davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

I have been trying to freeze my credit with Experian. I had absolutely no problems doing this with XXXX and XXXX. Every time I try to do this with Experian, I fill in my application, and then it asks me credit reporting questions. I know I'm answering them correctly yet each time it tells me that it can't honor my request. This always happens as well when I try to access my yearly free credit report. 

It seems to me they are making sure to reject any request and I shouldn't have to jump through this hoop just to protect my credit and identity. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

The XXXX  credit reporting settlement order is In the Matter of : XXXX XXXX XXXX, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau . 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit again and there are still some stuff on there that is not mine. I have reached out to the FTC and to my local police department and I am doing this on my own. Please remove them from my credit report so I can go back to school and make a better life for my family. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I went to XXXX XXXX & XXXX XXXX XXXX, XXXX NY to look at appliances for my new apartment. Salesperson XXXX XXXX assisted me. I had planned to use my credit card to make the purchase but Mr. XXXX encouraged me to take out the store credit card through Synchrony Bank and I would be given a promotional sale which is 18 months interest free to pay off my purchase. I credited {$3500.00} worth of appliances that day and he calculated my monthly payments as {$190.00}. I paid {$200.00} every month up until XX/XX/2018. In XX/XX/XXXX to my surprise I received an email from Synchrony Bank saying that the promotion would expire XX/XX/XXXX. I then made numerous calls to XXXX XXXX XXXX XXXX and was given the runaround. They put me on hold numerous times and then mysteriously the call was dropped. On one occasion they said that the manager was busy and would return my call. He never did. When I called back they told that the manager was still busy and I should call Synchrony Bank instead because they could not help me. The salesperson Mr. XXXX was always conveniently not at work to take my calls. 
I called Synchrony Bank and they told me that they had nothing to do with the promotional sale and that XXXX XXXX are responsible. I was caught between a rock and a hard place as no one wanted to take responsibility and rectify the problem. I balance of approximately {$1100.00} became almost {$1700.00} and when I paid monthly interest was again added monthly. In order to preserve my good credit I had to transfer funds from another credit card with a lower interest rate to pay off this never ending balance.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Experian is refusing to delete negative reporting of late payments on an account that are dated as having an original date of delinquency of longer than 7 years. I have disputed this information on three separate occasions and have been given different dates of when the late payments would be removed. 
The account is with XXXX XXXX XXXX XXXX   and I have confirmed that the original date of delinquency is XX/XX/12 with XXXX and that the account did not become current until XX/XX/12. This negative information is outdated. 

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened up a bank account a few months back with Huntington bank. I then got into buy sell and trade to make some extra money in this XXXX economy. Of course with using that account with buy sell trade when doing it strictly online there may be some problems you need to address. I have filed some disputes, I won some cases and I lost some cases and my last XXXX paychecks have been deposited into my account and these disputes had never led me account to go negative. I had talked to a customer service rep about cancelling disputes and he told me on the phone that it would just be smart to let the cases ride out and then if Im at fault the provisional credits would just be taken back easy as that. Not in my case, I tried to withdraw some money last week to pay rent to find out my account had a hold on it and there holding last weeks pay and this weeks pay XXXX and claim my account will be closed on the XXXX of XXXX. I had gotten no phone call, no piece of mail, nothing stating that my account was subject to be closed. I have bills that need to be paid very badly and I have XXXX dollars in that account which is everything I have to my name. I need that money and I need it badly.
Consumer complaint received 2022-08-16
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. (MT)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance  {$0.00}.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Hey in Last year send all documents to credit bureau never got any response back items still remind on my credit report by law after 30 day 's no response company supposed remove items.
Consumer complaint received 2019-01-29
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. (MI)

I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

In 2018 i spoke to a Wells Fargo representative about a payment that was not due at the time.I told the representative that due to being out of the country i could not make the payment until i was back to the united states.Wells Fargo states to me that if the payment goes over 30 days they will not report anything onto my credit.I have been a customer for wells Fargo for years and never experience this type of treatment i am a customer that does not miss payments.I have wrote wells Fargo multiple times and no reply regrading this.This is not good customer service that you are offering your customers.This should not be reported onto my credit.Very disappointed in your services.
Consumer complaint received 2022-08-16
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. (MT)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ISSUE : Credit card company refuses to restore XXXX miles related to a fully refunded purchase. 

DETAILS : On XX/XX/2019 a merchant charge of {$1600.00} posted to my credit card account. On XX/XX/2019 I redeemed XXXX miles towards the full cost of this charge. ( The redemption conversion rate for this reward program is XXXX miles for every XXXX USD ) On XX/XX/2019, the same merchant refunded the {$1600.00}. However, after multiple attempts to directly resolve, the credit card company claims I am not owed the XXXX miles redeemed for the now-refunded purchase. 

***Note : This reward program allows consumers to earn " double miles '' for every dollar charged on their credit card. The charge for {$1600.00} generated XXXX earned miles that were subsequently taken away when the merchant credited my account for the same amount. I have NO ISSUE with this transaction. *** I have all billing statements, account information and necessary details to resolve.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (LA)

In accordance with the fair credit reporting Act ( Enhanced Recovery Co L Acct # XXXX ) & ( XXXX XXXX  XXXX Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX. XXXX, XXXX Acct # XXXX ) has violated my constitutional 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 account without my written instructions.
Consumer complaint received 2023-08-04
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2022-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Wakefield and Associates has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX and account # XXXX thru XXXX certified mail XX/XX/2022 tracking # XXXX it was delivered XX/XX/2022. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also it appears to be reporting the same accounts twice and due to the non-response i do not know.
Consumer complaint received 2023-08-04
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2019-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automatic Data Processing, Inc. (PA)

In XX/XX/2018, XXXX XXXX address received a bill from a Payroll service ADP for a fraudulent business. The business had the name XXXX XXXX, XXXX XXXX at my address of XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX. I immediately contacted ADP in XXXX of 2018 and told them to close the account ; it was fraudulent and at no time was there ever a business at my residential address of XXXX XXXX XXXX XXXX XXXX, XXXX Pa. It was very difficult to explain to them about the fraud and they gave me to customer service, and eventually their fraud department department. I talked to XXXX, their security person, and she assured me that the fraud business account would be closed after they did their investigation. The FBI agent XXXX XXXX and IRS Agent XXXX were also involved because of fraudulent EIN numbers. Finally in XXXX of 2018 we received a letter from ADP Fraud division that the account was closed. Just one month ago I started receiving letters from a collection agency in Louisiana to pay {$3800.00} for the XXXX XXXX XXXX XXXX company at my residential address. We are being continually harassed by ADP 's collection agency even after we sent them a letter regarding ADP and the online fraud it caused by not identifying a legitimate company. I am approaching XXXX years of age and can not believe the brashness and lack of responsibility of these companies. Thanks for letting me vent and contact me.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

carrington latest specialist XXXX XXXX stated she refuses to deal with us .we do not have a specialist.oiut concerns have not been address and now carrington refuses to enter nto loss mitigation negotiations as payback for borrower making complaints for borrower not getting information ie complaete breakdown of arrearages. this is not fair, why should borrower be precluded from assistance
Consumer complaint received 2022-08-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from XXXX.