davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX XXXX 2022  in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX XXXX 2022. On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (MD)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-09
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. (MD)

It has been brought to my attention that there is no need or no law that requires or authorizes credit card companies, data furnishers, or Consumer reporting agencies to report utilization. In facts pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) which says ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization is a clear violation as it is directly related to transactions and my experience with the Credit Card company. 
The accounts that need updating are XXXX  XXXX reporting 102 % utilization XXXX XXXX XXXX XXXX reporting 100 % utilization XXXX XXXX XXXX reporting 97 % XXXX XXXX XXXX reporting 92 % XXXX XXXX reporting 73 % XXXX XXXX  reporting 0 %
Consumer complaint received 2022-07-09
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 — Investigation took more than 30 days
Company: American Credit Acceptance, LLC (IL)

American Credit Acceptance is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and XXXX continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. American Credit Acceptance has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
Consumer complaint received 2019-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

On XX/XX/2016 I was approved for a personal loan with NetCredit. I was unaware of the future circumstances and took out a very high interest loan, 99 % interest on a {$2000.00}. I have become a XXXX veteran and unemployed at the moment due to my condition. The total amount that I will be paying back on a {$2000.00} loan is {$7800.00}. I have been paying on this loan since that date.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CA)

EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX/DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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. (PA)

Equifax removed a fraudulent account listed on my consumer report and then turned around and added the account back. I submitted all required documentation, and the account still reappears on my consumer report even though I informed Equifax that it was fraudulent. This experience is a clear example of aggravated identity theft.
Consumer complaint received 2018-08-27
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I found out for the first time that my credit report from XXXX had report of serious delinquency regarding a Chase/XXXX XXXX  credit card with numbers starting with : XXXX.

When I called Chase phone number, XXXX which appears on that entry, I was told to call Monday to Friday.

I called back on Monday XX/XX/XXXX at XXXX and I was transferred to Chase credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my XXXX credit report, an account that I never opened or used and that it has been harming my credit since XX/XX/XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a Chase customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report?

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address?

Thank you, XXXX XXXX
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I made a purchase for concert tickets through the XXXX app using my debit card from Wells Fargo. The money was transferred immediately to the private seller and the seller never sent me the tickets. I contacted XXXX immediately and they informed me that as soon as the transaction was complete, that there was nothing they could do. I then proceeded to call Wells Fargo and opened a claim. The claim has been denied by Wells Fargo. Neither XXXX or Wells Fargo will refund my {$120.00}.
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

XXXX XXXX : debt XXXX on XX/XX/2018 services stated they have submitted to all three credit bureaus to have this debt removed because it could not be validated. Two of the three have had it removed. Equifax keeps stating that they never received confirmation to remove the debt. XXXX XXXX gave me a confirmation number and date when they removed, but Equifax won't budge. I informed them I am filing a complaint.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This complaint includes this very agency who in my opinion has failed to protect we the consumer and citizen. After years of the same complaints I received the latest report from one of the reporting agencies still incorrect and even after faxing them the correct information. By design and by fact of multiple situations they evidently can not report accurately as witnessed by the numerous reports to your agency alone. My credit report remains wrong hence impacting FICA scores. Allegedly this agency [ CFPB ] has oversight as posted on the WWW. Yet these frauds and it is fraud in my opinion because agencies and entities that base their financial and other decisions off of the product they deliver is receiving false and misleading information, inaccurate and out of date evidently deliberately. Even third parties who gather are even more out of date. Hence they do not and never can have the true and timely information. The system is by design a failure and a major impact to the American consumer and citizens. Any decision deliberately furnished and known to be false perpetrates a fraud upon me and mine and that is a violation of the law. In my opinion for anyone involved in any of these organizations to actually believe this is ethical, and honorable is beyond comprehension.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER BANK, NATIONAL ASSOCIATION (ID)

I have lived in XXXX  for four years after being a Santander customer for over 10 years, starting when I took out a home equity loan in XXXX and opened a checking, savings and XXXX credit account. I currently have a Santander XXXX XXXX and they are now advertising a new Santander XXXX XXXX XXXX credit card that pays 1.5 % cash back with no foreign transaction fees, which is a higher cash back rate than my XXXX XXXX which currently has foreign transaction fees. They will not allow me to apply for this card as an XXXX  resident, they only offer this card to residents in 12 states. Santander is a National Association and should not be discriminating based on state of residence, especially for existing customers. Thank you.
Consumer complaint received 2018-07-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have a reverse mortgage im the surviving spouse of my husband I submitted all documents requested by XXXX XXXX the lean processor gave me dates and mislead me I turned in all my papers she mailed me notice saying I qualify for surviving spouse support program with HUD now she is sending me foreclosure papers saying I do not qualify because papers were submitted outside of dated I did everything she told me within the time she gave to now receive certified letter i'm in foreclosure. XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Helbing Law Group (GA)

My Credit scores drop from the high 700s to the low 500 dealing with this fraudulent organization. 
I also explained to them I'm not making the same amount of money since the Covid issues have diminished.

So I explained to them I want out of the program, because my salary is not the same.

But these criminals have not provided any useful information to help this solution.

They want the same payments. All the worry abut is the money. Now I see they reporting Im 60 days late, I not paying them anything. They need to refund what I put in like I asked. 

I recommend nobody use this service.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I received a promotional card in the mail to open an account put {$1000.00} in and leave it in for 6 months and get a {$200.00} bonus. I did this and never received the bonus. The offer was received in XX/XX/2021. 
I spoke to the girl that opened the account and she said she did not know what happened and never got back to me. I asked to speak to the branch manager and never got a response. I closed out the account in XXXX it was making me too upset to deal with them. 
I want someone to know what is going on with the scams and the horrible customer service from Citizen 's Bank XXXX XXXX XXXX in XXXX ct
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Receivables Performance Management, LLC (NJ)

Mu nane is XXXX XXXX XXXX to XXXX $ from my S.S.I. payment without consent. This date r wrong and r old. Also they didnt inform me of dispute against the alleged debt. XX/XX/XXXX. I was not informed or let them take out that money. I feel this is a false report and i should get a refund from RPM collections.
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

During the closing of my loan, I pointed out to the lender ( XXXX XXXX XXXX ) that they had an error in their algorithm to calculate the property taxes on a newly constructed home. Their formula failed to reduce the total for the 40 % exemption for homes used as a primary residence ( XXXX XXXX County,, Utah ). To preclude re-doing all the closing documents, the lender advised that we could easily fix that after the close. This was in XX/XX/XXXX. After closing, XXXX XXXX XXXX ( XXXX ) advised that they could not change the calculaton until XXXX XXXX County completed there XX/XX/XXXX assessment for values. That delayed the refund until XX/XX/XXXX. ( meanwhile, XXXX continued to bill the excess amounts each month based on their error in the tax calculation. When I received the estimated taxes, I provided that to XXXX and was told they had to wait until the taxes were paid. XXXX paid the tax, but then sold my loan to XXXX XXXX. I contacted Loancare, they reviewed the escrow account after payment and agreed to return a little over {$2000.00} that had been over-collected. That occurred but now, when I ask LoanCare to re-estimate my withholding for the XX/XX/XXXX taxes, I am told that the amont must remain the same, based on what was done at the time of the closing in XX/XX/XXXX and they can not change that until there has been a new tax assessment after the home is 1 year old. That means they will continue to over-bill the escrows until XX/XX/XXXX as XXXX XXXX County asseses taxes in XXXX of each year. LoanCare will then re-evaluate in XXXX and again need to return to me the {$1500.00} or so in excess funds. Seems they would base the monthly withholding on what was paid in XXXX, and maybe increase it by a factor if they project growth in XX/XX/XXXX. The key is that even the new lender is not using the 40 % exemption factor for a primary residence. The biggest issue is with XXXX not following through with their promise to reevaluate last XX/XX/XXXX/XX/XX/XXXXand then selling the loan to LoanCare who in turn continues to use XXXX data from the closing. This is compounded as I purchased 3 properties at the same time. Each one has the same excess being held, so that was over $ 6K in XX/XX/XXXX and will be approx $ 4.5K in XX/XX/XXXXif they do not make the needed changes.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of XXXX, Transunion XXXX XXXX delinquency. 

There was over XXXX in collection debt, 5 addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (GA)

This company is fraudulently reporting information to credit bureaus and I have never done business with them neither have they ever contacted me about a delinquent account as I dont know who they are? I dont owe this company anything and they dont have a right to report any collections to a third party thats not a validated debt between me and them.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, Hopefully you've heard of the Walmart/Capital One disaster. Cap1 took over Walmart 's Credit account 's, the switch was in XXXX. I attempted three times to login to Cap1 to set up the new account and pay my bill, and set up autopay in XXXX, before the switch and after the switch. 

This has happened to ten 's of thousands of people from what I'm seeing online. There was barely any notice then we could not log in. Late payments have been reported on us that have always had perfect payment history. I had two late payments reported, which subsequently led XXXX XXXX  to close my {$4000.00} XXXX XXXX account. 

The two late payments and Closing of a {$4000.00} account has caused my score to drop almost 200 points! 

I had ZERO late payments ever until this Cap1 takeover. I made the attempts to pay my bill. Now my credit is scarred for years.