davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (OH)

I made contact with XXXX  Visa credit -XXXX XXXX   regarding my statement. It was showing a late fee and double payment due by XX/XX/XXXX. As I have " never " missed a payment before, I contacted them immediately to notify them I had not received my statement, or I would have paid it on time.

As a reult of my intitiation of contact with them, they waived the fee, as they could substantiate that I have missed a payment with them in the past few years.

So, since then I have been getting calls and texts. I contacted them today and was my account is behind.

I referred my statement states that my total is due XX/XX/XXXX. I was basically told yes, but I am still behind. 
I had made a partial payment yesterday and was the other half by the due as expressed on the statement. 
I felt there was a direct unsubstantiated attempt to coerce me to pay it today.

My bill says I have 2 weeks to pay ... .I don't feel the business practice, collection methods are concurrent with u.s. law. There were notes made in my account 3 days ago, I had made contact. I on my own fruition made my XX/XX/XXXX
payment yesterday {$80.00} and decided to pay the remainder by the due date {$80.00} on XX/XX/XXXX according to the statement due date given {$160.00} was due within 2 weeks ... from today.. 
I was told by the rep that no matter the statement says, I am still behind and my account is not current, but my billing statement reflects otherwise. I deferred to speak with a supervisor due to the conflicting information and have made contact with you. If I experienced this, I know others have as well.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone applied a capitol one bank account in my name and I never opened it up at all .... and I was in prison for 6 years and they refused to closed it and told me it will be on my credit report very soon if I dont settle the balance and I called and called they kept denying my claim and holding me responsible for it and said that my social security number was on the file with them for four years or more and I never had a bank account or a job cause I was in XXXX and my wife or her friends may be using my information and capitol one was applied in my name without my permiission
Consumer complaint received 2019-12-03
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service XXXX XXXX
Consumer complaint received 2023-03-14
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. (IL)

Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed documented proof of verification and validation absent incertitudeness.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-15
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. (GA)

I know my rights so please correct the following accounts.I reviewed the law located at 15 USC 1681i which describes your investigation responsibilities.Please complete this dispute in a timely manner and send the results to me so I can verify my credit.Thank you for your help.Please correct the accounts listed below. 

Account name : XXXX  XXXX Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : US DEPARTMENT OF EDU Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-03-15
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 
Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (GA)

I had a account wiith fortiva and i did not give fortiva consent to share my information and they are reporting it on my credit report they have violated Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NY)

We purchased a condo in XXXX XXXX, fl. Closed on XX/XX/XXXX. We received a letter a month after closing saying we needed flood insurance from the mortgage company. We are on the 3rd. Floor, the condo association provides flood insurance. We provided the mortgage company with the documents from the condo association. They are still stating we need flood insurance. No one else in the condo has flood insurance. The mortgage company proceeded to put us in collections and opened an insurance policy for {$3600.00} for flood insurance and opened an escrow account. We have contacted the mortgage company several times and they are still saying we need this insurance. Our broker said they should have never let us close if this was an issue. ThankYou.
Consumer complaint received 2021-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Received credit inquiry from Kohls on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.
Consumer complaint received 2019-12-03
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. (CO)

XXXX XXXX XXXX  is reporting bogus apartment debt. The account # is XXXX. I requested XXXX XXXX to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything
Consumer complaint received 2022-10-03
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1100.00}
Consumer complaint received 2023-12-08
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)

On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an XXXX, Equifax and XXXX account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 account with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$98.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$2000.00}. The original creditor is XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$750.00}. The original creditor is XXXX XXXX. 
XXXX account from XXXX with account # XXXX and a balance of {$310.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 


I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2022-12-07
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. (AL)

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.

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 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.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 2022-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Summer of 2020. I was behind on rent. Didnt receive an eviction notice or anything. So was confused about the amount that was due. Ended up moving out. Still had time to pay {$1900.00}. However now they saying I owe XXXX which I had no acknowledgment of. Asking for a good will removal. This had caused my credit to be terrible bad & not only that but caused me to be homeless.
Consumer complaint received 2022-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Yesterday, I completed a loan application with wells Fargo yesterday, and downloaded all documents available to me along with the preapproval for 15 years, later on, the mortgage specialist sent me a preapproval letter with 20 years which is completely different from what I applied and received. They are trying to take advantage of my accent simply because I'm a foreigner. 
I have the preapproval letter from Wells Fargo with the correct rate and year then loan officer sent me something completely different ; simply because I'm a foreigner and since I have an accent they think they can take advantage of me.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (IN)

I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.
Consumer complaint received 2019-07-14
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. (TN)

I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise them.