davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (IL)

What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and one more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX just reported to Transunion and XXXX that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

To Whom It Concerns : A collection agency, LVNV Funding purchased XXXX separate long since " closed and written off '' accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) probably for {$100.00} each. My complaint is that LVNV funding, has been allowed, at the credit bureau ( XXXX ), to adjust the original amounts of final debt and dates of such debt. with the original creditors. Such adjustments have changed the " seven-year reporting timeframe '' of such debt ( extended the dates of eventual removal of such debt and added dollar amounts to the original debt that were not incurred with the original creditors ). Such reporting is unfair and inaccurate. 

I am requesting that the original reported dates and amounts by the original creditors be reported, not LVNV Funding 's dates and amounts.
Consumer complaint received 2023-01-06
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: TRUIST FINANCIAL CORPORATION (SC)

I have a XXXX card that was charged on while I was not in that state. I'm in South Carolina, the 3 charges were made on a fraudulent replica of my card at XXXX store in XXXX, XXXX, store # XXXX. Charge # XXXX XXXX, at XXXX trans. # XXXX. XXXX. Charge # XXXX at XXXX trans. # XXXX amt. XXXX. Charge # XXXX trans. # XXXX amt. XXXX. I made Police report in XXXX XXXX SC, where I live. Case # XXXX. They won't cross state lines. My bank is Truist Bank. My claim # XXXX. My card # is XXXX XXXX XXXX XXXX. XXXX. My phone # XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX. A good contact person at the bank is XXXX XXXX
Consumer complaint received 2023-01-06
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. (OH)

I sent Equifax a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in Cushman v. TransUnion, 115 F.3d 220, 225 ( 3rd Cir. 1997 ) and Stevenson v. TRW ( Experian ), 987 F.2d 288, 293 ( 5th Cir. 1993 ) that this type of verification is inadequate.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

Equifax. Equifax appears to have wrong address or other personal info. Can not get beyond the ROBO answer machine to unfreeze credit report. 

Equifax created the need to freeze accounts and yet is too despicable to answer calls from their victims.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (GA)

I had a charged off account from 2018 with roomplace/Comenity bank. The debt was charged off, and a debt collector XXXX XXXX XXXX XXXX bought the debt and now is trying to garnish my wages. This is illegal, as I have no business with them. My original debt was charged off my roomplace/comenity bank.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Hello, There is a Bankruptcy on my credit report that isn't mine. I believe it's fraud. I've disputed this item multiple times and they haven't removed. Per the 609 section & regulation they need to send me a copy of my signature and the originial contract. I haven't received the person they talked to or anything. I need this removed asap. The case number is XXXX. This was filed with the XXXXXXXX XXXX of Bankruptcy. I wrote a letter to the court asking them to send me something in writing saying the did not report to the C/B, I have that as well.
Consumer complaint received 2022-02-18
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$1800.00} XXXX XXXX XXXX : XXXX -- -> : {$3300.00}
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service (NV)

They want to play games. So I will play them. Please respond with the requested documentation. I am asking that they send me the signed contract bearing the wet signature of whomever opened the account. I am requesting that all documentation that will stand in the court of law, outside of a invoice ( unacceptable ) be given to me per FCRA 623, & 609.
Consumer complaint received 2020-04-07
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. (TX)

I've been going back and forth with Transunion and XXXX trying to ensure that my credit card is being reported correctly. I have had excellent history and had this XXXX since XXXX. I've contacted both agencies 3 times in order to resolve the issue. Each side continues to say its the other 's fault. XXXX stated that there is some sort of ID block or fraud, I contacted Transunion and they said they removed a freeze and a lock on my report and to have chase resubmit a reinsertion request which chase has done. I keep going back and forth with these XXXX companies and no one can seem to resolve the issue and I just want it fixed. I believe when I had some identity theft back in XXXX they XXXX have messed something up on transunions end and filed something incorrectly. They say the Transunion XXXX XXXX can fix this but I'm tired of being on the phone. I've spent over XXXX hours total talking to both of these companies and am Fed up and need a resolution. Thanks!
Consumer complaint received 2020-04-07
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. (NY)

Last application was sent to TransUnion on XX/XX/2020 and that was received on XX/XX/2020. This was second attempt to get unauthorized hard inquiries from my credit report. I have not received any reply for over 30 days. I have both copy of letter sent and proof of delivery through certified mail. 

