davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2022-12-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-07-11
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: R.M. Galicia, Inc. (NC)

Progressive Management is reporting a medical debt of {$76.00} on my credit report. I have sent a request to have a verification and validation of that so called medical debt. The letter was received by the company on XX/XX/2019 as per my return slip and as of today XX/XX/2019, I have not had any response from the company yet its still being reported. 

As this is a medical debt showing I am really concerned over my HIPAA violation and would have loved to have this validated. I am requesting that this company stop reporting this debt as they have not been able to validate or verify as per my first request.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an collection reporting from XXXX XXXX I have on numerous occasions mailed documents to XXXX XXXX  requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX  and XXXX are reporting incorrectly lates on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) These student loans were deferred and consolidated and therefore should not be reporting on my credit report. I have contacted the ( 3 ) bureaus to remove this item, however I was unsuccessful. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

The credit card transactions in the amounts of {$100.00} and {$50.00} were timely disputed with the issuing banks. The merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX " XXXX '' ) did not respond to these disputes. As such, the banks credited back the respective amounts to my credit cards and closed the disputes. 

Several weeks after the disputes were closed by the banks in my favor, XXXX reported these amounts to Fair Collections and Outsourcing, Inc. ( " FCO '' ) as checks returned for insufficient funds and further added returned check charges of {$25.00} and {$35.00} respectively. ( See attached verification ) This is a FALSE REPRESENTATION because no checks were involved in any transaction. XXXX and FCO have attempted to portray that the closed credit card disputes were in fact returned checks. Neither XXXX nor FCO has provided me a copy of any returned check.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

XXXX XXXX has improperly reported a delinquent payment on my credit report. I contacted them about a series of late fees and XXXX XXXX admitted that it was an internal error and all late fees were removed. Nonetheless, XXXX XXXX has failed to take corrective action on my credit report, which now inaccurately reports their own internal billing error as a negative information.
Consumer complaint received 2022-12-01
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received a text alert from my credit monitoring service, XXXX. On XX/XX/2021 they notified me that an account was opened at TD Bank without my authorization or knowledge using my personal information. I subsequently contacted TD Bank and they confirmed that an account had been opened, and that in order to open this account with them my Social Security number and drivers license information wouldve had to have been provided. Of particular concern and interest to me is the fact that one week prior I had purchased a new vehicle for myself and also a vehicle for my wife from XXXX XXXX XXXX  XXXX Pennsylvania at which time my drivers license and Social Security number was provided to the dealerships for the financing.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC (AR)

I wish to make a formal compliant against this finance company that I previously got a loan for XXXX years ago. I requested that the company come and get the automobile because, it was not worth the amount of money that I was paying and that the repairs were more than the car itself. this company refused to come pick up the car for several of months while I was still making payments on the car. I found out that this company has gone out of business, and then the car was sold at an auction for less than what was paid on it. I have contacted the credit Bureaus in reference to this being taken off my credit report because they are reporting this as a repossession.
Consumer complaint received 2019-01-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OK)

I shifted to XXXX last year because I am eligible for and going for the Public Service Loan Forgiveness program. I have been on the same income-based repayment plan since 2013. This last year, my income went up drastically. I've done my research and learned that I can stay on my plan, I just might need to pay more. I'm fine with this and it makes sense given the fact that I am going for PSLF. 

I have now applied twice to renew my plan, and been denied twice. " A letter '' is coming to me, but I was denied the first time on XX/XX/XXXX and still don't know why. I re-applied yesterday and was denied again today. I have received no contact back from them when I ask why. 

They are now moving forward with putting me on the standard payment plan, adding interest back to my loan so my payments are increasing even more, and ignoring my requests for an IDR repayment plan. I was with two other loan companies that were amazing, and am so frustrated that I have this experience now.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/2018 I applied for a Chase XXXX XXXX credit card having a XXXX point signup bonus if I charged {$1000.00} on the card in 3 months. 

The Chase XXXX offer stated : " Bonus Awards. The product is not available to either I ) current cardmembers of any XXXX Rapid Rewards credit card or ii ) previous cardmembers of any XXXX Rapid Rewards who received a new cardmember bonus within the past 24 months. '' I received a new cardmember bonus about 36 months ago so the product should have been available to me. 
My credit score is XXXX ( very good ), I pay all my bills on time, and I do not owe money so I am financially qualified.

I was not approved because Chase said I had too many credit cards opened in the last 2 years. ( See attachment letter from Chase ) This additional requirement was not stated in the offer. The offer was deceptive.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (AZ)

Hello, I need this complaint sent to XXXX XXXX. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. MISUSE OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN XXXX XXXX XXXX ( H ) XXXX fraudulent inquires has caused financial hard ship. this make up 10 % of my credit score. I have been denied credit, XXXX and Equifax has already complied with the facts of law I've laid out. But XXXX it self over the have phone told me they don't care about the federal codes, that XXXX wrote for them to follow. XXXX continuously have disregards to the XXXX, XXXX XXXX XXXX XXXX chapter XXXX and to the natural people.
Consumer complaint received 2022-12-01
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. (NC)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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 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 2022-07-05
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. (NY)

I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been an American Express Card Holder since 1989. Over the past year, I have disputed several fraudulent charges to my card and had to spend numerous hours on the phone with American express to resolve. American Express customer service is highly inefficient and customer service representatives are no trained. Most customer service representatives don't speak English. Their on-line web site has issues which has resulted in me spending hours, and sometimes weeks on the phone with them to resolve. Some of the discussions have become heated because every time I call back to discuss a dispute I need to start from the beginning. American Express has been inconsistent with resolving disputes, and in most cases sides with the merchant. One charge I disputed, all the merchant needed to provide was my name and address which was sufficient for Am Ex to side with the merchant. After months of going back and forth with Amex, they contacted me and told me my account was black listed and my card was cancelled, despite I had not missed payments and my account was current. As a result of Am Ex cancelling my account my credit score dropped 30 points. I am being taken advantage of a large corporation who has ruined my credit score and black listed me for no good reason. They claim they black listed me because of negative conversations I have had with their offshore customer service representatives that can not speak English. I am requesting my account to be reinstated until the balance is paid off. I don't think it's fair for me to have a negative impact to my credit score just because a major corporation black lists me when I had the account for over 40 years and in good standing. I don't care to use the card, but doing this to me during a global pandemic is cruel and unfair.
Consumer complaint received 2020-12-23
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. (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 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

An unauthorized payment was taken out of my checking account for {$11000.00} to pay account in full. I contacted the credit card on XX/XX/2020 when I was informed of unauthorized activity on the account. They closed the card and issued me a new number and unknown to me a payment was scheduled at that time. I didnt schedule a payment or authorize it to be taken from my checking account, and I would never have scheduled a payment for the full amount. Whether this was an error by the representative or bank error, I need the funds put back in my checking account ASAP!
Consumer complaint received 2022-07-22
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. (CA)

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
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 {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Today, XX/XX/XXXX I successfully established credit freezes with the XXXX and XXXX credit reporting agencies. I attempted to do the same thing with Equifax and after completing their online procedure I was told " We are having difficulty verifying your identity ''. I was given the option of waiting for a mailed response or calling and I chose the latter. The Equifax agent then requested my name, Social Security Number, mailing address, phone number, and date of birth. I was somewhat reluctant to comply with these requests but did give the information. That turned out to be insufficient. The agent then wanted to know if I had a mortgage. I do not. She then asked if I had had a mortgage and with which bank. I did and the balance is XXXX. Thereafter she asked for a complete list of all current credit cards and balances and monthly payments at which point I lost patience. She said it was simply company policy to demand all this. I fail to understand why I should have to give more information than I had already given to determine who I am and what was wrong with the credit freeze process for this single reporting agency. I was already extremely unhappy about sharing such a lengthy and complete list of detailed personal information with a stranger on the other end of a phone call. Amongst the disturbing questions asked was the following : " Our records indicate that you may have applied for an auto loan or lease in XX/XX/XXXX. With which of the following banks did you have such a loan? '' I had made no such application and had no such loan! 

I hope that the CFPB can help me obtain a credit freeze with this agency and determine what obstruction Equifax imagines stands in the way of this transaction.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (IA)

We sold our house and the realtor that we used hired a closing company to close the house and pay off the mortgage. It is the mortgage companies job to get the correct pay off amount and issue it to the closing company. The closing company did receive the pay off and fowarded it to Guild. They received the payment and signed for it and then lost or misplaced the payment and are now charging interest on the mortgage because of their neglect to find or post the payment. Guild now wants us to pay the interest out of our escrow account stating they have not received the payment when in fact I have signed documents from their employee that they did receive the payment.
Consumer complaint received 2022-07-22
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. (NY)

For some reason I have multiple inquires on my report that I did not do and accounts I did not create. I have written the credit company multiple times about the inaccurate information and they have done nothing about it.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: J J Marshall & Associates, Inc (MI)

I contacted this company to settle the debts. I was told that they would contact the financial institution and get back to me. I have not heard from them and i received another letter in the mail with the wrong debt amount. The new balance is much higher. This account is closed and was charged off last year. There shouldnt be any new interest. The first time I received a collection bill was around XXXX of XXXX and the amount was {$3800.00}. The most recent bill was receive on XX/XX/XXXX and the amount was {$4500.00}
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (MD)

I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.