davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (SC)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed immediately.
Consumer complaint received 2020-08-11
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. (MI)

On XX/XX/XXXX I requested an investigation into several accounts reporting on my credit file with Transunion. I asked that they validate the accounts as well as send me their method of verification documentation. On XX/XX/20 I received a letter from them validating all accounts but no documentation to show how they properly verified these accounts. I sent a second letter on XX/XX/20 asking them to please send whatever documentation they used to verify the accounts but on XX/XX/20 I received another letter only verifying the accounts again, still no documentation or anything in writing validating the accounts, such as a contract between myself and the debt collector. I sent a third and final letter on XX/XX/20 asking again for the documentation I am entitled to receive per rules set by FCRA 611 ( a ) ( 2 ) ( B ) and as of XX/XX/20 I have not received any documentation.
Consumer complaint received 2020-06-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Flagstar Bank, N.A. (FL)

XX/XX/2020, Flagstar Bank called me in regards to my mortgage that is in Forbearance from CARES act related to COVID. XX/XX/2020, I returned the call and spoke to a gentleman who identified himself as a collection agent with Flagstar. He informed me that I had a past due balance. I told him I was in forbearance. He said " just because you are in forbearance doesn't mean you can't make payments. '' I told him, actually yes it does. I am in forbearance due to COVID via the CARES act. He said what is the CARES act? That isn't a thing. He then told me I owe XXXX, and then said how would I like to make payment ... check, bank transfer. I cut him off at that point and told him that I was not obligated to make a payment and that I was now recording the call. He said " thanks for letting me know you are recording me without telling me. '' And then he hung up. 

I called Flagstar back and spoke to a supervisor. I told XXXX what happened and that I consider that behavior predatory and aggressive. He repeated those words and said he agreed. He told me they are supposed to call to see if anything has changed in regards to my need for forbearance, not anything more. He also told me their investors want them to call us twice a month. I then shared no, according to CARES/XXXX  you can not contact me that often. He then said yes you are right, we are allowed to contact you at most every 21 days. Which said to me, even he was being misleading. 

Flagstar Bank is NOT following the guidelines of CARES and other guidances given to them. I want to make a formal complaint.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Record you are reporting concerning me is inaccurate andlor incomplete, and also unverifiable by you : XXXX contacted the court of record and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letter ) Public Record I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ) Therefore, you could not have possibly verified this information, argocke, request that you delete the alleged Public Record and provide me I updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that yo. prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my curre dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning I me. Your prompt attention to this important matter is requested in order
Consumer complaint received 2020-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (CA)

I was divorced XX/XX/XXXX and per that divorce agreement I was to give up the house and the anything associated with the house, which I did. There was a line of credit that was taking out XXXX. My ex-wife gave SunTrust the divorce papers stating such ( so she says ). She can't or won't refinance because the of her debt to income ratio, as she puts it. She is using my credit score and how much I make in order to keep my name on this. What can I do, since it is in the divorce decree? I don't why my name can't be removed, she has been paying on this since XXXX. It is obvious that she has the money to pay it. If she defaults on this loan then I am liable and per the divorce decree I will not be liable since the house is solely under her name.
Consumer complaint received 2020-08-11
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 (CT)

On XXXX XXXX 2020 this writer used their Capitol One credit card to purchase VIP tickets for XXXX XXXX XXXX festival scheduled for XXXX in the amount of {$570.00}. 

On XX/XX/XXXX ( 8 days before the concert ), the Festival cancels/postpones the show. 

This writer contacts Capitol One after contacting XXXX XXXX for a refund as XXXX XXXX  Denied Refund. Capitol One was contacted mid XXXX and refunded this writers Capitol one Card in XX/XX/2020 for {$600.00}, {$570.00} for the amount of the concert tickets and {$18.00} in interest fees. 

