davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (IL)

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES REPORTING ON MY CREDIT. THESE INQUIRIES DOES NOT BELONG TO ME SO I AM ASKING THAT YOU PLEASE REMOVED THEM OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Credit Corporation (OH)

I closed the credit card account due to hideous customer service. There is a credit balance of {$7.00} in the account. I have asked the company to refund me the credit balance numerous time via internal secure messaging. I have had no response to my request. I sent a final demand for payment letter to the company via USPS Mail with tracking. I have had no response from the company.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Accordance to the fair credit reporting act XXXX XXXX XXXX, acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Shows I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it's also shows a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (HI)

Aloha and good afternoon, my name is XXXX XXXX and I live in XXXX Hawaii. 
I own a rental property located at XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX Hawaii XXXX. When I purchased this property a few years back I purchased it from a gentleman named XXXX XXXX XXXX. I purchased it from him under whats called an agreement of sale on the mainland its called a wrap around Mortgage I never assumed that underlying first mortgage. I am now selling this property and have spent endless hours and days dealing with the XXXX  at Mr. Cooper, formally nation star mortgage. The changed the name as a way to appear more friendly? These guys have an F rating with the XXXX XXXX XXXX XXXX XXXX only has a D rating? After my encounters with Mr. Cooper, I am surprised its only an F? So, here is what I could use some help on. All we want from Mr. Cooper is to get a payoff demand so we can pay them off this has proved to be impossible. One of the many calls was with a XXXX employee # XXXX, and she said she would have a supervisor call me back in 5 to 7 days, that Great customer service .I never got a call from a supervisor, BIG surprise. She was able to find the payoff based on two items provided the original borrowers name and the property address. So they can find the information. But, because the seller ( XXXX XXXX XXXX ) is not been found we have no way to get an authorization to get a payoff. We do not want a mortgage rating, just a simple payoff. At the beginning we had been told to send an email to the following departments research Incoming. You can not call them as they do not have a phone, even better customer service?? We sent the email after we had been told it would take 72 hours to get a response. That was two weeks ago, and when we emailed to follow up with the incoming research department they emailed us back saying they lost the first request, what a bunch of XXXX. We are trying to close this transaction. As of 2 days ago and Mr. Cooper has caused Harm from the delay. All we want is to pay these guys off and be away from them. We do not have a loan number for this loan, it was an old countywide mortgage and sold to Mr. Copper. But, they did find the payoff already, just did not release it. Getting an authorization is not possible from XXXX XXXX XXXX, Mr. Cooper already attempted to reach him on some old phone number.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX/XXXXXXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have foreclosure repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/2021 I was notify of fraudulent unemployment claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-10-02
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. Thanks
Consumer complaint received 2020-06-19
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. (CA)

FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove from Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (FL)

I am showing 5 late payments for XXXX XXXX, I have asked for detailed report from XXXX XXXX  twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my XXXX payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response XXXX gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

Hello, there was another class action lawsuit against Wells Fargo for how they fraudulently handle people 's accounts. I closed my account last year with wells fargo and complained about their mismanagement and fraudulent fees. I was told to contact Wells Fargo or email this if Wells Fargo hadn't contacted me about compensation through the class action lawsuit. Wells Fargo is repeatedly fraudulent and incompetent, proven to be in court multiple times so i have to email you. Thank you for your help
Consumer complaint received 2023-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (PA)

Re : XXXX Complain against Gemini Trust Co , llc, a New York-based cryptocurrency exchange. 
Despite providing information and documents requested by Gemini Trust Co, llc in their response to my previous complain XXXX, my account still restricted and frozen. Customer service is not responsive. 
I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. I have attached copies of my previous correspondence with Gemini. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX at XXXX pm est I tried to login on to my account to pay my bill the bill is due the XXXX of each month and since XXXX myhusband and I have been out of work due to covid we have been doing all we could to avoid the 30 day late mark on our credit each month I called explaining our situation and Citizens waived our late fees to day in particular when trying to log on the site was only giving me a payment post date of XX/XX/XXXX which would cause a negative report on our credit. As soon as seeing this I tried calling on my landline the wait was 30 min finally after holding get hung up on. Called back to another number after holding 9 min spoke to rep XXXX to see if there was anyway I could use a payment method to reflect payment post date of XX/XX/XXXX he advised he could submit with todays date but wont post until XX/XX/XXXX and he is not sure how this reports on my credit. I asked him to please get clarification as I needed facts as we are in the middle of refinance due to covid and not being able to afford mortgage payments and could not have a negative credit report. he said he spoke to his manager XXXX who advised that's the best they could do if it reports call there credit department! They do not know how the reporting office works. I am beyond frustrated as well as there is no disclaimer on the site advising cut off dates for payments to post! I made the payment on XX/XX/XXXX at XXXX but yet it had me use a post date of XX/XX/XXXX this is totally unfair Please delete the negative mark. I will be signing up for auto pay to avoid this from happening in the future I start a job on XX/XX/XXXX we have had no issues until now. And we really need to be able to refinance our home to avoid being homeless times have been VERY VERY hard and we are committed to getting things back right. Please help! 
Sine this i do see now they have the payoff cutoff time listed on their help section not on the payment screen. I also have an email confirming the date of XXXX payment and also a screen shot from there onsite message center where the rep advised me my XXXX payment would cover my XXXX payment. On XXXX the office of the chairmen contacted me and said there was nothing they can do since the payment would reflect 31 days. This is unfair business practices and i have screenshots of the payment page as well where there is no cur off time listed the payment page. due to covid my husband and i have been out of work trying to keep up with this payment as best as possible. We are trying to refinance our home and now this negative mark is hindering us going forward this shoul dnot be because i paid on the XXXX and they are saying because it was past there XXXX hour mark there is nothing they can do
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must remove these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (IL)

Tcf bank is double charging on transactions, they deducted the monies at the time of purchase, then when the transaction post, they deduct the funds again. The statements provided are very confusing and do not give full details of each transaction. The online app has already moved the transaction making it very hard to follow. I tried to resolve the issue with the Branch manager asking for copies of all statements but he said he could only retrieve the last 3 months of statements and could only provide the statements that dont show the date of purchase only when payment posted,
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
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 2023-12-27
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: Experian Information Solutions Inc. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-08-18
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: TRANSWORLD SYSTEMS INC (TX)

all 3 credit bureaus reporting different account information about account. I have reached out to creditors and credit bureaus about getting the information 100 accurate because all 3 reports have different information so how would i know what is valid.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-02-09
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. (GA)

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : N/A Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a credit card because it had 0 % interest on purchases and balance transfers for the first 15 months. I planned to pay for all purchases before the interest came due. 
the first statement I received from Capital One confirmed the 0 % agreement expired on XX/XX/2020. 
I chose to pay my bill online using the Capital One app on my phone, the XX/XX/2020 was also the date given on the app as to when the interest rate would no longer be 0 %. I have always planned that by the XX/XX/2020 date the card balance would be XXXX  and that would have been the case. 
A few days ago I checked the app and noticed the 0 % interest rate expiration date had changed from XX/XX/2020 to XX/XX/2020. I was never notified of this change and called Capital One to question it. I explained about the 0 % expiration date on my statement and was told it was a miss print. I then asked them to explain the change of date on the app from XX/XX/2020 to XX/XX/2020. they couldn't explain it and denied I had seen the date as XX/XX/2020 ( even though when discussing our bills I had shown the date on the app to my wife ). 
At no point was I ever contacted by Capital One to notify me of any change of terms on my account and consider the statement on my original card statement to be a binding contract. I consider this date change to constitute a breach of contract