davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX EXP DATE : XX/XX/23 CVV : XXXX
Consumer complaint received 2017-12-16
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: Experian Information Solutions Inc. (DC)

I have several credit inquiries from multiple companies on XXXX XXXX, XXXX. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did XXXX all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX 

Experian replied to a recent complaint references a different account that was open by my on the XXXX for a personal loan. These inquires are not with the company I acquired my loan with and I did not authorize them. I request Experian to validate again these inquires as they are not open accounts and were authorized by me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

MY DISPUTE IS WITH ( XXXX XXXX XXXX ) CREDIT CARD COMPANY, ( COMENITY CAPITAL BANK ) AT XXXX XXXX XXXX XXXX, OH XXXX ON MY XX/XX/XXXX BILLING STATEMENT IT SHOWED- PREVIOUS BAL.+ XXXX PAYMTS XXXX other credits XXXX purchases XXXX other debts XXXX fees charged XXXX interest charge XXXX new balance XXXX On XX/XX/XXXX or XX/XX/XXXX I paid this balance in full XXXX It shows in this XX/XX/XXXX month statement I am already paying a accrued interest fee of XXXX So when I paid off the amount in my XX/XX/XXXX statement of XXXX before the actual due date ( XX/XX/XXXX ) I do not expect any additional cost... but because of this misrepresentation my account was charged additional XXXX which then was reported late on my credit report as XXXX LATE PYMTS!!! 
I have ( XXXX ) late charges in the last XXXX yrs,, This XXXX charge has disrupt my diligent efforts to keep my credit in good standing... 
My QUEST is to have these late payment removed from my credit report, I feel rightfully to do so The closing date for this billing was XX/XX/XXXX payment was made in in full in less than 25 days,, actually was 12 days
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (GA)

I called Workout Anytime to cancel my membership, I paid all off my fees that were owed per the customer service rep. Then I got a phone call from a collection agency stating they were trying to collect a debt from XXXX XXXX. I called XXXX XXXX and asked what was going on and thy said that fee was a cancellation fee. I asked why didn't they tell me about this fee at the time of cancellation. She said she wasn't sure why I wasn't told about the fee. I paid the debt off with XXXX XXXX about 5 months ago but the debt collection agency is still reporting to my credit.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (IL)

Vance and Huffman Llc continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX  and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX 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 2023-10-16
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TN)

I recently reviewed my credit report and I noticed some things that were wrong and other things that are not mine. My only name is XXXX XXXX, my only ADDRESS is XXXX XXXX XXXX XXXX, TN XXXX, I have never worked at SOCIAL SECURITY ADMINISTR CHILD SUPPORT. I see XXXX collections that are not mine and need to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXX. also these inquiries are not mine : XXXX XXXX and XXXX. Please help me!!!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

Earlier today I received a notification that my credit score dropped by XXXX points. When I checked my XXXX report, I saw an entry, dated XX/XX/2023 from LVNV Funding, LLC, a company I have never heard of before. I clicked on a link to gather more information and there was none. Just an amount ( {$1800.00} ) and the companys name. 

I have had no correspondence from this company and I do not know what this is about. Moreover, I was not given an opportunity to do anything. This is XXXX 

I am attaching screenshots of the information in my credit file. It says its a collection account, but it doesnt give any information about the underlying debt. This is utterly ridiculous. Companies shouldnt have the ability to just make entries to your credit report just because they want to.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

In XX/XX/XXXX  I took out a Loan for XXXX $ from Titlemax. The amount i was to repay was under XXXX . I Refinanced it in XXXX but online was given the option to get more money, There was no mention of switching locations OR that the terms of my loan would change. The New Loan had a different financial institution. Originally it was XXXX XXXX, and then it went to XXXX XXXX. When i spoke to the initial office i signed my paperwork with, they stated it was a due to the location of the Titlemax office and that my loan. I asked if it could be switched back and i was told no. XXXX  Charged me XXXX to payoff my loan with the other title max location and my total loan was under XXXX $ it had only been 30days. In My new paperwork in XXXX showed that i financed over XXXX . And my first payment to then was over XXXX $ in interest and my original payment was under XXXX. My paper work showed my payoff was around XXXX. In XXXX or XXXX i paid around XXXX $ and my balance for the past 6months has stayed around XXXX . the monthly fee charged is XXXX.to XXXX  and the interest to title max is under XXXX  . In XXXX XXXX letter came from XXXX that they could no longer provide me financing due to my credit score. They run credit every time they refinance their existing loans. So i asked for information from the Titlemax office on who is my finance co. And would not sign the refinance paperwork. I did however make my payment. Today at XXXX XXXX  my car was towed out of my driveway of my private residence which i have since learned is not allowed in Texas. I was not provided any documentation telling me who picked it up and where i could retrieve my vehicle from. When i spoke to the title max office 2 weeks ago i was told i was past due because they are still charging me interest on my XXXX payment due to non signing. This is twice this has happened. My currently balance is almost XXXX $ higher than 2 weeks ago. I have not been able to get anyone on the phone with the title max office to find out how to retrieve my vehicle. I had to walk my daughter to school this morning, and will have to walk to pick her up. 
in XXXX because because
Consumer complaint received 2023-10-16
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

