davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (SC)

I have no known knowledge of this account. I am a victim of Identity Theft. I have reported this account to all XXXX  credit bureaus as fraud. I have asked this to be removed from my credit report, but yet have been removed. This has been ongoing for serval months.
Consumer complaint received 2024-07-06
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. (SC)

I'm very concern about my report being properly investigated. I've asked them to reinvestigate the account that I reported as fraudulent this is a very serious matter. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX without my authorization, or any permissible purpose as defined under the FCRA.
Consumer complaint received 2023-06-10
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. (UT)

XXXX XXXX XXXX AND XXXX IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Consumer complaint received 2021-09-07
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. (PA)

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, Transunion, and XXXX )
Consumer complaint received 2024-07-07
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. (NV)

Transunion has been informed by me a few times through disputes that they have incorrect information on my credit report. Each time I was told it was validated. This is the last correspondence before legal action will be made. I have the following accounts on my Transunion agency report that need to be removed due to them being now considered income. XXXX XXXX XXXXXXXX XXXX two accounts, XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX, along with XXXX XXXX XXXXXXXX. All of those accounts have been charged off and through the IRS charged off accounts are seen as income and income is not to be reported on any reports unless I agree or allow this to occur. There is also one account in collections XXXX XXXX. They are to be taken off my report for two reasons 1 ) I have no contract with them at all and I informed them that they were to cease and desist. 2 ) With my agreement with the past creditor it states they do not give my information out to third parties. XXXX XXXX would be a third party. Transunion did not help in taking off two inquiries on my report. ( I have no collection accounts ) as reported by other credit agencies and they all have to report the same this is an error. I will also attach the IRS law.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (TN)

This occurred on XX/XX/year>. My login credentials no longer work. A reset was unsuccessful. I tried to register again, and I'm unable to create an account on Equifax 's website. I received a message to call them. I'm XXXX and do not use a phone. This leaves me with no way to manage my credit with them.
Consumer complaint received 2024-07-09
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 disputed XXXX. Also stated accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Fraudulent accounts and Inquiries appearing on Credit Report. 


Accounts XXXX. XXXX XXXX {$71.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Dear XXXX, I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXXXXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Consumer complaint received 2024-08-18
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-03-13
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. (SC)

This is my follow-up 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 : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (CT)

Me and my husband bought the house in XX/XX/XXXX. We choose Navy Federal Credit Union XXXX  loan to bought the house. We told the bank we will pay XXXX downpayment. But we found when closing disclosure shows up, we didn't see the downpayment on it. So we asked the person who handle our paperwork why don't have downpayment on the document. First time she told us this closing disclosure not the current yet, she just tried to show us how much money we may to pay. Second time she sent us a new closing disclosure ; we find out she didn't put our XXXX downpayment again. so we ask her again what's the reason. She told us the downpayment won't showing on the closing disclosure because we have to tell our realtor and our lawyer on closing day. They will help us handle the downpayment. That's why when she sent us the final closing disclosure we didn't say anything. 
In XX/XX/XXXX closing day. We met our realtor and lawyer, we told them about we want to put XXXX downpayment when we buy the house. They so confuse and told us this is not their job. Bank have to put downpayment for us. So we call the bank immediately to ask her what's going on? She told as she makes mistake, Since we choose XXXX loan, we can't put downpayment on this loan. Even if we want to put XXXX downpayment, our monthly payment wont be change will still be the same {$2100.00} every month. That's why me and my husband sign the contract then closing. 

In XX/XX/XXXX, we just find out XXXX loan accept the downpayment and if we put XXXX down payment, we probably only have to pay around {$1500.00} on our mortgage. Which means the person who handle our case lie us. So we tried to contact with bank and fix their mistake. We ask bank to change our monthly payment and refund us the monthly payment different from XX/XX/XXXX ( about $ XXXX {$700.00} different if they didn't make a mistake ). But the bank only want to refund us the funding fee ( if they put our XXXX downpayment at first, we don't have to pay more then {$6000.00} on funding fee ). 

XXXX XXXX she is the person who handle our case ) told us the only way can change the monthly payment is doing the refinance. She told us the bank won't pay anything for us. 
So we spend more then XXXX for refringence to stop our lose. 

We feel very unfair to us, why the bank lie us and make a mistake then we have to pay for it? We probably lose more then XXXX now
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am writing to file a complaint regarding the denial of my credit application by Capital One. Despite having an exceptional credit score, my application has been denied three times without clear and fair reasons.

First Denial : Capital One cited that I had previously opened and closed a similar card as the reason for the denial.

Second and Third Denial : I received no clear reason for the second or third denial, which is causing significant confusion and frustration.

Despite my requests for a detailed explanation, Capital One has not provided sufficient information to justify their decisions.

I have reviewed my credit reports from the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and found no inaccuracies or discrepancies that would justify the denial of my application. 

I am seeking assistance in resolving this issue. I appreciate your attention to this matter and any support you can provide. 

Thank you for your time and assistance.
Consumer complaint received 2024-02-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DMB Financial, LLC (MT)

I did a debt relief program on XX/XX/2018. when contacting them with all my credit card debt, they created the program to Follow with how much each month I would have to pay and I agreed to it and they sent me the paperwork. After Receiving the paperwork, it had all the credit cards that we talked about. I asked them if I could just keep a couple cards off it and just do the rest. I was told yes that was no problem. She asked if i wanted a new program because i could pay less with new paperwork. she said if I kept paying the same amount, i could pay it off faster so i agreed to the same payment amount 2 credit cards with around XXXX debt that i wouldn't have to pay to them. They did remove both those cards from what i had to pay. 
I started my monthly payments and followed their program I was never late with any payments. They would call with a settlement and asked if i approved it. Of course i did because it was their program. They constantly gave me knew people to handle my account. One of them told me they were quitting because they couldn't stay for what they were doing to the consumers. I didn't know what that meant until the end. Even though I removed XXXX of credit card debt to pay myself, they called to say they needed to add more money to finish paying it off so i agreed and bumped it up another XXXX kept making my payments on time. then later they asked again for the second time to add more money to pay off the debt. Now I was wondering what kind of scam are they pulling because i removed XXXX dollars of debt from their program but agreed for another XXXX then i got a new person to work on my account. they said she got promoted to management. then they asked for another XXXX to pay off the lowes card. The lowes card only had a XXXX dollars to pay off. I refused to make this 3rd payment because they were already way over what they promised and finished the program. they soon removed the lowes credit card from my account and i paid everything listed on my account. 

This year I have a XXXX credit card that was in their program added to my credit report. I now have a debt collector wanting to go to court about it. So I talked to a lawyer and he recommended me to go this way first. Then if it does go into court, he will take it on and bring in DMB Financial to recieve all their documentation and communication.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOP Pioneer Partners LP (LA)

I requested the Louisiana XXXX Benefits and was told I didn't meet the requirements. This organization is very misleading to the service of the armed forces. XXXX XXXX and XXXX honored this benefit! Please look into this because they are known for taking advantage of soldiers.
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (CA)

U.S. Code 1692e. False or misleading representations Under Fair Debt Collection Practice Act A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. CLIENT SERVICES ON BEHALF OF XXXX XXXX  needs to make every reasonable effort to meet their consumers ' needs, ensure its practices adhere to all federal, state, and local laws, and act with high ethical standards and professionalism. As such, CLIENT SERVICES ON BEHALF OF XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I XXXX XXXX XXXX logged into my credit report and noticed a deceptive and suspicious alleged account on the credit report. This alleged account needs a thorough investigation 15 U.S. Code 1692g - Validation of debts Fair Debt Collection Practice Act All provisions. The Fair Credit Reporting Act, All Provisions including 15 U.S.C. 1681, Privacy Act, XXXX XXXX XXXX Dispute any and all alleged debt claims owed to XXXX XXXX. No debt collector shall collect or attempt to collect any debt alleged to be due and owing from a consumer by means of any unfair threat, but are not limited to, the following : Making false accusations to another person, including any credit reporting agencies, Threatening to sell or assign, or to refer to another for collection, the alleged debt of the consumer with an attending representation that the result of such sale, assignment or reference would be that the consumer would lose any defense to the debt or would be subjected to harsh, vindictive, or abusive collection attempts, Representing that nonpayment of an alleged debt may result in the seizure, garnishment, attachment, or sale of any property or wages unless such action is in fact contemplated by the debt collector and permitted by law are demanding proof in writing on this alleged account to ensure they are complying with the law. According to F.D.C.P.A debt buyers are required to notify you when they report negative information to a CRA, please under 1692g provide a purchase agreement so a true accounting bill can be produced as your practice violates the FCRA. Please understand I am not asking for proof of just name or address because that is not what is in question and in keeping in compliance I need full discourses and wet autograph providing permissible purpose of consent. XXXX XXXX XXXX is demanding delete/remove from all credit reporting agencies to avoid running this risk of not being creditworthy Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (SC)

