davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 XXXX i spoke to a representative agent name XXXX and XXXX and 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 XXXXThis 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 inquiries 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 21 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 XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-09-26
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 (IL)

I have been trying to stay 1 month ahead on my Capital One credit card but they keep charging me a {$25.00} late fee. On XX/XX/2018, they told me that I can't pay ahead because they apply the 2nd payment to the same statement for the month that I had already paid. So, the following month, they charged me a {$25.00} late fee even though I had paid for that month. They told me that all credit card companies do the same. 
Maybe they all need to be investigated and forced to refund those charges to consumers. Just because they all do it doesn't make it legal or ethical.
Consumer complaint received 2022-05-23
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 and XXXX and 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 Transunion. 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 inquiries 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 Transunion more than 21 times. transunion 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-09-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc. (FL)

This debt collector for student loans has called me hundreds of times, on my phone and at my part time job. My employer has asked the caller to stop calling at my job. I have asked them to stop calling. Many different phone numbers are used to harass me. Many different callers. Some of the phone numbers that call are XXXX ; XXXX ; XXXX ; XXXX ; XXXX. However there are many more. The harassment is making me very sick as there is nothing I can do to change my financial circumstances. I am partially XXXX after three XXXX XXXX XXXX. 
The callers call me several times a day. My job is affected.
Consumer complaint received 2022-05-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and XXXX Are reporting balances and Late payments on closed accounts on my credit report. If the original creditor sold the debt to a collection agency, then according to fair credit reporting practices, it should not continue to report a balance owed. They are not original creditors as follows XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. 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 2021-12-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc. (AL)

They are mailing me the same collection letter for same account same amount multiple times a week. I wish I had kept all of them but the ones I have are dates XX/XX/2021 XX/XX/2021 and XX/XX/2021. Its harassment! I know I owe the money I just cant afford to pay it. The hospital is already garnishing my state taxes for it. Between my health issues and my daughter having XXXX XXXX  I can not afford to pay off the almost XXXX they are harassing me for. Its just a constant reminder that Im failing and I dont even want to check my mail anymore because of Franklin collections
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested reinvestigation for the accounts listed below but Transunion came back with that they were verified as accurate how can that be when there are several errors reporting. According to XXXX XXXX XXXX XXXX  Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5 and 15 USC 1681eb. Delete these Accounts XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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)

To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency and have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL ( XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. XXXX XXXX is account number XXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT EQUIFAX IS ALLOWING TO BE REPORTED AGAIN BY PORTFOLIO : XXXX. XXXX This is a duplicate account and must be deleted. 


XXXX. XXXX This is a duplicate account and must be deleted. 


I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-02-06
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. XXXX is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting for XXXX Late Payment and Account Removal. Requesting XXXX to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
Consumer complaint received 2019-11-22
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/2019 I ordered two items with my Chase/Amazon XXXX credit card from Amazon. I received only 1 of the items and spoke to Amazon, then Chase, and requested full credit for the item I did not receive. Both refused to issue the credit. 

In addition to this fraud, of charging my credit card for something I never received, I also have been defrauded by paying for XXXX  membership associated with this card. Conditions of XXXX membership advertise that any item designated as a XXXX item is delivered within 2 days of placing the order or the item is sent without charge to the customer. This did not occur. The same delivery vendor ( XXXX  ) delivered the second item in the order but failed to deliver the main and more expensive item in the same order. It is a book by XXXX XXXX and cost {$31.00} plus tax. Since Amazon likes to hide what it charges people for tax ( another of its many frauds ), I can only estimate that it charged just under {$2.00} for the tax on this book. So I requested a credit of {$33.00} for the missing book and both Amazon and Chase refused to issue the credit. Amazon, in the typical theft it is allowed to engage in with its XXXX credit card and membership fees, wanted to offer me a {$5.00} coupon for something I never received while charging me between 6 to 7 times that amount for the phantom item. Chase told me to call again tomorrow to provide the same information. I will not do it. I gave it the information, explaining in detail why the book was not received with the rest of the same order. I should not have to repeat all of this information for yet a third time, just because Amazon and  Chase have some mutually beneficial arrangements to defraud the public.
Consumer complaint received 2015-06-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}
Consumer complaint received 2022-12-17
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (AL)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day XXXX days later I have not received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, and it has been well over XXXX days so they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and updated to paid as agreed. My information was also impacted by the Equifax data breach. Unauthorized accounts XXXX. ) XXXX XXXX - XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XX/XX/XXXX. XXXX. ) XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have been repeatedly asked Teletrack ( an Equifax company ) to place a security freeze on the file it maintains about me. 
Teletrack- ( an Equifax company ) has repeatedly refused to place a security freeze on the file it maintains about me. 
Teletrack- ( an Equifax company ) continuously violated my consumers ' right to the freeze of my file causing me ( a senior citizen ) XXXX XXXX XXXX financial injury. 
Instead Teletrack ( an Equifax company ) keeps sending me repeated requests to sign the below - Even though I have send them all documents they asked for. 

Teletrack ( an Equifax company ) check this box : " By checking this box, I understand that I am requesting that Teletrack, an Equifax company ( Teletrack ) place a security freeze on the file it maintains about me. By doing so, I that ( i ) Teletrack can not freeze my file if it can not authenticate my identity using the information Iprovide ; ( ii ) under applicable law, certain users may still be allowed to access my credit file even when a freeze is in place, such as my existing creditors ; ( iii ) that if I submit an application with a new creditor, or other user, the user may not be permitted to access my consumer file unless I grant Teletrack permission to share a report ( by lifting the freeze for a period of time, or for a particular creditor, or by permanently removing the freeze ) ; ( iv ) that Teletrack resells consumer report information from other consumer reporting agencies, which may include, but may not be limited to, one or more of the three nationwide consumer reporting agencies ( Equifax, XXXX, and XXXX ), and even if I have placed a freeze on my Teletrack file, Teletrack may still resell another consumer reporting agencys report if I have not frozen my file with the other consumer reporting agency ; and ( v ) that it will be my responsibility to comply with Teletracks process regarding lifting or removing a freeze '' Due to the sensitivity of the documents I can not download her but I can submit them though secure channels of communication upon request
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX is overcharging and saying Im late when IM NOT. Ive overpaid and multiple payments throughout the years. I have 100 % payment hstory with ALL creditors. XXXX is illegally charging random fees now its toward the end of the lease and I want this removed ASAP. This is incorrect. Illegal. and violates Section 15 U.S. Code 1666b - Timing of payments and violations of ( b ) Billing error A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Requesting for XXXX Late Payment and Account Removal. Requesting XXXX to waive all extra fees that incurred for being late as Im not sure what these are and never disclosed to me.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (VA)

Experian credit report is showing account that is fraudulent. The collection account is in the amount of $ XXXX.The creditor is XXXX XXXX XXXX XXXX.Date opened XX/XX/2019. Address ID # XXXX.
Consumer complaint received 2018-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial. 

XX/XX/2018 - Received a letter from XXXX  stating that the account has been verified. 

XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account. 

XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.