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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint filed with Trans Union, XXXX and XXXX regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all reports.
Consumer complaint received 2021-06-20
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: MoneyLion Inc. (TX)

Someone fraudulently opened an account with Moneylion INC . I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX Money lion ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I paid for a XXXX reservation on XX/XX/XXXX in the amount of {$540.00} for a stay from XX/XX/XXXX to XX/XX/XXXX. There was a free cancellation that expired 60-days prior to the stay. I went on my trip, and checked in to the apartment on XX/XX/XXXX. My son found XXXX  XXXX  on his bed and was bitten during the night. I notified the host and explained that I could not stay as the place was uninhabitable due to XXXX XXXX. I told him I was checking out and wanted the remaining nights refunded. He refused, stating that the cancellation window expired 60-days prior and that he would send someone to investigate the XXXX issue. After an hour, I left, and have since been trying to get a partial refund from the host and XXXX but not getting anywhere. I filed a dispute with my bank because the service paid for was not as described, and they investigated but told me that according to XXXX policy, I had to dispute within 120 days of the transaction. How is that even legal, when the service was not yet in effect until almost 150 days after the transaction date? Basically the consumer is being penalized for not disputing transaction for a service not received. It makes no sense whatsoever.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MN)

I closed an account associated with Comenity Bank. The last payment was suspicious, but I paid it in order to close the account. I recently received and email see below for an account I no longer have XXXX  XXXX What they will then do is charge me for a returned payment fee or some other fraudulent claim : One-Time Payment Step 1 : Select Payment Details Please submit payments for todays date by XXXX XXXX. Eastern Time ( ET ). 

Select Payment Amount Minimum Payment : {$6.00} Pay this amount by your due date to avoid late fees and keep your account in good standing ... 


Statement Balance : {$6.00} Current Balance : {$6.00} Other Amount : $ Save on Interest : Select to Calculate Payoff Balance : Select to Calculate Select Checking Account XXXX  ... XXXX There was an error with XXXX  ending in XXXX. 
Select Payment Date Due Date by XXXXXXXX XXXX ET : XX/XX/2021
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/year>, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I recently changed my email address and no longer have access to my previous email account. I contacted the credit card company by phone to change my email account details on XX/XX/XXXX. Because I do not live in the US I am unable to receive a verification code on my cell phone. After 1 hour on the phone and 3 different agents, a weblink was sent to my NEW email account asking me to upload 2 ID documents to verify my identity. I did so, uploading my US passport and an Irish drivers licence. I was told I would be contacted to confirm the change. I was never contacted. 3 weeks later on XX/XX/XXXX I phoned the company back. Initially the representative told me that they had only received one ID ( my drivers licence ) and she insisted I had been phoned about the problem. Then she said that actually they had received my passport scan but it had failed verification. When I asked for more details, she admitted that although they had attempted to phone me, the call had failed. I asked to speak with a manager. I then spent 90 minutes with the manager who insisted I had to go through a process on my smart phone for real-time verification of my passport. Once again, they used my NEW email ID to send me the weblink for this process. However the process repeatedly failed. When I asked for another option, the manager said that I had failed multiple verification processes and when I asked him to explain what I failed he refused, saying that it would compromise their security to tell me what I had failed. To that point I had answered every security question correctly, and I had provided them with the documents they requested. He said there was no way the company could change any of my 'sensitive ' information, and they are refusing to change the email ID associated with my account. This means that they continue to send my account information ( balances, statements, etc. ) to an email account which I no longer have access to, and which could be hacked or accessed by the internet provider without my knowledge. Their 'security ' requirements are unreasonable and are actually compromising the security and privacy of my account information.
Consumer complaint received 2022-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally use.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Texas Guaranteed (CA)

