davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-09
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. (GA)

XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX Equifax : 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
Consumer complaint received 2023-04-18
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. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-09
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I sent a letter explaining the situacin, they just dont want to removed or accept my goodwill adjustment. This is the first time I will get a goodwill adjustment with them and ever in my life! 

My credit report shows I missed pymt on XX/XX/2020, we were going through a PANDEMIA!! My family was at the board of death really scary and hard times Please I just want a goodwill adjustment
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, I was pickpocketed in a night club in XXXX around XXXX, and my credit card, debit card, driving license, green card and XXXX were stolen. I only noticed the cards being missing around XXXX when I woke up and I immediately called to cancel them. XXXX XXXX refunded the amounts that were charged from my cc but TD bank ignored all my requests to refund the amounts that were charged on my debit card, claiming the thief had my passwords which is complete none sense. The thief also took money from the atm and I am very mad on TD for allowing it happen and then blaming me for it. I have filed a complaint with them 3 times and each time was denied without explanation and I had to approach them again to know that I was denied. 
The total amount that was taken is XXXX $ which is huge for me and was almost 80 % of what I had in my account. I filed a complaint at the XXXX XXXX police but unfortunately they didnt start to investigate and the bank didnt care.
Consumer complaint received 2018-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

I was looking at my credit report tonight, through XXXX XXXX XXXX XXXX Tax Identity Monitoring and found a listing from XXXX XXXX XXXX in the amount of {$72.00}, opened XX/XX/XXXXand last reported on XX/XX/XXXX. I have no idea what this is from, as I have NEVER received any information about it over the phone, e-mail, or in the mail. I have read all kinds of complaints about this company. They are ruthless and unethical, even illegal. How can they still be in business?
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

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 informationisinaccurate.
Consumer complaint received 2023-10-09
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a balance of {$640.00} on my Bank of America prepaid card from XXXX. went to withdraw from the atm but my balance was {$0.00}. I called the bank they told me my balance is {$0.00} because I withdrew {$640.00} on XX/XX/XXXX, in XXXX CA on XXXX XXXX XXXX. I explained that on that date I was not in the country. they asked me to prove that I was not in the country. I sent them a copy of my flight ticket that shows I was in XXXX on that date. my card was with me in my wallet On XX/XX/XXXX, they sent me a letter that they received my claim. 
on XX/XX/XXXX, they sent me a letter my claim was denied. 
thank you
Consumer complaint received 2023-10-09
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. (NY)

I am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX at XXXX XXXX After viewing my Equifax Credit Report I found information that was inaccurate and incorrect. 
Equifax Confirmation # XXXX Here is 5 years later and after viewing my Equifax Credit Report XXXX # XXXX XX/XX/XXXX the same inaccuracies still are reporting incorrectly.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX  XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX TransUnion report I talk with XXXX XXXX and they said they have no information also I spoken with TransUnion they tells me to call the police and XXXX XXXX is not helpful at all
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XX/XX/XXXX I made a mortgage payment to SLS Mortgage online. They bought my mortgage & I was due to make my first payment to them beginning in XXXX. I made a payment for {$2300.00} the amt for my XXXX payment. It cleared on XX/XX/XXXX. On XXXXXXXX XXXX XXXXXXXX I received an email from SLS stating that my payment was returned. So I called SLS & they were trying to tell me that yes it was returned & I can clearly see in my account that they received XXXX payment. SLS TELLER told me again it was returned so I called my bank on my other phone on speaker. The bank tells me that yes the payment cleared but SLS tried to take out another payment in XXXX. So basically they tried to take 2 payments in XXXX when I only was paying one.
Consumer complaint received 2022-12-07
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)

In accordance with the fair credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

I have been dealing with IC Systems for at least 10 years if not longer. I had XXXX XXXX and I have been paying on that and other medical bills since 2012 or so. I pay them {$75.00} a month as I have been for roughly 10 years. That equates to at least {$9000.00}. I don't know what I owed originally and what has been added to it. But from what I understand, once a debt is sold to a third party company they are collecting a debt they purchased. I feel as some point this payment needs to stop. I do not have the means to pay {$75.00} in perpetuity. Shouldn't this debt be satisfied yet?
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I recently submitted a separate complaint regarding Captial One 's disinterest in working with me to catch up on late payments as a result of the ongoing COVID-19 pandemic, and to design a payment plan which I could afford and use to get caught up. 

