davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally dispute and request the investigation of a bankruptcy listing that has appeared on my credit report. Upon reviewing my credit report, I noticed that there is an inaccurate bankruptcy notation, which is negatively impacting my creditworthiness. I am hereby exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a thorough investigation into this matter. 

Details of the Dispute : XXXX XXXX XXXX XXXX Reference # XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (TX)

I mailed a certified letter to Exeter Finance, LLC on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it still has not been delivered to date, last date reflecting XX/XX/2020 per the USPS tracking website. I have verified that the address listed on the credit report and where it was mailed to is correct, unless the company has provided the incorrect address information on the credit report. Regardless, I need the company to provide me supporting documentation that this debt belongs to me.
Consumer complaint received 2020-09-30
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. (NJ)

Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Consumer complaint received 2024-03-18
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have had my CapitalOne QuickSilver card for many many years. In XX/XX/XXXX I disputed four charges from an outfit called XXXX XXXX that were made in XXXX, XXXX, XXXX and XXXX of XXXX totaling {$1000.00}. I never heard of this company and certainly never made these charges. I filed a dispute claim in XX/XX/XXXX. CapitalOne said they'd investigate. I didn't hear from them until I received a letter dated XX/XX/XXXX, XXXXThey claimed the charges were valid. I knew the charges were fraudulent and protested and, after a lengthy discussion, CapitalOne acknowledged they had never investigated the charges. The official excuse was that too much time had elapsed between the final fraudulent charge ( XXXX ) and the month I filed my dispute claim ( XXXX ). So, I ended up having to pay {$1000.00} for fraudulent charges. 

Then in my most recent statement ( received in XXXX XXXX ) there was another fraudulent charge -- this one for {$920.00} -- unrelated to the XXXX charges, but one I had earlier complained about and had thought had been resolved. This one is now supposedly being investigated. Whether that will happen or not, I do not know. 

I intend to cancel my CapitalOne credit card as I have no longer any faith in their fraud investigative department.
Consumer complaint received 2020-09-30
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. (NJ)

Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sessoms & Rogers, P.A. (NC)

this message is for XXXX XXXX XXXXXXXX and sessoms and rogers. sessoms and rogers is the lawfirm for XXXX XXXX XXXX debt collection. i fell behind on my XXXX XXXX XXXX credit card payments so they had sessoms and rogers take the payments instead. sessoms and rogers declined to take debit card payments and insisted they do it from my XXXX XXXX XXXX XXXX checking account using the checking account and routing number. so i agreed. i recently tried to do a stop payment because i did not have the XXXX dollars they were going to be pulling out for XX/XX/XXXX XXXX i called my bank, XXXX XXXX XXXX XXXX to do a stop payment. they informed me that they couldnt because sessoms and rogers, being deceptive, was doing ach debit payments and converting them to checks making it impossible for my bank to do stop payments. i did not know this until a XXXX XXXX XXXX XXXX representative informed me of this. she said that is kind of deceptive. so she advised that i get a new checking account which i am doing now.
Consumer complaint received 2023-01-06
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

From XXXX through XXXX of 2022, Comerica bank/direct Express allowed their employee to steal all of my deposits. I have a more detailed statement I can send via USPS or e-mail
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I had an erroneous charge from XXXX in the amount of {$130.00}. I notified Huntington of this and filed a dispute, due to XXXX 's non existent customer service contact information. Huntington bank dropped the ball in so many ways. Their hold time for customer service is over XXXX hours at MOST times, especially with their call back feature. 

Sometimes, you don't get a call back. In this case, I emailed them evidence, and they still did not process my dispute correctly. They ruled the transaction was valid. Caused me an overdraft fee and also returned my items. Ruining my good name and reputation. 

I talked with a too many reps last week on Friday. The most rude one was XXXX. He should be fire. Please review his call. I then talked with a supervisor who was kind and told me they could see a credit coming back from XXXX ( I had to hunt this down myself with out the banks real investigation ). XXXX refunded me. 

XXXX took 3 business days to post this credit. Even though they noted it on ledger as " XXXX XXXX. A rep called me Friday to collect the money and she said she would make sure the fees were credited. She did not do what she said. I am verify disappointed with how this went. I don't trust Huntington at this point.
Consumer complaint received 2020-08-10
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: Resurgent Capital Services L.P. (MO)

I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX   XXXX  ( Original Creditor : 11 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (CA)

Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Consumer complaint received 2020-08-12
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. (MI)

My Name is XXXX XXXX my number is XXXX I have not been able to do anything or get anything with my credit report because of identity theft which I have filed before back in 2003 and still on and off. So hopefully I can actually get some assistance with this this time last time the change XXXX XXXX XXXX with identity theft but no credit agencies fix my credit but yall keep allow him to get stuff in my name even after I have reported it. Know hes back to his old tricks and I found out hes up to it again. His current address I found out is XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX North Carolina XXXX. And phone number XXXX XXXX XXXX XXXX also have aliases
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Credit reporting agency is reporting an account XXXX Mortgage. However, the creditor is unable to locate an account for me. Please see attached letter from XXXX Mortgage. There is also a collection account XXXX XXXX XXXX for the same exact account. XXXX accounts have a past due balance. Experian is reporting XXXX of these as XXXX separate debts.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I take care of my mother with XXXX Im out the country a lot. During the corona her XXXX home day program closed down. I did not get alerts to the pay the Commenity bill. I asked several times for auto pay. Supervisors did not look into it to help me. I found out months later that they had auto pay which could have avoided the 2 late fees totaling {$75.00}! They refuse to help because they did before in the past for a different situation. Its a pandemic! I will pay the account in full the Promotion minus the late fee but they are threatening to add {$500.00} to my bill saying its not paid in full, I will pay all the Past interest. How can you say that the agreement was paid in full. The late fee is not part of the original agreement. This credit company is strong arming people during Corona. I would like to mail a letter to the CEO XXXX XXXX for these heartless practices
Consumer complaint received 2023-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I have attached a debt verification letter that needs to be responded to by the collections company associated with this debt, with specific details about this collection.
Consumer complaint received 2020-09-30
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)

