davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.
Consumer complaint received 2019-12-22
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-29
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)

Someone had hit me and totaled my car. the insurance company bouhght the car and paid for the car the the XXXX XXXX XXXX and they are refusing to take my name of even though the car and title are out of my name for 2+ years.
Consumer complaint received 2022-01-03
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. (PA)

I have sent XXXX different letters and spoke with a TransUnion representative a handful of times trying to get unauthorized and fraudulent inquiries removed from my credit report. This is my second complaint. I have also called the consumers who in turn tell me to call the credit bureaus. Like a vicious circle of complete lack of help. The following are unauthorized and fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-22
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. (TX)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-11-29
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rocket Mortgage, LLC (CA)

I applied for a home loan ; they were going to pull money out to fix the roof, cut the trees, and do general repair the are badly needed. The VA sent an appraiser out to my home that was here for like 5 minutes. He downgrades the property, which is insane ; the property is 7 miles for the ocean, and major upgrades have been made to the home. So, the loan process came to a complete halt, and I had to excellent another type of loan know I retired, so my income changed, and the only thing I qualified for was an eral VA loan. 
Under this program, there not income verification, so I qualified. I've made serious upgrades to the property, and new XXXX room, a laundry room, I furnished two XXXX rooms, 1. https : XXXX? XXXX & XXXX XXXX https : XXXX? XXXX & XXXX So, the XXXX takes months to go through months! So, I still paying the contractor for put the second XXXX  to I was told to be ready to make a payment in two months after the loan was approved, but I was not notified by any mortgage company giving you a 30-day window to be ready to pay a XXXX note. I'm in my car driving, and I received a text the I would be 30 days late on a mortgage payment! I did not receive a welcome packet or any correspondence at all. So, I called the text, and this was the new mortgage company notifying me on the XXXX of the month that my payment was supposed to end on the XXXX. The Company is Quicken Loans ROCKET Mortgage loan number XXXX. 
On and by the way, I'm as SUPERHOST on XXXX! 
I XXXX  as an XXXX  from the XXXX. I was checking the mail every day for my XXXX plates, which have not come yet, so I would have seen a letter or a packet that was not sent to me. This company lied out the gate and are treating different hero witch is just disrespectful, and anyone, let alone a veteran, should to treated in this manner.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax for a violation of Title 15, Section 1681c-2 of the United States Code , which relates to blocking information resulting from identity theft. 

In the month of XX/XX/2023, during a credit check, an unknown credit card account was opened in my name without my consent, and this incident constitutes identity theft. 

I have attached the following supporting documents to this complaint : A copy of my identity theft report as required by the statute. 
Copies of relevant correspondence with Equifax. 
Any other relevant documentation, such as police reports or affidavits. 

I believe that Equifax has not properly complied with the law by failing to block the fraudulent information from my credit report as requested. This has caused financial and personal distress. 

I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under Title 15, Section 1681c-2, are protected, and that Equifax rectifies the violation promptly. 

I appreciate your attention to this matter and look forward to a resolution of the issue. Please contact me at the provided contact information if you require any further details or documents.
Consumer complaint received 2019-12-22
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. (MO)

i went to get all my credit scores and trying to figure out why I cant get a loan, a vehical, rent a home, a credit card, get a job ... like I'm XXXX  for the second time ... I have my identity leaked over the internet, all of the reports are wrong, I need a experts help please.
Consumer complaint received 2019-12-22
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: Experian Information Solutions Inc. (DC)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2022-01-03
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. (LA)

I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

Account info Account name XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$530.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Note Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XXXX XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX
Consumer complaint received 2019-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

When arriving to the hotel, I spoke to the receptionist at the front desk, they did not accept cash, so I went to the bank and deposit {$80.00}, after coming back from the bank the reception said that my card declined. I said how's Is that I just deposited the money So I checked my online account. And there was a charge from XXXX XXXX XXXX. I confronted the reception at the front desk about it. Because I did not receive any keys for the room or anything like that, she said they will have to charge my account again I said there are charges on my account I did not stay there that night, She got a attitude with me. and said that she did not charge my account that it was just a hold. the police was called because they said they would they couldn't not issue a refund at that particular moment or time is what the police at I checked with the bank the bank still have not received my funds. Or posted a credit to my account. 
I called the hotel corporate office and spoke to somebody about the situation How they charge my account, but did not rent me out the room, and they apologize And said that they were sending my refund.
Consumer complaint received 2022-09-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 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 purpose
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted 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 gotten into the hands of the wrong person.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out my identity was stolen and credit cards open on my behalf.

I made a identity theft report and forwarded to all 3 credit bureus as well  as the furnisher of the account. 
I asked XXXX, transunion and XXXX  to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phillips & Cohen Associates, Ltd. (NH)

On XX/XX/2019 I checked my mail at XXXX XXXX XXXX, Unit XXXX in XXXX, NH. I opened a letter from Phillips & Cohen Associates, LTD. To my surprise the letter was addressed to the Estate of XXXX XXXX XXXX It read that this company recently learned that I was deceased and that it was trying to collect a debt from my estate. 

I am not deceased. I have never represented to ANYONE that I am deceased nor has anyone else represented that I am deceased. How XXXX XXXX XXXX XXXX got this bad information is something I would very much like to know. I would also like to know who they represent as they referenced that their client notified them I was deceased. 

I have no idea who their client is and there was no information in the letter to whom the debt was owed or the origination of the debt. There was also no information in the letter that I, or should I have been deceased, my estate had the right to dispute the debt. If I had been deceased my executor, who likely would have been close family member, would not have known that they had the right to dispute the alleged debt.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TN)

ALLY BANK : I obtained a used car loan with Ally Bank. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and Ally refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and Ally Bank are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Consumer complaint received 2019-12-22
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. (DC)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

This is the third time I'm reaching out to Rushmore Loan Management LLC about correcting the credit reporting on this account. I was told to wait 46 days from the previous correspondence dated from XX/XX/XXXX. I was told this would be updated and if not to send a copy from my credit report showing the account was reported late. I have attached a copy of my report showing account is still reported late even though correspondence form a XX/XX/XXXX letter indicated I was approved for a modification and the trial period would start XXXX. Also, previous correspondence stated that all credit reporting would be suppressed until XXXX, which apparently that didn't happen. I really insist that this get updated immediately since I have been told previously this was sent to all three-credit bureaus. This has caused my credit score to drop by XXXX points. I also made a payment to Rushmore in XXXX before the loan was transferred to XXXX on XX/XX/XXXX.
Consumer complaint received 2019-12-22
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: Experian Information Solutions Inc. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/XXXX, XXXX 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 2019-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/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 2019-12-22
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. (GA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX/XXXX,  XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX