davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 I received a response from all three credit bureaus XXXX, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Date : XX/XX/2021 Amount : {$4500.00} I tried calling the issuer of the XXXX  Unemployment Card ( Bank of America XXXX about why they get my unemployment card closed which they have no positive responds. I tried sending out my unemployment money in the unemployment card to an authorized third party and the Bank of America got my card closed. After several callings and provision of all required information they still can not uplift the lock on my card.
Consumer complaint received 2021-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

We purchased the house in XX/XX/XXXX, United Wholesale Mortgage ( UWM ) was our loan servicer. UWM erroneously paid my next door neighbors property taxes along with mine out of my escrow account, twice. My loan was sold to XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX sent me an annual escrow account disclosure statement saying there is a shortfall in my escrow account and my new mortgage payment was increasing $ XXXX a month as of XX/XX/XXXX. Obviously that got my attention and after reviewing the statement I noticed the multiple property tax payments. I only have one XXXX at my property. I started communication with both XXXX and UWM in XXXX of XXXX regarding this error, always getting a different customer service rep that is sympathetic but not able to get anything done. Finally in XXXX of XXXX I was able to get one of the payments back into my escrow account. The remaining XX/XX/XXXX payment was made in a large wire and can only be lifted off from the people who paid it, UWM/XXXX I can't get them to do it. To be clear, in your questions you asked if I'm behind in my mortgage payments, I answered yes because that's what XXXX is showing but I make my agreed upon monthly payment on time every month and have never even been late, I just refuse to pay extra because UWM made a mistake. In XX/XX/XXXX XXXX reported us to the credit agencies as being past due which caused our credit score to drop over a XXXX points! Now we're getting foreclosure threatening letters. I need help to get through this corporate world so that someone will listen to me and fix this nightmare that's been going on for almost a year! I hope you can help. Thank you.
Consumer complaint received 2022-12-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account # XXXX, Account name : XXXX  Account # XXXX, Account XXXX XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account XXXX : XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX  XXXX  Account # XXXX, have all 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-12-16
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2021-05-14
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. (NY)

Was contacted by PYOD Earlier this month about a collection that was not mine. I told them it doesnt belong to me. Now its on my credit report. I called XXXX and tried to Dispute it.
Consumer complaint received 2022-03-27
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: BARCLAYS BANK DELAWARE (PA)

I disputed a charge on the Barclays Bank credit card as soon as it appeared on my statement for a service I was not happy with on XX/XX/2022. In mid XXXX of 2022 the merchant agree to the dispute and directed Barclay to credit the charge. The merchant has let me know that they will not charge me and the bank on their side has said there is nothing more for them to do. Barclay Bank needs to simply remove the charge from my card. Instead, they advised the merchant that they would respond to their request to refund the charge by end of XXXX. Barclays has added it back to my card and requested payment. 

I can not get anyone to speak with me about it and, to date, the charge is on my card and they are requesting payment by XX/XX/XXXX. In the meantime, due to their delay to reverse this charge, I will also be charged fees and finance charges on the balance. 

This is criminal for a bank to manipulate funds and customer use of their credit card in such a way. They are setting themselves up to make money from a customer dispute matter. 

I am not alone in this complaint with Barclays Bank credit card. A quick perusal of their social media page tells that this unethical ( criminal? ) behavior is how they perform in their daily business. 

PLEASE do something about this for me and all others who are victims to this bank 's unethical behavior.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

We have received a lot of calls from a company called XXXX XXXX. They are claiming we owe them around {$80.00}. We have told them that if we owe you them please send us the information to back it up ( signed contract asking for a loan, credit card, or services ). This has been over the last 6-8 months. We still have not received any written communication. 
This morning I received an alert from my credit monitoring that XXXX XXXX shows we opened an account XXXX XXXX, and XXXX shows we have a collection account with XXXX XXXX as well. 
Any help is appreciated!
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Several times in XXXX, I was denied when I was trying to cash a payroll check. On XX/XX/XXXX I requested a Consumer File Disclosure Report from Certigy Check Services, to see why my attempts might have been denied. This report was prepared on XX/XX/XXXX, and I received it on XX/XX/XXXX. The report they sent me had the list of denied checks, but was missing the payments successfully made at XXXX 's ; based on the denial message, it seems that these missing payments contributed to the denial of my check cashing. On XX/XX/XXXX, I contacted Certigy to correct these errors. On XX/XX/XXXX, they prepared a letter saying that they determined that the information is accurate and complete as reported. I received this letter approximately XX/XX/XXXX. On XX/XX/XXXX, I called them to remind that I provided them receipts of these payments, and asking them what proof they needed in order to enter these transactions into their system ; I was told that I would be called back with this information. On XX/XX/XXXX, I received a call from a representative named XXXX, who acknowledged that the omissions might be due to transmission errors, and told me that Certigy has no mechanism of correcting an omission on the report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX Auto Loan In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (GA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$71.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MI)

Someone opened an account with my name called milestone credit card info on XXXX. XXXX  was XXXX dollar limit they charged XXXX dollars acount.opened XX/XX/1922 22
Consumer complaint received 2021-05-14
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. (SC)

XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGA CAPITAL FUNDING INC. (CA)

In XXXX of 2020 I sent in a payment to establish my escrow account. I called more than once to verify that my escrow account would be established and they said it would be. I waited for my payment amount to change and after a few months of no change I called again. They misapplied my escrow payment to my principle, when they reversed the payment they also reversed my last three mortgage payments and then sent me to collections and sent letters saying that I was in default. I called multiple times trying to get the situation sorted out. I was told that it would be fixed by XXXX, it was not. It has finally been fixed and they took the correct payment over the phone. I called to make the XXXX payment and they are refusing to take my payment. They insist that they can not take a partial payment, even though they did for XXXX. They have messed up my account and have not been helpful. I can not understand how they are able to stay in business.
Consumer complaint received 2022-03-27
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: Capio Partners, LLC (MS)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consume reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2018-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy All that is listed above is not mine please have them send the CFPB proof of said fact so I can take this to next level
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WI)

American Express offered me a bonus of XXXX XXXX " miles '' for opening a new card and spending {$3000.00} on the card withing 90 days. I completed the targeted application, we approved and promised the reward. 
When I did not receive the reward we questioned American Express and was told that I had a similar card years ago and they would not honor the offer. I want to know why Amex would # 1 ) offer me this card, # 2 approve the application for this award # 3 deny me the benefit of fulfilling the offer. I has several other competing offers for my business and decided to give AMEX another chance and have now missed out on several comparable or better offers. 
American Express is making and approving offers that they do not honor and hiding behind small print ... .extremely misleading and deceitful marketing practices from a company I hold in high regard, I hope they make this right.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and XXXX XXXX XXXX in order to process the claim but the two companies were very non-compliant providing that information. I called XXXX XXXX XXXX several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting XXXX XXXX XXXX and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from Experian telling me that my credit score had dropped dramatically. When I checked Experian I noticed that XXXX XXXX XXXX had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history Experian was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, XXXX XXXX XXXX reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with Experian and XXXX XXXX XXXX and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have asked for my credit report for all 3 credit bureaus and they can't verify my identity or can't or won't send me a copy of my credit reports for some reason. I've also asked for a credit report for my daughter and they tell me that they can't get one, and also I've tried to report my ex husband XX/XX/XXXX since XX/XX/2021, but they tell me that I can't report him as XX/XX/XXXXand I'm not sure as to why because I'm his ex wife and he has been XX/XX/XXXX since XX/XX/2021.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 

XXXX XXXX Opened XX/XX/XXXX Balance XXXX Account # XXXX its a charged off account and it's showing open. ( I need this account off my credit report ) XXXX XXXX opened on XX/XX/XXXX for XXXX Account # XXXX It's showing account is paid off and closed. ( please remove this from my credit report ) XXXX XXXX opened ( XX/XX/XXXX Account # XXXX XXXX diffrent accounts showing the same time. One credit bureau is showing closed and the other paid ( please remove this from my credit report ) XXXXXXXX XXXX Opened the same time ( XX/XX/XXXX Account # XXXX Here is another false report on my credit please remove. One credit bureau is showing closed and the other paid XXXXXXXX XXXX ( XX/XX/XXXX Account # XXXX here is another false report on my credit report. please remove this item. 

XXXX XXXX opened XX/XX/XXXX XXXX Account XXXX Collection/Chargeoff account ( please remove from credit report. 

XXXX opened XX/XX/XXXX XXXX account closed ( please remove item from my credit report ) XXXX XXXX XX/XX/XXXX XXXX Collection/Chargeoff ( please remove this from my credit report ) XXXX Opened XX/XX/XXXX Amount {$7600.00} account closed ( please remove from my credit report )
Consumer complaint received 2022-04-10
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. (WA)

Filed XX/XX/2022 XXXX XXXX XXXX The above complaints were filed after I was declined for credit. The reason that I was declined is that I am deceased. I contacted all three major credit reporting agencies ( XXXX, Equifax, XXXX ), all three of which denied there was anything on my report, at their agency, that listed me as deceased. I then proceeded to file the complaints listed above. 

After filing those complaints, the response from all three companies was, once again, that they had nothing negative on their records. 

To make a long story short, here is what I found when I looked at XXXX today under " Personal statements '' ; " XXXX & XXXX XXXX DOCUMENTATION HAS BEEN PROVIDED CERTIFYING THAT THIS CONSUMER IS DECEASED XXXX '' ( see attachment for screenshot ) In addition to the above, my name and my address are listed wrong. And they show an open Mortgage XXXX for {$320000.00}. 

I do not have a real estate loan, my home is paid for, free and clear. In fact, I do not have any loans. The ONLY financial relationship I have is with XXXX Bank. The only accounts I have with XXXX Bank are XXXX checking account, XXXX savings account, XXXX credit card, and XXXX debit card. I do not have any open loans, credit cards, or other accounts of any kind with any other financial institution. 

I attempted to check myEquifax but after entering my log in information I was presented with the following " We can't complete your request at this time. Please call the XXXX XXXX XXXX '' I also attempted to check XXXX account but my log in attempts there were met with Invalid credentials. The same credentials I used in XXXX and XXXX but now they are no good? 

As stated in my previous complaints, all three of the credit information services mentioned above have had inaccurate information on my file for decades. They have continually confused my brothers and my information and obviously continue to do so. 

My brother is DECEASED, I am NOT. 

Please inform these companies that I have made numerous attempts over the years, and obviously recently, to get these errors corrected. This is my last attempt to provide them the opportunity to correct my information prior to exploring my legal options for recourse. 

Best Regards, XXXX XXXX XXXX