davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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 (TX)

On XX/XX/2019 my bill for XXXX dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-02-18
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: TRUIST FINANCIAL CORPORATION (VA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Consumer complaint received 2020-07-29
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. (FL)

I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Chek Cash, Inc. (TX)

Call violation. On my installment loan it was documented 2 years ago to not call my place of employment. Until recently that has been upheld. I know when someone tells you do not call, it's illegal to do so. Ive had an issue with the manager of the financial office calling me recently at my place of employment. Yes i know my payment was due, however if a number is marked do not call you cant call it. I contacted the main office 3 times letting them know there was call violations. When i spoke to the office i reiterated it and ths asst manager said yes, i see it on your account and ill let the manager know. She has again called me at work.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action
Consumer complaint received 2020-07-29
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. (FL)

I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation
Consumer complaint received 2019-05-01
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. (FL)

After reviewing my credit report, I have identified an inaccurate account that does not belong to me. This account has caused tremendous hardship on my credit. Please re-investigate the inaccurately placed item on my credit and have it deleted immediately.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My loan was bought by Mr. Cooper mortgage in 2021. 
Below is the sequence of events that leads me to belive they are incapable of fixing the problem themselves and I need legal assistance to resolve this issue : I received a letter stating that I didn't have current insurance and they were going to open a policy in my name and address for {$1600.00}. They said my homeowners insurance needed to be updated cause it was expired in XXXX 2021. This is false, I have had the same XXXX XXXX plan for 3 years and it needs to be renewed every XXXX. I immediately called Mr Cooper and provided the documents necessary to prove I had insurance with the email address they provided me. 

Three days later they bought a policy for {$1600.00} without my consent. I EVEN TOLD THEM THEY DO NOT HAVE LEGAL PERMISSION TO MESS WITH MY MONEY/ESCROW!

I called again and provided the documents again to show i have current coverage. Mr. Cooper even three way called my insurance company with me on the phone to confirm everything was in place. The woman with Mr Cooper apologized and said my account would be credited to my account- it has been 2 weeks and it has not been credited. 

THEY ARE TERRIBLE AND SHOULD BE AUDITED.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On Friday XX/XX/XXXX I attempted to create an account to view my report for accuracy. However once i input my debit card info to pay, the site immediately caused an error. It displayed a number to call as well as email address for help but No live person. I tried several times and used all the options in the menu but to no avail. I even sent them an email to the help desk but no resolution. I went online and tried to sign in with my username XXXX. It prompted me to pay {$1.00} again. So, i entered a new debit card number and it gave me an error message stating to call a toll free number. I finally found another number to call at XXXX and it got me to someone. i was transferred three times only to be told my account was locked out for 24 hours due to too many unsuccessful attempts. I explained that i haven't even used the account and cant get past this error. I record all calls, so if i dont get a resolution I'm sending the calls and screenshot to the news.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, never gave ( Experian nor XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope. A copy of the law is attached in this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I have been in dispute with Experian for over 30 days and they continue to report inaccurate information on my consumer report.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX I had my property appraised. My certified appraisal revealed that due to the improvements I had made to my property that the value has increase substantially. I contacted my lender on XX/XX/XXXX to inquire about how to request the removal of my Private Mortgage Insurance premiums. I informed the lender about the recent appraisal. I was told to fax or mail a written request along with a copy of the appraisal to their escrow department. I complied and sent a formal written request for the cancellation of my PMI via fax on XX/XX/XXXX. I was told I would have a reply in 5 business days. After this time, on XX/XX/XXXX I called back to verify that my information was being processed. I was told that my information was never processed because I did n't have my mortgage number on the fax cover sheet. So on XX/XX/XXXX I resubmitted my written request via fax ( confirming the fax number ) and adding my mortgage number to the cover sheet and ensured that there was nothing else that I needed to add for the request. I also mailed a separate copy of my written request and copy of the appraisal to the address provided. On XX/XX/XXXX I called again to find out the status of my request. Once again I was told that my request had not been received or processed. The customer service representative then told me that it did n't matter anyway because I would not be allowed to cancel my PMI until XX/XX/XXXX regardless of my LTV or a subsequent appraisal if the appraisal was n't provided through my lender, despite the fact that I had a certified appraisal report. I was told XXXX separate things from XXXX different employees. My request was never acknowledged as received or reviewed. No notification was provided to me to indicate that more information needed to be obtained or that a lender requested appraisal was required.
Consumer complaint received 2021-04-17
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. (NJ)