In that complaint I mention, several times, that Capital One asserts through their email messages sent to me that I have payment options available, and that they are 'willing to work with [ me ] ' or that they want to 'work on [ my ] account together '. Also in that complaint I detailed how this marketing is clearly misleading and not applicable, as I have been denied these supposedly-available payment plans every single time I call their customer support team, as these emails which I receive continue to 'encourage " me to do. 

I received another email today ( XXXX XXXXXXXX XXXX XXXX PST ) with a stock photo graphic of a man shaking someone's hand and the text, 'We 're on your side, ' on the left side. Beneath this is text which reads, 'Together, we can get your account back on track. ' Below that is the usual content of these emails, and finally at the bottom, we get this text, 'oure our customer, and we want to provide you with payment options tailored to your needs. ' Again, a clear falsehood as applicable to me, yet they keep asserting they are willing to work with me ( they are not ) and that I have payment options ( I do not ). The email closes with the line, 'Well always do our best to work with you. ' Again, a falsehood.

Capital One has been given multiple opportunities to assist, as was described in my recent complaint regarding 'struggling to pay my bill '. The company 's low-effort, canned response made it clear to me that, no, they are not actually willing to work with me. They continue to shove this marketing down my proverbial throat despite their records showing that I do not have options through Capital One. We already went this route. Twice. Both times resulted in zero tangible assistance. 

This is now my second complaint about this company, albeit now for a completely different reason. I am not sure I have ever encountered a so poorly coordinated financial institution. XXXX doesn't have this problem. XXXX XXXX doesn't have this problem. My credit union doesn't have this problem. So, why is all of this so difficult with such a large corporation who should have the resources for cutting-edge CRMs and data storage? 

An attorney is being consulted regarding this ongoing harassment, potential violations, and continued assertions of services available that have been confirmed multiple times to not be applicable or available. 

Edit : I just received yet another one of these emails while typing my response to the fair resolution section. On the XXXX XXXX XXXX XXXX  PST, 34 minutes after the one mentioned above. Unbelievable...
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (GA)

This is my MANY attempts that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Mohela should be put out of business ASAP! Horrible and incompetent reps who give you bad info, no info, oe simply hang up you. You have to listen to 10 minutes of directions s when you call, just to be put on hold for 2 hours and speak to a rep is no help at all. I've called, sent letter, and sent messages through their portal. It's mentally and emotionally exhausting. Most items are time sensitive, yet they intentionally make it hard to get help. 

I used to be with XXXX XXXX and they had me fill out an opt out form called " School Related Deferment Waiver Form ''. It is attached to this email ( uploaded form/doc ). Unfortunately, although they told me on the phone they received it, it somehow is on and off on my account. I asked to be on forbearance due to economic hardship followed by my XXXX XXXX XXXX going through multiple surgeries a couple of months after submitting this form. There NEVER should have been any automatic updating to in-school status. I was a single mom very adamant about communicating my needs with XXXX and disappointed this wasn't taken care of. 

I just got off the phone after being on hold for 2 hours and then was hung up on by your rep. She also had no clue about consolidations, buyback process, nor forms being uploaded. I assume thats why she hung up. 

Looks like the had it correct from XX/XX/XXXX through XX/XX/XXXX. It then dropped off again from XX/XX/XXXX all the way through XX/XX/XXXX. It shows up again XX/XX/XXXX through XX/XX/XXXX and one last time from XX/XX/XXXX through XX/XX/XXXX. 

I am requesting that the following periods of in-school deferment for all of my loans be waived/adjusted and instead retroactively placed in economic hardship as originally requested per my original waiver form sent XXXX ( attached ) as originally requested : XXXX through XX/XX/XXXX ( 10 months ) XXXX through XX/XX/XXXX ( 3 months ) XXXX through XX/XX/XXXX ( 10 months ) Thank you so much.
Consumer complaint received 2022-12-07
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. (NY)

I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account corrected : XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2023-04-17
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (NJ)

I paid this credit card off in XXXX. I received a letter in the mail stating that they are closing my account. The reason on the paper I received was that I had to many credit cards. 
I have never been late on any of my cards. Now they are going to ruin my credit bacause of what? How are they allowed to put a bad mark on my credit when I was never late and the card is paid off?