davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (WA)

In XX/XX/XXXX I was told by my mortgage company, Sierra Pacific Mortgage, that we had to pay our full year property tax payment because we had been approved for a partial release of land that was under the mortgage. My escrow would not pay the taxes until they received a new tax bill showing the released land. I was told to send the receipt in prior to XXXX ( two months from my yearly scheduled escrow analysis in XXXX ) I emailed the receipt the end of XX/XX/XXXX. I called a few weeks later and found out the receipt had been coded as a bill, but the problem would be fixed and my request to re-analyze my escrow would still occur. I called again around XX/XX/XXXX and was told that they would expedite my request since it was almost XXXX. I called again the first part of XXXX and was told that expedited request was cancelled shortly after it was opened and now I could not get a refund from the escrow until XXXX. After further speaking with the customer service representative, she said she was able to open another request and I would get my check by XX/XX/XXXX. I called around XX/XX/XXXX and was told that work order was denied, but I could send the receipt in again to the research dept. to request the overage of my account me paid. I called on XX/XX/XXXX and was told that request had been entered as a tax bill and it was too late to have my refund issued. I was told I needed to wait until XXXX. Federal law states that a company needs to pay the overage of an escrow within 30 days being notified. I tried everything I could to get paid that overage in a timely manner. Sierra Pacific Mortgage intentionally delayed my request in order to hold the funds. I believe there is grounds to show this is a common practice. It's not reasonable to have so many people in one company cause this sort of delay and to blatantly hinder a simple request.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX  # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just recently looked at my credit report XX/XX/2024. I saw some late payments there were suppose to be on time. Me and my creditor talked about " I wouldn't be marked late because I had things going on not because of the pandemic. I sent a letter to Transunion to get this fix but they still said everything is reporting correctly. But Its not. Can you help with this situation. Thank You.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I opend a Citibank checking account on XXXX XXXX. I told them i needed the account to do transfer for my daughter 's education. the account was opened, and i received my debit card a week thereafter. Once i had my debit card, i transfer in XXXX XXXX from my savings account at another institution. I waited a few days to make sure everything was okay given i was a new customer. 2-3 days later i did a wire transfer to my daughter 's account in XXXX  for her education expenses. Everything looked fine but the next day my account was fronze- i couldn't access it. I called the help line and they told me " there system '' froze my account and was sending me a letter that will help me unlock my account. that was on XX/XX/XXXX. i called XXXX weeks later telling Citi i still hadn't receive this letter. the were unresponsive and wouldn't even confirm my account balance. I had to call back 10 more times to speak with a manager who said the same thing - " the systems says you need a letter with a reference code ; sorry can't help you. '' After now calling some XXXX times, on XX/XX/XXXX finally they said they would resend me a letter, even though there customer commitment is XXXX days. to date, NO ONE has confirmed my money is fine and always tell me the system, the system. this has cost me nearly XXXX XXXX  for late fees for my daughter 's tution let alone left me very scare of citi who is supposed to be a XXXX but seems like know one knows what's going on or can help me even though i've done exactly what they've told me. to date, i still do not have this letter and they have my XXXX and don't seem to care.
Consumer complaint received 2018-09-16
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. (NV)

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated   and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (KY)

Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Danco Financial Services, LLC (GA)

In XXXX  My daughter was in a Car accident in My truck that I got a loan through with Danco Financial the person who hit my truck insurance company pay them their money plus I had insurance at the time of the accident this company still filed a 1099 C and took my taxes plus I filed Bankruptcy that same year and it was discharged on my bankruptcy. they double tripled got there money for that truck.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

Please see complaint XXXX The company has not fixed our credit and did not remove the negative 90 day late payment reported through XX/XX/2017. 
We have never made a late payment. Our loan was transferred and they incorrectly reported to credit agencies a 90 day late payment. We were in forebearance and have never made a late payment. We were blocked from making payments until they removed the forebearance. Once they removed the forebearance, this erroneous 90 day late payment was recorded in XX/XX/2017. Please remove the XX/XX/2017 90 day late payment from all credit bureaus.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I notified the bank there were charges on my account which were fraudulent in the amount of {$970.00}. They reversed the charges and told me I would have to confirm in writing and they would send me a dispute form. They also said they would change my account number and send me a new card. Before I got the dispute form, on XXXX XX/XX/XXXX they sent me a letter saying " After a thorough investigation we have concluded that the fraudulent items never posted to your account or they were returned in full, which means your account balance is {$0.00} " Despite the above, when I got the first statement for the new card, before I even received the new card, with a new account number, the bank had added the {$970.00} fraudulent charge to the NEW account. I immediately notified them ( XXXX ) I was very upset by their having allowed the same fraudulent charges to be placed on my NEW account, which had allegedly been issued just to avoid this occurrence. I told them to also cancel my account entirely On XX/XX/XXXX they wrote me requesting more information, although they already had told me they concluded an investigation and I was not responsible for the fraudulent charges. The charges again appeared on my XX/XX/XXXX bill. I called XX/XX/XXXX and spoke to XXXX and XXXX, Sr. investigator in the fraud department, who said they will cancel the charge. The XXXX bill showed the charge was canceled on XX/XX/XXXX, placed on the account again on XX/XX/XXXX, and removed again on XX/XX/XXXX. I received no further notices or account statements after XX/XX/XXXX until yesterday I suddenly received a statement showing a charge to my supposedly closed account for {$140.00}. I have not authorized any charges or used my account since I told the bank to close it in XXXX. It is now XX/XX/XXXX. I called the bank and they said the account was closed on XX/XX/XXXX. Nevertheless, they still allowed a new charge!!
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

i have tried 6 times to get JEFFERSON CAPITAL SYSTEMS off my XXXX it is a fraud account i have never had XXXX in my life this is hurting my score i cant buy a home a car nothing because my information was used i have got this off the other two Credit companies but XXXX  is not and i want to take legal action now
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both Capital One and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either Capital One or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but XXXX and XXXX refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. XXXX is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is Capital One in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

I was offerred 0 % interest for six months with Pay Pay Credit. I read all terms and conditions and called the company to find out how the promotion worked. I was assured so long as I paid in full by six months there would be no interest. Now I am getting interest charges despite it only being two months. I called the company and they said they were considering the transactions " cash advances '' even though I selected " paypal credit '' when paying for the goods or services. They referred me to several sections in their terms and conditions, none of which are easily determined to relate to the 0 % interest promotion. 

This is deceptive marketing and a deceptive promotion.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I created a business account to use with Venmo. After creating the business profile Venmo froze my account & my funds and told me I cant access my money for XXXX days when Ive been with them over XXXX years with nothing like this happening before
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My complaint is against XXXX XXXX, and Experian for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that  was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX XXXX, and Experian U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX XXXX, and Experian how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX XXXX, and Experian to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX XXXX, and Experian.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC (PA)

Received a letter twice from Certegy which claimed I owed XXXX XXXX XXXX. I checked with XXXX and they told me these people are scammers and that I do not owe this money to XXXX I called certegy and the person asked me for my credit card number right away. Then she asked me for my drivers license number. 

I told her she was a scammer and she got off the phone right away. How can these people live with themselves? 

The phone number I called is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CA)

Back in XX/XX/XXXX my insurance company was changed by my employer. The hospital XXXX XXXX never contacted me regarding the outstanding balance not paid by insurance company. The original amount stated by hospital was XXXX dollars. XXXX is attempting to collect a debt of XXXX I spoke with XXXX at XXXX hospital regarding the account and was informed that the hospital protocol was not followed in attempting to contact myself regarding the outstanding balance not paid by insurance. I have been offered by XXXX hospital a  financial assistant program that would remove the collection from my credit report. But after speaking with XXXX, and XXXX at XXXX collections, they stated that they can not remove a collection from the credit bureaus. This is annoying and wrong! 

XXXX XXXX Last reported XX/XX/XXXX {$790.00} Reported balance Original balance {$750.00} You owe 106 % of the original balance OVERVIEW OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

The dates and years are inaccurate on the following public records, with such misrepresentations I'm respectfully requesting that this accounts be removed and/or blocked from my credit report. ( 1. Bankruptcy XXXX, XXXX ) and XXXX XXXX   XXXX reference account XXXX, XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (PA)

Capital Accounts LLC placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Capital Accounts LLC to remove incorrect information off my credit report. More importantly, Capital Accounts LLC are in violation of FACTA section 623 ( A ) ( 7 ).