davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (FL)

After saving and planning, I contacted this company to settle my debt but instead the egregious employee condemned me and basically said I don't deserve to settle because I spent the money I owed. When I explained to him that I was young and not knowledgeable when I signed up for the XXXX credit card and that I actually only spent 25 % of what I owed and would like to settle for that amount, he refused. Instead of coming to an agreement he argued and tried to intimidate me. He also said they would not take the collection off of my report even if I paid the whole amount and asked for a pay to delete letter. He was totally rude and unhelpful. He cut me off every time I tried to explain my situation and was very pushy and continued to call and harass me and threatened to report to other agencies even after I offered to settle!
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  score reduced claiming :! ) Lack of recent installment loan information XXXX ) Length of time revolving accounts have been established, They would not explain the reason for this. 
They said there had no information about outstanding loans. I have no loans or late payments. I contacted TransUnion twice and they had no explanation why the XXXX score was decreased twice in the last several months, nor what I could do about it. They referred me to you.
Consumer complaint received 2021-01-07
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. (CT)

this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The Capital One credit card was set up as a paperless account. As such, Capital One was required to notify me by email if there were any past due amounts and they NEVER NOTIFIED ME OF ANYTHING. THEY DID HOWEVER NOTIFY THE CREDIT BRUEAUS OF A LATE PAYMENT, AND AS A RESULT, MY NEARLY PERFECT CREDIT SCORE OF 10+ YEARS HAS DROPPED 100 POINTS!! 
How can they do this?
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

-Collections is not from original creditor. I do not owe XXXX  XXXX, ERC, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX I never heard of. I never did a contract with them. Their violating FDPCA Section 807 Misleading false reporting. I feel like im being taken advantage of being ignored of my disputes
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (NY)

Western Union was the wire transfer agent for XXXX XXXX in a transaction that sent XXXX Reals to XXXX. There final exchange rate was XXXX Reals for XXXX USD but online they advertised XXXX Real for XXXX USD this comes out to a difference of close to XXXX USD. Why was there such a large discrepency between advertised exchange rate and working exchange rate. In addition, the disclosure on the exchange rate was hidden in a pdf file. not clearly labeled. Horrible transparency on exchange rates for this wire transfer.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Mar Joe Enterprises (WA)

I saw a new doctor at XXXX XXXX and XXXX XXXX in XX/XX/XXXX and filled out a new patient form including the address where I've lived for 15+ years. XXXX XXXX XXXXXX/XX/XXXX, XXXX, repeatedly sent the bill and all the past due notices to an address I lived at 17 years ago.Then when I never got the bill because they sent it to wrong address, they turned me over to collections and ruined my FICO score, dropping it from the XXXX into XXXX. They also ruined my future plans to move and buy a new house and car since my credit is now wrecked. 

I made their office aware of this mistake on XX/XX/XXXX and have heard nothing back from them. I spoke to XXXX XXXX, billing manager. I dropped off a packet with a cover letter with copies of the billings that were sent to the wrong address, saying I expected them to correct their error but no one has responded. I have hired an online law firm that specializes in credit problems.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

It states that I have a closed account with XXXXXXXX XXXX from 2019 but this account was closed because it paid in full. Equifax is reporting incorrect information about this account and I would like for it to be removed as quickly as possible. This is effect my credit score. This account was paid in good standing and was not delinquent. I have a new account with the company that is in good standing.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 
I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (KY)

In XXXX of XXXX I reported fraud on my PNC bank Core Credit card account in the amount of {$60.00}. They canceled my card, credited my account back the same amount and issued a new credit card. However, they failed to report it to the credit reporting agencies. Now my credit reports is reflecting the canceled card as still open with a balance of {$1700.00}. I contacted PNC on XX/XX/XXXX and spoke with a customer service representative XXXX. I explained why I was calling regarding this and they are telling me I have to file a complaint with the credit reporting agencies. I also escalated this matter to a supervisor XXXX and she told me the same thing. It was sent to their escalations department and I was told it would take up to 48 hours to hear from them and may take another few weeks before they can issue a letter stating it was their error. I don't have the time to wait. 
I am trying to purchase a home and this is affecting my XXXX XXXX. I am a senior of soon to be XXXX and do not have the time to wait weeks and months to get a simple letter from them. 
Thank you for your attention to this matter, XXXX XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have been incarcerated from XXXX to XX/XX/XXXX I serve 13 years straight and did not open this account with capital one. I was incarcerated when this fraudulent account was open and couldnt and didnt have open any account incarcerated. I call capital one numberous time and disputed it with them along with government documents showing that I couldnt have open the account because I was incarcerated. Capital one open a fraudulent account in my name and refused to fix the problem or properly investigate it by look at the document I mail and fax over
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-01-07
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: Premium Credit Bureau (FL)

On XX/XX/2020 premium credit bureau received my letter certified mail ( XXXX XXXX ) the manager.there office received my letter in response to an inquiry that has been placed on my consumer credit profile. I've asked premium credit bureau to provide me with proof that I gave authorization or consent to this inquiry on XX/XX/2020 and yet they have not responded and they are in default.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have deposited Check for the amount of {$13000.00} on XX/XX/XXXX and its been cleared as of today XX/XX/XXXX, this payment was part of Profit Sharing from the company ( XXXX XXXX XXXX ), they suspect its a fraud, the checked have been cleared and also deducted from XXXX XXXX XXXX XXXX XXXX XXXX. 

