davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (GA)

I opened a claim with Chase Bank against merchant XXXX  for item not receive. Shortly after this claim was open the item arrived. However, it was completely damaged packaged and the item itself was not included in the package. XXXX made note of the damages to the package. I called XXXX immediately to let them know of the incident, and I also updated Chase Bank as far as the claim however Chase Bank closed claim because the package was received not looking at the fact that I called to notify them that the package was received and it was damaged. XXXX then prompted me to try to close the claim with Chase so they could refund my account... Chase eventually denied the claim. I notified XXXX to let them know this and I got emails and phone calls stating that once the money came back to XXXX, they would be able to refund my account however since notifying them of the claim closure, I am getting no response at all when I call a rep says there was a problem with their finance department and that the money will be sent to my account soon I have followed up with Chase on a regular basis to see if that negative Amount had reversed so now I am stuck with a close claim. Chase close my account and I have a merchant who is no longer responding. I would like to reopen this claim and account that I have emails stating that a refund would fact be processed.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-15
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: Aqua Finance, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-15
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: ALLY FINANCIAL INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, ALLY FINANCIAL, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaint.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Trans Union make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CORELOGIC INC (NY)

While reviewing my XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CREDCO on XXXX/XXXX/2016. I did not authorize any employee of CREDCO to review my records for any purpose at any time. This is as a direct result of ID THEFT. I personally contacted CREDCO to delete this adverse information and requested for any verifiable signed documents by me, to date CREDCO has failed to provide me any signed documents within 5 business days nor did they delete this information from my report.. As a direct result, I have continued to suffer discrimination and irreparable economic loss of denial of meaningful employment. housing discrimination and denial of credits due laegely to gross negligence of the CREDCO employees acts and omission.
Consumer complaint received 2015-07-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

We were effected by XXXX XXXX and XXXX offered us a XXXX month bereavement that would be added to the end of our loan. In XX/XX/XXXX, after already skipping XX/XX/XXXX and XX/XX/XXXX payments, we were informed that they made an error and we were not eligible for this program. XXXX demanded that we make-up the XXXX missed payments in full. We explained that we did not have the funds to do this since all the money was used to make repairs as a result XXXX. After the XXXX month forbearance, we started to make our usual monthly payments. However, the payments were and still are being applied to the previous months, thereby, making it appear that we have continually missed payments. As of last month, our credit report indicates that we have missed XXXX mortgage payments. To further complicate the situation, XXXX has transferred our loan to Seterus and they are also reporting ourpaymentsas missed. We have tried to resolve this matter with Seterus as well, however, each month we make a payment it is also being applied to the prior months. Thereby, making it appear that we are perpetually late and missing payments. The documents attached will show that we have never missed a mortgage payment with Seterus. Furthermore, we have had our mortgage with XXXX for close to XXXX years and the only time we did not make a payment to XXXX was during the forbearance which they authorized as a result XXXX and then reneged.
Consumer complaint received 2019-02-01
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. (CA)

i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX   and got your contact so im asking please can you help me as well as inquiries that where not mine..
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (DC)

On XX/XX/21, I received a package from USPS. It was addressed to me from TD Bank. It appeared to be checks, which I knew was suspicion as I do not have a TD Bank account.

I opened the package and confirmed that it contained checks with my name and address but not my phone number.

I immediately called TD Bank, explained that I received checks from them but didn't bank with them, and advised that the checks had my information but a suspicious phone number. I was transferred to their fraud department. The rep in the fraud department made a notation in the system, closed the account in my name and directed me to contact FTC, SSA and the 3 major credit bureaus. 

I made no further inquiries about the account at TD Bank as I didn't open it.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

Amex refuse to issue promotional offer of XXXX delta skymiles after I met spending limit of XXXX dollars.They said I have open card in the past and closed or not used them but they can, t send me any policy in writing to support this decision.i will seek legal representation if this matter is not resolved.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (NJ)

I was charged a wrongful amount for XXXX XXXX  tolls, I was charged for a truck with multiple axles, whereas the vehicle was a one axle passenger vehicle. I was also charged administration fees. I tried to escalate this issue directly with the XXXX XXXX and they even agreed it was a error, and escalated it, but never followed thru with correcting this apparent known issue, where cars are being charged as trucks which is egregious. I would like to pay tolls but not as a truck when it isnt one.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I Called XXXX XXXXXXXX XXXX  to check if I can get my credit Card limit to be increase, and I asked them if is going to be a hard inquiry or soft pull on my credit report, I was told is going to be a soft inquiry only and will not be a hard inquiry without my consent, then I told him in that case I want to go ahead to see if I can get my credit card limit increase, Also I made it very clear if is going to be a hard inquiry on my credit report I will not be interested to apply, the person on the phone told me no worry will not be any hard inquiry without my consent. anyway I apply and I was approved for credit line increase but next day I received a notification from the Experian Credit Bureau that was a hard inquiry by XXXX XXXX XXXX, I contact XXXX XXXX about this issue and I filed a case with them and I was told is going to take up to 10 days for investigation. Few days later I received a letter from XXXX XXXX to confirm that was an error from XXXX XXXX and they will contact Experian credit bureau to request the hard inquiry to be remove from my credit, until today nothing is been remove, I contact Experian myself and they inform me they have not received anything letter or fax from XXXX XXXX regarding my issue, I contact XXXX XXXX several times for help but every time I contact them they said we have requested the hard inquiry to be remove and they open new case for me, again until now the hard inquiry still on my credit file. 
Here all the case number I have filed with XXXX XXXX regarding this issue the first case was Filed On XX/XX/XXXX, Case # XXXX, the second Case was filed on XX/XX/XXXX, Case # XXXX, the third case was filed today XX/XX/XXXX, Case # XXXX, The phone number for XXXX XXXX XXXX, as you can see every time I call XXXX XXXX they keep opening new case for me but without any solution to resolve this issue.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 

Thank you
Consumer complaint received 2016-02-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (OH)

Rise Loans, I borrowed from this company before and have paid in full all of my loans with them early if not on time.The last loan I took was XX/XX/2015, FOR XXXX, and lost my job XXXX with no income what so ever .They were unwilling to work with me in any way other than to satisfy my debt with them .as early as yesterday the loan was sent to a third party to collect., XXXX. out of Kansas I do n't know if there is any help for me as I got caught up in this whirlwind world of Payday and Instalment Loans! I amm really trying to build myself back up but do n't know how too
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

I been send money with these company the name is Remilty but they refuse to refund my money im asking for the refund because i didnot send the money and i think is not rigth that i loose my money they say they can refund the money because the money they send the money and they pickup the money but is not my fault i want my money back i ask these person if he resive the money and he say he never resive the money and all i want my money back the total is XXXX
Consumer complaint received 2021-11-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on USAA SAVINGS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

USAA SAVINGS BANK XXXX Balance {$3000.00}
Consumer complaint received 2021-11-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

USAA FEDERAL SAVINGS B XXXX Balance {$5800.00} ;
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

H & R ACCOUNTS INC XXXX Balance {$1600.00}
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a Capital One Savor Card that was inactive. In XX/XX/XXXX, they charged me a {$95.00} annual fee on the card. The next month, they charged me the {$95.00} + {$25.00} late fee in payment. They started charging more and more fees of {$25.00}, so that it is now in XX/XX/2021 at {$210.00} dollars ( {$3.00} in interest this month ), for an account that they closed already for being " 120 days delinquent ''. There were no prior charges on the card- this was a card that was PAID IN FULL. They haven't done any effort to contact me about this suddenly missing payment. Instead, they are just using legalese to turn a {$0.00} credit card account balance into a {$210.00} fee and counting, which has dropped my credit score over 100 points and is my first delinquency EVER. This is awful shady business practices. 

To make matters worse, I also didn't find this info of " owing {$210.00} '' from Capital One, in part because they don't want me to know that they're charging me an extra {$25.00} a month plus interest to buy nothing. I had to comb through my credit report to discover which account was popping off with this 120-day delinquency. It was a previously entirely inactive account with Capital One, with a {$0.00} balance. They really want to charge fees upon fees, with interest on top of their fees. A {$95.00} fee turned into {$210.00}, with no effort on their end to collect, because the goal was fee growth. Even the original {$95.00} wasn't from me purchasing anything
Consumer complaint received 2021-11-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681 I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-10-05
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. (GA)

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. 

Account Name XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 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 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Mortgage company notified of adverse information in credit report from 5 years ago in the form of unpaid debt of roughly {$100.00} in former home electricity account, contacted XXXX Texas by phone who informed they don't see a debt, per own records account was paid and closed in 2016, was able to file dispute with XXXX only, dispute with XXXX online service did not go through after 10 attempts, Equifax online service did not allow access to online service and dispute.