davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' 1, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXXXXXX XXXX XXXXXXXX ( see attached 2 ) and note sale and balance ( attached 3 ).

2, Remove or provide signed document that has both my wife and my name that supports the 600 month term ( attached 4 ).

3, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our 23 consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX XXXX XXXX ( XXXX ) according to the XXXX XXXX XXXX. There is an {$3700.00} difference according to the XXXX XXXX XXXX. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXXXXXX XXXX XXXXXXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXXXXXX XXXX XXXXXXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

Is XX/XX/2022 I was moving and needed a credit report for new landlord. 
I began being charged {$22.00} a month from Experian. I tried to call to cancel there is no customer service phone number. I tried responding by email, no response. I contacted my bank, XXXX, they told me various things in my many phone calls. If chase aggreed and credited me 2 months and cancelled the debt. Experian would reverse the credit and continue charging me. What did i need to do to cancel they must have known i was trying to cancel. EVENTUALLY, I got a XXXX representative who knew what to do and was able to cancel my subscription. She also credited me 2 monthly chareges because she was able to read notes on my account and see that i had tried to cancel this action. Experian reversed the 2 month credit and sent me an email that i was now on the free membership. I want nothing from them!
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (OH)

This company started calling me, I told them to stop calling me on the phone and send me something in the mail, they kept calling me, but soon stopped. I did receive a letter from this company saying that they were investigating, then it showed on my credit report that I owed this. I NEVER received anything from this company telling me that they were going to do this. I sent a letter, certified mail, on XX/XX/2024. The reply I got from the Post Office was, the company told the Postman to take it back to the Post office and they would pick it up there. I haven't received anything showing they ever picked up the letter. Here is a copy of the letter. 

Capio Partners XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, According to 18 USC 894, states Whoever knowingly participates, in any way, or conspires to do so, in the use of any extortion and means, to collect or attempt to collect any extension of credit, or to punish any person, for the nonpayment there of, shall be fined under this title or imprisoned, not more than 20 years. 
I need you to send a copy of any contract that I have with you, showing my wet ink signature, promising to pay you. Furthermore, I was denied credit for an XXXX Credit card, due to this egregious, unlawful crime that took place, with this information being on my credit report. You have conspired with the credit reporting agencies, also, I need your license number to collect in the State of Ohio. 
I want this REMOVED from my credit report, within 30 days of the delivery date of this letter! Furthermore, you DO NOT HAVE MY PERMISSION TO SHARE MY INFORMATION WITH ANY OTHER PERSON OR COMPANY. 
If I do not receive a written reply within 30 days, I will access damages, which you will be invoiced for and expected to pay. DO NOT CONTACT ME BY PHONE OR TEXT!!!! Every attempt to contact me by phone will be documented and I will add {$100.00} per attempt to the damages. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I have previously disputed a billing error with this account in the past referenced in complaint number XXXX, and during the investigation process I have been unable to utilize my SAMS CLUB MASTERCARD account after learning my account was closed by the creditor. From my understanding and awareness, according to 15 USC 1666 ( d ), there should be no restriction or closure on a on an disputed account. I also received correspondence that all funds were adjusted during the investigation, see attached exhibit. I have yet to receive any investigation results
Consumer complaint received 2023-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My problem is with the credit bureau, XXXX and TransUnion. I think they are messing with me for some reason. There is no reason for my XXXX XXXX to jump anywhere from XXXX to XXXX points in XXXX month. The reasons they give are ridiculous. I wish I could send copies of my reports. For instance in XXXX they lowered my score XXXX points because XXXX XXXX XXXX increased my credit limit from {$1800.00} to {$3000.00}. Yesterday TransUnion lowered my score by XXXX points because I paid a credit card down from {$300.00} to {$0.00} then says " nice work your credit card usage is under 10 % ''. That don't make sense. In XXXX they lowered it XXXX points because I paid off a loan from {$820.00} to {$0.00}. 
XXXX lowered my score by XXXX points because an account I had with XXXX is being reported wrong. I closed that account over 7 years ago. As a matter of fact, I have not missed a payment or been late on any payment on any account in over 7 years. In XXXX XXXX lowered my score by XXXX points because XXXX increased my credit limit from {$1000.00} to {$1500.00} and my XXXX XXXX credit card I paid down from {$260.00} to {$0.00}. This has been going on for quite some time. It bounces back most of the time, but for XXXX reasons. I would just like someone to check and see if they can't incorporate some kind of standard. I never know what my score is going to be.
Consumer complaint received 2023-06-22
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. (GA)

XXXX  XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to XXXX XXXX, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX XXXX limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be XXXX for XXXX XXXX since they wrote it off and someone else acquired it. And since balance should be XXXX, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL XXXX XXXX CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX
Consumer complaint received 2023-02-13
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

The mortgage company is refusing to endorse the final check for repairs made to the house. Payments were broken up into 5 separate checks. Checks 1, 2, and 4 were all endorsed with no issue and only the statement from the insurance company on what the check is for. Check 3 we accidently endorsed before sending it to the mortgage company and it took nearly 2 months for it to be returned to us. We have sent them everything the insurance company included with each check, a statement from the contractor stating we had paid them in full, and a paid in full final invoice from that company as well. Today I sent the statement from the insurance company on what was paid out and why, pics of the work, and a lien release. We still can't get the check endorsed to repay our savings which was used to pay off the contractor. This has been going on for 3 months.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

Ive been a customer from American Express since XXXX. I applied for a business credit card back in XX/XX/XXXX. I was able to use my card for the first two days after that all purchases started to decline. I called American Express multiple times my employee call American Express multiple times, in which we were told the account was fixed, however purchases were still declining. I was a little aggravated so I decided to ask for a supervisor the supervisor explain to me that there was a concern with my identity, which I totally understood. He gave me a website in which I had to do, an online notarization for my identity a couple of hours later I received an email stating to print out this attached paper and to go into a financial institution to get the paper notarized in person. I did it send it and was advise that it was gon na take about 3 to 5 business days to verify the legitimacy of the paper, its been almost 2 weeks now when I call instead of telling me 3 to 5 business days theyre telling me they dont have a timeframe to verify my paperwork. I requested to speak with a supervisor multiple times and their answer is theres not a supervisor available at the moment. That supervisor is going to call me back, nobody called me back nobody fix the problem with my account. Ive had a lot of patience and Ive provided all documents that American Express has requested from me. I open this account because I want my business expenses away from my personal expenses. I expect that if I am approved for a credit card, Im going to be able to use it, the customer service, the way agents treat me have been horrible. I want to remark XXXX with user ID. She was horrible disrespectful and very unpolite with the amount of money that American Express charges for fees, annual charges, and every type of charge I expect to be treated with respect and courtesy every time that I call. I ask the CFPB to act in my behalf and ask American Express to please lift the restriction of my account as is in violation of my rights. Thank you. attached, please find documents submitted to American Express verifying my identity.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Dear CFPB, I am writing to file a complaint about TransUnion and the misleading information on its website. I recently attempted to sign into my TransUnion account and found that the website was blank, and I was asked to provide my credit card information in order to sign up for an account. I was misled into believing that this was necessary to access my credit information. 

I am very concerned about this misleading information on TransUnion 's website, as it has put my personal and financial information at risk. I am writing to ask that the CFPB take immediate action to address this issue and ensure that TransUnion corrects the misleading information on its website. 

Additionally, I would like to report that I was charged an unauthorized payment attempt on my credit card. I was able to stop the payment due to my card being locked, but I am concerned that others may not be so lucky. This is unacceptable and I believe that TransUnion should be held accountable for its actions. 

I request that the CFPB take swift action to resolve this issue and hold TransUnion accountable for any harm that has been caused to consumers. I would also appreciate a response to this complaint, including any steps that have been taken to resolve the issue. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-26
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. (NY)

My Home Loan was with XXXX without my knowlege trasfer my loan to XXXX XXXX XXXX XXXX  thgey took mutiple payment from my BANK account Give me trouble sionce very first day when i provide them my account number when i reauest to correct amount they increse more monthly payment when i request again they sent wrong info to credit beuaru my loan in modification my score down and impact my good XXXX make meesed up very unprofesional and incenane
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

This occurred on XX/XX/XXXX and the amount of XXXX I was working and I received a text message asking if I had made a charge on my debit card and I had just picked up lunch so I glanced at it and hit yes and then when I stopped the car and picked up my phone and saw that the amount was almost {$2500.00}. I am mediately typed no And then I typed know two more times and received a response from Chase saying they would cancel my card and start the investigation. Now they say because I typed yes that they are not going to refund my money and that I couldve been shopping online. They will not provide me with any information on the transaction. Other than it was charged in XXXX in XXXX. I can see that its for so-called real estate services which is a laugh. I dont travel. I am XXXX living on Social Security a very unusual charge. The same day that this happened. I went immediately to the bank and spoke to a lovely woman whoms card. I have attached. She said she could clearly see that this was fraud, called the fraud department, and they were extremely rude, and would refuse to provide me information about the claim, such as was it purchased online in person or over the phone. They did not have my pin number and were supposed to mail me documents about the claim and its been 15 days Ive received nothing. I filed a police report and Im taking it back to the woman at the bank that I spoke with now twice she has tried her best to get them to escalate it, and even the bank manager does not understand, because it is a blatant fraud.
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (NJ)

I have been informed Wells Fargo XXXX account holders are entitled to a payout as part if a {$3.00} XXXX dollar settlement. I had a car loan with Wells Fargo from XXXX but no longer have an account with Wells Fargo XXXX I am submitting this complaint to see if I am eligible for a payout for being charged higher interest and fees.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to TransUnion reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from my consumer report.
Consumer complaint received 2023-02-12
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

It also states that a consumer reporting agency can not furnish and account without my permission.

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XX/XX/2022 and XX/XX/2022.