davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Visa Card ending *** *** XXXX XXXX XXXX XXXX, PA XXXX Mobile XXXX Email XXXX I have had a credit card with this company for over 10 years. I have " always '' paid my account balance on time as to not accrue interest. I have moved away from using this card at the end of XXXX as they discontinued/ changed their rewards program. Knowing there were still some charges that would have occurred I felt as I receive my final statements, I would pay them off, use the balance of my reward points and close the account. If I closed the account prior to using the reward points I would lose them. 
I have a very large amount of reward points. 
" Since the beginning of XXXX I have not received a statement by either email or XXXX '' from XXXX for this account. I went on line to look into this, only to see fees and interest for unpaid balance. I immediately contacted XXXX ( XXXX XXXX ) to get an explanation. I was told on separate calls in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the statements were sent out electronically/ email. Today XX/XX/XXXX I spoke with a customer service rep that said my account was only electronic statements since I opened it, this is not true, it has always been paper. While on the phone I immediately paid my balance in full, including all fees and interest and locked the card so it could not be used. After 3 months of trying to resolve this, it was the most practical option. I then spoke to a supervisor at XXXX he said the change to electronic statements was made at the beginning of XXXX not when it was opened, this was different from the information I received for the initial rep I just spoke with. He also said that tech support at XXXX XXXX saw an error on the email statements, and they were not getting to me. He blamed it on a spam blocker at my end. XXXX XXXX response to the situation was not to contact me in an effort to resolve the issue, but rather just add on fees and interest, and freeze the reward points that I already earned, this is after repeated calls to rectify the situation. It is obvious that somewhere at the end of XXXX beginning of XXXX a change was made by XXXX XXXX to my account that resulted in me not receiving statements. Please note at no time was this a question of paying the charges that were made by me on my card, rather not receiving any notice that the bill was due. Then charging fees and interest and locking out my reward points so I could not access the remaining points. 
The fees and interest owed me are as follows Interest {$0.00} Interest {$5.00} Interest {$1.00} Interest {$17.00} {$26.00} Fees {$25.00} Total {$51.00} Owed to me I request that Capital One refund me the amount listed, as the error was made at their end and statements were not sent to me to allow me to pay my bill in a timely manner. 
Thank you, XXXX XXXX
Consumer complaint received 2019-06-19
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: EQUIFAX, INC. (CA)

I AM HAVING ISSUES WITH EQUIFAX, THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, I HAVE ALREADY CONTACTED THE CREDITORS THEY HAVE ADVISED ME TO SUBMIT MY IDENTITY THEFT REPORT. XXXX  AND XXXX XXXX HAVE ALREADY UPDATED THEIR RECORDS AND THEY HAVE REMOVED THE FRAUDULENT ACCOUNTS FORM MY CREDIT PROFILE. EQUIFAX IS NOT REMOVING THE ACCOUNTS, I DON'T UNDERSTAND WITH WHOM ARE THEY CONFORMING ANY INFORMATION, THEY ARE GIVING ME HARD TIME EVERY TIME I AM CALLING TO GET ANY INFORMATION IN REGARDS TO MY DISPUTE. I HAVE SENT THEM NUMEROUS TIMES MY IDENTITY THEFT REPORT, ALONG WITH MY OWN PERSONAL STATEMENT. I AM A VICTIM AND SEEMS LIKE THEY DON'T CARE TO HELP CONSUMERS IN ANYWAY.
Consumer complaint received 2022-04-19
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CO)

First reported to all three credit bureaus on XX/XX/XXXX that XXXX XXXX loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with XXXX  on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for XXXX on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to XXXX falsely reporting. 

Likewise, my Wells Fargo account was in a payment plan - never received that documentation from Wells Fargo account has been paid in full and should reflect that on my credit report ASAP too.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Credit Care, LLC (FL)

I started services with National Care Credit on XX/XX/2021, the company charged me fees upfront before any services were rendered. 

According to Fair Credit Reporting statutes 15 US Code 1679 ( 4 b no credit repair organization may charge or receive money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed ). 

Since XX/XX/2021 we have paid this company {$750.00} and have not seen any progress on our report. I called them at the beginning of XXXX to cancel services and they basically told me they will charge me again on XX/XX/XXXX for services even though I canceled. I do not want this company taking out any more money from my account, and am requesting a full refund for services not rendered.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (UT)

I have been demanding that Trans Union remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Trans Union has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Trans Union has FAILED OR REFUSED to provide me with the entire consumer file. 
Trans Union has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can TRANS UNION possibly verify and validate the tradelines? 

