davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In   XXXX   XXXX   XXXX     I filed for Chapter  XXXX  Bankruptcy. I had  XXXX  tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but  XXXX  and Transunion have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter  XXXX  bankruptcy - when the bankruptcy is removed.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-17
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. (MD)

I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in the immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (NJ)

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 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 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 2022-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp. (GA)

On the date of XX/XX/2022 I paid the remaining balance of my debt to World Omni Finance XXXX Southeast Toyota finance and as of today which has been more than 45 days from the day that I have paid the debt that was supposed to be removed off my consumer report. however, it is still showing on my XXXX, XXXX, and XXXX report. Ive reached out to world XXXX XXXX to see if they could expedite the process, but they expressed that they couldnt do anything.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I believe USAA is carrying out illegal practices against its customers, like what is being committed against me. I had a balance of {$510.00} on XX/XX/2022, and I and made 2 payments for {$20.00} each and an ACH payment of {$150.00} made a few other payments while my account reflected a balance of {$270.00}, my account was charged 2 NSF fee of {$29.00} per item for a total of {$58.00} when my account had money in it. I ask the USAA customer rep to please explain that to me, and he said that the biller billed me for the day prior which was XXXX, XXXX. I told him that I do not have automatic payment and that I initiated that payment. I have never heard of such. By XX/XX/2022, my account was charged 2 more NFS fees of {$29.00} for each item for a total of {$58.00}. 

I want a full refund for the 4 NSF fee charged to my account {$110.00}! I would like for you all to investigate their illegal practices! 

USAA has responded and credited me back one NFS fee of {$29.00} and refuses to reimburse me for the rest that they owe me {$87.00}
Consumer complaint received 2023-02-22
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. (MO)

XXXX XXXX which is an affiliate of Equifax for commercial credit. However, I called to remove some item that has been fraudulently reporting on the behalf of XXXX XXXX XXXX XXXX. Alot the information has been furnished without permissible purpose & consent. XXXX XXXX apparently has a policy that they're unable to dispute such items which violate the FCRA & my consumer right to dispute. It is an invasion of privacy. 

Regardless of personal, commercial, daddies, uncles, little cousins etc. All Consumer Reporting Agencies must follow Fair Credit Report Act. Federal Law guidelines. Policy does not overrule law.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

XX/XX/XXXX - I called the Freedom Mortgage customer care phone number. They assured me they would remove the forced insurance because I provided my insurance coverage details. The representative 's instructions were to send a message through the website 's messaging service. 

XX/XX/XXXX - Freedom Mortgage replied that they refused to remove my forced insurance escrow amounts. See below. 

I XXXX not agree with these forced escrow amounts. Can you help me resolve this please? 

" Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/XXXX, regarding removal of the escrow account and insurance. We appreciate the opportunity to assist you and hope you find the following information helpful. 

The following insurance information is what we currently have on your account : Company : XXXX XXXX ( XXXX XXXX ) Expiration Date : XX/XX/XXXX Policy No. : XXXX Premium Amount : {$1400.00} We are unable to approve your request for escrow removal. The reason for the denial to remove the escrow account for the insurance is due to the lapse in coverage from XX/XX/XXXX, through XX/XX/XXXX, for {$230.00} and as a result, the account is escrowed for the life of the loan. 

To remove the escrow account, please provide proof of coverage for the lapse dates. Once proof of coverage is provided for those dates, we will forward to the insurance department to review for refund. ''
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC (SC)

On XX/XX/year> Fairway Capital Recovery applied a negative mark to my Credit ( XXXX, XXXX and XXXX ). I never once received any written correspondence from them informing me that I allegedly owe them. The first I was made aware of this was the negative mark to my credit. They are claiming I owe a XXXX debt to a fraternity, but Ive been graduated for several years now. I would like to know why they think I owe this.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

While in hospital and rehab for months last yr, was unaware of a different bank ( Comenity ) taking over my XXXX credit card and also that my automatic balance payment setting didnt transfer. After numerous calls and website messages trying to get late fees removed, I eventually just gave up and paid by check the balance they told me I owed, and closed my account because of how unhelpful they were. Check mailed XX/XX/23, not posted to my account for 3 full weeks. Now they are refusing to forgive the fees accumulated over that time. Two different reps told me they were unable to forgive the interest or fees, which come to around {$150.00}.
Consumer complaint received 2023-04-10
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. (FL)

TransUnion account internal locked. Why is this I cant access My credit report through Trans Union I have to use a third-party company which information is not possibly up-to-date or accurate. I feel like the company is Missusing and miss handling my personal information.
Consumer complaint received 2023-01-19
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: Bread Financial Holdings, Inc. (TX)

As soon as I received the XXXX bill on XX/XX/2022, I contacted the company and report this account was opened and charged with identity theft information. I have also reported to FTC and filed the fraud alert on my credit report. However, the company keeps sending me bills and charging me interest and late fees though I didn't have any agreement with the company.
Consumer complaint received 2023-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act Capital One Auto Finance, XXXX XXXX and 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BCI FINANCIAL GROUP, INC. (IL)

The interest being calculated on my account is not at 4.94 % interest rate that they are advertising, it is less. I called several times and no one will give me an explanation. They then told me to email because they couldn't give me any information by phone. This is something very simple to rectifiy and answer but so far, they have not communicated any answer to me why the interest is lower than the advertised rate. I assume my account is not the only account that has this issue and it appears they are advertising a high rate but then actually paying a lower interest rate than advertised in order to get clients, which is false advertising.
Consumer complaint received 2023-04-12
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)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I took a car out with credit acceptance about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.Credit acceptance reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and credit acceptance still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (MI)

My father was contacted and told I had a debt. They told him that he needed to inform me. Then they turned around and contacted my mother, who is not married to father and I have no relationship with. She was also informed that they were a debt collector trying to collect a debt and that they needed to get in contact with me. My mom was very upset as she said they were demanding and rude. They explained I owed money.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

We have a Bank of America Fundamentals Business Checking Account for our multi-member XXXX. One of the members and shareholder/my brother, had been following up with boA multiple times regarding a set of fraudulent transactions that occurred in XX/XX/2022. 
BoA did cancel our cards within 2 days. 1 ) However, they took forever to refund us the fraud transactions, and still haven't refunded them all to date. Due to this, we are being charged {$16.00} every month as low balance fee since XX/XX/2022. We are intentionally not adding more balance in the account in fear of more fraud activity. Until we receive our refunds, we can not add more funds. ( But they are still charging low balance fee ) 2 ) { 6 transactions on XX/XX/XXXX, XXXX on XX/XX/XXXX }. Out of these, transactions of 2 of the vendors were refunded on XX/XX/XXXX. But the remaining XXXX were never refunded to date, despite my brother 's multiple phone calls to follow up and request the refund.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (NJ)

Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX  XXXX Please update status to : open
Consumer complaint received 2023-08-22
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. (KY)

I have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (AZ)

I was notified by Experian that a hard inquiry hit my credit score immediately followed by a decrees in my credit score. I logged in and noticed that there was a Hard Inquiry from XXXX XXXX XXXX I happen to be a customer of this institution so I called their fraud department and notified them that this is fraudulent and to NOT approve the application. They informed me that someone applied for credit for XXXX XXXX and a cruise line. I have notified Experian that this is fraudulent and that I want the inquiry removed and they advised me to notify and report this to the FTC. I have not applied for any credit or loans of any sort nor have I had any previous issues regarding ID theft. I do want to prosecute if these culprits are caught. 

Contacted : XXXX XXXX XXXX Fraud Department on XXXX Contacted : Experian Dispute Department on XXXX Inquiry Date : XXXX Type Bank Credit Cards- Phone XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$710.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$180.00}.
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This date, XX/XX/2018 regarding online access to the Cabela 's Visa Card account that has been purchased by cards. I was on the phone with a XXXX card representative and then his supervisor fo over 40 minutes today, trying to arrange online user name and password to my account to obtain charges made and statement thereto. 

I was informed that I could not do that unless I enrolled in ONLINE BANKING with them. 
I refused to give them that access and therefore their policy is I can not view my statements or charges online. 

I believe this to be illegal coercion and want to file a complaint against XXXX 's practices.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NJ)

On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.
Consumer complaint received 2024-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( XXXX ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX