davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (MS)

I am formally writing this complaint because it has come to my attention that the account I have with your company is constantly being updated and verified by the consumer reporting agencies. Specifically, EXPERIAN. The account I have with your company is being disputed because it is shown inaccurately in my consumer report which is damaging to my financial reputation, and it ruins the integrity of my consumer report. 

This is not a refusal to pay anything so do not get the wrong idea and discriminate against me for exercising my legal right under federal law hence the Fair Credit Reporting Act. 

XXXX MORTGAGE SERVICES continues to verify with the consumer reporting agencies through e-OSCAR that the information being reported is accurate and complete. This is not the case. The account shows up as incomplete for the years XXXX, XXXX, and XXXX because it shows instances of No Data or a dash in the payment history section of the account implying that there is no record of the existing payment as seen in my consumer report. 

The Fair Credit Reporting Act prohibits unverifiable information and incomplete accounts from being reported to consumer reporting agencies. I request that you provide the correct information that is factually missing as shown in my consumer report. I will highlight the areas and attach what I am seeing directly from my point of view.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The credit reporting bureaus, in general, have become very difficult to deal with. I will try to outline the difficulties I have encountered today as an example of the general difficulties and roadblocks erected in dealing with these companies. 

XXXX : Can not get a printed or PDF copy of a credit report online. This must be requested thru another party ( XXXX ) that requires additional sign-up involving deeply personal information ( SSN ) creating yet another leak source XXXX calling the company. That phone call took over XXXX minutes on hold and involved giving all of the personal information to both the IVR ( telephone interactive voice response system ) and the human rep that eventually answered. In the end they would not allow me to have a copy of the report without providing a copy of my driver 's license through an additional procedure. I declined in frustration and left polite feedback about the specifics of my difficulty with them in this interaction. The human I dealt with was fine ( even wonderful ). It's the System that is the problem, and they have no real motivation to fix it. 

TransUnion : The login credentials used for XXXX XXXX are not the same as a " front door '' login. I was able to get logged in thru the XXXX XXXX angle then navigate to the Credit Report location. The website said I recently received a report ( which I had not that I am aware of ) and would not process my request, directing me to call a phone number, which lead to an IVR that was impossible to get through. 

All of the bureaus are VERY MISLEADIING in wanting users to signup for a paid service. 

Please address this. 

Thanks
Consumer complaint received 2024-06-04
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. (NJ)

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 2015-08-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

XX/XX/XXXX I was granted a loan modification. After that time my loan was sold to Nationstar. The first three years the mortgage was at 2 % I paid my payment and expected it to go up sometime XX/XX/XXXX to 3 %. I recently received a notice from Nationstar that my mortgage would be changing from 2 % to 3 % and my current payment of {$1600.00} would be changing to {$1000.00}. They even sent me a copy of my modification that specifically stated my mortgage would be raised on XX/XX/XXXX to {$1800.00}. I contacted Nationstar immediately and was once again told that the payment was {$1000.00} via an email inquiry was correct. 
Something is truly wrong if Nationstar can modify-modifications on their own. I do not want to get a notice after a year that they were wrong and I now owe them the difference in the actual payment and what they are changing my payment to {$1000.00}. Please let me know if I have any action against Nationstar and what that would be. The loan number for my mortgage is XXXX and the property address is XXXX XXXX XXXX, XXXX, CA. XXXX. 
My phone number is XXXX. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is under a Federal Lawsuit and XXXX XXXX XXXX Court of Appeals has not signed and seal writ along with XXXX XXXX Supreme Court of Nevada. 

Transunion blocked credit card that was already approved. 

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Army and Air Force Exchange Service (TX)

I noticed a collections account on my credit report for AAFES/Military Star Card in the amount of {$14000.00}. The account balance at close was {$7400.00}. I attempted to make contact with AAFES on XX/XX/year>, regarding this account via phone and email. When I recieved a response from AAFES on XX/XX/year>, I was told that The amount owed was {$10000.00} and I could pay it now. I offered to pay the the origional account balance at close in full plus interest, {$7800.00}. XX/XX/year>, I recieved an email that my account had been transferred to an outside collections agency, XXXX XXXX XXXX ( XXXX ). When I called XXXX, I was advised that my balance was now over {$14000.00} again? I was told that XXXX was a government entity, had the power to without a judgement take all my money, vehicles, home if needed to pay this federal debt. When I tried to ask why the amount changed overnight by over {$4000.00}, The representative told me that it was " Fees '' charged by XXXX. Once again I was instructed to pay the full about or they will take my taxes. I got off the phone with XXXX and called AAFES back, they refused to speak with me. I asked if they " sold '' the debt to XXXX, they said no, its just being " serviced '' by them. I have been trying to settle this account for over a year now. XXXX was able to, without a judgement, take my federal taxes, garnish my wages and still they say that I owe over {$10000.00}. Currently I have paid over {$6000.00} to XXXX for this debt. This type of collection has to be illegal. These " Fees '' they are charging that I am not allowed to know what they are for, they are also additional to a penalty interest rate. Every wage garnishment they take {$470.00}. They informed me that {$140.00} goes to interest, {$75.00} goes to their fees. I have called and emailed both companies more than a dozen times. They refuse to communicate in any written form. They want me to call so they can threaten me with more? When will this stop? I was never allowed to see the garnishment order, I am not allowed to pay on the account, there is not statement of fees and XXXX is not a government agency. I have filed a complaint with the Texas Attorney Generals Office as well.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. Bank of America is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. Bank of America, XXXX, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to XXXX, XXXX, XXXX, and Bank of America whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Bank of America never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures at this time. 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Consumer complaint received 2018-05-21
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: Experian Information Solutions Inc. (OH)

Experian continues to report an address on my report that I have never lived at. I've disputed this multiple times and they will not remove. The address is not registered with the US postal service nor is it valid and I've never had a lease at this address.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TN)

join self financial in XXXX every payment made. 