This complaint is to address an issue with transunion. I submited a dispute on XX/XX/2021. Transunion completed the dispute on XX/XX/2021. The dispute was that the creditor did not want payment from me to close the account. This results in an indication that I do not have ownership of this account. I have contacted all parties involved and nothing has been resolved.
Consumer complaint received 2020-02-22
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: EQUIFAX, INC. (NC)

I have been trying to dispute fraudulent information that i noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very difficult! I know that i have been receiving emails and calls about debt that is not mine and my information has also been exposed in several major data breaches.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On Friday XX/XX/XXXX i received an email stating my account with Experian via creditchecktotal.com (  Membership ID # XXXX ) had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was transferred three times before I reached someone who told me my account was locked out due to too many unsuccessful attempts. I explained to the foreign agent that my account has been compromised because I received an email saying my account has been deactivated and no one can tell me how this happened. I recorded the call and Im sending it to XXXX and XXXX XXXX. After being on the phone thirty minutes, Im told I can not access my account for 72 hours. After 72 hours, the account still does not work and keeps causing an error. I even tried to create a new account, and the same error occurred after it took my {$1.00}.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I've attached supporting documents. this will be my third complaint against Comenity Bank which handles my XXXX XXXX account. This bank purchased my account from another lender without notifying me and has continued to force late fees and late interest throughout the entire term. When I found out about the purchase I immediately closed the account and notified them in writing that I don not agree to any new terms. I recently paid the remaining balance in full on the due date and the bank still charged me a late fee and interest which is not in my cardholder agreement. The late payment warning under the account summary does not specify a cut-off time for payments, it merely states that the payment must be made on the XXXX of every month. Later in the statement there is a cut-off time mentioned, however their policies and procedures are not consistent. I've attached a copy of the statement with the late payment warning visible and not displaying a cut-off time. I've also attached my emailed receipt dated XX/XX/XXXX, reflecting that I made the payment on XX/XX/XXXX.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

American Express are discriminating against me due to my XXXX and medication. They are refusing to process the attached reasonable accommodation request under the American with Disabilities Act of 1990 as a title III company. 

The email was emailed to XXXX XXXX and XXXX XXXX on XX/XX/XXXX regarding the title III reasonable accommodation request which attached.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/XXXX I disputed an account listed on my credit report as Midland Funding LLC for the amount of {$620.00}. this came back as verified, however without documentation or original contract.
Consumer complaint received 2020-02-22
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: EQUIFAX, INC. (CA)

I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (VA)

Received XX/XX/XXXX " Demand Letter For Payment '' for {$1200.00} from Phoenix Financial Services, LLC. 

On XX/XX/XXXX I sent a memo ( copy attached ) to Phoenix Financial Services, LLC with attachments showing this bill was paid in full ( {$1100.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. 

Received Phoenix Financial Services, LLC 's XX/XX/XXXX reply letter XXXX copy attached ) requesting front and back copies of checks.They completely ignored all payments were paid through XXXX XXXX online " my chart '' system and my balance due as of XX/XX/XXXX was XXXX ( {$.00} ) copy attached.
Consumer complaint received 2022-10-14
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

This date is a recertification. This did was on my credit report. I have sent this company certified letters in they have not replied back to my response. I was not notify that this company had put this back on my credit report. This is the 3rd party collection agency I have not made any agreements with them Regarding this debt. Please have them check their records. The credit bureaus removed from my credit report in they reinserted back on my credit report. I did not even receive of a 5 day notice that this was gon na be reinserted back of my credit report. I contacted the original agency and they said I didn't owe. This is the FTC that I'm contacting this is not legal I'm asking for the ftc to investigate this in have this removed from my credit report. I asked for original information regarding this debt I was not supplied with the original debt. I am requesting did this be removed from my credit report immediately or legal action will be taken. This company has violated the law in has not provided me anything of my signature.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I bank with USAA. I make transfers often with them. They dont have a physical location so you have to do it by phone. After they accidentally closed my card while I was traveling, I asked them to transfer my money to an external account that they were familiar with. On XX/XX/2020 they confirmed the transfer around XXXX XXXX eastern time. I checked the account 3 hours later and the funds were not there. They arrive within minutes. They stole it cause I threatened to close the account. They stole a XXXX transfer by phone from me and it disappeared.
Consumer complaint received 2019-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was charged {$9.00} and for a dating app service. The app doesn't work due to technical issues. I did not receive any service from the company and attempted to resolve the problem. I opened a dispute with Capital One. Capital One recharged the {$9.00} amount without providing any details regarding the dispute. This is a violation of federal law, from my understanding.