davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-23
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. (FL)

I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Consumer complaint received 2020-01-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-30
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. (FL)

EXPERIAN, XXXX  AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX  XXXX-NOT MINE PLEASE DELETE,
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am very upset with this issue. I sent a letter to the credit bureau and creditor regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Hi Team, I opened Citi bank account with promotion of {$400.00} bonus. The requirement was to maintain {$15000.00} total combined balance in accounts for 60days and bonus will credit within 90days for meeting requirement. 

Account Open date : XX/XX/2018 Amount {$15000.00} deposit date : XX/XX/2018 Requirement met on : XX/XX/2018 Bonus Expected date : XX/XX/2018 Contacted bank several times they did confirm account meets bonus requirement but no bonus credited yet. 

Thanks
Consumer complaint received 2020-01-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ; XXXX and Transunion are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS FROM MY CREDIT REPORT.
Consumer complaint received 2019-08-27
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. (MO)

The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MN)

Despite plenty of funds available, Simple  suddenly froze my account without ever informing me and has ignored all messages and phone calls requesting an explanation or status update for 26 days now. 

On XX/XX/2019, I received an email from XXXX titled " XXXX XXXX secure email message from Simple ''. Because the domain name XXXX did not align with the domain for the Simple Finance checking account I have ( simple.com ), I suspected it to be a phishing scam. Nevertheless, I logged into my Simple shared account and found no notification whatsoever that there was any secure message waiting for me. So I ignored the email. 

In the following days, I realized that I could no longer use the remote check deposit feature of my Simple  shared account but thought that maybe it was a temporary issue. On XX/XX/2019, I raised this issue via Simple 's in-app support messaging.

XX/XX/2019, a scheduled transfer from my business checking account to my Simple shared account resulted in an error. Also on XX/XX/2019, I received a reply to my support message that directed me back to the secure email message.

So I went back and found the secure message, which asked me to verify my identity ( even though I already verified my identity when opening the account ) via color photos of my Social Security card, government ID and bank statements from a linked external account. I responded with those documents on XX/XX/2019, but I have never received a reply. I also called Simple by phone that day and was told I would receive a timely reply.

On XX/XX/2019, a transfer from my Simple shared account to a trading account of mine was reversed, generating a {$9.00} fee.

Also on XX/XX/2019, an automatic debit from my Simple shared account by my Internet provider was returned, generating a {$30.00} fee.

So I sent a follow-up reply to the secure message on XX/XX/2019. I have never received a reply. I also called Simple again on XX/XX/XXXX, and the customer service representative confirmed that my secure message had been received. I was told I would receive a timely reply. 

After calling numerous other financial institutions to cancel or change automatic debits or payments, I called Simple  a third time on XX/XX/2019 The customer service representative provided no information except to again confirm that my secure message had been received and reassure me that I would soon hear back. 

It is now XX/XX/2019, and there has been absolutely no response to my repeated requests for a status update and explanation. My account remains frozen.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit www.consumer.ftc.govXXXX or www.consumerfinance.govXXXX  to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX XXXX  XXXX {$0.00} PREF XXXX {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2019-08-27
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This letter is complain to Equifax to erase an error account from my report XXXX XXXX XXXX shows one missed payment I talked to equifax and also to the creditor and asked equifax to erase the account  from my report because I was an authorized user on the card and creditor agreed to take me out from the card so Im no longer an authorized user please erase it from my report
Consumer complaint received 2018-03-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (NJ)

I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

Escrow analysis was done incorrectly. Taxes paid in lump sum not semi-annually, which deducted more than it should have from my escrow account creating a negative balance in my escrow and increasing my overall escrow payment. Illegally collecting more money than they should be. Requested a new escrow analysis and was never contacted by the company on any update at all. Just told there is no significant change. Escrow does not jump {$200.00} for no reason. I have attached previous escrow analysis documents to show the error in their payment of the taxes, which resulted in a much more significant shortage than it should have.
Consumer complaint received 2021-07-12
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. (NJ)

On XX/XX/2021 I sent out a letter to each bureau. They have not given me a response in regards to the letter I sent to correct some late payments in XXXX. I just want these payments corrected to paid as agreed as soon as possible.
Consumer complaint received 2018-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient is my service now after they bought it from I'm not sure who. It has gone from service provider and bought out by the next. Anyway I went to school at XXXX XXXX for under two years but am being told I owe Navient {$170000.00}. On a recent statement is says that the money was from XXXX XXXX in the amount of approx. {$78000.00} but now I guess in interest up to the current amount. I have never rec 'd this amount of money {$78000.00} from anyone, not XXXX XXXX and certainly not XXXX XXXX. I have asked every rep on a recorded line about this balance and none of them have any answers. I did agree to start paying on this loan although I didn't agree with the amount back in XXXX or XXXX in order to be eligible to apply for a so-called Obama mortgage program to help people get into a home program that would allow a smaller down payment. I was told that I had to start paying on these loans although I NEVER agreed to the amount. And I still don't. I need some assistance on how this loan has ballooned up to the amount of a home, and how and who rec 'd the principle amount.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting credit.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went shopping for a car and multiple inquires were placed on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
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: DISCOVER BANK (CA)

This year, I purchased a book through the XXXX company and I used my Discover Card to make this purchase. 

Then, many months later, my wife 's Discover Card was stolen and out entire account number was closed and Discover Card reissued us a new Discover credit card. 

Then, sometime after the Discover Card was reported stolen and number shut down, the company XXXX company ( XXXX XXXX XXXX, XXXX ) charged my old Discover credit card and Discover Card allowed the transaction to commence, since I had used the Discover Card to make a prior transaction on it. Discover Card is claiming that the XXXX book purchase is a reoccurring transaction, but this is false and fraudulent information. In fact, I can not remember the last time I charged merchandise with the XXXX company ; other than the one prior this year. 

XXXX is claiming that I had signed up for a membership. And as such, they charged the Discover card for the same book, for the next year. I have not signed up for any membership and I have not received any book from the XXXX   company under this new charge with Discover Card on XX/XX/XXXX, in the amount of {$30.00}. 

I disputed the charge with Discover Card, but the Discover Card claimed the transaction is valid. I HAVE NOT RECEIVED MERCHANDISE FOR THE CHARGE!!! 

DISCOVER CARD SHOULD NOT HAVE ALLOW AN OLD CLOSED ACCOUNT NUMBER TO RECEIVE A FUTURE CHARGE!!! The card was closed and NO transactions under that old account number should have commenced or been accepted by Discover Card!!! 

This matter will be fought tooth and nail, even if I have to bring the matter to court!
Consumer complaint received 2018-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have placed a dispute with equifax on XX/XX/2018 regarding a chapter XXXX BK that was not related to me with confirmation # XXXX. I checked my credit report due to an alert of a score change on XX/XX/2018 and noticed the item was deleted ( chpt XXXX BK ). On fri XXXX the item was re-inserted back on my report. I contacted Equifax again on XX/XX/2018 to notify them that i was not notified in writing nor email of the reinsertion within 5 business days allowed by law per the FCRA. I also faxed them a formal complaint letter to remove item on same day. Equifax removed the item on XX/XX/XXXX for 2nd time and reinserted it again on XX/XX/2018 confirmation # XXXX. THis is now a direct violation of my rights under the FCRA. Equifax is knowingly and willingly dmamaging my scores and credit reports on purpose as i am in the middle of closing a mortgage. They also claimed to had verified information with courts and courts told me they do not verify third party information such as the credit bureau. the re-investigation was incomplete as they were untruthful with me
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I checked my personal credit report, which I acquired from Experian and I noticed that this unauthorized inquiries had been made. 


Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted Experian, who placed the inquiry, and asked them to remove the credit inquiry from my credit profile, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

In accordance with the Fair Credit Reporting Act XXXX Experian 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 state a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I have tried speaking with a member of management and they refused to transfer me to management. I called on XX/XX/20 and asked about a settlement and said the account did not qualify for a settlement. They are extremely rude and told me that they will document the account as " refusal to pay. '' I am not refusing to pay, I just want to speak with a human being that is not rude. The tone of voice they use offensive and that of a negative person.