davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
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 ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Consumer complaint received 2020-03-25
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. (GA)

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$740.00}
Consumer complaint received 2020-03-28
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 (TX)

A charge was made on my credit card on XX/XX/XXXX for {$1000.00} for an XXXX XXXX XXXX XXXX. Due to the coronavirus it was cancelled and refunds were supposed to be sent out. This notification was made on XX/XX/XXXX that refunds were be charged back within 5 business days ( XXXX ). This is the last communication i received from the vendor and have been unable to get a hold of them since. I have attempted to call CapitalOne to dispute this charge numerous times after the five business days to no avail. I have waited for over 3 hours each time on hold. 

CapitalOne, unlike every other large card provide, does not provide online disputes nor an email to contact them. It is exclusively a call center and mail. I feel that a Company this size should have the technology to manage its customers. With living in XXXX County, TX, we are under a shelter in place order and can not go out to mail anything. While I am sheltering, I still have to work 70  hour+ a week from home.
Consumer complaint received 2020-03-27
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. (GA)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
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. (WA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-01
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. (VA)

Entered into a forbearance due to financial difficulty with XXXX XXXX  XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.
Consumer complaint received 2023-02-07
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$19000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — Store credit card
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: Bread Financial Holdings, Inc. (PA)

Comenity Bank sets consumers up. 

The company 's agent told me in the past that they already set up automatic payment for me in their system with my debit card. But they did not. 

So this time, when I traveled internationally to a country, where the internet is of limited access, to handle a family health emergency in early XXXX, I was completely ruined by this vicious company. 

To begin with, I was not informed of the card balance, which was only {$30.00}. This balance is completely within my payment ability. As long as they reached out and let me know, I could have made the payment right away. 

Instead, this company intentionally kept me unaware of this balance while I was out of the country for over a month. This resulted in me paying {$66.00} of late fee and penalty charges. Moreover, this resulted in a significant hit on my credit, which is completely unacceptable. 

When I reached out to the company in XXXX when I came back to the country, the company 's agent told me that they are going to charge me late fee no matter what - since this is the way they run their business. They told me that they are not going to include this incident in my credit report - my credit will not be negatively influenced, as I was traveling out of the country. 

However, two months later, my credit was still hit by this. Comenity did not deliver their promises. When I confronted them about this, they now say that they can't do anything about it and I can only report to CFPB. 

This company is really dishonest in the way they conduct business and should be shut down. 

As such, as an innocent and uneducated American consumer, I ask for CFPB 's look into this case and help me fix the credit issue. Thank you.
Consumer complaint received 2023-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Not sure of date it was over 10 years ago.The manager of the bank told us that they took our mortgage payment and put it in someone elses account then found it and put it in someone elses account. And could not find it.So we had to pay an additional payment which created a snowball affect for us which caused us to eventually have to refinance our home.
Consumer complaint received 2020-06-10
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)

On XX/XX/2019, I informed Equifax that a previously DELETED Account XXXX XXXX XXXX acct # XXXX, had been re-inserted onto my credit file and that I was not notified by them within the 5 days per FCRA. To date, the entry is still reporting on my file.
Consumer complaint received 2020-03-27
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)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX of XXXX / XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 


Delete or remove these accounts off my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THESE ITEMS ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}
Consumer complaint received 2022-12-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has been taking {$490.00} out of my account since XX/XX/2022 without authorization through my XXXX business checking account ending in XXXX. I have tried numerous times to resolve this with Capital One as i do not have any account or business with them. They now owe me over {$6000.00} plus fees and again, I DO NOT AND HAVE NEVER HAD ANY BUSINESS DEALINGS, CHECKING OR SAVINGS ACCOUNT WITH THIS CAPITAL ONE BANK!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I sent a copy of my drivers license, social security card and my light bill. And they Wont change it to my correct name and address. They are violating my rights 15 U.S.C. 1681i and 15 U.S.C. 1681e. I tried dispute online and mail and no positive result.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MS)

To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (FL)

Just today about XXXX XXXX started getting email account permanently suspended sec 22d. All I had done was uninstall the mobile app associated with ths card off my mobile phone. Now I can not get thru to a live person to handle this. I have money on the account and want to get it back. Luckily I have money on another good bank I can use at this time. Please help thank you
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (NJ)

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, Equifax, & XXXX  but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$740.00}
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX  XXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00XXXX XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (SC)

In or around XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX sold my mortgage to MR. COPPER mortgage. 
My first mortgage payment was due in XX/XX/year>. My monthly mortgage payment is {$550.00}. I pay {$1200.00} per month. The additional payment is to be applied to principal. Every month my payment is processed as XXXX separate payments with each payment charged interest and the balance {$150.00} applied to principal. I have to call every month to have the payment applied properly. Every time I call they tell me the payment is not setup properly in their system and they will fix it. Last month a lady by the name of XXXX XXXX called to tell me the problem is now fixed but once again my XXXX payment was not processed properly. I have called several times and sent text messages to their online help center. They said the problem was resolved but it is not. They are the most incompetent mortgage company I have ever dealt with and in my opinion should not be in business.