I have been a member with XXXX XXXX XXXX Bank for over 30 years and my wife and I have a joint credit card with XXXX and my wife has a separate credit card her name only. I was looking to do the same, but my credit card application was denied by XXXX. XXXX informed me by letter dated XX/XX/XXXX ( attached to this complaint ), that I was denied based on the following reasons : - Maximum Credit Limit Reached - Too many accounts with balances - Amount owed on revolving accounts is too high - Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high According to XXXX letter, they made their decision by relying on information from Experian, a credit reporting agency. XXXX included the information they received from Experian in their letter to me. According to XXXX, Experian informed them that my credit score was XXXX as of XX/XX/XXXX. Experian also listed the : Key factors that adversely affected your credit score : - Too many accounts with balances - Amount owed on revolving accounts is too high - Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high - Too few accounts currently paid as agreed - Too many inquiries in the last 12 months I have a pretty good idea of the credit history of both my wife and I. In short, except for the revolving joint credit card with XXXX, we have no debt. Our mortgage was paid off in XXXX, we have had no car loans since XXXX, no student loans, or any secured or unsecured loans or credit. 

Furthermore, my wife and I had security freezes placed on our accounts with all three credit reporting agencies since XXXX of XXXX. Experians letter to XXXX stated that I had Too many inquiries in the last 12 months. We temporary lifted our credit freeze twice over the last year, and once was for XXXX to process my recent credit card application. 

I contacted XXXX and asked them to identify the specific activity on my Experian credit that gave rise to the negative comments noted above by Experian. XXXX told me that they do not have a copy of my Experian credit report but only a letter from Experian noting the Key factors that adversely affect my credit score. 

I requested my credit report from Experian on XX/XX/XXXX to see what acting on my report was resulting in Experians negative comments. ( Ive attached my credit report to this complaint. ) My Experian credit report, 13 pages, indicates three accounts ; the  existing XXXX credit card ( joint ) account, ( open/Never late ), and two Paid, Closed/Never late mortgage loans with XXXX XXXX, the last was paid off in XX/XX/XXXX. 

The credit report indicated that XXXX credit card had a balance of {$3100.00} in XX/XX/XXXX with a credit limit of {$35000.00}.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

I was put on a forbearance plan until XX/XX/2020. When I tried to make a payment on XX/XX/2020 the representative who took my information told me he was unable to reprocess the payment due to an error on his end and put me on a deferment without my consent. I am in the middle of refinancing my property and the deferment they put me on is stopping me from doing so. Ive reached out to several departments including their loss mitigation department and no one is willing to assist me. I keep getting a run around and being told that someone will call me back, and nobody has called me back. I need to resolve this issue so Im order to refinance and not have to pay penalties or extra points
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2023, I reviewed my credit reports and noticed an account from this company that I do not recognize. I believe this account is an error and they are mistaking me for someone else. In fact, I have never done business with this company or the company they claim to represent. I would like to ask for proper validation on this account as outlined in the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } they need to provide with all the following ; What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Documentation that shows I agreed to pay this debt with my signature. And documentation showing I gave you permission to have my information : Provide me with paperwork showing I gave YOU AUTHORIZATION to report this to my credit report. NO CONSENT to you having my information and unauthorized use of my social security number is IDENTITY THEFT AND YOU WILL BE REPORTED FOR SUCH!

By reporting this erroneous account this company is violating the following FCRA laws ; 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability, and Defamation of character. This inaccurate and fake account has been very detrimental to my credit health and my life. It is causing great stress to me and my family.
Consumer complaint received 2020-09-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Federal Savings Bank failed to meet their legal obligations pursuant to 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) by failing to send a  complete written explanation to the obligor ( XXXX XXXX XXXX ) of the investigation conducted by the creditor. On XXXX XX/XX/2020, a USAA CEO member relations representative stated that only a partial written explanation of the investigation was required and that further investigation details would only be passed via non-written means ( i.e. telephone ) and can not pursue the matter further due to Visa policy. Specifically, USAA has refused to provide a detailed record of the telephone contact attempts ( i.e. a list of call dates and times ) to me during this investigation. Additionally, the USAA CEO member relations representative acknowledged that their credit card dispute representative did refuse to contact me regarding my case but offered no written explanation for this contact refusal. I have over 1 dozen documented attempts to receive a full written explanation of USAAs investigation and transcripts of those attempts are included with this complaint. As USAA failed to comply with this legal provision [ 15 U.S. Code 1666. ( a ) ( 3 ) ( B ) ( ii ) ] and the obligor continues to make substantially the same allegation with respect to the error, the creditor ( USAA ) has further responsibility to continue their investigation to remedy the credit card error regardless of another financial services company 's policy ( i.e. Visa ).