davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (NC)

Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with Summit Lending and was sold shortly after to XXXX XXXX XXXX that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! 
I would like to say that I went to XXXX since the COVID 19 - Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!
Consumer complaint received 2022-08-18
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. (TX)

I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company XXXX on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from XXXX on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, XXXX chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from XXXX to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted XXXX to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from XXXX indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided Transunion with a copy of the letter from XXXX to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from XXXX, I was advised that the information was correct and no changes could be made to change the information reported by XXXX. I called TransUnion to speak with an agent to make sure that the letter from XXXX was considered in their decision and I was advised that it was considered, but Transunion does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

From XXXX to XX/XX/2017 company reported late payments on student loans. I was told by company while on XXXX XXXX loans are deferred. I have sent a copy of my XXXX to company. I have had no taxable income since leaving the XXXX in the amount to pay the debt ( currently only get va XXXX ) creditor told me I am right but still refuses to remove late pays.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have repeatedly attempted to get the public record of bankruptcy off my XXXX, equifax and XXXX credit reports. It is severely damaging my ability to get credit. The information is not verified by the XXXX court house because I have received in writing they do not verify information with any credit bureau.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Per my original complaint on XXXX ( XXXX ) - Nothing has changed - STILL NO COMMUNICATION ... XXXX CALL Back, NO letters, NO emails - Today is XXXX - - - On XX/XX/2022, I received a letter through CFPB portal that was dated XX/XX/2022 ( attached ),. 
TO DATE - **I HAVE YET TO EVEN RECEIVE THE PHYSICAL LETTER THAT IS ATTACHED, NEVER RECEIVED, ONLY LETTER COPY I HAVE IS THROUGH THIS PORTAL ON CFPB WEBSITE** In the letter there is ZERO mention as to release date of MY money in my account. " XXXX '' provided their contact information as " XXXX, XXXX. XXXX ''. 
** I have now left 18 voicemail messages, as of XX/XX/2022 - ZERO response! ** The letter states that " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). '' What? The last deposit came from a now closed account. They had absolutely no problem accepting the funds, so therefore the request ( demand ) is unacceptable. 

There is no mention of a " hold time '' for my funds, no release date, and absolutely NO communication as to WHY my account was restricted and locked, in the first place. If there was such a communication, then Capital One is REQUIRED to provide me with a copy. 

CFPB needs to address these " provisions, terms and policies '' as per your own website it appears Banks with such size as Capital One, is holding American 's money XXXX and hiding under false pretense. In simpler terms, get some bollocks! As for Capital One - I have also forwarded these complaints to FDIC, OCC and now the California State Attorneys office. No Communication, finally when communicated with, only a lame vague letter, telling me what I am going to do to have my account released and funds returned to me. At this time, this will be an ongoing complaint, and I will continue to submit new one 's until this issue is solved. CFPB : YOU SHOULD NOT CLOSE THESE UNTIL CONSUMER IS FULLY SATISFIED OR MADE WHOLE. - PERIOD.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS XXXX XXXX XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named " XXXXXXXX XXXX, '' rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted Ally Bank, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with XXXX XXXX XXXXXXXX, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
Ally has not given any indication of timing, and XXXX XXXX XXXX ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Trans Union has dropped my credit score over sixty points in XX/XX/2018 for reasons unknown to me, they are completely lopsided from other credit reporting agencies, I have not been given a satisfactory reason for this, I am still using credit on a regular basis, I'm just not applying for any credit cards or using any of their offers, I wouldn't be so concerned if all the credit agencies were closer on their findings or for the fact that I dropped so many points at once with this agency, there is over a sixty point difference from XXXX, I would just like to know why it dropped so much so fast. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

On or about XX/XX/2019 I was contacted on my home phone by someone claiming to be from Nissan, an auto lease that I had while on XXXX XXXX. This car was repossessed and given to creditor willingly. Payments we not made due to severe automotive accident with XXXX. Personally was not aware of my responsibilities. I explained this to the company at that time. On the above date I was called by the company being told if I dont pay them the total amount due in a lump sum they will sue me. I am a non working XXXX veteran. This was explained to the creditor they told me the didnt care I had to pay them in full that day or they would sue me. They also stated the would take my income until the debt was paid. Upon hanging up on the called I called the credit back. They claimed that they could do what they want to get their money. So what if you are a XXXX veteran. 
The tactics of this debt collection is extremely rude.
Consumer complaint received 2022-08-18
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. (CO)

This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. 

