davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (OR)

In XX/XX/2023 my mortgage company XXXX XXXX XXXX XXXX ) tired to charge my bank account using auto pay and due to an error on the bank ( that just got purchased by another bank and was making changes that caused issues ) my lender did not report to me that payment was not accepted by the bank until after 30 days, at which point they have already marked my credit report with a 30 days late issue. 

I have then resolved this issue with the bank and the lender which reinstate my account to good standing but apparently did not correct the 30 days late in the credit report. I discovered this a year later when I got my credit report. I ask them to correct this, and they said I can only fix it by asking the credit agencies to correct it via a dispute. I have submitted a dispute and got a response back from XXXX and XXXX. Both reports indicate that something was corrected but do not indicate what it is, but also indicate that the 30 days late item was not corrected but did not explain why. 

When I asked them about it both told me to go back to the lender and have them fix it but the lender says no, the credit agencies have to fix it. They are both refusing to help.
Consumer complaint received 2022-03-04
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. (TX)

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Consumer complaint received 2019-03-28
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. (TN)

Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times please delete the following inaccurate information from my credit file within the next 30 days I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during this. I know that these inaccuracy inaccuracies should be automatically removed I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate telephone numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consume

r reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 


Regards, XXXX XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2019-03-28
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. (TN)

XXXX and Transunion are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-08-17
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: Bread Financial Holdings, Inc. (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2018-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires
Consumer complaint received 2022-03-04
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. (TX)

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX  acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXXy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (MO)

I have no clue what the debt is for they will not tell me they are rude and not willing to help resolve the issue. They call 5x a day atleast at all hours and have taken to calling my parents who have nothing to do with whatever this is multiple times a day causing issues there.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions (AL)

Holloway Credit Solutions has reported derogatory information on my credit report that I do not owe them. They have violated my rights under HIPPA and FCRA in this manner before. They told me that they would remove ALL of those negative and illegal items from my credit immediately and have failed to remove ALL of them. There is still one reporting for the amount of {$290.00} in which I do not owe to them.
Consumer complaint received 2022-07-24
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: ENCORE CAPITAL GROUP INC. (TX)

In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. MIDLAND CREDIT MANAGEM # XXXX / {$1400.00} 2. XXXX XXXX XXXX # XXXX / {$630.00} XXXX. XXXX XXXX XXXX # XXXX / {$940.00} 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.
Consumer complaint received 2019-03-28
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: CREDIT ACCEPTANCE CORPORATION (NC)

I filed an identity theft report, with the Federal Trade Commission, against Credit Acceptance for a loan for a vehicle that I do not own. I mailed the letter from FTC disputing the account on XX/XX/2019. The company calls me every day at least 3 times per day, I answer and they hang up without saying anything. They also mailed me a letter dated XX/XX/2019 stating the vehicle would be sold on XX/XX/2019 and to call them to learn the exact amount owed on the account to get the property back.
Consumer complaint received 2019-03-25
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. (GA)

Equifax is incorrectly reporting a identity theft account from XXXX on my credit file. I have completed an Identity theft, FTC form and submitted to XXXX and Equifax. I need your assistance in getting this item removed from my credit file.
Consumer complaint received 2019-03-28
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 (CO)

In XXXX of 2018 an unexpected charge was made to my Bank of America credit card. It was unexpected because a vendor used a card that I had not used for over a year. For the next six months Bank of America did not send a monthly statement or contact me about this charge in any way. There was no mailed statement, no phone call, no e-mail. They had all the correct contact information for me, as I later verified by phone. Over those six months {$200.00} of fees were added to my account. I would have had no idea, this was happening, except I regularly log into online accounts to verify passwords and activity. Then, I noticed the balance on this rarely used card.
Consumer complaint received 2019-03-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Again this XXXX XXXX XXXX has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX
Consumer complaint received 2018-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

In XX/XX/XXXX my husband, XXXX XXXX, Was laid off due to XXXX going out of business. He was out of work for a year. He applied for unemployment and called the mortgage company as soon as he got home. He explained to them it would take up to a month to receive the first check. They told him to send the payments when it starts. 
When he got the first full check 5 weeks later we started sending the payments. This was in XX/XX/XXXX. In XX/XX/XXXXwe received a check and a letter stating we were XXXX dollars short of the full 3 month payment. In anger XXXX tore up the letter. 
We were immediately put into foreclosure. In the next 6 years we did 13 modification packets, got a lawyer, went to every hearing, did a mediation that lasted a year. In the end we filed chapter XXXX to save the house. We were not able to do so. In XX/XX/XXXX the house was sold and we now are residing with our daughter and her husband.

During the mediation we were told that there were count of fraudulent act with in our mortgage. We were never able to prove it. 

We would like this to go on record against XXXX as we did everything in good faith and got screwed.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I submitted a fraud claim at the end of XXXX I believe XX/XX/XXXX XXXX} was stolen from my account due to fraud I immediately called SunTrust when I found money was missing and open the claim they said that they would investigate the claim and provide me with a decision about two weeks later they concluded that they found no error. After calling and speaking to multiple representatives one explained that I needed to file a rebuttal form and provide proof which I did last week they finally refunded me my XXXX in the meantime due to not having my {$XXXX} in my account in XXXX through XX/XX/XXXX I incurred XXXX insufficient fun fees charged at the amount of {$XXXX} per fee some of these fees are duplicates from the same merchant multiple times and none of these fees wouldve occurred if Fraud was not allowed on my account or if a temporary credit would have been granted while they did their investigation or if they did their investigation correctly the first time. With all the fees Ive paid the money I had going in and if I had my {$XXXX} I never would have been in a negative state I have reached out to SunTrust now truest multiple times for an hour to two hours at a time each time they keep pointing the finger at a different department and nobody is providing me assistance.
Consumer complaint received 2021-10-24
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: Stern Recovery Services, Inc. (NC)

I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

I Submitted on XX/XX/year> at XXXXXXXX XXXX XXXXXXXX a request to transfer {$200.00} to a friends bank account in XXXX ( she was in the room with me & saw the Note that read it could take 3 days to deposite to her account. ) that was unacceptable. I read the cusomre rights notice " You can cancel for a full refund anytime unless the funds have been picked up or deposited. " I couldn't find a cancel button, So I called with in 5 minutes from the time i submitted my request. around XXXX. The gentleman who answered said he wasn't sure if he could cancel, but he would put me on hold an find out. When he got back on the phone he said he was able to cancel that trasnaction but it could take up to XXXX business days to be refuned to my check card. with that transaction canceled by XXXX, i then submitted a request XXXX for {$200.00} transfered to carabean express for cash pickup which stated it would be ready for pick-up at XXXX. But my earlier bank deposite transaction never got canceled. they say it's because it was on it's way to the bank when i tried to cancel but the reciept shows the bank didn't recieve that money until XXXX hours later at XXXX
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I keep getting letters from a debt collector by the name of XXXX XXXX ... Something along those lines and they are trying to collect debt that does not belong to me at all. I need this problem resolved and taken off. It's showing that i owe around {$6000.00} to them in three separate accounts.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian did NOT properly verify the information they claim they verified from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are ONLY USING name & social to verify information.
Consumer complaint received 2019-11-11
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: Experian Information Solutions Inc. (MI)

I recently disputed a line item on my credit report with Experian. It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX complaint that states the following. Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Experian reports this account being removed on XX/XX/XXXX, one year past the allowable date. Please see all attachements from XXXX supporting my cause. Experian is the only reporting agency yet to correct this error, since the information provided does not meet their criteria. I have tried multiple times to fix this with Experian without success even though I have provided them with the attachments in this complaint directly from XXXX supporting my case. It has been a frustrating situation that needs to be resolved. 
Please note this complaint contains an attachment from XXXX with respect to CPFB complaint and resolution. The information is right there.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (TN)

On Sunday XX/XX/XXXX I went to the atm at suntrust in XXXX  TN. I made a deposit at the atm that consisted of a {$100.00} check and {$1500.00} in cash. The machine froze up and ate my money and my card was stuck in the slot. So I pulled my card out with a pair of pliers and had to leave. Ive filed 2 claims now and went by the bank on Monday the next day XX/XX/XXXX. I was told Id get an email for temporay credit. Its now day 3 since the event and I still havent received one. So now on Wednesday XX/XX/XXXX I have just left the bank again after speaking with the branch manager. Once again he just made a phone call and I was told the same thing again its going to be 7-10 business days. Thats 2 weeks without the money I needed to pay some things with. This is total bank error and not my fault since the machine glitched on me. I need my money back as soon as possible I hope this will help.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc. (NJ)

Per this debt collection agency letter to my complaint I had two options of which I will attach. I have paid the debt online as they have stated I can do but now they are requesting I send them a signed credit card authorization form in which I have already paid the debt per their letter this will be remove from all credit agencies once paid I have up held my end of the bargain. This is unfair practice. 


I have attach their letter to my complaint I. Which they stated I can pay online and I have attach their payment email. They are stalling deleting off my credit.
Consumer complaint received 2019-11-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PennyMac treated myXX/XX/2019 payment of {$1900.00} as a principal reduction payment yet only reduced the principal by {$31.00}? 

This was a monthly payment. It should be processed properly.