It is my belief that Trans Union is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Trans Union refusing to delete the following accounts, which are not registered in my state which means I can not serve them with notice of intent to file a lawsuit : XXXX. XXXX Trans Union has also allowed a DISPUTED COMPANIES TO FRAUDULENTLY RE-AGE multiple accounts, which I have never had a contract or done business with company who is retaliating against me for disputing their fraudulent account : XXXX. XXXX XXXX  XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 XXXX. XXXX XXXX XXXX re-aged to XX/XX/2022 ( XXXX separate accounts ) It appears that Trans Union has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN TRANS UNION PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY TRANS UNION. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.
Consumer complaint received 2024-03-13
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NV)

I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/2022. I JUST SPOKE TO XXXX FROM THE XXXX XXXX TAX OFFICE. @ XXXX. SHE JUST CHECK FOR THE REFUND PROCESS AND NO REFUND HAS BEEN REQUESTED FROM SHELLPOINT AT ALL REFERENCE PROPERTY TAX # XXXX IN THE AMOUNT OF {$6000.00} ISSUED BY XXXX XXXX XXXX  XXXX IS THE COMPANY WHO SENT THE CHECK TO A TAX ACCOUNT THAT HAS BEEN PAID IN PULL SINCE XX/XX/2022. SHELLPOINT MORTGAGE HAS ALREADY SAID 2X SINCE XX/XX/2022 THEY REQUESTED FOR A REFUND. THEY ARE LYING 100 %. NO REFUND HAS BEEN REQUESTED AT ALL. YOU CAN CONTACT FOR YOURSELF AND PROVIDE MY TAX ACCOUNT AS WELL GO TO THE LINK AND TYPE IN THE REFUND ACCOUNT # AND THE STATUS SAYS NO REFUND CHECK ISSUED. SO WHY IS SHELLPOINT MORTGAGE LYING??????? AS WELL I HAVE BEEN PAYING INTEREST ON THAT {$6000.00} SINCE XX/XX/2022. INTEREST IS OWED TO MY ACCT.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not updated my trade line for for XXXX since XX/XX/XXXX. This is an ongoing issue with Experian. All other credit bureaus receive the updates per statement and act accordingly. Experian has failed several times with updating my balance with the correct information. Thats several violations of the FCRA. ALSO, they will not let me dispute it when I tried on their website.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

As of XX/XX/XXXX I opened an account with Synchrony Bank on a multi-year split payment contract assuring even payments, no fees, and no-interest assuming no late payments. After assessing late fees I corresponded with a representative on XX/XX/XXXX regarding my balance and fees and was advised that making my initially assigned payment ( per contract ) fees would be dropped and my monthly balance would return to as written on contract. Afterwards, my account was never properly adjusted and I continued to receive late payment statements. On XX/XX/XXXX I spoke with a representative XXXX who informed me I had been misinformed and assured me an internal investigation would be opened regarding the representative who handled my account on XX/XX/XXXX, and should they find I was misinformed their " back offices '' would adjust my account as balanced. After receiving no correspondence, I contacted Synchrony on my payment due date to make my payment and discuss my investigation. I was informed on XX/XX/XXXX by XXXX that my investigation was concluded on XX/XX/XXXX and they had found that the representative I spoke with had not misinformed me despite XXXX 's assessment.
Consumer complaint received 2022-04-19
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 have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from XXXX XXXX XXXX.
Consumer complaint received 2022-04-19
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: SYNCHRONY FINANCIAL (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2022-04-19
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. (TX)

I have been addressing this problem for over a year. XXXX XXXX XXXX is reporting my account is a business account but the credit reporting agencies is still reporting it as a personnel account instead of a business account. 

On XX/XX/XXXX, I filed a complaint of fraudulent credit reporting activities of XXXX XXXX XXXX. During that time, I investigated months of credit reporting from all three credit bureaus and was disturbed from the inconsistencies of reporting on my credit report. I did not only find that the credit agencies allowed XXXX XXXX XXXX to change a XXXX XXXX account in the name of XXXX XXXX. to an individual account and call it revolving account in the name of XXXX XXXX. This change took place thirteen years after the XXXX XXXX Account was opened XX/XX/XXXX. But also, the credit bureaus reported this information without investigating the fraudulent data given to them from XXXX XXXX XXXX.
Consumer complaint received 2023-06-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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. (VA)

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.

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. 

XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXXAccount # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights unknown Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}