XX/XX/XXXX. XXXX open dated. i closed the account early i had got a credit card. 
The credit report dont show my closed dated. somehow i had a balance didnt know about and got a late payment XX/XX/XXXX and XX/XX/XXXX. i already had closed the account. bank issue or payment issue that got return. i got XXXX late payments they refuse to help with over a banking error.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (NY)

I rented a car through XXXX XXXXXXXX XXXX XXXXXXXX in XX/XX/year> in XXXX XXXX. The car was dropped off at the airport around XXXX on XX/XX/XXXX. The person who checking in my car incorrectly entered XXXX on XX/XX/XXXX. I provided my flight receipt and screenshot from XXXX showing my past flight on XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX stance is that my proof is insufficient and they only accept boarding passes as proof. The boarding pass is no longer available as the flight was in the past. I called XXXX and they said they can not provide the boarding pass, they can only confirm that I was on the flight. I disputed only the extra day of charges with XXXX ( {$73.00} ), who sided with me in the dispute. After winning the dispute, XXXX XXXX XXXX XXXXXXXX emailed me saying I still owe the {$73.00}, to which I declined. They have since submitted this debt to HP Sears debt collectors. 

I have attached the XXXX XXXX confirmation showing the time of the flight, as well as the XXXX screenshot of the past flight. Additionally there is the XXXX XXXXXXXX XXXX XXXXXXXX receipt attached.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optio Solutions, LLC (MD)

There is a collection on my credit report for an apartment complex in XXXX XXXX that I have never lived at or applied to. I never got any notifications that I owed money. I never was told about this. I found out when I showed up on my credit report. I am a victim of identity theft.
Consumer complaint received 2024-08-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (FL)

On XX/XX/XXXX I submitted CFPB COMPLAINT # XXXX regarding a discrepancy in balance of a prepaid gift card. The amount in controversy is {$13.00}.

This card had an original balance of {$100.00} and was used twice. One for {$44.00} at an online pharmacy and once for {$27.00} at XXXX. 

The remaining balance showing on line is {$13.00} but should be {$27.00}.

Almost immediately after filing the above captioned CFPB complaint, the card issuer responded that " we do not see any attempts by XXXX to reverse the charges from the purchase in question back onto the XXXX gift card ending in XXXX. 

This is COMPLETELY UNTRUE. 

Please see the 2 page screen shot from the issuers webpage which shows the following " failed '' CREDIT transactions which appear in GREEN INK on the page : WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) WED. XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) THURS XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED ) FRI XX/XX/XXXX PURCHASE CREDIT {$13.00} ( FAILED )
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for a Capital One credit card around XX/XX/2019 and a message popped up saying needed further reviewing. I did receive a email letting me know the process could take up to 7-10 business days. After waiting about a week, I called the number to check the status and the automated system told me that my application is still under review. After waiting 4-5 days, I still have not heard anything. After a week, I called back and the same recording that my application is still under review. I received an email letting me know that I needed to mail or fax over my ID and social security card in which I faxed over my Driver 's License, Social Security Card and a copy of my new lease agreement. After waiting another week, still no response back. I then received a a letter in the mail asking me to send in a copy of my ID and social security card. Again, I faxed over these documents with my lease agreement so they could have my current address. After a few more days, I kelp calling to check the status and the same results again. Today on XX/XX/2019 I called Capital One number at XXXX and spoke with a gentleman and explained to him my concerns. He asked me for personal questions and for my social security number, date of birth and my phone number. He stated to me that, he did see my application and he does have a copy of my driver 's license and social security card but never mention my lease I sent in. He said after reading the notes, that there was some information that didn't match and that I had to go back online to reapply. I asked him why if I'm going to be putting in the same information as the first time. He said, that's what the system is telling him. I asked what would be different and would it be another HARD INQUIRY and he said YES it will be. I was shocked of what he was saying to me. I never heard anything from them after 15 days and I had to call just for him to tell me that information. Why did I not get a letter are via email explaining that information to me? This is unfair action and I want something done about how I have been treated. I sent everything they asked for and more by sending in my new lease agreement and now they want me to REAPPLY adding a new Inquiry on my consumer credit file. That's not going to happen.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I ask Experian reasons & explanation why my Credit Score drop XXXX points when all my accounts are in excellent condition. My credit score was over XXXX. It been reported that there was a data breach, and 3 days later my drop XXXX points for no apparent reason!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, I had a late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

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. 

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 2017-03-23
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (SC)

Macy 's is charging a minimum interest even though there is no balance on the account at the time the interest is charged. I was told I need to make a payment on the interest charge while there was a XXXX balance I made a payment of XXXX ( XX/XX/XXXX ). I was assured by the rep that that would bring my account to XXXX and there would be no late fees/charges. A month ( XX/XX/XXXX ) later I was charged another {$2.00} which I didnt know about because I did n't check my account since I wasnt carrying a balance. I made a purchase in XX/XX/XXXX and went online to pay off my account. Found out there was a late fee and another XXXX interest for XX/XX/XXXX. This is ridiculous and beyond frustrating. The customer service rep I spoke to could not provide a convincing argument but removed the charges. Shame on you Macy 's. I am closing my account after 10 years of being a cardholder.
Consumer complaint received 2024-06-04
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.