davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00}
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance ; {$730.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$720.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-21
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

American Honda finance new 2022 discrimination lawsuit. After already discriminating it seems your doing it again without remorse I intend to seek full damages for lack of full disclosure and lack of assistance.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (TX)

XX/XX/XXXX I made a purchase from a store called XXXX XXXX to provide as a gift for a XXXX XXXXXXXX. After a month of no order update regarding shipping and not being able to contact the store via email or social media, I opted for a dispute with the bank i made the purchase through being Credit Karma Money XX/XX/XXXX where I received a provisional credit for the {$65.00} that was spent. I received an email XX/XX/XXXX regarding the dispute and saw {$65.00} pulled from my account. When I called to find out what happened, they claimed that the dispute failed because the items where delivered. I never received the item and the XXXX XXXX website has been down since XXXX. When I asked how did they came to that conclusion, they could not provide an answer and claimed to have escalated the case XX/XX/XXXX. I have yet to hear back a week later and when I called in I was told that it hasn't been looked at yet and still processing.
Consumer complaint received 2022-04-21
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. (WA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ava Finance, Inc (TX)

XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX XXXX Ava Finance Inc, XXXX XXXX continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

My loan payments were not applied on the correct date. MR COOPER need to apply my payments on payments date. They can not dictate when they apply my payments. Previously, mr cooper told me XX/XX/XXXX payment was applied XXXX XXXX 14 days late. XX/XX/XXXX will be applied on XX/XX/XXXX, more than 30 days late. XX/XX/XXXX payment will be applied XX/XX/XXXX, more than 60 days late. Thats holding my interest captive. Note : i did not ask mr cooper to apply my payments on ANY future dates. 

The Company responded : " Our records indicate on XX/XX/2024, total funds in the amount of {$9100.00} ( {$2100.00} + {$7000.00} ) were received and applied to the account that same day. Of this amount, {$2100.00} was applied to satisfy the XX/XX/2024, payment ''. 

Who asked you to apply the {$2100.00} to satisfy XX/XX/2024 payment? No body. See screenshot of when I tried to make the payments. There is no where on the screen indicating that the principal and interest is being apply to satisfy FUTURE payments. I simply want to make the payments to apply interest and principal ON THE SAME DATE. 

I have my monthly payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX already. I don't need you to apply any amounts I paid to satisfy a payment on a future date. 

The {$2100.00} received on XX/XX/XXXX needs to to interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal The {$2100.00} received on XX/XX/XXXX needs to apply interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal The {$2100.00} received on XX/XX/XXXX needs to apply interest from XX/XX/XXXX to XX/XX/XXXX, the remaining to principal If you are unable to do this because your system does not allow or whatever the reason is, you need to apply my entire XX/XX/XXXX and XX/XX/XXXX to principal. 

When you receive a payment but apply to satisfy a future payments, you are holding my money but still accrue interest. Again, I DID NOT ASK YOU TO APPLY TO SATISFY FUTURE PAYMENTS. 

As someone who understand time value of money, there is ABSOLUTELY no reason for me to make a payment in advance.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

On XX/XX/2024 at approximately XXXXXXXX XXXX. I was a victim of fraud through an unauthorized transfer of funds on my chime banking account amounting to {$4900.00} I was talking to someone who was supposed to be a person of chime, the person I was speaking with was a chime support worker who would help me with a transaction on my chime account using a XXXX  app but while I was speaking to what I thought was a representative of chime, they somehow got into my account and transferring funds amounting to {$4900.00} through the pay anyone feature and then another {$750.00} through XXXX XXXX which I disputed the {$750.00} already through chime and I have received that back at this time. As for the {$4900.00} The dispute got denied two times already I currently Reopened it And submit it all my proofs which i dont understand why this one is getting denied. Please help me get my funds back it would be greatly appreciated
Consumer complaint received 2023-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

The collection agency called national credit system, they report I owe {$1000.00} they changed the name of the original creditor twice, now they have it under sure deposit with no contact information about it, they been hurting my credit for the past 6 years, fraudulent actions, when I disputed they fraudulent reply that the information is accurate, they have a fake original creditor name ( sure deposit ) with no contact information, I want every documents, contact or any single paper belongs to this collection
Consumer complaint received 2022-04-21
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-04-21
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 (NJ)

On XXXX, I have booked XXXX XXXX flight using Capital one Quick Silver credit card for the amount of {$2100.00}. I have cancelled that ticket in XXXX due to Covid travel restrictions, Passanagers if citizen of XXXX  can not fly to USA. But XXXX XXXX did not refund. I waited till XXXX, did lot of calls and sent feedback forms but no refund was given so as a last resource I had to ask Capital one to dispute my transaction and fight on my behlaf. They opened a case for meon XXXX and they told me to wait 30 days.I have uploaded all the proofs for cancellations but After 30 days the case was not touchedmoved at all so they decided to close that case and opened abother case and gave me temporary credit for it and asked me to fax supporting docs. I faxed it and called them if they received it or not on XX/XX/2022 but surprisingly instead of moving my case I got letter from them on XX/XX/2022 saying we are closing this case as dispute has to be filled within 60 days on transaction only. So 1 ) Why they did not tell me earlier and opened 2 different case earlier? I wasted my time since XXXX with them and I had a faith and hope with them. 2 ) Also they closed this case very next day when I send the docs so why you did not use those docs and proceed with XXXX XXXX? If you cant proceed then tell me in the very beginning only. Its such a disappointment and lot of time waste.
Consumer complaint received 2022-04-21
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX  account, my rights has been violated 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 an account without my written instructions.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (FL)

I contacted the company on XX/XX/XXXX. I was told by the debt collections service that they would mail be out an application to fill out about the issue of identify theft. 
When I asked if they could explain the process or provide any further info, the person remarked that it would all be explained in the application they would mail me. 
I called the local police to report this in XXXX XXXX XXXX, FL for my zip code XXXX. 
They advised me to file a report with the FBI due to the fact that it is a XXXX crime and also due to that large amount, I filed a complaint also with the XXXX Complaint Referral Form on XX/XX/XXXX at XXXX. I am waiting to hear back, hoping that they will contact me. 

I already have an electronic block on my social security number. Also, I have a freeze and an identity theft alert on my experian, XXXX and XXXX accounts. 
I reported a previous incident that happened on XX/XX/XXXX with case number XXXX. They were able to identify that incident as identify theft. 

However, this is now happening again and I would like to see what else can be done to prevent it. These are 2 charges of identity theft that have now be placed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} Date Updated XX/XX/XXXX High Balance {$13000.00} Original Creditor XXXX XXXX  XXXX XXXX  XXXX XXXX  Past Due {$13000.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX WA XXXX Phone ( XXXX ) XXXX Date XXXX XX/XX/XXXX XXXX Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$3100.00} Date Updated XX/XX/XXXX High Balance {$3100.00} Original Creditor XXXX XXXX XXXX  Past Due {$3100.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2022-04-21
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. (AL)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.
Consumer complaint received 2022-04-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, 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. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-21
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, 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. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-10-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Consumer complaint received 2022-04-21
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-21
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-02-04
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: DISCOVER BANK (NC)

Account was disputed as fraud. Discover Financial Services then closed the account. Account is still reporting on credit report as closed. Which it should be removed entirely as this account is not mine. Also on the previous investigation in reference to this account I never received any correspondence or resolution in writing that this account was closed.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In accordance with the Credit Reporting Act XXXXXXXX XXXX XXXX reported by Experian reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.