
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (MI)

On XX/XX/2024 I wrote XXXX, Equifax, and XXXX asking if they could look at the bankruptcy # XXXX it did not look right to me. On XX/XX/XXXX they respond back saying that the account was verified as accurate and remains. Attached is a letter that I received from XXXX on XXXX XXXX explaining that the account was deleted from my file. 

If the account is verified through XXXX, according to XXXX, Equifax and XXXX that mean my consumer report needs to be updated to math my credit file. 
please remove from credit report immediately
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My checking account has being suspended on XXXX, when it was closed it had around {$40000.00} in it when is was suspended. I tried contacting capital one and the agent said that my account is currently restricted and going to get closed since capital one has ended relationship but is still under investigation and after investigation any remaining funds will be sent to me using a check. I waited two weeks now and nothing from the bank side and i called again and still no updates.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MO)

The company placed this account on my credit report. The company involved was paid by me. Granted it was AFTER they turned it over, but none-the-less, they were paid. I still have the same services with them with the same phone and internet number. I would not have been able to continue with them if I owed this debt. My credit report shows a 100 % perfect payment record with ALL of my creditors. Why would I not pay XXXX and allow it to go on my credit report.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint XXXX was submitted XX/XX/XXXX It has been over 60 days without a response. According to CFPB, the company has 60 days to answer. So this XXXX should be deleted from my credit reports.
Consumer complaint received 2024-01-10
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXXXXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with XXXX 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 those account 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. 


XXXX 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Hello, On XX/XX/XXXX, I was notified by XXXX via email of a past due bill on an account connected to my email. I was taken aback by this because I have no accounts with XXXX. Upon hearing this I contacted my cell phone provider informing them of incident, which resulted in a scan of my phone checking for bugs and viruses. Upon completion it was confirmed that my device had been compromised and hacked and my information and data was subject to being stolen and used for fraud. They advised my to check credit reports with all bureaus, i did and saw that my credit file had fraudulent information reporting from as early as 2021! 
XXXX XXXX
Consumer complaint received 2024-04-19
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. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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