davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX  Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there.

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX.

Any assistance would be great so I apply for student loans for education.
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (CA)

I have my mortgage paid by the company Earn Up. Every 2 weeks they deduct {$620.00} from my checking account to pay my leader ( XXXX XXXX ) so that I make 2 additional payment a year. On XX/XX/XXXX they deducted the payment of {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ) on XX/XX/XXXX the deducted another {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ). See Attachments When I called Earn Up I was told that neither payment cleared the bank and that I needed to send them the proof that they did clear. On XX/XX/XXXX I e-mailed them copies of the statement from XXXX XXXX XXXX XXXX showing both payments had cleared even though the second payment over drafted my account by {$540.00} and I received an over draft charge of {$36.00}. 

I have called Earn Up every work day talking to the following people ; XXXX, XXXX, XXXX, XXXX and XXXX to name a few. I can never talk to a supervisor since they are always in meeting and even though I've requested a call back I have never received one. 

My account has now been suspended with no idea as to when or if they are going to pay my mortgage payment for XXXX. According to my bank they have received {$1200.00} and I have now been charged {$54.00} in bank fees. I have deposited into my account with XXXX XXXX XXXX XXXX funds to cover the over draft of {$600.00} so that I will not receive any more penalties.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/2019 an automatic payment was scheduled to be debited from my XXXX XXXX   account, by Infiniti Financial Services. My Bank shows that no such debit was ever attempted. 

On XX/XX/2019 Infiniti reversed the payment and mailed me a letter which stated that the bank asserted " No Account Found ''. 
However, this account was used for previous payments without any issue. 

On XXXX XXXX I was notified that there was a problem with the payment by Infiniti and at the suggestion of Infiniti used an alternate account to make the payment. I was out of the country until the XXXX and was unaware of the problem. Infiniti credited my payment on the XXXX of XXXX which was 31 days past my due date. 
I discovered that Infiniti reported me to the credit bureau ( s ) as being 30 days late. I contacted Infiniti and received the assurance that if I provided them with bank documentation showing that the account had adequate funds to pay the debit on the XXXX of XXXX, they would remove the 30 day status. 
XXXX investigated the matter at my request and wrote a letter which showed that the account was in place with adequate funds but that they never received a debit request. 

Despite meeting the requirement to demonstrate that the error was not mine, Infiniti has steadfastly refused to correct the reporting. 

I have spoken to numerous managers and sent letters demanding that this matter be corrected. They continue to refuse. They do acknowledge that my account was in good standing at XXXX   with adequate funds but state that since it was not there fault they can continue to report my account as past 30.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I never applied for card credit charge card in XXXX and XXXX. The account # on my credit report is XXXX. This needs to be remove from all 3 credit reports bureaus..
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

To whom it may concern, I have been with XXXX XXXX for a long time, and I have always appreciated the good value and service I have received from XXXXXXXX XXXX. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of XXXXXXXX XXXX and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? 
confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. 
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2023-12-06
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. (FL)

In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, TransUnion and XXXX illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, TransUnion and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.
Consumer complaint received 2019-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

I recently purchased tickets on XXXX, and I paid using PayPal, which I fund with my credit card. Despite having selected my credit card as my preferred payment method, PayPal pulled the funds from my stored balance. This is the type of sneaky tactic that PayPal used to pursue before it began advocating for consumer choice under the leadership of its new CEO. PayPal says that it wants to put its customers first and act as a consumer champion, but the company completely dismissed my complaint when I reached out both via email and phone. PayPal has gone out of its way to tell me that it would honor my preferred funding source and committed a misrepresentation by not honoring my choice. PayPal 's misrepresentation resulted a financial loss to me by preventing me from earning reward points on my credit card, and it resulted in a financial gain to PayPal by enabling PayPal to enjoy a lower funding cost than it would have had it honored my choice. 

In short, PayPal made a misrepresentation to me that resulted in my financial loss. Moreover, PayPal came to an agreement with Visa, Mastercard, and others in the payments ecosystem that it would honor consumer choice, and PayPal actions as described above suggest it is in violation of this agreement. PayPal 's actions also resulted in a financial loss to Visa and XXXX  XXXX XXXX, which would have been involved in processing the transaction had PayPal honored my choice.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX  said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple request asking that incorrect addresses and spellings of my name be removed from my credit reports. The Credit angencies have contiuned to ignore my request. 

the correct information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : NONE There should be no other listing of misspelled names remaining. I have found 11 differnet spellings and 8 wrong addresses on my report. 

