davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDIT COLL ( Original creditor : XXXX ) XXXX Balance {$93.00}
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MS)

Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

On XX/XX/2020 I was attended at XXXX XXXX XXXX XXXX XXXX with a suspecting of XXXX. I wasn't feeling well and during the interview previous to my attendance I made clear I did not had insurance to cover for the XXXX XXXX. They them told me not to be concern about it as it would be treated as an XXXX XXXX. They never made me clear I would start receiving collection attempts just a few days after my attendance. It is really outrageous that they are taking advantage of people at a time of weakness. I already filled three different complains about this same subject with CFPB but never got any return of my case. Instead, the only thing I got is a hurt in my credit and a continuous harassments of many different collection companies calling, sending collection letters in an attempt to collect a debt I did not owe.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Since I can not reply to Mr. Cooper 's earlier response, I am submitting this new complaint per original Complaint Case File Reference : XXXX **Original Complaint Filed** : Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? I have repeatedly asked Mr. Cooper who I can talk to with no response. I call the organzation at the address and they can not put me in touch with anyone either. WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''? 
***** Instead of Mr. Cooper providing me the requested information, they instead filed an extension on case resoultion with the following response ... " At this time, we are having conversations with the trustee on this loan to reach a favorable solution. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/2022. '' WITH ALL DUE, I DO NOT CARE WHAT CONVERSATIONS YOU ARE HAVING WITH THE OWNER OF MY NOTE! I SPECIFICALLY ASKED YOU FOR THE ACCURATE CONTACT INFORMATION FOR THE HOLDER OF MY MORTGAGE. WHAT IS UNCLEAR ABOUT THIS ASK? 

I HAVE ASKED AT LEAST 5 TIMES, 5 DIFFERENT WAYS FOR THE CORRECT CONTACT INFORMATION. YOU LIED TO ME SEVERAL TIMES BEFORE ABOUT WHO ACTUALLY OWNS MY NOTE FOR YEARS AND NOW I AM TIRED OF YOUR RUNAROUND. 

GIVE ME THE CONTACT INFORMATION IMMEDIATELY BECAUSE WHAT YOU HAVE PROVIDED TO DATE HAS BEEN INACCURATE!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In XXXX i called XXXX XXXX XXXX to do a voluntary repossession because covid made my job shut down and my income was becoming to looking unreliable so they got the car and a month later they reported on my credit that the car payment was late even though when I gave the car back I was currently on my payments Than XXXX months later they auction off the car and it sold for more than i owed so i was given money back than they put account closed paid in full or sold to a collection on my account remarks which wasnt true so lenders thought i owed on that account than going on almost XXXX years later they changed my remarks into a repossession so my credit score dropped XXXX points on XX/XX/XXXX on a account closed almost XXXX  years ago in XXXX iand they havent reimburse me for the remaining months of the gap insurance I didnt use
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