They Shutdown my account since they could not contact the authorized person of XXXX XXXX. I have been banking for a while and have direct deposit with them, never do anything shady whatsoever and they decided to close my bank account only because of this one large deposit.
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

Equifax is keeping a bankruptcy on my credit report and claiming that they verified it with XXXX. The issue with this is that XXXX deleted this public record from my report due their inability to verify it. 

I disputed the inaccuracy and received a letter dated XX/XX/XXXX stating that they verified the public record. I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. 

I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Equifax.
Consumer complaint received 2021-01-26
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. (NJ)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/XXXX. I've mailed multiple sets of letters since then, asking the bureaus to investigate and remove fraudulent accounts. Its been over 200 days into something that is limited to 30 days max and not only are the accounts still reporting on my report, they're not even being investigated as I have received no responses. The first letter was delivered on XX/XX/XXXX per certified mail tracking and the follow up letters were delivered on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. It is surprising that the bureaus are blatantly allowed to disregard the federal law under the FCRA and my rights with no consequences. This is my last plea before I take this to my lawyers and sue for damages.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I had received a text message from Chime saying heres your Chime passcode, do not share with anyone. I called chime to verify that someone did not fraudulently open an account with them in my name. I spoke to a representative at XXXX and they asked me for some information and the last 4 of my social security number. They then said that there wasnt an account with my information. So I ended the call thinking everything was fine. 

Today, XX/XX/XXXX, I received a Chime debit card in my name and it had my address and with a direct deposit form. I never applied for a Chime account and obviously the customer service representative I spoke to on XX/XX/XXXX did not check my information correctly. So whoever this person is, they have a virtual debit card in my name that theyre using with the Chime app and are committing identity theft and the Chime company does not care.
Consumer complaint received 2023-01-12
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. 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 2023-02-28
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. (IL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : $ {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXXXXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I would like to request the information why you have requested my credit report through the credit report company, Experian, since I have never interested in the credit card offering of your company, so-called XXXXXXXX XXXX XXXX, which I could not find out the information to tell me what kind of company you are, even though your company might be related with XXXX XXXXXXXX XXXX. Since I have never felt the necessary to ask your companys service, you must have had some inquiry of my credit report without consent of me ; therefore, would you tell me why have given the request to get my credit report? And, if you have opened the account in my personal name, XXXX XXXX, would you kindly investigate who opened, try to close that account, and report to the appropriate legal and official system in the United States, since it might be offensive action internationally. Please contact Experian itself for the removal of your company from my credit report for your legal security. 

Sincerely,
Consumer complaint received 2023-02-14
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

I was trying to transfer money to XXXX for my closing on my new house and the rest outside of the {$2000.00} I wanted to keep in Chase to my High Yield Savings account through a different bank due to the government recouping my VA Compensation and Pension once they charge me for the days I was on active duty throughout the backpay. Chase froze my accounts then shut them down with no notice today XXXX XX/XX/2019. When I tried discussing it with them, they refused to. 

I guess they don't want continued business, but it's okay I'll continue with my longtime bank that holds my regular check.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

I initially acquired this mortgage through XXXX XXXX XXXX. during the months of XXXX owning this loan, XXXX XXXX XXXX made an error with my escrow account which once I had CFPB involved, ( They forced place HOI on me while I had correct HOI ) the remove all late payment and accepted fault and remove all late payments from my credit report. 

Shellpoint mortgage then acquired this loan and I am having the same issue with Shellpoint mortgage. I had to pay my own taxes for the period ending XXXX of {$2500.00} and while still escrow monthly. 

Shellpoint completed a new escrow analysis and is coming up with a total escrow monthly of {$640.00}. whereas my annual taxes is {$3200.00} and Insurance is {$1400.00}. 

I called the county where I live and verified that the taxes for 2020 would be {$3200.00}. and spoke with my insurance company who indicated my new annual premium is {$1400.00}. therefore my total taxes and HOI would be {$4600.00} / 12 = {$380.00} monthly. 

Shellpoint wants me to escrow for $ XXXX monthly. at the end of their analysis, they came up with escrow shortage of {$1300.00} which I called shellpoint and paid off the complete shortage XX/XX/2020. 

Although I made the escrow shortage payment, shellpoint is still making me pay for the total shortage over 12 months. 

the concern I have is ; A ) I was denied waiving escrow as they are claiming I was delinquent in the rent 24 months which I was not. am not delinquent and paid my monthly escrow + had to pay my full simi-monthly taxes to county of {$2500.00} in 2020.

B ) Shellpoint came up with an escrow shortage of {$1300.00} which I paid in full and shellpoint still charge me a higher monthly escrow and did not credit the {$1300.00} to offset the escrow shortage. 
.