XXXX has sent me a statement validating the account was never past due. 

Experian is showing this account was 30 days late as of XXXX of 2021. 

The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (TX)

Agency : Credit Management LP Address : XXXX, TX XXXX Account reference : XXXX I received a collection notice which was forwarded to me by mail. The original amounts owed apparently were being sent to the wrong address in XXXX  and I live in XXXX XXXX TX. I called the referenced agency above on XX/XX/2029 at approximately XXXX am XXXX. After explaining the situation I explained that I would like to pay the balance but would need something in writing that this would not be reported to a credit bureau. I was told that they did not report to credit agencies, however since they are a member of XXXX XXXX, it made me suspicious. I asked to speak to a supervisor, was placed on hold for 20 mins and then was told no one else was available. There was no direct extension to leave a message and the person I was speaking to refused to leave a message for a supervisor. At the end of the call I emphasized that I wanted to pay the debt but needed at minimum an email indicating this would not be reported to a credit reporting agency. This felt extremely shady to me. Based on what she was saying, I just needed to take her word for it instead of protecting myself and my rights. Please investigate.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

While I out of the county as a XXXX XXXX, upon my return I was in the process of buying a home. I pulled a copy of my credit report and noticed several items that I knew were not accurate. I did some research and found out that I was a victim of ID Theft. I notified the credit bureaus and they have not responded back to me yet. Below is the list of fraudulent accounts that I need to have deleted. 

XXXX XXXX date opened : XX/XX/XXXX Bal : {$360.00} -XXXX date opened : XX/XX/XXXX Bal : {$00.00} -XXXX XXXX date opened : XX/XX/XXXX Bal : {$00.00} XXXX XXXX  date opened : XX/XX/XXXX Bal : {$440.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1200.00} -XXXX  date opened : XX/XX/XXXX Bal : {$8100.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1600.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$590.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$770.00}
Consumer complaint received 2020-08-03
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: JPMORGAN CHASE & CO. (FL)

Last XXXX, we travelled to NY and stayed one night at the XXXX XXXX ( XXXX XXXX ). The room, one of two elevators were working, construction, etc. was terrible so we left after the first night. We had to call and cancel since there was no actual Lobby due to construction. 
When we came home we were billed for all four nights although we left after one. We were also billed on same credit card for our second hotel ( XXXX XXXX XXXX ) for the same 3 nights. I have been disputing this but credit card company ( Chase Ink. ) has found against me. I have continued to ask for hotel 's response, both verbally and 4 or 5 times and in writing but have only received original reservation. I was told that they admit I cancelled the stay on XXXX, but they FALSELY claim we stayed there until XX/XX/10 anyway.. 

I also provided additional information ( see below ) and could provide more but the credit card company does not answered me. 

[ Following is from our submittal of dispute ] To begin, please see attachment A1, on XXXX there is a Room Service charge in the amount of {$51.00} for a meal. That is the last room service charge of any type on our bill at the XXXX. 
If you look at attachment B and C they prove that we were actually at the XXXX XXXX XXXX. 
Attachment B, shows that we paid for a meal on the Chase Inc card on XXXX when we arrived. Attachment C ( the XXXX XXXX bill ) proves that we not only stayed at this hotel but we had breakfast on XXXX, XXXX, XXXX XX/XX/10. We also had a minibar charge. ( the reason breakfast was so cheap was our room package came with a {$25.00} a day meal credit ) This clearly evidences that we stayed at the 1 XXXX XXXX XXXX and not at the XXXX. The fact that we had meals, and mini bar charges at one hotel and the XXXX has no further room charges evidences they are mistaken. Clearly, I would not pay for two hotels ( or could possibly ) be at two hotels at the same time.
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It was delivered to them on XX/XX/2018 at XXXX XXXX. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a loan with SELECT PORTFOLIO SV CIN. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late  payment on my XXXX  credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and SELECT PORTFOLIO SV CIN with no successful resolution. XXXX  only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.