davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I got a late payment on my mortgage in XXXX. Reason was i changed my bank account info and autopayment didn't trigger. Upon checking with XXXX they said i have to allow one month for autopayment to kick off and have to make manual payment for 1st month. I have multiple mortgages and never had any late payments for years. Because of this late reporting it dropped my 74 points off credit scores, which is very impactful. This could have avoided if : - There was warning during autopay setup alerting off this requirement -There was a letter sent indicating late payment ( all i kept getting was regular statement which never caught attention ) - There was call made to make aware. 


Understanding nature of issue, i request my late reporting to be removed from credit.Adding XXXX as they were original mortgage company, XXXX is servicer. 

Thanks
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/2021. Igot a call from Chase Bank asking if I authorize a transaction of {$9000.00}? I said no. They asked for my account number I told them I would call them back. I went into my account and seen someone had gotten into my bank accounts and made 4 transfers of {$25000.00} from my business and personal accounts. After going back and forth with the bank. They are telling me that I purchased a new device requested a 1time pin from the bank and made those transfers. I have not bought a new device and didn't make those transfers. I have also made a report thru the sheriff 's office in XXXX XXXX. Please help that is my retirement!!!!
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hello, I submitted a dispute with XXXX on XX/XX/XXXX regarding incorrect late payments reported by Santander on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MI)

this is on my credit report and i did not receive any documents regarding i owe PHOENIX FINANCIAL SERVICES ... I called XXXX hospital and they have no records of me owing them any thing ... please provide proof of what is owed,,, or remove from my credit records ...
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-05-12
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. (FL)

This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.
Consumer complaint received 2021-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

We applied for a loan modification and completed our 3 trial payments in a timely manner. Our final documents for loan modification were mailed in late XXXX, and we paid for a notary to complete service. PennyMac advised they sent incorrect documents due to minor capitalization error several weeks later, and the sent a mobile notary due to our inconvenience. Here we are 2+ months after the loan modification should have been finalized and Penny Mac sent revised documents due to another internal capitalization error and is refusing to send out a mobile notary for us to sign. I have contacted PennyMac over the phone at minimum 2x week over the past 2-3 months to ensure we are current and no additional action needed on our end. Their loan modification department is a mess and unable to properly advise.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Electric Solidus LLC (WA)

I transferred money into my swan bitcoin account but it was never used for Swan 's services ( purchase bitcoin ). I've decided I no not want to purchase bitcoin so I asked for my money back and was told that they can't. I don't believe the terms and conditions say a money transfer is irreversible. I asked that they mail me a check if an ACH transfer isn't possible and they declined.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc. (TX)

All of this took place on the Cryto.Com App. 
On XX/XX/2021, I attempted to buy XXXX XXXX, the crypto. After attempting, the app timed out and I was told that the transaction failed and was canceled. I tried 4 more times, attempting to buy, and received the same error. These were at XXXX, XXXX, XXXX, and XXXX XXXX  Central Time. I gave up and tried later at XXXX and the transaction went through, for XXXX USD. 

On XX/XX/2021, I checked the app and saw four purchases for XXXX were made on my account, at the same times XXXX XXXX  Central Time for varying amounts of XXXX : XXXX for XXXX USD, XXXX for XXXX USD, XXXX for XXXX USD, and XXXX for XXXX USD. I attempted three times at XXXX on XX/XX/XXXX to reach support through their automated system and received no messages or ability to call or email for support. The fourth time, I was told they would email me shortly and heard nothing. 

At XXXX XXXX  on XX/XX/2021, I attempted to sell the XXXX bought on my account, a total of XXXX XXXX for XXXX USD. But, when trying to move that money back onto my credit card, I was told the minimum was XXXX USD to transfer. I do not have that much on my Crypto.Com account, nor do I want to have to spend money to receive the money taken out of my account wrongfully in the first place. The company has not responded to any of my support requests.
Consumer complaint received 2023-06-02
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2021-05-12
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. (GA)

XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXX XXXX  in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX . Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, Transunion, XXXX, and XXXX  have failed to investigate.
Consumer complaint received 2021-05-12
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. (OH)

On XX/XX/2021, I pulled my credit report and noticed unauthorized inquiries. I contacted all the creditors on my report, they informed me I must contact my credit bureaus to notify them of unauthorized inquiries. I contacted experian, the company removed the inquiries. I contacted transunion and they refused to remove my inquiries, despite me repeating that I did not authorize these inquiries. The inquiries are as follows : -XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX -XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CARD SERVICES -XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am submitting this as I have been a loyal and long term customer of Kohls since XXXX. I have achieved a most valued customer status over the years for all the good business I believe have brought the company. I work in the medical field and XXXX have brought a different amount of stress, then factor in an unexpected, but the biggest blessing by far of XXXX. As the new year had come in, with a XXXX and managing to work through all the responsibilities of being a XXXX mother, it was brought to my attention that a Kohls payment had been missed. The soonest that I found out about it, I immediately paid it all off for {$190.00} which included all the fees. My concern and the reason for reaching out is because of the new family my husband and I are trying to raise, we are looking to purchase our first home. With the XX/XX/XXXX ( 30 ) day late penalty that was placed on my credit profile by Kohls, my FICO score have decreased over 100+ points. I have reached out to Kohls, but unfortunately there was no success. I must say that it was very disappointing given all the years I have been a loyal customer to them. I was hoping that my loyalty would be valued even just for this one time.
Consumer complaint received 2023-08-08
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

XXXX XXXX, XXXX XXXX " original creditor '' assigned a debt to LVNV Funding, LLC, who in turn retained the XXXX XXXX XXXX, XXXX, to pursue a claim against me for a debt that I have consistently maintained I did not open or authorize any person to open. The alleged debt is less than {$2000.00} ; however, the XXXX XXXX XXXX, XXXX refuses to accept my contention that I have been the victim of identity theft multiple times with different credit card accounts. I submitted a Debt Validation Letter to the assignee LVNV Funding, LLC and in response, LVNV Funding, LLC provided me with a bundle of account statements with much of the information redacted, thereby rendering their attempt at debt validation futile. Moreover, none of the documents provided bears my original signature. Neither creditor has provided, despite my request, a Credit Card Agreement or any document that bears my original signature, evidencing my request for credit. This fact notwithstanding, I was so overcome with high-pressure collection tactics and threats to damage my credit, I relented and made several payments to the alleged original creditor before I decided to take affirmative action to defend my good name. 
Please stop the high pressure collection tactics of this creditor and its lawyers. 
Thank you!
Consumer complaint received 2023-01-13
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights.

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
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I looked into my credit report and found 3 account listed under a collection with Midland I sent a validation or verification letter that I found within the CFPB website to get more information on XX/XX/XXXX in which Midland sent me a simple response and not even reporting the information that they provided to me to the credit bureaus. 

On XX/XX/XXXX I sent another letter asking for more information as this is still unclear to me what this is and how they are still reporting it. 

MIDLAND CRED ending XXXX Balance {$2700.00} Letter received showing Original balance is XXXX but is showing up as XXXX on my credit report with a payment of {$50.00} on XX/XX/XXXX. Which is not being reported and do not recall making any payment. They have not provided a Bill, My personal information or my social security number. 

Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me Same for account ending XXXX balance reporting XXXX with the original papers they sent to me say XXXX with payment done XX/XX/XXXX for XXXX. No letter from a creditor, no initial validation notice, no bill no nothing and also reporting information that is different than what they sent to me On top of that on my credit karma it shows they are increasing the balance by {$1.00} in the beginning of each month then decreasing it by the middle of the month. So the account is being refreshed and shows a new collection every month. 

This is completely illegal and violates all the rules for a collection agency and reporting for a collection account. They have not provided any information that is accurate on my report or to me. Nothing that proves this is mines and using deceptive methods to continue reaging these collections and want this immediately removed
Consumer complaint received 2017-05-03
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. (SC)

I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  XXXX  on  XXXX   XXXX    XXXX   and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I noticed a collection account by I.C. System on my credit report. I sent them a data validation to send me any contractual agreement information that I have with I. C. System. They are stating that I owe this alleged debt but I have no recollection of this company or account. To my knowledge, it is illegat to collect money for something when you do not have any legal standing to collect that debt. They are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. 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. By the inaccuracy they are reporting two completely different information to the credit reporting agencies. This is unfair practices and it needs to be removed.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

Equifax involuntarily released my, and millions of others, private information. This could potentially have a severly negative impact on my financial well being in the future since I am no longer in control of any of it. This happened in early XXXX, 2017 but could linger for years looming over me and others knowing we have been compromised.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I submitted a dispute with Transunion on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. The response I received from Transunion did not even address the dispute or questions answered.