davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (NE)

Dear TransUnion, I am writing to follow up on my dispute regarding the misleading information on your website and the unauthorized payment attempt on my credit card. I appreciate your response that you have received my dispute and that you will take 30 days to investigate. 

However, as stated by the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand a response within 30 days. I am requesting an immediate resolution of this dispute, as the misleading information on your website, the unauthorized payment attempt on my debit card, and personal information dispute have caused me great concern and inconvenience. 

I hope that TransUnion takes this matter seriously and takes immediate steps to resolve this issue. I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I expect that TransUnion will take all necessary steps to rectify this situation as soon as possible. 

Thank you for your time and attention to this matter. I look forward to hearing back from you with an update on the resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
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. (CA)

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 XXXXXXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Collection Systems, Inc. (IN)

A few years ago I had a collection with XXXX XXXX XXXX XXXX. Once I became aware of the debt I contacted the company directly to make the payment and have this debt removed from my credit report. I was told I couldnt pay it directly and just pay the collection agency. I was further told once i made the payment and it was reported as paid they would remove the account find my credit report. This was over 4 years ago and its still showing on my credit report as a paid collection. Its listed as national credit management. Ive contacted each credit bureau in references to this error and to date it is still showing on my credit report. If the original creditor wasnt going to have this collection removed. Why did they tell me they would. Please help.
Consumer complaint received 2023-02-13
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: EQUIFAX, 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 2023-02-11
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. (MA)

Dear COMENITYBANK/VICTORI # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX TO XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, and being hospitalized, loss of a family member, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-09
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. (CA)

Equifax just announced a leak of personal information. Upon checking on their website https : //www.equifaxsecurity2017.com/XXXX, Equifax stated that I may have been impacted in this incident. I am worried that my identity will be stolen, & my quality of life ( of hopefully 60+ years ) will worsen and become intolerable as a result.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We booked a hotel room using our Capitol One Venture card Rewards points. When we checked out of the hotel, the hotel company charged us for the full amount of the room. We disputed the charge with Capitol One, however they refuse to refund the charge. I have been denied a refund several times so I asked Capitol One to restore my points back to my account if they werent going to refund the charge for the hotel, they have not done this either. I feel I am being taken advantage of as a credit consumer and feel it is my right to receive either a refund for being double charged, or my rewards points returned to my account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy. 

I have informed EXPERIAN with proper paperwork confirming the account with XXXX XXXX has been paid as agreed, but still appears on report as negative charge off. 

Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 

XXXX/ BENEFICIARY
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (NY)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, Wells Fargo misapplied the payment from the homeowner 's assistance fund I contacted them immediately showing them their mistake and they did NOT correct it. They started sending threatening letters claiming my account was delinquent. In XXXX they started harassing me at work with collections calls threatening foreclosure proceedings. In XXXX they kept harassing me and also started calling the owner of the company I work for and repeatedly harassed him about me and possible foreclosing on my house making him question me about longevity with the company. They charged me late fees then credited back without fixing the underlying problem they created in the first place. They denied my attempts to adjust my future payments by possibly removing mortgage insurance ( I have over 40 % equity in my house and my income is half of what it used to be ) because my account was behind in payments. They have unfairly prevented me from making modifications to my loan. They fixed misapplied payments in XXXX XXXX months and dozens of phone calls after I brought it to their attention.
Consumer complaint received 2023-02-10
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. (NY)

Account reappears as new Everytime my credit score goes up Took my score from XXXX to XXXX TransUnion stated it has insufficient information on these credit account And kept it as new and open ..since 2022 When these accounts are closed... 
Or paid off already Reoccurring Student Loan account For Approximately XXXX dollars That is paid for by the government Joe Biden
Consumer complaint received 2023-02-09
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. (MO)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XXXX XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (TX)