I request your help in resolving this issue as there is clearly violation of Fair Credit Reporting Act.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STATE EMPLOYEES CREDIT UNION (NC)

I received a credit card from state employees credit union when i was a college student. At that time when i was in college i was poor and had a poor knowledge of how credit worked. I grew up in a family where financial literacy was not taught and they affected my knowledge and ability of how to utilize credit and pay it back. So while i struggled to pay the interest payments back i got behind and couldnt keep up. Once i got behind on the payments they closed my credit card. I fell on hard times and lost my job so i couldnt make the payments they wanted me to make so they closed and charged off my debt. I called to initiate a settlement and or a cheaper payment but they would not accept it. And after they wouldnt accept it they placed a negative remark on my credit profile and that negative remark has effected me for years to get an apartment in nicer places and from getting a decent interest on a car. I feel i have suffered long enough especially since I have tried to settle with them.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I, consumer, XXXX XXXX received a alert from XXXX XXXX on XX/XX/XXXX in regards to a closed account. Capital one closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by Capital One.
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

Good evening, I was transferred to " Fed Loan Servicing '' in XXXX of XXXX. Previous I was with " XXXX XXXX ''. I have reached out 3 times over 18 months, the latest time on XX/XX/XXXX, regarding an error in the number of " qualified payments '' I have made towards my PSLF loans, with no response other than " we'll be in touch ''. My PSLF number of payments are incorrect. As of XX/XX/XXXX, " Fed Loan '' shows i have made 38 qualifying payments. However, as of that date, my records show I have made 55 qualifying payments. I have been on an IDR since XX/XX/XXXX and have been a government employee since XX/XX/XXXX. I have submitted two ECFs in this time frame. I am thinking the problem arose when i was transferred to " Fed Loan '' as my servicer. I have my records from " XXXX XXXX '' which I also sent to " My Fed Loan ''. Please help. Thank you.
Consumer complaint received 2023-01-06
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. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-04-07
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 (IN)

Huntington bounced one of my checks. I opened this checking account because the bank told me I had a 24 hour grace period overdraft period. I used my debit card online by accident. I have a credit card with another bank that looks just like Huntington 's card that caused my Huntington account to be overdrawn by {$5.00} -- IT WAS MY FAULT BUT IT WAS ACCIDENTAL. My rent check bounced because I was short by {$5.00}. I have had my Huntington checking account for 7 years and have never bounced a check. I called the Bank and they told me the 24 hour grace period is at their discretion whether to honor the the grace period. My question is this -- -what are the discretion parameters???? If they do not honor a {$5.00} shortage in funds then they really don't have a 24 hour grace period -- advertising a 24 hour grace period and not allowing a {$5.00} shortage in funds is close to fraudulent and not acting in good faith to me as a long term customer in good standing.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON MULTIPLE OCCASIONS I HAVE ASKED THE BUREAUS TO REMOVE THESE UNAUTHORIZED INQUIRIES. NO ONE HAS HELPED ME.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NH)

I opened up a credit card and gave them the information on my other credit card to do a balance transfer, 0 % until XX/XX/2023 and they transferred it to a savings account # XXXX that did not have a balance on it. I was not aware there was a XXXX on my savings account. There was no letter giving to me by the State or my financial institution that was supposed to be sent out about this XXXX. I was opening the new card up to pay another credit card. I am now paying for 2 payments and plus a balance transfer fee of XXXX, when it was not sent to my credit card # XXXX because there was no CC account number on the check sent in to XXXX.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

EVERY TIME I TRY TO USE MY DEBIT CARD AS CREDIT AT ANY XXXX STORE CHASE CONSTANTLY STOPS ME AND WHEN I ASK FOR AN EXPLANATION IT IS A DIFFERENT EXCUSE EVERY TIME ALONG WITH THE EXCUSE THAT THEY COULD NOT READ THE CHIP ON MY CARD OF WHICH IS A BUNCH OF LIES. ON XX/XX/2020 I TRIED TO CHARGE {$400.00} AT XXXX IN XXXX NY BUT I WAS DENIED 2 TIMES. I THEN PAID MY PURCHASE WITH A CHECK. LATER ON I WENT INTO THE BRANCH ON XXXX XXXX XXXX S/W WITH XXXX WHO CALLED I GUESS THE BACK OFFICE WHO INFORMED HIM THAT I GOT DENIED BEING I HAD NOT USED MY CARD AT THE XXXX STORE FOR SEVERAL MONTHS OF WHICH AGAIN JUST DIDN ; T SHOCK ME BEING I HAVE BEEN GIVEN THIS SAME EXCUSE BEFORE. I REC 'D A CALL FROM CHASE LAST MONTH FROM RECORDED LINE OF WHICH I REFUSED TO ACCEPT UNLESS THE CALL CAME FROM AN UNRECORDED LINE OF WHICH NEVER TOOK PLACE EVEN THOUGH I WAS PROMISED I WOULD. I THEN REC 'D VOICE MAIL MESSAGE FROM XXXX WHOM I CALLED LEFT MESSAGE ON HIS VOICE MAIL TELLING NOT TO CALL ME FROM ARECORDED LINE. HE CALLED ME BACK FROM A RECORDED LINE FOR WHICH I REFUSED TO ACCEPT AND HIS STUPID ANSWER WAS TO GO INTO A BRANCH. I INFORMED HIM WHEN THIS MEDICAL EMERGENCY IS OVER I WOULD TAKE LEGAL ACTIONA GAINST THE BANK AND WITH THAT I HUNG UP THE PHONE REALLY ANGRY. TODAY I REC 'D A LETTER FROM THE BANK IN WHICH I WAS GIVEN THE EXCUSE THAT THEY DECLINED MY PURCHASE AT XXXX BECAUSE THEY COULD NOT VERIFY THE CHIP ON THE CARD. FURTHER ANYTIME SOMETHING GOES WRONG CHASE TEXTS ME AND I HAVE INFORMED THEM MANY TIMES I DONT WANT TO RECEIVE TEXT MESSAGES AND THEY REFUSE TO STOP SENDING ME TEXT MESSAGES. I AM UP FED. LASTLY TWO DAYS AGO I CHARGED {$840.00} VIA ONLINE PURCHASE AND AGIN CHASE STOPPED MY PURCHASE SENT ME A FRAUD EMAIL OF WHICH I CONFIRMED. WHAT IS THEIR EXCUSE FOR STOPPING THIS CHARGE? I AM FED UP WITH CHASE CONSTANTLY BLOCKING MY PURCHASES WITH XXXX  AND ANYTIME I USE MY CARD. ENOUGH IS ENOUGH.
Consumer complaint received 2020-04-07
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. (AR)

I having been going back and forth as of late with the credit bureaus due to someone impersonating my identity and opening several accounts without my knowledge. This has truly caused a devastating financial impact on my current situation. I have submitted several pieces of correspondence including my identity theft report # XXXX, copy of my driver 's license, utility bill, and social security card. I'm aware of the 30 day time frame alloted under the Fair Credit Reporting Act the bureaus have to to provide accurate verification. The fraudulent account in question is ( Dept of Edu # XXXX ). This is account was established from the direct result of identity theft and should of been blocked within 4 days of XXXX, XXXX, and Equifax of being notified after receiving my identity theft report from the Federal Trade Commission. Equifax has and continues to violate my consumer rights under the Fair Credit Reporting Act in regards to consumers who have been a victim of identity theft per section 609 and 611.I have provided more than the required documentation to support my claim and Equifax should adhere the FCRA laws XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

I rented from an apartment complex called XXXX XXXX  ran by XXXX XXXX XXXX located in California. I was a tenant for 2 years. Upon my move out the property XXXX went through my apartment and charged me for things that were clearly wear and tear items, like flooring a bathroom, mirror that had faded in some parts, a XXXX cleaning fee and other dubious /suspect charges. She told me that if I didnt pay it they would sue me ruin my credit and other harsh rhetoric. 
It was soon after this I started receiving calls from IQ data who posted this garbage on my credit report even though I disputed this garbage from this property XXXX. They sent me a boxed check letter which she filled out essentially saying XXXX owed this.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to XXXX XXXX I realized I didnt ha s my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I requested my free annual credit report online from Equifax through the website annualcreditreport.com. The site said that they are unable to provide it. As this error with Equifax has repeated each of the last seven years, I submitted a complaint on the above date with the CFPB requesting that my report be made available to me online each year. Please see Complaint XXXX for details. 

Equifax responded with a canned reply that seems to address a different complaint, but not mine, and then essentially the same error message I see every year on their web site. I responded with feedback, but when I submitted it I saw that the status of the complaint is " Closed ''. Apparently the complaint is closed once the offending company responds. 

Here 's a copy of the feedback I submitted : " Thank you for responding to my complaint. Unfortunately you seem to have misunderstood the problem. I did not report that there were " inaccurate or incorrect items reporting '' on my credit file, as your response states. I complained because you have not made my report available to me online for years. 

In your response you say, " the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. '' I stated clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX. You were able to finally verify it and send me my report each of those years, there is no reason you can't verify exactly the same information now. 

In my complaint I requested that Equifax fix the glitch that keeps me from receiving my free annual credit report online every year. Your response is simply a repeat of the error I see when I request it year after year. Sending you hard copies of my sensitive information was not enough to resolve this issue ; it must be something else in your system that needs to be fixed. ''