I received a notice stating I was in default of {$2100.00} for an account ending in XXXX on approximately XX/XX/XXXX. I did not recognize this account and sent a letter dated XX/XX/XXXX requesting documentation of this account. Approximately 2 weeks later I was informed that the account was fraudulently opened and to sign their affadavit attesting to this. I mailed this response approximately XX/XX/XXXX. Today I received a letter dated XX/XX/XXXX informing me that the account ending in XXXX belonged to me based on identifying information they confirmed. I called XXXX for the Fraud Investigation Team and XXXX informed me that this account was in XXXX and that she could not see details and would forward a request to an investigation at Synchrony. I also took down my Fraud file # XXXX and an address to continue with my complaint. In looking through my XXXX bankruptcy documents filed in XXXX, I located an account # ending in XXXX for Paypal with the same disputed amount. I had not heard from this company in years which is why I was surprised to hear about a deliquent balance since I have worked very hard to limit taking on any debt I can't afford. I need your assistance in resolving this matter for a discharged debt that Synchrony/Paypal is trying to recover almost 5 years later.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TOWNE MORTGAGE COMPANY (AZ)

On XX/XX/XXXX, I called Towne Mortgage inquiring as to the status of my PMI threshold. The lady that I spoke with stated that I had reached the threshold back in XXXX and the PMI should have dropped off my monthly mortgage payment. She then stated that she would submit an request to the PMI specific department to investigate why it didn't drop off and I should received a reply within 48 hours. 

On XX/XX/XXXX, I followed up on the inquiry with another phone call to Towne Mortgage as to the status of the investigation. I was told the investigation was still ongoing and she couldn't provide me any more information about it. 

On XX/XX/XXXX, I sent an email to Towne Mortgage explaining that I still haven't received any updates to my inquiry. I received a automatic reply email stating that " someone from our team will be in touch with you in 2 business days. '' It has been several business days with no reply.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service (VA)

XX/XX/year>2024 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX District of Columbia , USA Subject XXXX Detailed Feedback on Response to US Consumer Financial Protection Bureau in Cases Involving Army and Air Force Exchange Service | EIN : XXXX and XXXX XXXX XXXX XXXXXXXX XXXX | EIN : XXXX in Connection With an In-House Credit Program, Brand Name XXXX XXXX XXXX  Third-Party Credit Card Receivables [ Complaint ID No. : XXXX ] To Whom It May Concern, Please find attached my detailed feedback regarding the response I received from the Army and Air Force Exchange Service concerning Consumer Financial Protection Bureau Complaint ID No. : XXXX, which I submitted on XX/XX/scrub> 2024, against the XXXX XXXX XXXX XXXXXXXX XXXX XXXX U.S. XXXX  XXXX XXXX  ). 

Although I am disappointed that the US Consumer Financial Protection Bureau ( CFPB ) was not able to forward my complaint directly to the leadership of the XXXX XXXX XXXX  XXXX XXXX for a response, I am grateful to the CFPB for referring my complaint involving the XXXX XXXX XXXX  XXXX XXXX, in connection with my billing and credit reporting disputes with the Army and Air Force Exchange Service, to the Federal Trade Commission on XX/XX/year>. Moreover, I appreciate knowing that federal government regulators entered my complaint into the XXXX XXXX XXXX, a secure online database operated by the US Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including CFPB investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. I believe a comprehensive investigation into my claims will reveal systematic wrongdoings in accounting, billing, servicing, collection, and credit reporting practices. 

This document outlines my ongoing billing and credit reporting disputes, specifically addressing the completeness and/or accuracy of the third-party credit card account receivables, the validity of the furnishers legal name, misapplied payments, fees charged, past due amounts, and interest charged, as reported. 

Thank you for your timely assistance and consideration. 

Very respectfully, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Ret . ) Citizen of Indiana state All Rights Reserved without Prejudice Copy to : United States of America XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX District of Columbia , USA United States of America XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana, XXXX United States of America Army and Air Force Exchange Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX