davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (VA)

I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX  and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX  XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. 
Thank you, for any help you can give in this matter.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Finance was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Society Business Services, Inc. (AZ)

On XX/XX/2017 I paid off my debt with XXXX XXXX XXXX XXXX/XXXX  over phone. The amount settled on totaled at {$1100.00}. It has been almost a year and the debt has still not dropped off of my credit report. The only information I have is the email receipt I got, with no contact information for XXXX on it. It states it was processed through a company called XXXX XXXX. Due to this issue I was unable to be involved with the purchase of me and my fiancees new home.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by Equifax. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my Equifax credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. I am perplexed as to why this fraudulent account continues to be reported by Equifax despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. Please DELETE this account : XXXX XXXX
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (TX)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, 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. (PA)

CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

I have been trying to log into Transunion for weeks and am unable to. Transunion does NOT recognize my name & SS # any more. ( Note that this is different from my first complaint ). Not when I try to log in to recover my account, and not when I try to create a new account ( as Transunion claims that it may be closed due to inactivity ). 

I followed the link Transunion provided in their response ( https : //membership.trueidentity.com/tucm/login.page ), and again... I entered my SS # twice and my last name. And when I click on " continue to next step '' Transunion simply takes me back to the previous page to enter my information. Yes I checked and double checked that I entered the information correctly- I did this numerous times. It will not accept my information and will not allow me to proceed. 

WHY DOESN'T TRANSUNION RECOGNIZE MY NAME & SS #???
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, 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)

On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (LA)

One XX/XX/2023 I sent in a dispute to have an alleged debt that was reported to my credit report validated. Since then I have sent out another dispute on XXXX XXXX being that they did not respond attempting to get a response once again and still nothing. According to FDCPA I have the right to request and receive validation of debt in which I still have not received!
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX charged my card for storage payments of {$2.00} per month for several months. I did not realize that they were doing this to a card that was paid off, with a XXXX balance and had no reason to be checking the paperless billing statement. During the month of XX/XX/2023, being ignorant of these non-approved charges for {$2.00}, I did not pay this XXXX charge and Fifth Third Bank recorded the {$2.00} XXXX charge as 30 days late. This got my attention. I paid it first in hopes of getting the charges reversed that were for at least XXXX consecutive months from XX/XX/2023 through XX/XX/2023. This month ( XX/XX/2023 ) after proving to Fifth Third bank the charges were fraudulent and not approved by me, Fifth Third Bank removed all charges and reversed the XX/XX/2023 late fee. However, the $ XXXX {$3.00} late fee is still showing on my XXXX credit file and all three major credit reports files with XXXX, XXXX XXXX XXXX AND XXXX XXXX Please have these $ XXXX {$3.00} charges removed from all XXXX credit reports ( XXXX, XXXX XXXX XXXX AND XXXX XXXX, asap as it has negatively affected my credit! PLEASE SEE ATTACHED DOCUMENTS AND SCREENSHOTS FOR PROOF!
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

XXXX store credit card when you pay the bill in full before the new the billing date they put a XXXX dollar fee on your acct because the month before when you paid your bill you did not pay it in full at least that was the crazy explanation the lady gave me over phone. My bill was due on the XXXX and was paid in full on the XXXX but they put this XXXX fee on my bill because of another time, because I did not pay my off my account the month before on the last billing. Its not an interest its a fee. I have talked to other XXXX card holders they have called and companied about this fee too. If you call get the pay off of the card and pay it in full you will get this XXXX dollar fee in the mail. I called and they lady wrote mine off but how many customers are they ripping off on the credit cards. Something needs to be done about a fee that should not be charged for no reason.
Consumer complaint received 2019-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (TX)

The exchange rate that Western Union ( WU ) quoted was very much different than the local rate where the money was picked up. I sent {$300.00} and WU paid out {$460.00} BAM ( XXXX XXXX BAM ). However, the local rate is XXXX BAM for XXXX XXXX Therefore, WU made XXXX BAM ( if sold at XXXX local rate ) which equals about XXXX XXXX plus {$7.00} fee. After all WU made about XXXX $ profit which is hefty 10 % on transaction. This is very unfair practice and I am not sure why/where is WU getting this exchange rates before sending the money. There are millions of customers who are getting scammed into this practice/pattern. For the same transaction, XXXX charges XXXX $ and the exchange rate is XXXXBAM for XXXX , which is the same as the local exchange rate. I understand that rates change daily, in minutes, and hours ; however, I think XXXX intentionally quotes the exchange rates very low in order to generate more profits. This is unfair and deceptive practice by which XXXX generates millions of dollars and tells consumer that they are charged only XXXX . 

