davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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 just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express aggressively campaigned for existing members to add an interest bearing credit account to their traditional legacy charge cards. The terms included accessing a late fee if you were 30 days past due on your account which was consistent with their charge card policy. 

Now in the middle of the Coronavirus pandemic and financial difficulty for all, AMEX is looking to capitalize on everyones misfortune by Informing cardholders on their XX/XX/2020 statements that they are changing this policy to start charging large late fees IMMEDIATELY when minimum payments are not received by the due date, essentially 30 days earlier to what it was. 

Not only is this an underhanded stab at cardholders, it is a cruel, cold, and calculated way to profit from the misfortunes caused by the Coronavirus outbreak!
Consumer complaint received 2023-02-06
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: 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 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 2022-09-15
Product: Credit card or 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: Comerica (MO)

I stopped using My " Direct Express '' prepaid card in about XXXX of XXXX but the card still had a balance of over {$1600.00}. After using the card in XXXX of XXXX I noticed a serious discrepancy in the balance.After some checking I realizing about the fraudulent charges and called Direct Express customer service and fraud departments immediately informed them of the fraudulent charges, reported to miss use online, canceled the card, had a new one issued, requested the necessary paperwork to file the report be mailed, and filed a police report. Also ... In my first conversation with the agent at Direct Express ' fraud department I was informed that the fraudulent amount charge look to Total around {$1300.00} to her and if I filed the paperwork that would be mailed to me and return it within 10 days I would be giving a temporary credit for the amount claimed was stolen while the decision was being made. Direct Express did not mail the paperwork needed from their office for 7 days and I did not receive it until 11 days after the initial report had been made canceling any chance I had a receiving a temporary credit. I've read online that this is a common practice with this company.Once I received an itemized statement from XXXX to XXXX I realized that there were hundreds of these online charges ranging from one cent to around {$40.00} totally around {$1500.00}. I filed a complete report itemizing every charge including the police report number filed and the officer that filed it and waited for a response. After about a month I received a letter saying my claim was being denied and that they believed all charges were made in good standing by me. I called Direct Express ' fraud department, informed them that this was incorrect and was told that they never requested a copy of the filed police report saying it was not necessary and the decision was final, there was no appeal process, and there's nothing that I could do about it. I have copies of the entire claim report I filed with Direct Express fraud department as well as copies of the police reports I filed at my local police department about the fraud if needed.
Consumer complaint received 2020-03-22
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)

I RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

I requested validation of this account alone with itemized payment dates. 
My last communication was on XX/XX/2021. 
Until now I have not received any proper investigation report .Neither I was informed about such actions.As required by FCRA Duty to Provide Accurate Information : FCRA 623 ( a ), this account must be deleted from my report and blocked from the further appearance .Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b )
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

After I was laid off due to covid-19 I called credit acceptance to see if I could change the due date or defer the payment for a couple weeksso I could get a clear pucture of my financial situatio, they said no, we will not make collection calls, however reposessions, credit reporting and late fees are moving forward as always.
Consumer complaint received 2020-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IL)

My household income decreased in XX/XX/XXXX. As a result, I fell behind on mortgage payments beginning XX/XX/XXXX. I began working with the XXXX XXXX in XX/XX/XXXX for mediation in efforts to get a loan modification and continue with mortgage payments. All requested paperwork required for the mediation review was submitted to the lender ( Loan Depot ) through the XXXX XXXX  multiple times. Loan Depot would respond requesting updated paperwork after 1 month had passed. XX/XX/XXXX I attended mediation with the XXXX County court leaving with the understanding I would receive a plan from the mortgage company within 30 days. XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX again requesting new pay stubs, new hardship letter, copies of all bills, copies of bank statements, a new uniform borrowers assistance form and another copy of my husbands drivers license. All of these documents have been submitted 3-4 times since XX/XX/XXXX.
Consumer complaint received 2024-01-02
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. (NY)

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am compelled to express my utter dismay and consternation at the deplorable handling of my credit report dispute by Experian. Despite my submission of incontrovertible evidence, including certified mail receipts affirming their reception of my dispute documents, I was confronted with an indefensible repudiation asserting that the submissions were not authenticated as mine. This egregious dismissal of my legitimate attempt to correct palpable inaccuracies on my credit report not only impugns the credibility of the credit reporting process but also inflicts significant financial prejudice upon me. The obstinate refusal of Experian to acknowledge and rectify the errors, in spite of undeniable proof of submission, constitutes a flagrant dereliction of their obligations to ensure accurate and equitable credit reporting. Contrarily, it is noteworthy that XXXX exhibited due diligence and professionalism by promptly addressing and resolving similar disputes, underscoring the stark discrepancy in commitment to consumer rights and accuracy among these entities. How embarassing for Experian.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, yet they are being inaccurately reported.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (WA)

The month XXXX XXXX and XXXX I have sent checks to Hunter Warfield INC they are not reporting on time or not reporting at all at the same time they are not returning my checks the amounts reported are not equivalent to what I have payed down. 

Also this debt decision was unfair considering that they are two parties involved they have decided to go after me individually when XXXX clearly knows the other parties involved
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (WA)

Talked to a discover card representative stating that I would like to pay down my account to a level were I can use my credit she said thats a good idea you should when I payed Discover card down under my limit. 

They said they had closed my account and even though I continue to pay them the charges are way beyond the agreed payment amounts Before you know it you owe four times you borrowed They dont call or send you a reminder you just see the harm in your credit Discover card ignored the presidents Trumps decision to stop interest it charged me interest during codvi19 and reported it to credit bureaus false information I once asked why cant I see my fico score the lady said you wont see any until you pay off your credit card I dont know how many times over I will have to pay discover card
Consumer complaint received 2020-04-15
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. (GA)

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. Transunion, XXXX and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Consumer complaint received 2020-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Heartland ECSI serviced my student loan for XXXX XXXX XXXX XXXX, account XXXX. I refinanced my loan, and following the instructions by the lender, I continued making my payments while my refinance application was being processed. The process completed, and my loan was paid off. In the process, there was also an excess payment of {$80.00}. I have been trying to contact ECSI to get this refunded, and I have been getting the run arounds phone tag. They sure are quick to add any unpaid interest and report to credit bureaus for any late payment, but I can't get a simple refund of {$80.00} that is owed to me.
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

I had a streamline refi on XX/XX/2019 for my mortgage with Freedom Mortgage. XXXX XXXX, from XXXX  XXXX came to my house & we signed the paperwork. I was told NOT to pay XXXX 's mortgage, but give them $ XXXX, at time of settlement for the new loan. The loan was supposed to disperse on XX/XX/2019 and to date, XX/XX/2019, the title company has not received the dispersement. 
# 1. My mortgage is now past the 15day grace period. 
# 2. When I spoke to XXXX /Freedom Mortgage on XX/XX/2019 he said that it should go out on the XXXX wire, or the next day on the XXXX wire. I called him Friday to find out what is going on, but haven't heard back from him & I feel he is obviously giving me the run around and has no intention of following through with my loan. 

This all started back in XX/XX/2019 when I electronically signed refi paperwork. The loan amt was {$210.00}, int. rate 3.625 %, monthly principal & Interest {$1000.00}. with Mortgage Ins. of {$130.00} p/month and estimated escrow of {$230.00} p/month, the new Estimated Monthly Payment would be {$1300.00}. Which they never honored.
Consumer complaint received 2020-04-01
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my report.
Consumer complaint received 2020-03-23
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: EQUIFAX, INC. (CA)

This a follow up/continuation of CFPB Complaint # XXXX. 

I want to amend my XX/XX/XXXX complaint. 

In my original complaint, I asked for {$1000.00} from Equifax to assist in my efforts and pain to fix their gross error. Since then I have received written evidence from Equifax that they did not follow their own security/identity protocol. The XXXX XXXX letter indicates that the fraudulent applicant used the wrong mailing address ( for me ). XXXX XXXX caught the attempt, but Equifax did not. Why so? I have provided you the correspondence as evidence. 

Because of Equifax 's ongoing negligence ( since XXXX ), I am now growing my demand to {$10000.00}. I am not interested in their excuses nor appeasements. Regardless of Equifax 's size, gross revenues, time in the industry, Equifax does NOT know how to run their show/shop and CONTINUES to HARM we consumers. There MUST be a SIGNIFICANT PENALTY for their INEXCUSABLE behavior. 

I will wait the 60-day period to receive a proper, non-form reply from Equifax, but know that my new demand ( {$10000.00} ) will not wither. 

I am beyond displeased by Equifax 's outrageous incompetence. 

Thank you, Senator XXXX XXXX, for helping to create your bureau ; that CFPB exists to help we abused consumers. 

Sincerely, Mr. XXXX
Consumer complaint received 2022-10-10
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC (NC)

In XXXX of 2018, someone used my personal information and opened up two accounts with XXXX XXXX, one checking account and one credit card. I resolved this with XXXX XXXX  at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called Apelles LLC saying I owe them for an unpaid debt from XXXX. I have tried to resolve this with the collections agency by letting them know this was already taken care of with XXXX, but they said I need to deal with XXXX  to get the account closed. When I called XXXX XXXX, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.
Consumer complaint received 2022-10-10
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are 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 files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (CA)

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these accounts lates will be removed. 
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