I submitted a complaint already and the company responded by telling me Im wrong and that the apartment was left beyond reasonable repair. I have emails from when we moved into the apartment stating the apartment was not clean at all and that the blinds were already broken. Ive already explained the carpet situation, they needed to be replaced because of damage done by the apartment maintenance people, they were already replacing the carpets and painting because they were renovating all apartments. We did not do any damage to that apartment and left it just like we found it. The trash they claim was left there was one bag that the office itself told us was okay to leave up there as the apartment trash bins were overflowing. And as for contacting the apartment, I have made many attempts to reach them and have the manager phone number. She never answers the phone and never calls me back even though Ive left several upon several messages. My roommate and I moved into the apartments at XXXX XXXX  XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/XXXX, I came into the bank with {$3000.00} dollars, at. Wells Fargo Bank located at XXXX XXXX XXXX, XXXX, XXXX. I requested to open. A Bank Representative named, XXXX XXXX assisted me with opening up Saving Bond and or investment account for my XXXX children. The Account was suppose to have been a savings bond for my children savings for when they got older to use the money for their graduation expenses this year XXXX. The teller took the {$500.00} deposit for that account and forward it to some kind of investment broker that handles Saving investment bonds, then list my information to the Savings bond account. She did not remember me giving her the money for that separate account. On that day she gave me a paper of receipt for the Savings Bond, but it was destroyed through the years from a Storage Auction at XXXX XXXX on XXXX XXXX, in XXXX. I thought the Wells Fargo Bank would have a record of it, but the Manager kept saying I have to speak to the bank representative that opened the account for the information on that Savings Bond. My complaint is that my money was not returned or located in that branch. The representative, XXXX XXXX relocated to another branch and my account was never retrieved and the money was never refunded. That year I had a Savings and checking account with Wells Fargo also. That same day I deposited {$1000.00} into my savings and {$1000.00} into my checking account and {$500.00} into the Saving Bond. Investment account, which was stolen or misplaced by the bank representative, XXXX XXXX. How can I get a refund of the monies I deposited for my children 's Saving Bond investment account. I need an investigation of why the money was stolen or what account did the money go into. I want to know why the account information to the Savings Bond withheld from me or stolen and or destroyed. If the money is found or retrieved please forward it to my current mailing address : XXXX XXXX XXXX XXXX, NJ XXXX. My contact number is XXXX XXXX XXXX XXXX. Thank you for reviewing my complaint.
Consumer complaint received 2022-07-07
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. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose
Consumer complaint received 2022-04-08
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. (CA)

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had an issue last year when I pulled my credit report up and I was looking to get an apartment when I discovered that there were several accounts that were not included in the original dispute. I have an FTC report and letter to follow up on my complaint.. the following account is fraudulent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-07
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. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose
Consumer complaint received 2022-07-07
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-08
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. (LA)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Recovery Solutions LLC (FL)

Atlantic Recovery Solutions has contacted me about having to collect a debt with the amount of {$1100.00} XXXX I think thats how much ) from XXXX. They said that I stopped using the XXXX account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on XXXX nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the XXXX industry. Please contact me furthermore about the standing investigation of this incident.
Consumer complaint received 2022-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 

ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00}
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (CA)

I have been disputing the following accounts since XX/XX/2020 and the credit bureaus have verified them and in response, I have requested proof of verification and they have ignored my requests multiple times. They are verifying the accounts but still have plenty of errors which is severely hurting my credit score. I know my rights as a consumer is being severely violated and if this is not rectified, I am not beyond litigation. I have attached a copy of my report which you can clearly see all the errors within each account in question along with the last three letters to each credit bureaus I sent via Certified Mail ( including tracking number that confirms the credit bureaus received my letters ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : 01 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On Sunday, XX/XX/XXXX, I attempted to put a freeze on my credit date through equifax at www.freeze.equifax.com in order to prevent any fraud. I got through the process and to a webpage that said " Your security freeze request has been processed ''. Same page had the following " To view your one time PDF please Click Here '' and a link. The link did not work. So I could not retrieve my pin as the link didn't work. On Monday XX/XX/XXXX I called their customer service number, and was asked several security questions which were not answerable, and they would not let me proceed. I tried the same evening to go thru the process again, but since I had a freeze already, the only option was to unfreeze. There is no way to unfreeze without a pin, which they did not provide due to a problem on their website, and customer service is very unhelpful - as well as difficult to understand due to poor English. Also, they only operate during limited hours. Their website also includes a chat feature, which I tried to utilize for assistance, but they can't help with credit freezes. To top it all off, after the phone call with customer service I was supposed to be directed to a survey about the experience ; that didn't work either.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Upgrade, Inc. (MN)

The company applies interest daily immediately upon a purchase being made, and this is not clearly disclosed. Most traditional credit cards charge interest only on the balance left after a payment is due. Thus, to avoid any interest being applied, you must pay off each purchase as soon as the purchase is made. 

This was not clearly communicated to me, or I would not have chosen this card. This should be very clearly communicated before the card is used. 

The online statements do not include a description of how much daily interest has accrued and obscures these financing charges.
Consumer complaint received 2021-05-12
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. (CA)

I disputed in XXXX i disputed unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account that is marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.