davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (MD)

On XX/XX/2020, I mailed ( certified mail ) a letter to Transunion credit bureau inquiring about negative information reported by " US BKPT CT PA XXXX '' in the file that they maintain under my Social Security number. I challenged the inaccuracy of this information and requested that within 30 days that they provide me with copies of any documentation associated with this supposed account, bearing my signature as well as information about their method of verification. They received and signed for the letter on XX/XX/2020. They did not indicate on my credit report that this item was in dispute, still, as of XX/XX/2020. They mailed me a response stating that they " verified '' the information via US BANKRUPTCY COURT, but did not say exactly who verified it for them or their contact information. I mailed them another letter in turn on XX/XX/2020 to dispute this information. I included with the letter also a copy of a statement from the clerk of courts stating that they do not verify public records to credit bureaus. This letter was received and signed for on XX/XX/2020. I received a reply from them dated XX/XX/2020, which was simply another copy of the credit report stating that the information is " verified as accurate by US Bankruptcy Court. '' Again, I mailed them a copy of the statement from the Clerk of Courts verifying that the court does NOT verify public records, so how can they possibly verify this supposed bankruptcy via the court? This is an inaccuracy in reporting and per FCRA, this information must be removed from my report immediately. In addition, they broke the law by not indicating on my consumer credit report that I am actively disputing this item. I have attached several documents for review and proof. I have attached two letters that I drafted to Transunion, as well as their responses. I have attached the letter I received from XXXX XXXX and the US Bankruptcy Court. I have also attached a copy of my credit report dated XX/XX/2020 which clearly shows that they have not noted that I am disputing this item on my report. Thank you!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-06-24
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. (TN)

Equifax continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my Equifax and the financial institution that the fraudulent loan was taken out with. I have provided Equifax with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Equifax is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately. If Equifax continues to do so, I will be forced to consider legal action against Equifax as this information being on my report is a violation of my rights and harming my ability to seek credit.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage loan was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I didn't expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my loan. They further refuse to apply my payment retroactively. Going forward I wont trust their auto pay and will verify my payment is made, but I ask that Newrez apply my XXXX and XX/XX/XXXX mortgage payment retroactively to the XXXX of the respective month. This is clear UDAAP practices given my inability to avoid the harm they are creating. 

I last spoke with XXXX XXXX who confirmed that there was a temporary autopay hold on my account that was supposed to have been removed on XXXX, but was not that prevented my XX/XX/XXXX payment from being drafted on XXXX and that there was a technical issues that prevented my XXXX payment from being collected. I was never contacted about the technical issue.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

It had been reported to all three credit bureaus that I have been late 60 days on the account. I have never been late nor have I been issued a late fee for being late. I contacted customer service for XXXX XXXX   and they confirmed all my payments by date and no late fees where issued on any of my statements, but still it has been reported as late on all credit files.
Consumer complaint received 2017-03-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (GA)

Cedar Financial has a debt reported on my XXXX credit report that I dont recognized nor have I ever sent notification regarding this debt. I understood this is related to a student loan but I have never attended school in the USA hence there is no way I can owe this debt.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$510.00}
Consumer complaint received 2020-04-07
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 (WA)

On XX/XX/2020 a membership fee of {$59.00} was added to my Capital One credit card. I have a credit line of {$300.00}. and feel I am being discriminated against as a senior and low income individual. 

When and why can they charge this fee? 

I feel distressed. 
Thank you for reviewing this issue. 
XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. Signs.com have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. This is my six complaint. Capital One gives me refunds and after the complaint is closed they add the charge back to my card. Its like fraud to me. And they are siding with XXXX instead of the customer. The product that I received was printed on the wrong side and I cant use it. I will submit a complaint every other day until my money is refunded.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I received an email from Capital One telling me that I was pre-selected for a new card with a {$1500.00} limit. In the email, it told me to start the " pre-approval '' process which I did. After entering all of my information, I got a response back stating I was pre-approved for the XXXX ( which I already have ) or the Venture for {$1500.00}. I chose XXXX, then it asked me to accept offers which I did. A few days later someone called me to confirm it was me who did the application before they completed it. I told them I did. Then they came back and informed me that I was approved for a {$500.00} platinum card. I already have a Capital One card and was only accepting the offer for a better card with a higher limit. This was not what I was told I was approved for when I selected the offer. At this point, the inquiry alone cost me 8 points.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (MA)

Back in XXXX of 2018 when I turned XXXX years old I applied for a AMEX credit card. Amex approved me for a blue cash everyday credit card with a {$2000.00} dollar limit. I was working at the time and making a living. I made 10 on time payments with that credit card until one month I lost my job and I could no longer make the monthly payment. This resulted in making one late payment for the month of XXXX in the year 2018. Through this hardship I tried to reach out to AMEX to see if they could work with me and forgive the late payment that happened almost 2 years ago out of a goodwill gesture and see if they could forgive my very costly mistake. Fast forward over 2 years later, I have made 20 on time payments and they still can't see past my one costly mistake. I have made an effort to make all my payments and be a responsible borrower, I would like to show AMEX that now at the age of XXXX I am a great person and I am someone who they can trust again.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Equifax, specifically Equifax 's secretary XXXX XXXX XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE TO OPEN UP FRAUDULENT ACCOUNTS PLEASE DO NOT OPEN ANY ACCOUNTS WITHOUT CALLING FIRST ( XXXX ) XXXX I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (NC)

Prince Parker a collection agency for XXXX XXXX XXXX XXXX and XXXX XXXX have repeatedly called me regarding collection of medical debt which should never have occurred. The debt is on my wife XXXX XXXX and I am XXXX. The medical costs were for my XXXX XXXX XXXX XXXXXXXX submitted us twice for debt collection on this same issue but in different amounts ( XXXXXXXX XXXX XXXX XXXX ). I have cleared this issue twice with XXXX billing department last on XX/XX/XXXX and was told by XXXX XXXX and Prince Parker that a letter would be provided showing the billing mistakes were their errors and the issue had been cleared up. Received another call from Prince Parker on XX/XX/XXXX which prompted this complaint. I paid my insurance deductible of around XXXX XXXX in XX/XX/XXXX and XXXX messed up the billing and collection from insurance company. I am also filing a complaint with the NC medical board on XXXX XXXX. FYI XXXX sent this to collections twice the second time was for XXXX. I actually received a refund from XXXX as I owed no money.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (FL)

Received a letter in the mail from American Coradius International LLC. 
It says I owe {$910.00} It says the creditor is XXXX. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX
Consumer complaint received 2022-02-17
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. (MO)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.