This collection agency sued me for a debt that is not my debt. Another collection agency had this same account, and sold it to Security Credit. Security Credit filed on my credit report that I did this in 2019. The other collection agency dropped it after I disputed that this is not my debt please remove. So, I wrote the letter after being served to the courts that this is not my debt. How this collection agency received my current information is because I constantly disputed this account that is hindering me from so many things with false information. I had to submit my ID and Social to  show that this account does not belong to me, and now they have my phone number and all of my personal information. Since I wrote the letter they are mailing letters wanting to settle, but I'm not settling for something that is not mine. I would like this removed from my credit permanently. Also, I would like the calls and letters to stop.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

These XXXX XXXX XXXX XXXXExperian Have refused to remove these fraudulent hard inquiries off my credit report. It is affecting my over all credit score. I have disputed these items over and over. And yet they refuse saying its valid but theres no proof .I have reached out to these companys who stated they have no records of me at all. I have attached my credit report as proof.I never gave permission to any of these companys to review my credit. XXXX XXXX is the only non fraudulent inquiry .All others are fraudulent. I do not recognize the following. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-13
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: WELLS FARGO & COMPANY (CA)

I have three accounts that are mine and they showed up on my report with a different address attached 1. Wells Fargo 2. XXXX account  and XXXX. XXXX account .These accounts are not mine and I want them removed.
Consumer complaint received 2023-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC (AR)

I received a loan for solar panels on XX/XX/XXXX. Per their documents in the disbursement section, they would not disburse the money until certain conditions were met. I remained in constant contact with the XXXX representative. I repeatedly inquired about when and if the system was going to become operational. Mosaic was aware that the system was not operational. Payments became due to Mosaic on XX/XX/XXXX ( {$210.00} ). I began to make payments even though the panels were no yet working. They proceeded to disburse the money to the installation company ( XXXX XXXX XXXX XXXX XXXX XXXX ) which is now no longer in service and can not be reached for comment. The money should not have been disbursed until the installation was complete and operational. I have opened 2 complaints. One with Mosaic on XX/XX/XXXX in which case they told me they would try to contact my installer. This complaint was closed by Mosaic on XX/XX/XXXX because they were " unable to reach XXXX XXXX XXXX to review ( my ) complaint ''. The other complaint was filed with the Attorney General 's office ( Public Protection Division against XXXX XXXX - XXXX XXXX XXXX ) and was accepted on XX/XX/XXXX. It is still an active complaint. I do not think I should be paying for a product that has never been operational.
Consumer complaint received 2023-02-09
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: Self Financial Inc. (PA)

Self Financial Inc, is reporting on my credit report file that I am late on payments which is Federally illegal to report also my right to privacy is violated. 

according to 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1681 section 602 States consumers have a right to privacy and they are not giving me any privacy by reporting my financial transactions to the public.
Consumer complaint received 2021-04-16
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: Experian Information Solutions Inc. (WI)

XX/XX/2021 - XXXX has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. Experian is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

Hello. I have been contacted by phone several times by Creditors Bureau USA for medical debt. I have spoken to my insurance company more than once about this and they do not see a claim from California XXXX XXXX. I looked up California XXXX XXXX and both my health insurance and myself have not been able to connect with them ( only endlessly put on hold or call disconnects ). I do not know what the services are. It is all very vague and I have yet to receive anything in the mail re : this supposed debt. 

Thank you.
Consumer complaint received 2024-03-07
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. (NM)

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 information is inaccurate.
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC (NY)

I have purchased a car using Carvana online. XXXX used XXXX XXXX. I received documents from loan servicer XXXX which I did not consent to. XXXX have been charging me excessive interest and fees for contract with no agreement. I became ill and was unable to work as of XX/XX/XXXX. Today my car was repossessed illegal by Carvana/XXXX in which they are demanding payment {$3000.00} before returning the vehicle. I refuse to pay this debt due to billing error dispute pursuant to 15 USC 1666a. I have the right to withold payment. The original contract stated the finance charge is the sum of all charges. Where does the additional balance arrive from?
Consumer complaint received 2024-03-07
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. (FL)

XXXX is reporting my score at XXXX. Which is correct as my identity has been compromised. Multiple request have been submitted to Experian and they have failed to complete a thorough investigation. They have failed to provide me with all measures they have taken to investigate the matter and still have not changed my credit score which has prohibited me from getting a car loan and being approved for a mortgage loan.