davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/ 2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NV)

XXXX XXXX bills me for wireless i never had. Keeps billing me XXXX I wont pay it. The collection agency called and sent notice. I owe you nothing. Never had a XXXX XXXX XXXX   wireless or any other service.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

while checking out at XXXX in XXXX of XXXX I got a XXXX dollar cash advance on my credit card. My bill now shows 2 separate balances, one for the XXXX dollars and the one for the rest of the balance on the card. This card is now thru capital one bank as XXXX has recently changed banks. I have now been charged interest on the full amount of that cash advance 3 times and the balance has not dropped it has actually gone up since making the advance. I asked capital one about paying off the cash advance and they said i would have to pay the entire card off to do that. My terms on the card have a XXXX dollar cash advance on it which is now only available XXXX. The credit card act of 2009 states anything past the minimum payment on the card should go to pay off the balance of the cash advance and I am paying XXXX dollars more than the minimum payment each month. The interest rates are the same for the balance and the cash advance. So im not sure if i am being charged anymore interest than if it were all one charge. But i do know this is affecting my credit score by changing the available cash advance on my card versus that amount i am given
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (TN)

ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I received an email on XX/XX/2018, inviting me to upgrade from my no-fee Citi Thank You Preferred card to the Citi Thank You Premier Card. The Premier card has a {$95.00} annual fee, but the email stated multiple times that the annual fee would be waived for the first year.

I took advantage of the upgrade offer via Citi 's website. 

On XX/XX/XXXX, I received a letter with the terms & conditions of the Premier card. It stated that I would be billed a {$95.00} annual fee " on the next statement issued after XX/XX/2018 ''. 

I called Customer Service to explain the problem. They told me that the annual fee can not be waived. I explained the email that I received but it did not change their decision. 

I then asked them to switch me back to the no-fee card I had before. They began that process and started reading the terms & conditions. They got to a term that stated that I was required to keep the no-fee Preferred card " in good standing '' for 1 year, and if I did not, that I would be switched back to the $ XXXX/yr Premier card and billed the annual fee. 

I refused to agree to that term, for obvious reasons. They said that if I can't agree to all terms, then they can not switch me back and I will be billed $ XXXX/yr for the Premier card. 

That was the end of the phone call.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (IL)

These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Consumer complaint received 2021-02-15
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. (GA)

In XX/XX/XXXX, I sent Equifax a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also sent a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you removed the account from my report in XX/XX/XXXX however the account was reinserted and I was NEVER NOTIFIED which is a direct VIOLATION OF FCRA. There is no indication on my account that shows I sent you a debt verification letter last month and it has been over 30 days with NO response. I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies within the allowed 30 day time frame..
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC (KY)

Loan : {$4700.00} Loan Date : XX/XX/XXXX Rate of Charge : 29.516 % Filing and/or discharge fees : {$0.00} Interest Charges are Current through : XX/XX/XXXX I got a loan through Omni Financial on XX/XX/XXXX, and recently became aware that they violated the military lending act ( MLA ), that required military members pay by allotment. Which is illegal under the MLA.
Consumer complaint received 2019-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

In XX/XX/XXXX I received a letter from XXXX XXXX indicating that my projected date for Public Service Loan Forgiveness ( PSLF ) would be XXXX of XXXX ( this document is attached below ). Within a few weeks, I called them regarding my recertification and they indicated to me a different date that was two months after the date on the document that they gave me. I told them that this was incorrect and that the date they gave me over the phone was in conflict with the letter I received. At that time they told me that there were 2-3 payments that needed to be reviewed to determine " officially '' what my date for PSLF would be. They stated this would take a couple of months. After two months, they said it would take four months, then six months, and so on and so forth. I called countless times to find out what the determination of the review was and it was not until XX/XX/XXXX ( a year and a half later ) that I received correspondence from them giving me what their new projected date for PSLF would be ( this document is also attached ). I told them that the new calculation was also inaccurate because it should be XXXX of XXXX, not XXXX of XXXX. At this time I spoke with a representative ( XX/XX/XXXX ) who told me that there was still a payment that was in dispute ( XXXX of XXXX ) because they said that the payment that I made was outside of my employment dates. This is false, they have all of my documentation which states my dates of employment and all of my payments have been directly taken from my account since the beginning of me repaying my loans. They told me that they would have to put this payment under " further '' review. This should have been calculated when they took a year and a half to do the first review! I called today ( XX/XX/XXXX ) and the representative told me that the payment in question ( XX/XX/XXXX ) has not even been put under review even after the lady told me it would be last month. Given the amount of time that it took them to review the first 2-3 payment discrepancy, I am not confident that they will figure this out prior to the end of my repayment process. The representative told me that if I overpay or end up paying too long because they haven't resolved the payment review, that they will give me my money back. This is laughable to me that they expect me to trust that they will return money to me when they can not even keep track of the payments that I have given them up to this point. I have been waiting far too long to have this issue resolved and every time I call their customer service, I am given an excuse as to how long the process will take or that the process has not even been initiated at this time. I truly hope to receive a swift resolution to this issue. Thank you!
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

This is not my debt. I just recently turn XXXX and I have not acquired or tried to obtain any credit. This account must be a result of identity theft. Please investigate and remove this account from my credit report ( all major credit bureaus ) immediately. As a creditor/service provider how did you prove or vet the consumer concerning identity before providing the service?
Consumer complaint received 2023-07-25
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)

To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not share my information to third party institutions These are clearly violations of my federal protected consumer rights.
Consumer complaint received 2018-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation  and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Consumer complaint received 2017-11-15
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. (SC)

Experian online submital is impossible to use. I tried 4-5 times and always had to start over. 

XXXX dispute link does not open. Could not open a dispute. 

XXXX is good.
Consumer complaint received 2018-04-01
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. (PA)

I paid my credit card balance down almost 2 months ago and Equifax hasnt updated my balance since XX/XX/ 2017. This is preventing me from purchasing my home which i was scheduled to do so within the next few weeks. They are saying they verified my balance and my credit union says they havent. The other two bureaus has since updated my correct balance but Equifax refuses to do so.
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (GA)

Somebody has access to my debit, credit, and XXXX XXXX  card and has been trying to take money through XXXX  with amounts of {$1.00} to {$100.00} I keep all my cards locked for this reason and I have even changed cards plenty of times ( I have another card on the way now ) even when I change cards this person could still access them. This has been happening for almost a year now and they wont stop.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

The bank is trying to foreclose on our home again for the 4th time. The bank has lost in court 3 times. The judge has ordered that this case was closed and that the deed and note was invalid. The bank is using the foreclosure process illegally to obtain my property by fraud. The are using the court as coercion to take my property. We are not getting our legal fees back. We are in our XXXX. They are trying to deplete our funds. They are depleting our funds.
Consumer complaint received 2022-03-05
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. (NV)

There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Each time i fax requested material to XXXX they would post to my TransUnion account that location where the fax came from. I am demanding that this stops now. Contacting the places where faxes come from me, and adding them to my personal living information is fraud. This must cease and desist now. As posted by XXXX and TransUnion on each day of fax NEW ADDRESS INFORMATION RESIDENT ( S ) XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX, NVXXXX XXXX XXXX PHONEXXXX DATES OF RESIDENCE XXXX to XXXX. This is harassment. It appears that they are attempting to scare me or attack me by locating me each time a fax goes to XXXX.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (CA)

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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX 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 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 2019-04-04
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. (CA)

XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  a collection in the amount of {$11.00} - account number : XXXX. ( Please see page 9 of the attached credit report. ) This account is paid-in-full. There is no outstanding balance due. This incorrect reporting is a violation of the Fair Credit Reporting Act ( F.C.R.A. ) and consequently harming my credit score.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I submitted loan modification documents to Wells Fargo 's attorney on XX/XX/2019. Wells Fargo 's attorney 's, XXXX XXXX has continued foreclosure proceedings on XX/XX/2019. The foreclosure trial is scheduled for XX/XX/2019. The mediator coordinator, company address and phone number is : XXXX XXXX | Mediations/Loss Mitigation/Client Legal Analyst XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX : XXXX | O : ( XXXX ) XXXX ext. XXXX | F : ( XXXX ) XXXX
Consumer complaint received 2023-07-25
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Previously deleted student loans that were at a XXXX balance have had the original balance added back to them and reinserted into my credit report. This erroneous error has negatively affected my credit score and student loan balance. 
Account Type Previous Balance New Balance Reported By XXXX XXXX {$2500.00} {$2500.00} ( - {$25.00} ) XXXX XXXX XXXX {$3100.00} {$3100.00} ( - {$31.00} ) XXXX DEPT OF ED/XXXX XXXX {$0.00} {$1100.00} ( + {$1100.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$6500.00} ( + {$6500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$3500.00} ( + {$3500.00} ) Equifax DEPT OF ED/XXXX XXXX {$0.00} {$2500.00} ( + {$2500.00} ) Equifax XXXX XXXX {$3100.00} {$3100.00} ( + {$31.00} ) Equifax XXXX XXXX {$2500.00} {$2500.00} ( + {$25.00} ) Equifax