davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX contacted me with a credit bureau report about a balance from XX/XX/XXXX, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

I had car loan with Ally Financial. It was for XXXX XXXX XXXX, which was paid off in XXXX. I have received the refund check in the amount {$280.00}. I misplaced the check, which means I did not cash it. However, I called Ally Financial and requested from them to re-issue the check. They promised to mail XXXX in, and made sure they have my current address of XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX. They failed to mail the check. So I called today again XX/XX/XXXX, and after speaking with the representative she advised that I need to be transferred to bankruptcy department. I asked why, since I did not file for the bankruptcy. I was unable to understand what she said due to poor XXXX. However, after she tried to transfer me, someone hung up on me. Ally never attempted to call me back or anything. Can you please help me getting my money bank, and making sure that my old and current accounts are not flagged for something I did not file for? 

Thanks Sincerely, XXXX XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

Received a notice from the aforementioned that I owed a debt to a company that I have never done any business with. They claim that they purchased the account from another entity and the original creditor was XXXX XXXX. As I mentioned, I have never done any business with XXXX XXXX, so I disputed the debt and sent to the address provided ( see attached scanned copy ). 
I XXXX the company ( Commonwealth Financial Systems ) and the results showed a huge number of complaints for this company where they have been fraudulently billing people with adverse impact to their credit ratings.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2021 - XXXX XXXX I have no knowledge of this inquiry and didn't authorize this company to check my credit.
Consumer complaint received 2021-07-07
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: AMERICAN EXPRESS COMPANY (MO)

I purchased glasses from XXXX XXXX  on XX/XX/XXXX for {$89.00}. When the glasses were received, they were not made correctly or made to the wrong prescription. I could not see out of them and they were blurry. I contacted the company and provided another copy of prescription and they verified that was what they had. They instructed me to send them the glasses to see if they were made correctly. I sent them and received conformation that they were received. Several weeks later, the company insisted that they were made correctly and would not refund my money. I opened a dispute with American Express. They ruled in my favor three times and then changed their mind three times. The last time, they sent an email stating I would have to pay but when I called, the agent told me the email was incorrect and I did not have to pay. Several weeks later, the charge was again placed on my card. When I called again, this time I was told that because I ordered them, it was not fraud and there was nothing they could do because that was the company 's policy.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla (ID)

Walla walla credit bureau has contacted me repeatedly for a debt that has already been paid. The debt is no longer on credit report and I received paid documents over 5 years ago. They call constantly but will not give proof of debt. Just demand money.
Consumer complaint received 2018-04-09
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: AES/PHEAA (IL)

I HAVE REPEATEDLY TRIED WITH ALL THREE CREDIT REPORTING BUREAUS AND MY STUDENT LOAN SERVICER TO CORRECT INACCURATE PAYMENT INFORMATION THAT IS SHOWING ON MY CREDIT REPORTS, MULTIPLE TIMES TO NO AVAIL. ARE THESE COMPANIES OUT OF THE SCOPE OF THE LAW? REPORTED INFORMATION ON CONSUMER CREDIT REPORTS HAS TO BE 100 PERCENT ACCURATE AND TRUE. I HAVE DOCUMENTATION SHOWING MY STUDENT LOANS ACCOUNTS WERE IN FORBEARANCE DURING THE TIME THAT IS SHOWING LATE PAYMENTS. 

ON THE OTHER HAND THE GENERAL PAYMENT HISTORY INFORMATION THAT IS REPORTED IS NOT EVEN CORRECT OR ACCURATE INCLUDING THE ERRONEOUS LATE PAYMENT INFORMATION. THE PAYMENT HISTORY GOES FROM ONE MONTH BEING CURRENT TO THE NEXT MONTH BEING 90 DAYS LATE. HOW IS THAT POSSIBLE IF ALL INFORMATION IS SUPPOSED TO BE ACCURATE. NO ACCOUNT CAN GO FROM BEING CURRENT ONE MONTH AND THEN 90 DAYS LATE THE VERY NEXT MONTH. IT ALSO HAS MANY MONTHS THAT THEY DID NOT REPORT ANY INFORMATION, AGAIN HOW CAN THAT BE POSSIBLE? THAT DOES NOT MAKE ANY LOGICAL SENSE IN ANY FORM. I AM REQUESTING MY ACCOUNTS BE THOROUGHLY REVIEWED AND UPDATED WITH FULL PAYMENT HISTORY AND ALL LATE PAYMENTS BE REMOVED AS I WAS NEVER LATE ON THESE ACCOUNTS.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018 I was charged a late fee despite having set up auto pay. The auto pay function is unfair, deceptive, and abusive. It requires a creation of an automated bill, and then it auto pays based off that bill. But the BOA interface never really makes it clear whether you are good to go on making your desired payment. It gives you boxes such as " you may need to make a payment '' instead of " you need to make a payment. '' This makes it difficult to commit to making a payment because you don't want the money taken out of your account twice, and BOA does not have the proper controls to stop that from happening.
Consumer complaint received 2018-04-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-23
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: LEXISNEXIS (GA)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Heyy my name is XXXX XXXX. I was part of a bank fraud, which unauthorized transactions happpened on my account. I told the Wells Fargo bank multiple times to fix it, and they denied my claim. Theyve put me in debt of - {$9900.00} unauthorized overdraft, and wont fix it. No security whatsoever, I wasnt notified and called for those transactions to take place. I had a limit. So theres no way they shouldve happened. 
Please help. Because they wont do anything.
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian is unavailable to discuss dispute of credit score. I received an email giving me excuses why their credit report reflects a score 50 points lower than other credit reporting agencies. Experian claimed their reporting is similar methods are similar to XXXX  and XXXX. My scores with XXXX  and XXXX  are reporting scores significantly higher than Experian. My other scores keep going up and my Experian score went down 20 points in one month with the same account information as the other two agencies. Experian continually advertises for me to pay to boost my score, lock my account, and any other service that i may want to raise my score. I believe this is unethical business practices and coercion for money. This costs me money in more ways than one. Im supposed to accept this from a company that doesnt secure my information from cyber attacks. Experian is releasing incorrect information to lenders that impacts my interest rates and subsequently the money I pay for loans. I feel this is unfair and criminal.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX I received a letter from XXXX XXXX XXXX indicating XXXX XXXX would not sue me or report the alleged debt to any credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported this debt to XXXX and XXXX. when i called them on the issue i was told they weren't sure why I received the letter but they would not remove it from my credit report. I submitted a dispute with XXXX but the agent submitted the wrong reason for dispute and now i have to submit another dispute and wait another 30 days for a response.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had fraud on my account on XX/XX/XXXX two separate charges of XXXX   from a financial services company and called to report it. I was told I would get a new card in 4 to 6 days and I never received it I called and tried to find out what happened they didnt update my address. ( wich I have them multiple times ). Repeated this process 3 more times and now here I am over 30 days later still with no card. They told me that since my pin was entered they had to charge the XXXX back to my account and said I was responsible to pay it. I was told they would credit me XXXX dollars back into the account for the inconvenience instead they took XXXX out of my account and said it was to cover fees that I was told was going to be waived. So basically someone stole money out of my account and they charged me for it. I had supervisors hang up on me and I have been threatened. I have names of the people I spoke too and I have saved on my phone all the days I called and they record every call. I have been lied to and thrown under the rug for a month and still have no resolution from capital one. She also confirmed that I was in my own words XXXX
Consumer complaint received 2022-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I made an overpayment in the amount of XXXX through my XXXX XXXX XXXXXXXX bill pay on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX. and informed them of my mistake along with a request for a refund. I was told to send them a fax with my bank statement and once it cleared they would send me a refund, which I did everything requested on XX/XX/XXXX. 
I have called each week since that time and they will lie and tell me its on the way. It will be deposited tomorrow. We don't do ACH deposits, we can only cut you a check. Well we'll deposit it the next day. I was disheartened with the lack of honesty and the fact they will tell a customer anything.
Consumer complaint received 2022-02-03
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. (DC)

Experian is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc. (MS)

Do I owe this debt to you or to the original creditor? 

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Google Compare Credit Cards Inc. (TX)

I'd like to remove my credit card which is no longer valid ending in XXXX XXXX off Google pay and it will not allow me to remove the card I need to have the card removed as soon as possible thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i got it you XXXX
Consumer complaint received 2022-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, CA was transfered from XXXX to Lakeview Loan Servicing XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022. 
The terms of the loan were changed. My previous loan did not have an escrow account. Lakeview is now charging for tax and insurance. I have contacted Lakeview several times via phone and email. They have not responded. The keep sending me harassing voice messages to recover the funds they do not deserve
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IA)

Members XXXX XXXX XXXX XXXX change XXXX XXXX to XXXX XXXX XXXX. i start having problems sinceXX/XX/2018XXXX credit card holder increase the minimum payment without notice and increase the interest charge on purchase i don't purchase anything since XX/XX/2018 
XX/XX/XXXX minimum payment was XXXX purchase charge interest XXXX XX/XX/XXXX Minimum payment XXXX purchase charge interest XXXX XX/XX/XXXX minimum payment XXXX purchase interest charge XXXX credit car balance XXXX
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (MD)

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 2022-06-10
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: DISCOVER BANK (ID)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.