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 2019-12-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/2019 I submitted a dispute with Equifax Credit Bureau for a collection account, XXXX XXXX ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
Equifax will not remove this account and the original creditor XXXX XXXX and collection agency XXXX XXXX has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but Equifax has refused.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

capitol one refuses to tell me why my information can not be verified. if i dont know why i can not be verified i can not fix it and reapply for another card. i need to know what they can not verify, that is not a reason to decline my good credit that i have. they still refuse to call me on my phone or by my email.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (GA)

On XX/XX/XXXX, XXXX, XXXX, my card kept declining as I was trying to purchase food for the amount of XXXX dollars. So I called the company and the company kept lying to me about resolving the issue.
Consumer complaint received 2023-05-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (WI)

on XX/XX/XXXX  I was taken against my will to the emergency room by the local police department after I was robbed. I refused all Examinations and I told the emergency room that I do not wish to be treated because I was unharmed. I never gave them my name or ID and refused to talk or be treated. The police department gave them my information and I started getting a bill. I called and explained I was not treaded there and I was told they will take care of it and it is now a negative mark on my credit. I pulled the records from their office and multiple times it states that i refused treatment. 
I was told if I do not pay it it will go to collections and hurt my credit and I was about to buy a home at this same time. It is now in the hands of a law firm and I told them them this is not a debt that I owe. Nothing has changed with this. I also have health insurance from my work that would have covered the majority of the cost but they didn't use my insurance either.
Consumer complaint received 2019-12-18
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. (OR)

XXXX  XXXX  is reporting I have a late payment on each student loan. Ive never missed any payments and this is incorrect. Id like proof of the missed payments since my payments are deferred and {$0.00}
Consumer complaint received 2023-01-23
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: ERC (LA)

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Consumer complaint received 2019-12-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX  and Experian Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there. 

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX. 

Any assistance would be great so I apply for student loans for education.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP (CO)

I applied for a mortgage for a purchase of a home with XXXX XXXX XXXX Mortgage Loan Officer NMLS # XXXX at XXXX. 3 Months after my loans was closed I received an email from my credit monitoring app that my credit was pulled again by XXXX XXXX in XXXX. 

I contacted XXXX right away ( XX/XX/XXXX ) and was informed that there was a system glitch and that company pull a credit on already closed loans and mine was one of the. Not only my credit was pulled with no authorization but all my info was sold to mortgage companies and I have been getting telemarketing calls every day. He insured me that they are in process of fixing it and I should see that reflected in my credit shortly. 
Since then, I followed up with XXXX on XXXX, XXXX and XX/XX/XXXX with no response. 

I also called mortgage servicing line with no resolution, since they asked me to go back to my loan officer. 

Apparently Key Bank that owns the XXXX XXXX Mortgage firm can just pull a credit on any closed files, with no authorization and not follow up with their clients to fix the issue.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022 I tried to open an account and was denied .I called on XX/XX/XXXX to find out why and was told that I would receive something within 10 business days and did not .So I again called on XX/XX/XXXX and the representative said they don't have to because its not a bank account it is a high yield savings account. According to the law they are obligated to let me know why I was denied so I can know how to fix the issue. I know XXXX XXXX  was fined for the exact same issue
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

CFPB, I'm not sure what I wrote in my original complaint XXXX that rather than investigating my concern, you determined " some of the information provided suggests someone other than you submitted the complaint without identifying themselves ''. How did you draw that conclusion? Because of your actions, this unverified account shows on my credit report INACCURATELY, and I'm being denied credit! I'M NOT XXXX. I CAN WRITE OR XXXX  A SAMPLE LETTER for my own personal use. If you'd concerned yourself with the documents, you would have seen where the equipment was returned to XXXX XXXX XXXX and I submitted a receipt as proof. That said, Credence Resource Management, your company continues to report a debt that is not owed. If this is not permanently and immediately removed from my account, my next letter is to my state AGs office and a consumer attorney regarding BOTH of your actions!
Consumer complaint received 2023-12-06
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. (TX)

I reached out to the company and reported it as fraud and requested a fraud packet to start their investigation. I have not received it, I can no longer get in touch with the company to rectify the problem and they have sent mail and people to my home.
Consumer complaint received 2019-12-21
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 was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these accounts.
Consumer complaint received 2019-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the account XXXX  XXXX  # XXXX**** does not belond to me and these following in quires are also not mine XXXX XX/XX/XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX XXXX , CO XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XX/XX/XXXX Credit inquire XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX Credit inquire XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX   XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance , personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX my information was stolen from XXXX  and transunion as well and I want these items removed asap.