davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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. (MS)

I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.
Consumer complaint received 2023-07-07
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. (VA)

I'm not liable for this debt with XXXX XXXX XXXX. I don't have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract I requested. I haven't signed anything. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-11
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. (MS)

I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.
Consumer complaint received 2023-09-11
Product: Credit 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: Paypal Holdings, Inc (TX)

The payment was made with my credit card thru PayPal and the merchant refunded the money back to me due to no products not available and the PayPal debited from merchant bank account but PayPal not refund money to my credit card they are holding for no reason. 

My name is XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2023-07-07
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. (NC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX I noticed I had a collection from LVNV Funding LLC. The amount was {$4900.00}. They seem to have purchased a debt from XXXX XXXX. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

LVNV Funding LLC account # XXXX po box XXXX XXXX SC XXXX ph. XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I have XXXX going to XXXX in bill pay, below is what shows in my bill pay. I see the check was sent and deducted from my checking account today. See attachment. Is the XXXX going to be deducted again on the XXXX? 

XXXX XXXX View payment details to XXXX XXXX on XXXX in the amount of {$400.00} XXXX In Proces
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention the unresolved issue I have encountered with TransUnion regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. As a result, I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the corresponding corrections that need to be made : The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
The inquiry was not authorized Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NE)

XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My XXXX was compromised and someone accessed my bank account and was withdrawing money slowly so I did not find out of the hack. The hacker was withdrawing money around XXXX to XXXX when I was sleeping. They were buying something on a website called XXXX. The used an old ID to request loans that were denied thankfully. I contacted Wells Fargo to file a claim. They closed the case without even reaching back to me. They did not give any details of the claim, they just closed. I called them back because it has been a week since I first contacted them, and that is how I found out the claim was closed.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

There were charges on my account that i questioned. a Subscription to a magazine that I never read which was XXXX then there was another charge of approximately {$30.00} that no one at Citibank could answer. It took numerous phone calls for someone to do a XXXX search to find out it was some kind of protection service that I never requested that they just put on my card. Said I was not going to pay for something that I never ordered or requested. Filed a dispute, was told by several people that they can only waive 1 late fee a year, I said I am not paying for something that i never ordered and they said that lates fees would continue to accrue until it was resolved. Told Citibank that was ridiculous that no other credit card that I had a dispute with allowed late fees to accrue. Citibank has no closed my account, I now have late fees over over {$100.00}, they sent me a bill for {$110.00}, I checked my account on line and I can no longer access it since they closed my account. What this company has done is appalling. This is all their fault and I am paying the price for it.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir or Madam : This is the third time that we turn to you for assitance. The initial problem was an unrecorded mortgage. Through your help, XXXX XXXX XXXX recorded the mortgage in question ( see assignment of mortgage attached. ) Now the ultimate goal is for us to obtain a letter of satisfaction for the recorded mortgage. XXXX XXXX XXXX ( XXXX ) took over XXXX, which assigned the mortgage to Washington Mutual. XXXX finally recorded this assignment with the XXXX County Clerk 's Office ( XXXX letter enclosed ). Because JP Morgan Chase took over Washignton Mutual, XXXX stated that Chase will have to provide us with the Lien Release or Letter of Satisfaction. Please note that we refinanced we another bank and paid off the Washignton Mutual mortgage more than 10 years ago. The XXXX requested that Chase send directly to us the Lien Release in its original form. While we will be responsible for the recording fee, the XXXX indicated that they can immediately execute the release if we bring it in person. 
My wife and I want to acknowledge your tremendous help and getting this issue resolved. 
Yours truly, XXXX and XXXX XXXX.
Consumer complaint received 2024-04-22
Product: Credit 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 (NJ)

I ordered a XXXX from XXXX and went to return it. They sent me a label that I was having issues with and an email saying I had up until the XXXX of XXXX to send in the XXXX. They sent me an email on the XXXX of XXXX saying my case was closed without anymore explanation. Also to add to that, XXXX has a 30 day money back guarantee and I had started the return process on the XXXX of XXXX so I should have had until the XXXX of XXXX. Regardless I sent in the XXXX prior to the XXXX, the date they originally told me to send the XXXX by. The XXXX arrived and I will send proof of all of this as well. I was never able to get a refund from them and I contacted XXXX as I had paid with XXXX. I submitted the dispute wrong and filed it under unauthorized payment in misunderstanding and XXXX refused to refund me as well. I contacted my Capital One credit card bank to refund me and they gave me a pending credit which they took back and said they needed more evidence to respond back to XXXX. I submitted all the evidence and each time theyd tell me to submit more evidence for different reasons and that it was not efficient to respond to XXXX with until they finally told me that the case was closed and they will not be giving me any credit or refund.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on equifax.I check my equifax credit report my score was XXXXXXXX XXXX  employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXX XXXX XXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.
Consumer complaint received 2020-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (CA)

In XX/XX/2019 I obtained a {$5700.00} loan from Allied Data LLC DBA Personify Financial. My payments were {$190.00} every other week. My first few payments I made well in advance and they were not applied but returned, I had to call as I was getting harassing emails and phone calls saying my payment was late, when in fact it was early. 

Secondly, since XX/XX/2019, they are applying 100 % of my payment to interest and nothing to principal even the amount that I pay over the minimum payment of which I was told goes directly to principal. 
They said that interest is computed daily, so by not applying my payment correctly to both interest and principal, they are increasing the amount of interest they will be paid instead of correcting reducing the principal. 

I have called approximately 4 times over the past month to have this fixed and have been told each time someone will get back to me in 5-7 days, NEVER has anyone called back. 

Lastly, they incorrectly reported consistent late payments to the credit bureau and caused me a {$3000.00} additional rent deposit as a result.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Received letter from XXXX XXXX of transfer of servicing to Nationstar. Received letters from Nationstar on how to make payments to their company. Trying to make this payment was a joke. Kept transferring to a XXXX XXXX saying they had bought Nationstar. NO letters indicating of this transfer! We were concerned this was a case of fraud since we had not received any paperwork. Tried to make a online payment were going to charge us XXXX for making a payment. Tried going into XXXX XXXX using Nationstar loan number it does not exist. This is a mess having to go to the postal service to mail a payment and having it certified because I DO NOT TRUST THIS COMPANY. Also do they charge XXXX to speak to a rep as indicated on the paperwork! I 've never been late on a payment this is the worst servicing company!!!!!
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

Received a collection notice from Consumer adjustment Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. 

Responded to collector via US mail that I am not familiar with this debt and the debt is not mine. 

Requested verification of the debt be sent to me, no response from collection agency. 

Collection agency put a collection notice on my XXXX  credit report without verifying the debt.
Consumer complaint received 2023-09-10
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. (CA)

The following account is inaccurate and unverifiable. 
1 XXXX XXXX XXXX XXXX, Acc XXXX XXXX XXXXXXXX XXXX has remove this account from my credit report and I would like Transunion and XXXX to do the same.
Consumer complaint received 2023-02-16
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: Nationwide Recovery Systems, Ltd (AL)

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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the inaccurate information present on my consumer report, which all three major XXXX XXXX XXXX have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report. 

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity. 

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report XXXX am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX from the date of the receipt of this notice XXXX look forward to your response. 

Thank you