davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Citibank '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has blown up my phone with repeated calls, several times a day trying to collect on a loan thats long out of statute by over 10 years. Ive repeatedly told them to stop calling me. Theyve called XXXX times in the past XXXX weeks. I have the record on my phone log. When I block the number, they use a different one.
Consumer complaint received 2022-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$800.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$37000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$23000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$27000.00}, XXXX XXXX  XXXX ( Date Opened XXXX. XXXX, XXXX, Balance : {$8300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$29000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9900.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$9200.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

On XX/XX/XXXX, I got a notification from XXXX that Credence Resource Management collection account was on my XXXX  credit report in the amount of {$1400.00}, and ORIGINAL CREDITOR is XXXX XXXX. The account is opened on XX/XX/XXXX. I do not have any XXXX  services or credit or something like that. I believe this is a case of fraud or a data breach.
Consumer complaint received 2020-04-06
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. (MD)

XXXX XXXX ( Account number XXXX ) is a XXXX XXXX that my daughter had and that has been placed on my files. I never signed an agreement for this XXXX XXXX. 

My daughter had me added as a person able to use the XXXX XXXX. PERIOD. I contacted XXXX XXXX and spoke to a representative. XXXX has no information on me other than my name. No address ... no phone number ... not my social or identifying information. This proves that I did not sign up for any liability on this debt. I explained the situation to the representative and asked her to provide a copy of any document I signed that would make me liable for this debt. She hung the phone up on me. 

I disputed this with the credit bureaus and they left it on my file.
Consumer complaint received 2024-01-08
Product: Credit reporting 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 or about XX/XX/2022, XXXX XXXX XXXX reported acquiring a debt from XXXX XXXX XXXX. On or about XX/XX/XXXX, XXXX XXXX XXXX reported a tradeline Transunion and XXXX without allowing me the opportunity to Dispute the debt. XXXX XXXX XXXX ' actions violate the Fair Credit Reporting Act in that 1. I had no knowledge of the account on or about XX/XX/2022. I do not have any contract with XXXX XXXX XXXX wherein I promised or owe XXXX Management for services Provided. They did not provide me with the original contract as requested. 
2. They did not give me time to at least make payment.

3. They did not notify me or give me time to dispute the account.

4. I have not knowingly opened an account with XXXX XXXX XXXX, therefore tradeline reported by XXXX XXXX is Fraudulent. 
Per the Fair Credit Reporting Act, a person 's consumer report should contain ONLY, Accurate, Complete, and up-to-date information. The information reported by XXXX is INACCURATE and a continuous inclusion on my consumer report is a violation of my rights.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I called XXXXXXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX  on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with a XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped XXXX points with XXXX  and XXXX  + XXXX points with Experian. 

I called to discuss with XXXXXXXX XXXX XXXX  because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, I called XXXXXXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with a XXXXXXXX XXXX XXXX  representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXXXXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped XXXX points with Equifax and XXXX  + XXXX points with XXXX. 

I called to discuss with XXXXXXXX XXXX XXXX  because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " XXXX '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX  which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Consumer complaint received 2023-05-07
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. (TX)

on ( XX/XX/ ) .the consumer fowarded experian an Notice letter to remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts displayed transactions and experiences between the consumer and the persons of which made the reports before Experian that are required to be excluded from the consumers consumer report that Experian has placed within the consumers report that is required to be excluded.therefrom15 U.S. Code 1681a 2 ( i ).
Consumer complaint received 2020-04-06
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. (CA)

On XX/XX/2020, I called XXXX XXXX XXXX and changed my credit card payment date from the XXXX to the XXXX of every month. This way I would have no issue make 100 % payment and have that reported consistently. They informed me that the change would not take place until XX/XX/2020. 

Before making my XX/XX/XXXX credit card payment, I called XXXXXXXX XXXX XXXX on XX/XX/XXXX to make sure I understood when my XXXX statement would close so that I did not use my balance sooner than it would be reported. I basically called to confirm that my money would need to be on the card until XX/XX/XXXX, XXXX EST. 

I discussed this with XXXX XXXX XXXX XXXX representative who confirmed with me that my statement would close on XX/XX/XXXX and whatever balance is on my card by end of business on XX/XX/XXXX, at XXXX EST is what would be reported. We also confirmed that my payment due date change would take effect on XX/XX/XXXX and my statement would generally close on the XXXX of each month going forward. I explained during this call that I would need to use the balance rather quickly so unfortunately, my money would not sit on the card but I would use it basically right after the XXXX and it was confirmed that so long as it's on the card by XXXX on the XXXX it would be reported. 

I paid {$400.00} of my {$500.00} balance on XX/XX/XXXX and I proceeded to use my card on XX/XX/XXXX as I explained to the XXXXXXXX XXXX XXXX representative. Finally, on XX/XX/XXXX I got a notice from the credit bureaus that I had used 100 % of my credit card balance and thus my credit score was dropped 62 points with XXXX   and TransUnion + 45 points with XXXX. 

I called to discuss with XXXXXXXX XXXX XXXX because I had called to confirm this with a representative on XX/XX/XXXX solely for the purpose of avoiding this sort of issue. They said they listened to the recorded call however they do not feel I was " Mislead '' during the call. However, the representative told me clearly that my statement would close on XX/XX/XXXX as per usual. And that the change would take place starting in XXXX. It turns out that was incorrect information so I unknowingly used my balance sooner than it was reported. 

I checked my XXXX and XXXX statements from XXXXXXXX XXXX XXXX which did not indicate a change in my statement close date, I also spoke with them on XX/XX/XXXX they didn't indicate the change in my statement close date, and when I changed my payment due date on XX/XX/XXXX they never indicated this change so there was LITERALLY no way for me to know about this change. Literally. Even with the fact that I called them one day before making my XX/XX/XXXX payment they did not inform me when I called to confirm my statement close date. 

And after all this, the complaints department has told me they will not change what was reported because they feel it is accurate and I was not misled.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (NY)

It appears that my file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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)

I noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that account.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

When I filed a complaint against this company before, the company responded only to fix one of my concerns. 
I can not pay my mortgage at a branch or online without paying a fee which is stealing money from me. 
The company keeps saying false statements in their letter. I have proof that payments were returned which screwed up the payment process and my payment history. I was threatened with foreclosure even though my payments were current. They were told by their own attorneys that it could not happen. 
I have not been treated with respect as a customer.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I was getting quotes for a refi 30 yr fixed. Rocket Mortgage, gave me rates after collecting almost everything they can dig out from me, including the XXXX. Then they asked for a credit card to pay for a good faith deposit, which included a credit check and apprailsal fees. They have not sent me a Loan Estimate yet. I asked for it via email and they only would respond via a phone call. 

Is this the correct process?
Consumer complaint received 2020-04-06
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. (SC)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX
Consumer complaint received 2020-04-06
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX/XXXX  XXXX never late COLLECTIONS XXXX  XXXX {$490.00} not mine
Consumer complaint received 2022-06-03
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. (MI)

XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX account XXXX In accordance with the Fair Credit Reporting act 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 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

My Discover account of 11 years was closed for inactivity without my knowledge or warning after sending me an updated card with a new expiration date on it. I called to explain my account has been long term and in good standing and was used less than a year ago. I spoke with XXXX in XXXX, XXXX in XXXX, XXXX, and XXXX and XXXX in XXXX. They all provided me with different reasons for which my account has been closed and none of them offered a solution to playing a part in wrongly negatively affecting my credit score by closing a long standing account with such a prominent availability, not even an apology or empathy for my situation. I wonder if this is legal for them to do to their customers and how closing an account without consumers knowledge serves as a promoted policy. I truly hope this company does not use discrimination to make these decisions. I am disgusted with Discover 'S actions as well as customer service or lack there of.