This has to be the worst bank I have ever had in my entire life of living and I havent been on this earth for that long. This whole XXXX has been a horrible experience with this bank. Beginning of the month cash was withdrawn from my account and I had to go back and forth with these people to file the dispute. Just to file the dispute, the branch office the people that work online and over the phone all told me different information. I felt like a chicken running with my head cut off because all of the information was conflicting. On XX/XX/XXXX they finally completed the investigation and then gave me my money back. But then guess what? My account is frozen. So I cant access the money that was taken from me. Its so funny because its like BMO basically stole the money back. That is so crazy. I then talk to the fraud department she said oh your account is frozen because of an altered check she said did you deposit I said yes she said oh your account is getting closed it will take 3-4 weeks to get your money. WOW. Didnt even ask for an explanation. I do party planning and decorations. The check was from a client for the remaining balance. I trusted this client as they also paid through XXXX  or cash but they said their account would not let them send it through XXXX  due to the limit and that they didnt want to get that much cash out so I allowed a check. I didnt check it because why would I check it from someone I trust. XXXX and behold the check is Altered and I have no access to the funds I already had and now I also lost out on the {$4000.00} I was supposed to be paid for the decorations. Now I have to go to small claims court for my money. Then I called your back again today the dude says oh you have to go to the branch your account is not closed its just frozen. You have to go to the branch to get your money and then we can close it. So then I called the fraud department again because this isnt what I was told yesterday. The lady this time says oh we are still investigating in whether or not we want to close it but you cant access your money. XXXX. Like do yall even know whats going on at yall bank. Every minute Im being told something different but I know one thing I STILL CANT ACCESS MY FUNDS. You guys want to close my account fine I really dont care I just want my money especially with the holidays coming up. I already have enough going on I dont need the extra stress that you guys have already caused. This is beyond ridiculous. My updated phone number is XXXX
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

This complaint is submitted by XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) regarding a prior XXXX client, which is Fay Servicing 's current mortgagor. XXXX informed Fay Servicing in XXXX that we were no longer representing the prior client. XXXX asked Fay Servicing to send the prior client their mortgage correspondence, instead of XXXX 's office. Fay Servicing has continued to send XXXX the prior client 's correspondence. This appears to be a delay tactic in providing Fay Servicing 's mortgagor with information they are legally entitled to in a timely manner.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NJ)

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

On XXXX XXXX XXXX I tried to log onto my XXXX XXXX morgage site to make my monthly payment like I have done every month.  Keep getting a message something went wrong  please try again later. I called the morgage company personally and let them know my payment is due and can not make a payment the lady on the phone said everything is down we can not access your account I will make a note u called.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-17
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I signed up for the Capital One Venture card because of it's benefits to use miles/reward points with partner travel airlines XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. ). 

When I try to use the " convert rewards to partner airlines '' feature, I am put into a XXXX loop that never works. When I click " Convert Rewards '' I am sent to a XXXX page that asks for my phone number. I then input my phone number. The system then tells me the number I have entered does not exist on my account. Even though the phone number clearly does exist on my account because I have XXXX enabled on login, that works just fine. When I try again, the system pops up an error that says call customer service and they will be able to fix my issue. When I call customer service ( I have called 3 times now ), nobody is able to fix my problem and I am told it is a " known issue ''. When I call customer service I am told they can't do anything to help me, don't offer a timeline for the fix, nor provide compensation for my flights increasing in cost while their software is broken. 

I believe Capital One is intentionally creating a " bug '' for users when trying to convert miles to partner airlines. All other travel reward functionality works just fine. XXXX works just fine on my login and other parts of the app. Capital One tells me to use their travel portal instead. Booking through their travel portal my flight is XXXX miles. Booking through the partner airline is XXXX miles. It would make a lot of sense that Capital One intentionally restricts this functionality as users get a much higher $ /Mile ratio sending miles to partner airlines versus spending miles on Capital One 's XXXX XXXX.