davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax Has been reporting false late payments on a previous mortgage I owned for several years. I have disputed these false late payments multiple times. The original false late payments were during the time of the mortgage. Neither Equifax nor the mortgage company, XXXX could verify the false late payments. Instead of Equifax deleting the false late payments, they rearranged the dates of the false late payments. Equifax is now reporting false late payments in XX/XX/XXXX and XX/XX/XXXX when the mortgage was closed in XXXX. This is impossible. I reached out to XXXX corporate to ask them for help correcting this manner. I have enclosed the email XXXX sent me stating they will reach out to all XXXX credit bureaus to ask them to remove the false late payments. Both XXXX and XXXX have deleted the false late payments. It has been 52 days since XXXX contacted Equifax and 45 days since I contacted Equifax. Equifax has failed to delete these false late payments. These false late payments are preventing me from buying a house and I need them deleted immediately. Thank you.
Consumer complaint received 2024-04-05
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. (PA)

To whom this may concern. I recently disputed an error on my credit report it. There was a missed payment reporting on my credit report from discover back in XXXX of XXXX. I contacted XXXX notifying them about the problem they werent aware and told me that all of my payments were up to date. I was not notified about any changes on my report about the miss payment. Under 15 U.S. Code 1666b Timing of payment. 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 procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) I wasnt mailed a letter 21 days before my payment date nor was I notified. All of my payments are on autopay so it takes the money out of my account. I contacted TransUnion and XXXX about the problem they said that they will take care of it but never did I even sent proof that it was paid. I would like for this error to get fixed asap please and thank you The Account is XXXX  XXXX
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX {$810.00}. The original creditor is XXXX XXXX XXXX. This Is a medical collection this account is illegally reporting on my credit report. This is violating my privacy and HIPAA law please remove this from my credit report or you are opening yourself up for litigation.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XX/XX/XXXXREMOVE THESE INQUIRIES, I DONT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX FL. XXXX. 

XXXX XXXX XXXX XXXX, XXXX FL. XXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I looked into my updated credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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. (MO)

i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Sir/Madam, I am writing to express my profound dissatisfaction with the heartless and unprofessional treatment I have received from American Express during a particularly challenging period in my life. As a long-standing customer, I am appalled by the lack of empathy and support provided by your company. 

Unfortunately, I have been experiencing significant health issues recently, which have forced me to take a leave of absence from my job for a couple of months. During this time, I have diligently tried to manage my financial responsibilities despite my circumstances. Understanding the importance of maintaining my financial obligations, I reached out to American Express on XXXX separate occasions, explaining my situation and requesting a temporary arrangement to make smaller monthly payments for the next XXXX months. 

Regrettably, my requests were met with refusal, and I was persistently asked to make the full payment, which is currently beyond my capacity. I find this response not only heartless but also entirely unprofessional. It is deeply disappointing that a company of American Express 's stature would demonstrate such a lack of understanding and flexibility, especially during a time when customer support and compassion are most needed. 

I have always prided myself on being a responsible individual, striving to meet my obligations and avoid causing any inconvenience to others. The fact that American Express has shown no willingness to work with me during this difficult time is both disheartening and distressing. 

I urge you to reconsider your stance and provide a more compassionate and supportive approach to customers facing genuine hardships. Additionally, I believe that this matter warrants an investigation for potential consumer exploitation. The current approach taken by American Express is not only unfair but also fails to align with the principles of good customer service and support. 

I hope that this letter serves as a wake-up call for American Express to reevaluate its policies and treatment of customers in distress. I look forward to a prompt and favorable resolution to my situation.
Consumer complaint received 2020-04-07
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: CITIBANK, N.A. (FL)

I never opened this Citi Diamond Preferred card. My credit was in great standing, and before this card was opened fraudulently, I was making payments on time to all my creditors. Since this card was not open on my behalf, I couldnt make payments correctly, and Citi had to shut down the account which is now negatively impacting my credit score.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Nissan Motor Acceptance XXXX is reporting incorrect information on my credit report to all three credit bureaus. In fact, the information being reported is different on each bureau for example on XXXX they are reporting three open leases which were started in XXXX and XXXX but on XXXX and XXXX they are reported as closed. It is now the year XXXX which is more than 8 years laster and these accounts are falsely being reported as open by Nissan which makes no sense because what kind of auto lease lasts for 8 years? I will attach proof to show these accounts were being reported as closed to XXXX and XXXX but Nissan though it would be a good idea to leave them as open on XXXX and after disputing this with XXXX multiple times they simply take Nissans side because Nissan has bigger pockets than the average consumer who doesnt have millions of dollars like Nissan to pay XXXX to support their lies. I dont have any open accounts with Nissan and they have caused me huge financial problems because they are false stating on my credit that I currently have three open vehicle leases with them and I dont own any Nissans nor do I have three cars to my name.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Resurgent Acquisitions, LLC is trying to collect a sum of money I do not own them, never had a signed contract or agreement with them nor a a single business..

