davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

In Accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

I am receiving repeated phone calls ( now daily ) from various XXXX XXXX telephone numbers. I know them to be a debt collector, yet I have no outstanding debts. Calls received from : ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX  on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 Those are just the most recent calls.
Consumer complaint received 2023-02-21
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. (CA)

I reviewed my Consumer Reports and noticed that I had charged-off status on an account that I was sure was not a charged-off. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. verify and fix this account : XXXX XXXX XXXX .... Balance : {$560.00}
Consumer complaint received 2017-09-18
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. (PA)

Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX. i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, Transunion, XXXX, and XXXX. Transunion updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Consumer complaint received 2024-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credits, Incorporated (OR)

Credits Incorporated sent me a letter stating that I owed a debt to XXXX XXXX XXXX. I had seen a physician at XXXX XXXX for a XXXX XXXX, that later became XXXX XXXX XXXX. I called and stated I had never gotten a bill, and it was unusual that I would receive a bill from a provider I had seen a year ago. The told me it was for a XXXX XXXX. Also weird, as I have never had a XXXX XXXX through XXXX. I called XXXX XXXX XXXX. They said I had no outstanding balance, and had never submitted a claim to Credits incoporated. I called the XXXX XXXX XXXX XXXX XXXX, who also said I had no bill or balance and they had not sent a claim to Credit Incorporated. I called Credits incorporated and left several messages that they have a false claim under my name.
Consumer complaint received 2017-07-27
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: AMERICAN EXPRESS COMPANY (FL)

XXXX 2016 AMERICAN EXPRESS SENT ME A BILL FOR XXXX! I IMMEDIATELY CALLED AND WENT ON LINE TO POINT OUT THEIR MISTAKE ... THEY HAD A YEARS WORTH OF TRANSACTIONS IN ONE SINGLE MONTH ... XXXX 2016 TO XXXX 2016 ... THEY LUMP SUM XXXX/2016 TO XXXX/XXXX/2016 THEIR CRAZY BILLING MISTAKE! I ESCALATED TO SUPERVISORS, DEMANDED MY MONEY BACK ... THEY OVERDREW MY BANK ACCOUNT ... .AMERICAN EXPRESS GETS PAID EVERY MONTH..XXXX 2016, XXXX,2016, XXXX 2016 AND SO ON EVERY MONTH WAS PAID IN FULL ...
AMERICAN EXPRESS OWES ME XXXX XXXX ...
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.
Consumer complaint received 2023-02-21
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-19
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX/XXXX/XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

Citibank continues to decrease my credit limit, it was done in XXXX and again in XXXX. They have decreased it so much that it is making my payments each month increase and my debt to income ratio increase. Their actions are negatively affecting my credit report and posing a hardship on my life economically. I have asked Citibank representatives for an explanation and I explained how they are negatively affecting my life but I have not received and help. The customer service I receive is horrible and I would like to make payments as I was in the past. I am attempting to improve my credit score but I am not getting anywhere because my credit limit continue to get decreased by Citibank.
Consumer complaint received 2019-04-24
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. (GA)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

Went online in XX/XX/XXXX to shop on store website - then to check available credit line since I had not used that account > year. Immediately noticed balance. Attempted to review statements available but only statements available showed interest and past due fee each month. Contacted creditor by phone, English obviously was not primary language for rep. Explained had no knowledge of purchase that rep said had been made back in XXXX. Explained to rep that I had made no purchase on my card since XXXX of XXXX and had paid that off in full, had not received any statement showing balance due nor any notice that a payment was do. Req credit for debt while they provided me with proof of the charge and credit for all fees or finance charges assessed due to circumstances. Also req any removal of negative reporting to CB. Rep replied would be able to waive one fee as one time curtesy. Req his supervisor as this was not a curtesy req but a dispute of a charge. Was disconnected by agent. Since then have verbally chatted with them in regards to the matter and to re-iterate now that they have started collection actions against me in violation of my consumer rights that they must cease and desist calling my work phone number. To date, I now receive a monthly statement each month with an additional fee and finance charges, They have my work number on a dialer that plays a recorded message to call them, My credit report now reflects a seriously delinquent if no now charged off account which has impacted my credit score XXXX points already. My last chat conversation with the company informed I would contact CFBP if they could not take the corrective action requested. Still no response from XXXX, still continue to report inaccurate data, still continue to call my work number every day.
Consumer complaint received 2022-05-30
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)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-02-20
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-05-30
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. (WI)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I applied for the XXXX XXXX Loan Forgiveness program and I was granted {$10000.00} in forgiveness which cleared all of my remaining debt with Navient. I received several emails congratulating me on paying off my loan and the balance went to {$0.00}. I even talked to a rep who canceled my monthly auto payments and confirmed that I was all set and that I should receive a letter in the mail confirming this. After several months I received nothing but I did get a notification that I was due to resume payments soon. I had no idea what this was referring to so I called Navint and a rep informed me that they misfiled my paperwork. I should have received only {$5000.00} in forgiveness, not {$10000.00}. She informed me that I was in fact due to resume paying off my loan. Sadly, in the months that had passed since I was informed by Navient that I had paid the loan in full, I had transferred any remaining money I had to pay off the loan into my Roth IRA. I thought I was making a wise financial choice only to find out that I once again needed that money so that I could pay off the mistaken amount.
Consumer complaint received 2022-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank called about 1 missed pmt. We were in Tx with a XXXX scare. I called TD back, explained the situation and made pmt arrangements. I took screen shots. Despite arrangements they said I can't stop the calls and they will continue until its paid. Not even 30 days late fyi. Next time they called I waited and gave them fair warning to stop. Met with arrogance.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

On XX/XX/2022, I received the closing disclosure from Loan Depot stating that the bank attorney fee was {$1200.00} and the title search was {$290.00} in Section B. These fees I believe in Section B should never change from the initial loan estimate until closing. A change circumstance was never done and then on XX/XX/XXXX, I received an amended CD that put the fees to bucket C. This was 10 days after the initial closing disclosure. I believe as per TRID this is a TILA, RESPA violation and I am owed a cure of {$1500.00}. I believe that the fees in section B should never change in the first disclosure until closing.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2019 I disputed some inaccurate information on KOHLS Card with  XXXX, XXXX and XXXX. I do not agree with the information that was verified by KOHLS Card to these three agencies. I would like Kohls to verify the full account details they VERIFIED and reported back to the investigation requested by XXXX, XXXX, XXXX for XXXX and XX/XX/2019,
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (NC)

Ive been dealing with this almost a year Ive did every step they told me to get these inquiries & accounts removed!!! Ive submitted identity verification & utility bills along with the FTC as was requested I have proof.
Consumer complaint received 2022-05-30
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-30
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. (WI)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-05-30
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....