Money Sent XX/XX/2019 - Picked Up XX/XX/2019 in XXXX. WU did not have reasonable explanation for a such huge difference between exchange rates.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

THE CHARGE OF {$530.00} DATED XX/XX/XXXX DOES NOT BELONG TO ME. I HAVE CALLED THE CREDITOR NUMEROUS TIMES IN REMOVING THIS AND I HAVE BEEN TOLD THAT THEY HAVE PROCESSED THE REQUEST TO HAVE IT REMOVED AND STILL HAVE NOT! 
CLEARLY THE CREDITOR HAS APPLIED THIS DEBT FRAUDULENTLY ONTO MY CREDIT AND KEEPS INDICATING THAT IT WILL BE REMOVED. I HAVE EXHAUSTED MY OPTIONS IN GETTING THIS RESOLVED WITH THE CREDITOR. MY CALL LOG IS AS FOLLOWS- XX/XX/XXXX CALLED TO INFORM CREDITOR THE DEBT DOES NOT BELONG TO ME XX/XX/XXXX CALLED CREDITOR, WAS TOLD IT WILL BE REMOVED XX/XX/XXXX CALLED CREDITOR. WAS TOLD IT WILL BE REMOVED XX/XX/XXXX FILED A DISPUTE WITH EQUIFAX TO REMOVED XX/XX/XXXX CALLED EQUIFAX AND WAS TOLD TO REACH OUT TO CREDITOR, WHICH I DID AND ONCE AGAIN WAS TOLD DEBT WILL BE REMOVED IN 30 DAYS. 
XX/XX/XXXX FILED AGAIN A ONLINE DISPUTE WITH EQUIFAX.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from Equifax shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX*** on my XXXX  report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show zero and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.
Consumer complaint received 2023-04-24
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. (NC)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Auto Finance Co (GA)

Safco Subject : Dispute Regarding Inaccurate Credit Reporting Dear Sir/Madam, I am writing to express my frustration and concern regarding the handling of my account by Safco. Since XX/XX/year>, I have been actively trying to resolve an issue concerning fraudulent and inaccurate information being reported on my credit profile by your company. Despite my efforts, the situation remains unresolved. 

During this period, I have taken several actions to address this matter. I have sent multiple letters requesting detailed information regarding the alleged debt and have specifically asked for the purchase agreement or contract demonstrating full ownership of the account. Additionally, I have reached out to your customer support team on numerous occasions seeking clarification and resolution. 

Unfortunately, despite my persistent efforts and repeated requests for validation, I have not received satisfactory documentation proving the legitimacy of the debt and confirming my ownership of the account. This lack of transparency and cooperation has not only caused significant stress and frustration but has also resulted in continued negative impacts on my credit score and financial standing.

I firmly believe that the information being reported by Safco is inaccurate and misleading. I have requested that your company provide the necessary documents to verify the ownership of the account and to validate the debt. However, to date, my requests have either been ignored or have resulted in inadequate responses that do not address the core issues.

Therefore, I urge Safco to promptly provide me with the following documents : 1. The original purchase agreement or contract establishing ownership of the account.

2. Any additional supporting documentation verifying the validity and accuracy of the debt.

3. A detailed breakdown of the outstanding amount, including any fees, interest, or penalties incurred.

Furthermore, I request that Safco thoroughly investigate this matter and take immediate corrective action to rectify the inaccuracies in the information being reported to the credit bureaus. I also request that Safco issue a formal letter of correction to the credit bureaus to ensure that my credit report accurately reflects my financial status. 

I trust that Safco will prioritize this issue and work diligently to resolve it in a timely and satisfactory manner. Your cooperation and prompt attention to this request are greatly appreciated. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

My wife and I turned in an application for a mortgage loan at BBVA Compass Bank on XX/XX/2018 and was told a loan officer would contact us to help us figure out which type of loan would be best for us to apply for. On XX/XX/2018 I received alerts from XXXX that the bank had ran my credit. I expected some form of communication from the loan officer. He never called or emailed us one time, yet ran the hard inquiries on our credit and denied us the loan, stating delinquencies on credit report. I have no delinquencies on my credit report. We then talked to the local bank manager later in the week to see if the loan officer would at least speak with us one time. We were told he would call us but he never did. We then called BBVA Compass corporate office on XX/XX/2018 and was told to call the Alabama Department of Banking. When we called the DOB, they said to email them what happened and that they would take the hard inquires off our credit since the loan officer did not even contact us one time, nor do we even know which type of loan he applied us for. We were told we would be hearing from them soon but it's been a week. We want to know why the loan officer refused to communicate with us. We want to know why this happened and why our application was looked over and if factors such as XXXX and low income played a factor in the loan officer 's refusal to communicate with us and take our application seriously. We believe we at least have a right to know which type of loan the loan officer applied for. We would like BBVA Compass Bank to know that we strongly believe we were treated very unfairly throughout the mortgage application process, and that we will seek legal counsel to find out information such as the type of loan the loan officer applied for, if need be.
Consumer complaint received 2019-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I had a credit score of XXXX or better. A charge to a forgotten XXXX credit card was never billed for 3 months. My husband found the charge while making payments on another account. We were never notified about the original charge of {$10.00}, that ballooned to {$23.00} in 3 months. The charges were eventually dropped with XXXX, but the damage is done with my credit. 
I now have a XXXX score. That is not fair. I've worked very hard to maintain any and all of my accounts.
Consumer complaint received 2023-04-23
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. (NY)

The Credit bureaus stated XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report unidentified the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.