davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (AL)

Recently, I did an investigation on my credit report which coused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CCS Financial Services, Inc. (FL)

I am a victim of identity theft several years ago I let a family member my brother to be exact whom lived with us years ago which I have no problem reporting due to what he did to me. He used my information and my Social Security number to open several credit cards in my name as well as other accounts such as XXXX and etc. I was able to dispute a lot of things off my credit report and had them removed but there are a few companies that will not remove them as they were saying that they are accurate the reasons why they say that they were accurate is that there were several payments made to these accounts because as he was opening them he was making payments for quite a while and then all of a sudden just stopped making these payments which is when I noticed it on my credit report and I had knew that he had used my information to create all of these different accounts as he finally admitted to me what he has done and later got disowned by family as he did the same to them. I need help in removing them from my credit report as I feel that it is very unfair for me to have to deal with all the horrendous stuff he has done to me using accounts that I never even used or ever had the current accounts that I have open have all been paid on time such as my student loans XXXX  XXXX my car finance and also a loan place called possible one that I pay all on time and theyre none on default Im really trying to get my life back after everything hes done to me and several other people of my family as well. I really dont have anyone else to turn to and I was referred to the Ftc by a friend saying that I should report it to you as well as go ahead and make a police report please let me know what to do from here its more than one account its actually several at least XXXX or XXXX to be exact the rest were removed please help
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-03
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: CITIBANK, N.A. (IL)

My Citi AAdvantage card was lost and fraudulent charges of XXXX USD were made. I reported the fraud to the credit card immediately and they have not issued a credit to my account for the charges
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (MS)

Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.
Consumer complaint received 2022-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity Theft. The information listed in my Identity Theft Report, which appears in my Identity Theft Report does not relate to any transaction ( XXXX ) I have made. It is the result of Identity Theft. 
Please PERMANENTLY BLOCK this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-11-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial Corporation (GA)

On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I previously disputed this account XXXX XXXX Account # XXXX Amount : {$140.00} on XX/XX/2024 ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX ID # XXXX on XX/XX/2024 at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.
Consumer complaint received 2022-02-24
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (VA)

I have been trying to reach out to my mortgage company for almost 2 months to get the incorrect 30 day late removed from my credit report. I was never informed of the change in my mortgage payments prior to the first new payment in XX/XX/2021 and paid them within 30 days of finding out!
Consumer complaint received 2019-09-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IA)

For the last couple of months I have been trying to complete a loan modification with my lender but they keep asking for repetitive documents. I have provided proof of my hardship which is my husband lost his job. I am concerned that they are going to try and place a sale date on my home when I keep sending documents over and over again
Consumer complaint received 2018-11-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My savings account number was used by an unauthorized person for three transactions. Two transactions on XX/XX/2018 for {$19.00} and {$3700.00} to an unknown XXXX account I reported the very next day to both the bank and XXXX. The one transaction I did not notice was on XX/XX/2018 for {$10.00} also to an unknown XXXX account .The bank and XXXX both recognize these transactions as being fraud charges. The banks claims department sent me two letters back stating because I did not call in on the {$10.00} fraud charge within 60 days they refuse to credit the other two. They seem to think if I did catch that transaction back in XXXX the unknown person would have not been able to get any more funds as they would have closed my account. But yet my account is still open to this day. And who's to say they don't come up with the new account, they some how got this one.
Consumer complaint received 2022-02-24
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$600.00}
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My account data was breached as part of HSBC admitted data breach. I have now had wire fraud and ach fraud on my account. The latest fraud was in the form of an automatic payment of {$2000.00} from XXXX. I dont shop at XXXX nor do i do any business with them. HSBC is telling me the charge was authorized by me and to call XXXX. They are ignoring their own lack of system security and refusing to protect my funds, or return my funds.
Consumer complaint received 2018-11-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report
Consumer complaint received 2023-03-20
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)

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, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX XXXX Balance Owed : {$86.00} ; XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.
Consumer complaint received 2018-11-10
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. (KS)

XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my TransUnion Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc. (NY)

Over the past several months I have continued to receive unwanted calls from a company called " CBE Group. '' I have blocked several of their numbers ( which all originate in XXXX, New York ). However, they keep calling me with different lines every time. 

I have received numerous calls before XXXX in violation of several laws and regulations. They are harassing me with their calls. Last time I told me to stop calling me and the representative assured me they would put me on a " no-cal list. '' Despite these assurances, I have continued to receive illegal and unwanted calls from this company. See attached proof. 

I also suspect the company uses false names for their representatives. Please check if a " XXXX XXXX '' is actually an employee there or if its another deceptive tactic this company is using.
Consumer complaint received 2022-06-18
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. (CA)

in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Lendmark Financial Services (MD)

Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery calls everyday all day and late at night or early in morning. I have asked several times to stop harassing me. I do not have any money and on XXXX check and thats all I have. XXXX veteran and they dont care I have XXXX and XXXX issues. I want them to stop calling me.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied to refinance my home with Bank of America on XX/XX/2022. 
My original mortgage was with them for the past XXXX yrs. Never a late payment, FICO score XXXX, income XXXX plus, no other debt., 0n a XXXX refinance. After months of requesting different documents, while interest rates were rising. I was declined with no logical explanation. I received a text from XXXX XXXX saying they would not approve my loan at BOFA on XX/XX/2022 But XXXX sent me a letter saying my application process had been stopped at MY request which wasn't true. 

He then told me he had friend who could do my loan, XXXX XXXX. That i should contact him not Bank of America
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

Per XXXX it shows an account has been closed and the following still appears on my credit report. Per code 15 U.S.C. 1681 has been violated. 

MIDLAND CREDIT MANAGEMENT {$1200.00} Balance has been charged off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX