davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
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. (GA)

I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.
Consumer complaint received 2020-01-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P. (TX)

RE : XXXX XXXX Account # XXXX XXXX Collection Notice- Credit Protection Association , LP Reference # # XXXX, XXXX I have had XXXX XXXX home service for many years. After receiving several incorrect bill amounts and terrible customer service interactions, I contacted Frontier to cancel my service on XX/XX/XXXX and spoke with XXXX 1st.,  XXXX 2nd., then XXXX to cancel my account due to my new service with XXXX. 
On XX/XX/XXXX, all of the equipment associated with the XXXX account was shipped back to them via XXXX.Tracking # XXXX and received a " Proof of Delivery ''. 
My bill dated XX/XX/XXXX states the amount due is {$170.00}. On XX/XX/XXXX, I called and spoke with XXXX to inquire why I was continuing to receive bills from XXXX. She advised they would discount the account and I should receive a call to confirm. On XX/XX/XXXX, I called and spoke with supervisor XXXX confirmation # XXXX to confirm the account should have been closed on XX/XX/XXXX. Continuing to receive a bill for an account that was requested closure, I called and spoke with XXXX on XX/XX/XXXX and was transferred to XXXX, who stated the account would be discounted and backdated to XX/XX/XXXX the original disconnect date. confirmation # XXXX. 
Since this communication, I have received a bill dated XX/XX/XXXX ( {$340.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and a Collection Notice dated XX/XX/XXXX for the attempting to collect {$370.00}. 
Upon receiving a collection notice, I once again, I attempted to communicate with XXXX XXXX on XXXX XXXX @ XXXX XXXX  Central time. I spoke with XXXX and was transferred to XXXX. After being placed on hold for over 20 minutes, I was disconnected. 
At this time, I have tried all I can to get the account corrected to no avail, I was a previous customer for many years. This kind of treatment is unacceptable and not professional. I'm afraid this company will damage my credit rating by reporting false information and they are not communicating properly. 
I am requesting the Consumer Financial Protection Bureau to please assist me in effort to clear this matter and finalize any debt that is correctly owed. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2019-02-15
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: AMERICAN EXPRESS COMPANY (GA)

I have never applied for credit with American Express. American Express has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.
Consumer complaint received 2023-06-28
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (CA)

I applied for a {$300.00} loan to be paid back on my next pay day with a {$90.00} fee. they ended up taking {$90.00} every two weeks out of my bank account until now which equals {$990.00} so I paid {$990.00} for a {$300.00} loan
Consumer complaint received 2020-01-09
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. (CA)

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Consumer complaint received 2020-01-04
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: Bread Financial Holdings, Inc. (RI)

The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

I have been a customer of Freedom Mortgage for almost 10 years now. Always paying my mortgage on time and independently escrowing for my property taxes. Then the errors by Freedom Mortgage began : In late 2018, Freedom Mortgage erroneously paid my 2018 property taxes claiming that they were delinquent. 

Property taxes arent due until XXXX of the following year ( see attached ) I contacted Freedom Mortgage in late 2018 to discuss this and was transferred to the Tax Department. 

The Tax Department claimed in late 2018 that my taxes were indeed delinquent and paid my 2018 property taxes for that reason. 

Explaining this over and over and over again, including with a supervisor, I was unable to get anywhere with this even after faxing over my tax bill attached. 

Then with that payment, Freedom Mortgage began to ESCROW for future taxes on my account. 

This was an erroneous next step seeing that my 2018 or any prior years taxes have never been delinquent. 

I have continued to pay my monthly mortgage payments of {$1500.00} and have been independently escrowing my property taxes. 

I contacted Freedom Mortgage several times, sent in an email with proof to the customer care email as prescribed by the customer service person over the phone ( never getting a response to ) In this email, I asked to remit payment for the 2018 taxes and get ESCROW removed from my account No response from Freedom Mortgage After getting a dedicated teller, I still have never talked to the actual teller assigned to my account. 

All of this time, Freedom Mortgage has never gotten someone to see the error they made and have continued to charge me erroneous fees and have continued to erroneously ESCROW my property taxes ( accruing fees on that ). They say I owe them over {$16000.00} when I have NEVER missed a Principal and Intersest payment in 10 years.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

DISCOVER CREDIT CARD TOOK MY PAYMENT OUT OF WRONG BANK AND THEIR XXXX MACHINE THAT ANSWERS PHONES TAKE 50 TIMES HITTING ZERO TO GET A REAL PERSON. THEY REVERSED CHGS AND WHEN I ASKED WHEN FUNDS WILL BE IN BANK THEY PASSED ME AROUND FOR 20 MINUTES AND LIED AND LIED AND LIED AND THEY PROBABLY LIED ABOUT REVERSING CHARGES AS WELL. THESE CREDIT CARD COMPANIES LIE REGULARLY AND MUST BE REGULATED. I WANT MY MONEY RETURNED IMMEDIATELY AND THEY NEED TO BE PENALIZED FOR LYING OVER AND OVER AGAIN AND PASSING PEOPLE AROUND ON HOLD FOR 20-30 MINUTES KNOWING FULL WELL NO ONE WILL ANSWER MY QUESTION AND KEEPING THE MONEY TO DRAW INTEREST ON THEY ALL DO IT AND INTEREST CHGS ARE EXTREMELY HIGH FOR ALL THEY ARE STEALING AND GETTING AWAY WITH IT AND YOU NEED TO STOP THESE HORRIBLE POLICIES BY REGULATING AND HAVING SOME PROTECTION FOR CONSUMERS. XXXX IS ALLOWING THIS THEFT. GET RID OF HIM AND PROTECT WHO YOUR SUPPOSED TO NOT CREDIT CARD COMPANIES. I DO NOT SEE ANY CONSEQUENCES FOR THESE XXXX DO YOUR XXXX JOB OR SHUT DOWN
Consumer complaint received 2023-05-24
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX
Consumer complaint received 2020-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XXXX. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2020-01-10
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: DISCOVER BANK (NC)

XX/XX/19 I ordered a product from XXXX via third party vendor for {$130.00} Order #  XXXX contacted XXXX when i didn't receive the item by the due by date and the tracking said the item was returned. XXXX said since it was a third party i would need to contact them. I contacted the seller and they gave me a new tracking number one day later. After a week and still not receiving the product I contacted the seller again but they said its been delivered and then proceeds to ignore all future messages. XX/XX/19 I disputed this transaction with Discover as Item not received Dispute # XXXX. Discover after 30 days denied my dispute saying that XXXX provided tracking and its valid, I appealed the decission and provided screen shots from XXXX site they asked for but discover said it didn't matter. i still havent recieved this item. It seems discover has a know reputaion of siding with the seller in dispute cases from reading reviews. However, XXXX site indicated that this item was undeliverable and i would be refunded.
Consumer complaint received 2020-01-10
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX   XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2023-05-15
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (AZ)

Please read and see attached document. 
Original creditor reporting on my report as 0 . New creditor listed LVNV funding LLC which is RESURGENT CAPITAL LLC listed on my collections as balance of {$1400.00}. Contacted LVNV for debt validation. They never sent me a letter until it appeared on my credit report. I have attached copy of letter I sent to them back on XXXX of 2019 and have yet to receive a response. I have called them numerous times and can not validate debt. Please help
Consumer complaint received 2020-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am being charged 7 % interest on my XXXXyr mortgage and am in the process of trying to refinance my loan. To my surprise my credit score is low and when I researched the issue I found that Carrington Mortgage Services LLC has been reporting my mortgage as paid off in XXXX. My loan is open with an outstanding Principle balance of {$72000.00} as of XX/XX/XXXX, I have been making on time monthly payments of {$1400.00}. 

I have called several times and been transferred and dropped or asked to send a fax to which I never receive a response or action. 

I have tried to submit a complaint to Carrington by fax as instructed on XXXX and again on XXXX. I called to submit a complaint over the phone again on XX/XX/XXXX and was told by XXXX that they were actually showing my loan in Chap XXXX BK which is also incorrect. 

After further research she couldn't determine what was wrong or what to do so transferred me to her supervisor XXXX who also couldn't determine what was going on with my loan or how to correct it and refused to take my complaint over the phone. She directed me to send yet another fax to XXXX XXXX XXXX. 

I need help in determining exactly what status they have my loan and correcting my credit bureau history to reflect on-time monthly payments. 

Their incorrect credit reporting has kept me from refinancing my home and has forced me to continue to have an interest rate of 7 % which is way above current rate, I believe they should also be responsible for addressing the excess interest that I continue to have to pay and they continue to collect as profit
Consumer complaint received 2024-01-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bankof america sent out ten edd bank cards to an address where I no longer lived with over XXXX on them XXXX times on a claim I filed and the person used them all they never made this person one time go get bank verified and made me for the XXXX dollars is all I received outta XXXXand still keep denying my claim when there security was faulty
Consumer complaint received 2020-01-10
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)

I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.
Consumer complaint received 2020-01-10
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. (CA)

I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.
Consumer complaint received 2020-01-10
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND OUT THAT THERE WAS SOME NEGATIVE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND NONE OF THEM BELONG TO ME. BECAUSE OF THIS ISSUE MY CREDIT IS NOT IN A GOOD STATE AND IT IS CAUSING ME A GREAT DEED OF STRESS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-10-03
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: Experian Information Solutions Inc. (TX)

XXXX XXXX pulling my credit XXXX XXXX XXXX XXXX and experian having isssue removing my fraud alert with all 3 's experian, XXXX, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX