davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have an auto loan with XXXX for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted XXXX to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my Transunion credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

I made a complaint with the XXXX in XXXX and was told after several responses back and forth from chime that I needed to file another dispute for the claim in regards to providing more information so I did. Not even 24 hours later from the time I submitted the claim an email being denied the dispute yet again. I didn't even get a chance to submit my documents or anything. I know they did not have the opportunity to even investigate the claim as they are suppose to do. I received an email today with the " documents '' they stated they used in order to determine the outcome to my dispute and they didn't even use anything as they are suppose to contact merchant and get other type of information in order to settle. I've attached the documents of the only thing they've seemed to use the items attached to the email they provided me stating that these are the documents they used to determine my claim. The customer service representative also that took my call filing my claim over the phone also provided false information as to asking questions in regards to filing this claim stating I didn't have no documents for proof. They also haven't actually looked at the documents that I've provided every time I file this dispute over the charges because they will see that not only does the account linked to my chime account is not my account that I provided proof from. Also the fact that when I got access to my chime account again they didn't see that I had to change the phone number address and email associated with my account since it wasn't correct. I've never had another address than the address I have now. Also attached is the linked bank account as well as proof it isn't my account.
Consumer complaint received 2023-09-11
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. (GA)

Over 2 months again I sent a notarized certified package to Experian to remove all the extra names addresses former jobs from my credit report. Also in the packaged was a copy of my current drivers lic. with my current address and my phone number and a copy of my social security card for verification. I didn't get any response, none by email, mail, nothing from them. As I pulled my credit report XX/XX/2023 the information is still on my report.at this time I an looking for monetary result since this company has slandered my reputation and defamed my character.
Consumer complaint received 2023-04-22
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. (CA)

This is my eighth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2022-11-15
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. (MO)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if you do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2023-05-18
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX  XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.
Consumer complaint received 2020-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Escrow Balance : IS {$2600.00} I HAVE ASKED SHELLPOINT MORTGAGE SERVICING TO PAY INSURANCE OUT OF ESCROW I HAVE ALREADY PAID {$1300.00} .THE PAYMENT IN THE SUM OF {$2100.00} TO INSURANCE COMPANY THE PAYMENT IS DUE BY XX/XX/XXXX AND {$450.00} PER MONTH GOES INTO ESCROW EVERY MONTH.XX/XX/XXXX TAXS BILL ALREADY WAS PAID.THIS IS THERE RESPONSE : Thank you for contacting Shellpoint Mortgage Servicing. 


Your initial inquiry was sent to the Insurance Department and is still under review Please know that although your request may be completed sooner, it can take up to 30 business days for your request to be fully reviewed, processed, and completed by our Insurance Specialists. Once completed, someone will respond to your initial inquiry. If you would like to check on the status of your request, please call us at the number shown below for the most up to date information, as the account will be updated once it has been reviewed. 

If you need further assistance, please call our customer service department at XXXX. 

Thank you, Loan Servicing Department Shellpoint Mortgage Servicing XXXX ( p ) XXXX ( f ) XXXX
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capital One Venture Rewards because Im looking for a simple to use card for my upcoming travels. I have excellent credit and income. I have steady employment with the XXXX I did the pre approval first and I was pre approved for a few cards, so I decided to go for the Venture Rewards since I saw they have an offer if you spend {$20000.00} in a year which is ok with me. After I applied I was told my application was denied with no explication. Theres no phone number to call or discuss the application with anybody. I feel like Capital One took advantage of my by telling me I was pre approved for the card and then checking all 3 credit bureaus and denying my application without anybody even looking at it.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance One, Inc. (WA)

Called me at XXXX XXXX on XX/XX/24 from : XXXX Violated FDCPA by refusing to disclose they were a debt collector at all, even after asked multiple times, and only told me the name of the company after I asked instead of when initiating call. Got increasingly aggressive with me just for asking who the company is and what they do. 

Phone call was XXXX seconds and consisted of generally the following : AO : Hello, is [ name ] available?

Me : Who is this?

AO : Alliance One. Can I talk to [ name ]?

Me : What kind of business is this?

AO : *Increasingly aggressive tone* We're a financial company. I need to speak to [ name ]. 

Me : Ok, but what kind of financial company? 

AO : *Even more aggressively* This is about a private financial matter. I need talk to [ name ].

Me : Well your company name and what the company does is matter of public record. Do not contact me again or I will pursue legal action.

*I ended call*
Consumer complaint received 2021-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

This is the second complaint I have had to file in regard to the servicing of my mortgage through Loancare on behalf of XXXX bank. This complaint ties into the last one, as they straightened out my account only to throw it into turmoil months later. Loancare took over the servicing of my loan in XXXX ofXX/XX/XXXX when the transfer occurred, I was coming out of forbearance, I had applied for and been approved for deferment. My husband and I accepted and signed the partial claim through HUD in the amount of {$10000.00}, this was sent back to XXXX on XX/XX/2021. For some reason LoancareXXXX never processed my paperwork, after fighting with them for months they finally located my paperwork and filed the claim. They recorded the partial claim in XXXX XXXX on XX/XX/2021. While I was fighting to get them to process my original paperwork, Loancare decided to send me 2 more deferment packages each one with different amounts. I refused to sign these packages as I had already signed, and they had recorded the original in the amount of {$10000.00}. They keep calling and sending emails regarding the second and third packages, they did not seem to understand that a claim had already been processed. In XXXX of 2021 they seemed to finally have everything straightened out and we felt the whole mess was finally behind us, boy where we wrong! On XX/XX/2021, I received a letter stating that I was 8 months behind on my mortage ( this is not correct I pay every month ) so I called to find out what was going on now. I spoke to a supervisor named XXXX id # XXXX, he could see that I was making my payments and was unsure why my account was showing 8 months past due. He escalated my account to his supervisor and told me I could expect a call in a few days after they reviewed my account. On XX/XX/2021, XXXX id # XXXX returned my call she stated my account was past due because I requested to cancel the deferment. ( THIS IS 100 % INACCURATE ) also possibly illegal as I have a claim recorded on my home through HUD, that has not been reversed. The only place they reversed this deferment was in their system. XXXX told me she would look into my account and return my call, this never happened. The mortgage statement I received on XX/XX/2021, shows that my account is current and by XX/XX/2021, I was 8 months behind. I am not sure what is happening at Loancare but at this point I believe they are illegally trying to take my home as they have started sending me foreclosure notices again. Loancare needs to be investigated their practices are beyond incompetence at this point.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (PA)

15 U.S.Code 1681-2 Responsibilities of Furnishers of information to consumer Reporting Agencies.1.PROHIBITION-reporting information with actual knowledge of errors or inaccuracies.The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON CONSUMER REPORT!
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: Experian Information Solutions Inc. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-03-28
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. (MO)

Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
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. (NV)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my XXXX XXXX. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Resurgent Capital Services L.P. (SC)

The problem is with XXXX reporting that I have or have had an account with LVNV FUNDING LLC.LVNV FUNDING LLC Account XXXX XXXX Verified and Updated the account but they did not resolve the issue Their results were that : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 


This company must have bought my account from some other source and I have no dealings with LVNV. This report is inappropriate and fraudulent. I want it removed from my report
Consumer complaint received 2023-09-11
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: CITIBANK, N.A. (CA)

I keep trying to get my credit report updated since XXXX from Citibank and XXXXCitibank keeps sending documents to XXXX saying that the inquiries are factual when they are not.Citibank keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to XXXX showing that the credit inquiries from Citibank is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.