XX/XX/2020 this writers see 's a charge of {$570.00} on billing statement and contacts Capitol One XX/XX/2020 to dispute charge. Capitol One states the charge is due to XXXX XXXX disputing the refund. This writer shared the Fair Billing Act appears to be violated in that services were not provided on said day and therefore a refund should be granted as payment was given and services were not received. Capitol One requested further documentation from this writer which was sent on XXXX to : TransactionSupport Center Capitol One XXXX XXXX XXXX XXXX XXXX XXXX UT On XX/XX/2020 this writer called Capitol One to get status of case and representative said aforementioned information was needed. This writer shared information was sent and a grievance would be filed with the CFPB.
Consumer complaint received 2020-06-11
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$790.00} XXXX {$540.00} USDEPTEDXXXX {$22000.00} XXXX  {$22000.00} USDEPTEDXXXX {$8500.00} DEPTEDXXXXXXXX {$8500.00} XXXX {$1200.00} XXXX {$8500.00} XXXX {$0.00} XXXX {$20000.00} XXXX {$110000.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (TN)

Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (FL)

I had a loan with GM Financial. My husband was has XXXX XXXX and was in the hospital and ended up very sick for summer 2019. It caused us to get behind on our car payment. I stayed in touch with company and was working hard to catch up the payment. We were 30 days behind XXXX - XXXX and in XXXX in dropped to 60. In XXXX we got it all caught up but it dropped to 30 days behind again in XXXX and they repossessed it without warning. I was devastated because it felt like we were making payments every week to try to recover. My complaint is they repoed my car with only 30 days late and when I called on the day they took it to ask what I could do to pay to get it back, assuming I could pay past due or some repo fee they said FULL balance only to get the car. I don't have the money for the whole amount. They sold it without allowing me to get it back without paying the XXXX owed and then put over XXXX as a charge off on my credit. I don't know if that was illegal but it certainly felt unfair. We were trying and weren't that far behind. I would like this removed from my credit.
Consumer complaint received 2020-06-11
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$66.00} XXXX  XXXX {$47000.00} XXXX  XXXX {$29000.00}
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

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 2022-05-16
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. (MO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2022 I applied online for visa card Chase Freedom XXXX and I was denied. While I have Excellent XXXX Score of XXXX which was update by XXXX as of XX/XX/2022. Also, on same day I contacted Chase credit card company and they refused to give me any answer. 
I believe that I was discriminated against because of my race, national origin, XXXX, age, and Exercising in good faith my rights under the Consumer Credit Protection Act.
Consumer complaint received 2020-06-11
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. (LA)

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've had an " Unsecured - Variable Rate ( Fixed Margin ) '' of $ XXXX for over 14 years years and have been paying it off regularly. 

Today, I find that I can no longer draw down on the credit line and that I am expected to pay off a balance of approximately $ XXXX at an unknown rate of interest. 

How can they do this? 

What are my options? 

What if I am unable to pay it?
Consumer complaint received 2020-06-11
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've been consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mines. These items need to be deleted from my credit report.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (IL)

I am writing to Express my concerns about a current situation I am experiencing with Experian. I am not satisfied with their quality of service!! Experian hasn't responded. They were sent two letters. The letters were sent via Certified mail to notify Experian that they are reporting inaccurate and negative information on my credit report. The first letter was sent on XX/XX/2020 followed by the second letter on XX/XX/2020. They both states they have been delivered with Signature Confirmation. It has been 60 days. Due to Fair Debt Collection Practices Act, 15 they failed to notify me within the thirty-day period. I expect Experian to delete all negative information that is being inaccurate reported on my Credit.
Consumer complaint received 2020-06-11
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2020-01-13
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. (NY)

These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late  payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My debit card was used for several unauthorized transactions. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Have contacted Citizens Bank regarding a denial of my fraud claim. There is NO ONE to talk to, people keep passing the buck and saying, oh, someone will call you in 2 days. And no one does. The Fraud office is closed and all we get is the someone will call you in 2 days. 
The bank is stealing from me, and it's my suspicion that all fraud claims are initially denied, thereby allowing the bank to collect more interest. I'm XXXX, live on Social Security and {$440.00} is a lot of money to me!