Resurgent Acquisitions, LLC is reporting false information on my credit report and has been harassment me over the phone.

I requested Resurgent Acquisitions, LLC to send me signed and dated documentation to my person and are refusing this, of course they don't have any legal documentation in their hands and just want to rip me off and or scam me.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

I had reported a credit card theft to the company. 
My credit card had skimmed in XXXX  and used in many online purchases by the thief including purchases in the state of XXXX. 
After filing the report and letting them know I couldn't have been the one to use the card out of state at the time. There is proof I was using it in my state of Texas at the time it was being used in XXXX. 
My stolen credit card information was used to pay for things like automotive insurance, purfume, food, etc. 

I waited a long time for the results of the investigation. 
the credit card company sent me a letter stating I was liable for all the fraudulent transactions because the physical card was in my possession. 

The credit card company charged me interest for the transactions The credit card company refused to allow me to speak with someone in charge The credit card company demanded payment during a second investigation. 
I have not received notice of a second investigation. 

Overall, my card was stolen via a high tech scheme to copy the information from the card and transfer it elsewhere, where it was used in a criminal shopping spree totaling over {$1500.00}. Not only did the credit card company blame me for this, they also provided no protections for me the consumer. I think this violates every card holder agreement the company has.
Consumer complaint received 2023-10-13
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)

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instruction.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/XXXX, XXXX 's debited {$53.00} from my Checking Account. There was no reason for me to have that amount. When I asked Chime about it, she denied it. I tried again, and again. Help!!
Consumer complaint received 2023-04-26
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-19
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. (VA)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : 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 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (IL)

They are overcharging me for a last payment for a loan that got superseded/absorbed by a new loan. I made the payment, {$55.00} ( when my monthly payments are {$100.00} ) and they deducted it. Now they say it didnt happen. When I specifically spoke with someone, ordered the payment outside of my due date for the XXXX monthly payment. And today I just got another call and I explained the situation, and they said that the XXXX went to the new loan. And want to charge me XXXX AGAIN. After i just paid my XXXX  monthly payment.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Someone Came To My Home Address Who Was Not Law Enforcement While I Was On Vacation & Handed This Paperwork To My XXXXd. I Am An Adult And This Is Very Intrusive For Someone Who Is Not A Sheriff To Give This To Someone Other Than Myself. This Is A Violation To My Privacy And No One Should Know All Of My Financial Information The Way This Was Given Away Without My Permission. They Also Did Not Tell Him Who They Were Or Why They Were Handing Him These Papers. Very Unprofessional.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (ME)

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they  have not attempted to do.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

I've experienced unauthorized transactions from my XXXX Checking account related to Best Buy. XXXX transactions of {$50.00} each have been observed, totaling {$450.00} deducted without my authorization. These transactions were recorded on : XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX XX/XX/XXXX with Check # XXXX I realized that when I received a supposed unpaid bill from Best Buy.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My husband became unemployed as of XX/XX/XXXX. I applied for mortgage assistance pertaining to this issue on XX/XX/XXXX as I was waiting for the state of texas to approve the unemployment claim for my husband. I uploaded all required documents. On XX/XX/XXXX I received a missing information letter from SPS requesting I upload XXXX payslips and 2 months bank account information I uploaded the same day. On XX/XX/XXXX I received a complete assistance package letter. On XX/XX/XXXX I received a missing information letter I received a request for XXXX again and a military leave earnings statement. I had already provided the paystubs and no one in our home is in the military. I uploaded a letter to that effect. On XX/XX/XXXX I received another missing information letter requesting the same information as on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received another missing information letter requesting bank account information, and I also received a call from SPS. I spoke with a representative- don't recall her name but she stated there were accounts showing transfers on the bank statements and those statements were needed. Except those accounts belong to my minor children and the transfers were allowance. I wrote a letter to that effect with the ending accounts numbers she had provided.On XX/XX/XXXX I then received a complete assistance package notice. On XXXX I received a missing information letter requesting the same information as as on XX/XX/XXXX. By then a new bank statement was available and I uploaded XX/XX/XXXX. I received another complete package notification on XX/XX/XXXX. And again on XX/XX/XXXX I again received the same missing information letter as on XX/XX/XXXX. I contacted SPS and asked to speak with the relationship XXXX and was told by the gentleman who answered he would leave a message with her. I asked if he could help. I explained I have provided the same information repeatedly and each time am again asked to keep providing it. He said he saw that everything was submitted and would send a message through. I also told him that the letters were generic and if there was some specific information needed it should be clear. On XX/XX/XXXX I received a complete assistance package letter. It is now XX/XX/XXXX and they have again issued a missing information letter. I don't know whether it is incompetence, a deliberate tactic to avoid offering assistance, or if there is some valid information missing. But they have delayed this to the point, where we are almost being forced to default vs working with us until my husband is back to work.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX