davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-08-31
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. (CA)

XXXX XXXX XXXX XXXXinaccurate Charge off balance of {$1700.00} and a re-aged Date of Last Activity of XX/XX/XXXX. 
XXXX XXXX XXXXRe-aged Date of Last Activity of XX/XX/XXXX. 

TRANSUNION. 
XXXX XXXX XXXXinaccurate High Balance of {$1700.00} XXXX XXXXinaccurate Date of Last Activity XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. 

XXXX XXXX XXXX ChargeOff Reporting Ontime Payment with a monthly Payment of {$6700.00}
Consumer complaint received 2019-09-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Report number- XXXX result date XX/XX/2019, source Experian. The report does not show that I am on a payment plan with XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (PA)

XX/XX/XXXX XX/XX/XXXX XXXX, Equifax and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I would like to have all inquiries removed from my account its messing up my credit score i want every inquiries removed asap i do not know how i have 16 inquiries this is not making any sense at all i need my credit score urgently to get my apartment and the right job for me it is stopping me from succeeding help me please
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Paypal Holdings, Inc (CA)

From the moment I began to dispute several unauthorized charges on the account PayPal downgraded me and the only argued what was indisputable facts of thanking mistakes and overcharges due to PayPal change does the amount of charge basketball though they meet every sense and I had every bit of proof they simply shut my account down and retribution and told me they no longer wanted to do business. They claim to be able to hold my balance for 180 days with no explanation no reason or no facts
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Two unauthorized hard credit inquiries from XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX dated XX/XX/XXXX.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite my effort bank of emerica prepaid add card jas made it impossible to argue an enourmous amount of unauthorized charges to my bank of america XXXX  card and refused to give the temp credit always given in the case of fraud.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - T, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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. (VA)

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 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 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 2022-06-18
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: AMERICAN EXPRESS COMPANY (PA)

I have a American Express Bluebird debit card. There was a small balance on the card roughly {$30.00}. My XXXX passed. His pension plan sent out a one time death benefit. I used the American Express Checking account banking number and routing number to receive it. In Friday XX/XX/XXXX I started using the card again. The first was with XXXX XXXX XXXX. Then another at XXXX. The NEXT day, I was staying at a XXXX  XXXX in XXXX. I logged into my account. There was {$2500.00} missing! I immediately called card. We tried to cancel the money service transaction. We couldn't. It was completed. I tried to cancel it obviously because I did not do it!! So, the dispute was opened. They've closed it now. So, SOMEONE somehow, went into my Bluebird account, sent money to a XXXX, someone HAD to use ID to pick it up. And I'm not being refunded. I did NOT initiate the money service. I did NOT pick it up, and have no clue who did! They have to be on camera and they had to show ID. I've authorized none of this and they won't refund monies. It was {$2500.00} on XX/XX/XXXX.
Consumer complaint received 2019-09-03
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: Experian Information Solutions Inc. (CA)

This account with XXXX XXXX XXXX  for my mortgage was supposed to be fixed. Upon disputing with Experian XXXX and XXXX, experian now shows dispute closed but late for XXXX which is WRONG. 
I HAVE never been late on this loan. XXXX already responded to CFPB acknowledging their error. They have not fixed this and are and are answering disputes reporting me late for XX/XX/2019.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

OVER THE PAST YEAR AND A HALF I HAVE CANCELLED MY EXPERIAN ACCOUNT 4 TIMES. THEY HAVE CONTINUED DEBITING MY CHECKING ACCOUNT EVERY MONTH. I SPENT 3 HOURS ON THE PHONE 3 WEEKS AGO BEFORE TALKING TO AN ACTUAL PERSON, AND WAS TRANSFERRED 4 TIMES. I ENDED UP WITH XXXX THAT GAVE ME A DIRECT CALL BACK NUMBER XXXX AND A CALL REFERENCE NUMBER XXXX. SHE TOTALED 8 CHARGES TO BE REFUNDED TO ME IN 3 TO 5 BUSINESS DAYS TOTALING {$230.00}. AS OF TODAY, XX/XX/2019 THIS REFUND IS STILL NOT IN MY ACCOUNT. EXPERIAN IS GUILTY OF THE CRIMINAL OFFENSE OF CREDIT CARD FRAUD AND ALSO ARE IN VIOLATION OF MY CONSUMER RIGHTS. WHEN I CALLED TODAY, I DEMANDED TO SPEAK TO A PERSON THAT DIRECTLY HANDLES REFUNDS AND THEY INFORMED ME THAT THEY DIDNT KNOW WHAT DEPARTMENT THAT WAS. I HAVE BEEN GETTING A RUNAROUND FOR A YEAR AND A HALF NOW AND WHAT THEY ARE DOING IS ILLEGAL. ALSO, THE CHARGES ARE XXXX MONTHLY AND SHOULD REFLECT AN AMOUNT ALMOST TRIPLE OF {$230.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by XXXX XXXX XXXX ( XXXX XXXX XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2019-09-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

my original home equity line of credit was owned by XXXX  XXXX  XXXX who then sold it to specialized loan servicing all payments after XX/XX/XXXX were to go to sls on XX/XX/XXXX i made my payment to XXXX  XXXX XXXX, sls is saying it was never received however i have all my confirmation numbers and dates of payments, since then i have made 2 payments to sls and they said that it covers XXXX which was already paid and XXXX, the payments made where for XXXX and XXXX i have tried to have this corrected numerous time through sls to no avail.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (TX)

I applied for a Discover Balance transfer to pay off my XXXX account of {$18000.00}. 
Never got ANY KIND OF ACKNOWLEDGEMENT OR REPSPONSE -- So I applied to XXXX  XXXX XXXX for the same thing. 

I got an immediate answer from XXXX and the transfer to XXXX for {$18000.00} happened on XX/XX/2019. I got a statement and started paying XXXX last month. 

Last week I got a statement from DISCOVER for {$18000.00} I called XXXX and they said I needed to call XXXX to have THEM send the money back. So I called XXXX who said I needed to call Discover back and have them cancel the transfer. 

So I called Discover back today and spoke with a supervisor. She said they are not able to cancel the transaction because it was done on line NOR could they credit me the {$540.00}. We all know this is bull. 

SO now, have 2 - {$18000.00} balances needing a payments made to and no one to help me. 
NO ONE should be allowed to do this without any kind of confirmation, which I asked them for but they do not have. 
I think Discover CAN cancel this transaction but they refuse. I am XXXX years old and feel they are taking advantage of a senior citizen. 

Please help
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

I own an American Express card that was opened in XX/XX/XXXX. I always tried maintaining good status by making on time payments. If a month was unable to, I would call and remedy the situation.

In XX/XX/XXXX, after losing my job, I continued to make a payment in XX/XX/XXXX and XX/XX/XXXX. When XX/XX/XXXX statement came out, a payment in the amount of {$100.00} was due. I proceeded to make the payments in XX/XX/XXXX, XXXX and XXXX  under my bank account ( which is a joint account ). However, I contacted Amex numerous times since XX/XX/XXXX to let them know of my current situation and requested some sort of financial help. NOT ONE CALL was I informed that my payments were not going through.

In an attempt to mitigate my damages, I logged on to my account to find my card " cancelled ''. I contacted another rep in XX/XX/XXXX and asked about the " canceled '' status and was informed that it was because payments were not made that I am unable to use my card. HOWEVER, if I was to bring the account current the cancellation would be waived. THAT was the ONLY call that the gentleman informed me that my bank was not processing my payments and that I needed to look into it with my bank, XXXX XXXX. He informed me that he would update my account to advise that I was working with my bank to find out about the payments not being processed.

After contacting my bank, I was informed that a fraud alert was placed on my account ( husband ) and that no payments were made. I quickly called Amex and updated the with this information. I was advised that I needed to make 2 payments ( {$100.00} and {$110.00} ) within the same month to show that the payments went through. In good faith, I opened another account with XXXX XXXX and proceeded to make total payment of {$220.00} within the same month, through a new account. However, when I went to check the status of my card, my card was now closed.

I have called NUMEROUS TIMES in an attempt to have this investigated and have been received with push back. I did what was told of me, I complied and demonstrated it was wrong doing on the bank behalf and yet my card was closed as though I never tried to fix the situation.

My last conversation regarding the matter was with XXXX XXXX, who callously informed me that there was nothing that can be done for my account and that NO ONE in the company is going to do so.

I believe AMEX is acting in bad faith. As a consumer, I contacted them before things got out of hand and did my part. I complied and made the payments as agreed and furthermore, the card is up to date, with ONLY a {$1000.00} balance owed.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

On Saturday XXXX a man from a reality company came by asking if I knew my house was in foreclosure. I had no idea what was going on and this was the first I have heard of anything concerning default with the mortgage company. I was making payments to mortgage company Ocwen and then received letter from Ocwen that payments needed to be made to phh mortgage by check sent in the mail which I did. After the man left I looked into my bank account and phh has not been cashing checks, I have not received any documents from phh mortgage in any way shape or form. I have been totally blind sided by this and believe the mortgage company has created a hardship on my side. XX/XX/19 I have reached out to a hud approved foreclosure counselor for advice and am seeking Legal council.
Consumer complaint received 2018-11-09
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: Experian Information Solutions Inc. (NY)

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, Experian, and XXXX ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX  and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed. 

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
Consumer complaint received 2018-11-07
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. (PA)

I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My XXXX XXXX XXXX credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.