XXXX has been servicing my loans since 2008 or longer I 've been a XXXX since, I also have student loans through XXXX. All were and have been in good standing ( deferred ) until XXXX drop the ball and defaulted all of my student loans they were holding. According to them they were n't aware of my school attendance. I then provided documentation that I have been in school and so they began to repurchase my loans, all except XXXX of my loans. My XXXX loans. Reason being is their saying that they are no longer servicers of those XXXX loans and that XXXX are the new servicers and that navient needs to repurchase them. Even though XXXX by error defaulted them cause they were holding the XXXX loans at XXXX point but now that they defaulted they are no longer the sevicers and do n't have access to repurchase the loans. So I 'm stuck in a situation where I ca n't go to school and get financial help as a single mother of XXXX trying to better myself I do n't qualify for financial aide services etc because I have XXXX loans showing defaulted. The grantors that have the loans are harassing me for payments and threatening garnishing my wages. I ca n't afford this I 'm barely making ends meet! I 'm trying to finish school to better myself and this has become a total nightmare. I call navient they say they ca n't repurchase cause they were n't the ones who defaulted the loans blas blas. I just need my loans repurchased! I do n't care who repurchases them. I 'm stuck in the middle of this nightmare XXXX made by error. And they do acknowledge it was an error but ca n't seem to help fix it! Can someone please help me? This is n't right. And if I ca n't attend school next semester due to these default loans on my account then it will only make matters worse cause then all my other differed loans will come out of deferment because I 'm not attending school, but how can I attend when I do n't have money to pay out of pocket and government wo n't fund my schooling with defaults on my record!?!!! Ive contacted the OMBUDSMAN for help as their looking into the matter as well, but now the grantors are garnishing my wages and Im sitting here in tears and stressed out trying to figure out how will I be able to provide for my children and keep our home with my checks being garnished by XXXX grantors XXXX and TG. This is wrong I hope I can sue for this hardship and stress these companies and lenders have brought to me by error and nobody seems to be able to help much and or fast enough so I have to sit here and suffer. This is so wrong!
Consumer complaint received 2021-06-20
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. (FL)

On XX/XX/21, XX/XX/21, XX/XX/21 I submitted documentation specifically requested by an Experian representative I spoke with by phone to accompany a dispute with a car dealership that im currently in litigation with and is falsely reporting a repossession on my credit. The documentation Ive provided has been more the efficient to remove this from other bureaus. It adequately proves my payments as well as my rights as a consumer to have it removed due to discrepancies in information reported by the company. Ive been unable to purchase a vehicle due to Experians lack of cooperation and lengthy investigations leading to no resolution
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I've been monitoring my credit score and my credit reports because I wan na buy a house, well on XX/XX/XXXX I received an email alert that my Trans Union Credit score dropped 20 points, all my accounts are up to date, all my accounts are paid on time even before they are due I made a car payment 2 weeks in advance and within a week my Trans Union score had dropped. I called them and they said they would initiate a refresh well that only brought it up 2 points. I am trying and hoping to buy a home next year and have been diligently working on this. My XXXX and XXXX are in line with each other, my Trans Union was always behind 20 points and now it's 40 points behind. This is not right for a company to weld so much power over your life and future and not take responsibility for their error or computer glitch or something. 
If this has happened to me how many other people have had the same experience with them. 
Please help.
Consumer complaint received 2021-06-20
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: ALLY FINANCIAL INC. (PA)

One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the 800s but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.
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: EQUIFAX, INC. (GA)

I have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. XXXX copy attached ) So it has now been
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (NY)

This company is very rude to me I applied for a store card with them online and it give me a reference number to calll to process when I do they wont and give me a hard time I hate them they treat me like. Garbage and when I go to their store they discriminate me they dont want to give me an account and its not fair they will make any excuse to not process my application or approve me
Consumer complaint received 2021-06-20
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (TX)

I am filing this complaint because XXXX, Experian and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-06-20
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: Experian Information Solutions Inc. (MN)

On XXXX XXXX I received an email alert of FICO decreased from Experian Credit Company. I opened up my email this is what was found : XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts Learn more Experian data XX/XX/XXXX I reached out to Experian about why my score has dropped on XX/XX/XXXX and still no reply back. The reason for the decrease was because of low credit usage. I don't have to use my credit cards! I worked hard on my credit! This company keeps playing with my credit scores and I'm very upset! XXXX  and XXXX XXXX are great! This company needs to be investigated immediately!
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

I have disputed this account with the credit bureaus and The Bureaus. I have received no response whatsoever. I do not know who The Bureaus are, or why they are on my credit, I have never done any business with them, ever. I have no contracts signed with the bureaus, and the debt remains unvalidated, but they keep calling me at home, on my cell, and at work, and I have begged them not to. I have no relationship with The Bureaus and want them to leave me alone. I believe they have been using unfair debt collection practices and also have used abusive language towards me when I asked them to leave me alone.
Consumer complaint received 2021-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a XXXX  complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing