davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-28
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)

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-09-28
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-09-28
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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-05-05
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. (AR)

XX/XX/2019 I own a XXXX credit card, an XXXX credit card and had a personal loan with XXXX. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I paid the balances on both cards and the loan. Totaling around {$12000.00} in payments. 

As of today XX/XX/XXXX the cards and loan information has not been reported to the 3 major credit bureaus ( TransUnion, XXXX and XXXX ). For the past 2 years the accounts balances, payments and other details have been rigorously reported 1 or 2 days after each cycle date but now without any valid reason the reporting stopped. 

My XXXX card was reported 48 days ago ( on XX/XX/XXXX ), my XXXX card was reported 39 days ago ( on XX/XX/XXXX ) and the loan was reported 36 days ago ( on XX/XX/XXXX ) ; this means that my accounts were not reported to the credit bureaus for the XXXX cycle dates. I have never experienced this situation with any other bank. 

VISA and MasterCard have specific requirements for the banks regarding credit bureau reporting.  XXXX XXXX clearly is not in compliance with these rules. 

I am in the process of financing a big ticket item purchase ( more than {$25000.00} ) and that is the main reason why I paid the XXXX cards and loan in full so my FICO, XXXX, and other scores will go up before completing the purchase. I have been waiting weeks for XXXX to do its job and update my information correctly. 

I called XXXX CSC on 4 different occasions last week. I was told the accounts information will be sent to the credit bureaus on XX/XX/XXXX, that didnt happen. Then I was told to submit a dispute ( which I did ), then I was told that the accounts will be updated 1 or 2 days after the month end. Didnt happen. Then a supervisor said it may take a week or even until XXXX for my dispute to be solved. Nobody from XXXX was able to find out why this is happening or tried to contact a credit risk Manager to get a response. I understand that sometimes the customer service center is just the first point of contact with a customer but they are not even capable of escalating a complaint properly. 

More frustrating is that this is an easy problem to be solved. I had a similar case with another bank. I called the bank, the rep transfer me to a risk area supervisor, the supervisor verified the system setup and found the cause, then transmitted my file again. Two days later my updated information was showing on the credit bureaus. 

I am sure that if my account ( or any other customer account for that matter ) was past due, delinquent or over limit, that negative status will be promptly reported by XXXX the next cycle. Is unfortunate that XXXX seems to discriminate the reporting time frame based on a good or bad status. 

Next Wednesday I am planning to complete my big ticket item purchase ( as I can not delay it anymore ) and I expect that XXXXXXXX XXXX will be able to resolve this situation and have my accounts reported to the credit bureaus by then.
Consumer complaint received 2019-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (PA)

On XX/XX/XXXX, I was in a car accident and my XXXX leased XXXX was totaled. My lease was with Hyundai Capital Finance. On XX/XX/XXXX the account was settled with my car insurance, XXXX. I spoke with both companies to confirm that there was nothing else I needed to do and they both said everything was settled. 

On XX/XX/XXXX I got a new credit report in which my score went down by more than 120 points due to an unpaid balance of {$1000.00} with Hyundai Capital Finance. On XX/XX/XXXX, I proceeded to contact the company to ask what this debt was about. The agent I spoke with informed me it was money my insurance company didn't pay originally. I asked this agent why they did not attempt to contact me before marking my account as negative on my credit report. The agent said that they sent a letter to an address I haven't lived in for the last two years. My follow up question was why they did not attempt to call, email me, or contact the co-signer of this lease, to which the agent responded, " That is not our policy. We just send one letter and if we don't hear from you we send it to our debt collector agency. '' I told her that no collection debt agency had attempted to contact me in regards to this debt, so how could they ruin my credit without ever attempting to contact me? She said she could not speak to the process, but that I could try to contact XXXX and XXXX to dispute the claim. On XX/XX/XXXX, I promptly paid the debt and sent out letters to both companies and one to Hyundai 's Dispute Center. 

Now, XXXX and XXXX  have updated the account as paid and did not take any action in regards to my dispute about not being properly informed of such debt. I called Hyundai Motor Finance again on XX/XX/XXXX and spoke with another agent. I asked him if I could speak with the dispute center because I do not believe it is fair that my credit went down over 120 points when I have never made a late payment in my life. He told me all I could do was contact the credit agencies, both of which have not done anything. I have not heard back from Hyundai 's Dispute Center I promptly paid my debt and if you look at my credit report, I have never made a late payment in any of my accounts. This decrease in my credit score will negatively impact the next decade of my life. As a law student, I depend on my good credit I worked for to get good interest rates with my loans. I have been diligent in my payments to make this possible.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK (PA)

On XX/XX/XXXX, I sent an international wire transfer through Discover Bank, to an account in the XXXX XXXX XXXX XXXX of the amount USD {$21000.00}. I was informed by the bank that a USD {$30.00} fee will be charged to my account and the full USD {$21000.00} will be transferred to the XXXX account. When I inquired about the exchange rate, they refused to tell me the exact rate, but assured me the transfer will occur at the market rate at the time of the transaction and no other fee would be charged. The exchange rate on XX/XX/XXXX was XXXX USD = XXXX  CAD. On XX/XX/XXXX, a pre-converted amount of XXXX {$26000.00} was received in the XXXX account, almost CAD {$1000.00} ( or USD {$750.00} ) less than what was promised. This corresponds to an exchange rate of XXXX USD = XXXX  CAD, approximately 4 % less than the market rate. A separate CAD {$17.00} receiving fee was charged by the XXXX XXXX   XXXX XXXX, and they confirmed they did not make the conversion. 
In summary, despite me inquiring about the fees/premium or exchange rate multiple times, Discover Bank assured me only a {$30.00} fee will be charged by them and their intermediaries. They also told me that the market rate will be used as the exchange rate. After the transfer, they refused to take responsibility for the money loss.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXXXXXX 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, 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 2019-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (KS)

This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my employers insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed medicredit and XXXX XXXX XXXX that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.
Consumer complaint received 2019-04-02
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (FL)

i sent a letter to Experian more than 30 days ago and they did not respond back. I feel that they are ignoring my request to show me proof of a legal and binding agreement with the creditors. in addition, i asked them to show me how they verified these accounts and what method was used to verify these accounts. 

1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

I wish to raise an official complaint in respect of treatment of Suntrust mortgage account on the basis that I do not believe that I have been treated fairly. 

I was told by seller I will have {$16000.00} incentives for the closing. My closing due day is on XX/XX/19. The most current closing disclosure I received from suntrust was on XX/XX/19. I was agreed on all numbers, based on that closing disclosure. Until XX/XX/19, the Suntrust sent me a email, and that email stated there was an error on my final closing disclosure. Also I will not getting a full amount of {$16000.00}, because based on their explanation that FHA credits for state transfer tax ( {$1100.00} ) it is apart of that {$16000.00}. It was conflicted when the seller told me at beginning. Which I should get a a FHA credits from seller by the MD state Law, and with a full {$16000.00} seller incentives additional on top of that. 
I have been misleading by Suntrust and the seller ( XXXX ),  and do not believe they meet the Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have attached with original final closing disclosure on XX/XX/19.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NY)

At the present time I am conducting an investigation because I have been a victim of identity theft. During the past few months I have received several phone calls from Discover for a past due balance. It has been almost about 10 to 15 phone calls a day. I found that persistence very unusual and concerning. At one time I had spent about 25 minutes with a Discover representative and as soon as I hung up I received another call from a representative allegedly from Discover as well who did not verify the account nor asked any security questions to protect my privacy. I also found that Discover had different phone numbers to contact me that were incorrect, I requested the representative to inmeditately remove the wrong contact numbers. 
As I am currently struggling as a victim of identity theft and my credit has plummeted, I am reviewing everything in order to recover. Discovers actions are not compliant specially after so many issues affecting customers privacy and identify protections.
Consumer complaint received 2019-04-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (TX)

XXXX is charging me for a loan that was supposedly exonerated over 10 years ago. They've bullied me into making several payments so it could take the negative effect off of my credit report and be up to date. 
10 years ago my mother took out a student loan in my name with my step father as the co-signer. Shortly after, my dad had gotten cleared for XXXX XXXX XXXX  XXXX which allowed me, as his dependent, to utilize his benefits that paid for my college finances. Because of this, the loan was no longer needed and my mom had it exonerated. Only for 10 years later to pass and I am being charged for this! I do not have the funds to pay this loan and do not feel I was fairly approached and educated on this matter.
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

Someone pretend to be a landlord renting a property. I send money for the application and for a deposit. 2 payments of {$55.00} for two adults and 2 payments of {$450.00} for a security deposit to supposedly take the property off the renting listing on XX/XX/XXXX. As soon as they started asking for more money I started calling them and by the end it sounded like they would try to work things through because they keep saying that all the money was refundable. As soon as they didn't show up the next day I called my bank and explained them everything. They didn't say much, the next day XX/XX/XXXX I contacted my bank again but they informed me that they couldn't do anything and that they had send a letter to my home to inform me of that decision instead of telling me right away when I called.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TN)

I entered into a legal settlement on a credit card debt I had with Regions Bank and completely fulfilled the terms of the settlement paying 100 % of the agreed upon amount. Despite this indisputable fact Regions is showing a " current balance '' of {$5000.00} and this is negatively affecting my credit score. How can I have a " current balance '' on an account that is closed and on an account that has been paid in full based on the terms of a legal settlement. This is vindictive fraud by Regions Bank.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
Transunion, XXXX and XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc. (ME)

I HAVE SENT *SELF LENDER* TWO LETTERS THAT WERE HAND WRITTEN. I KNOW REALIZE I SHOULD HAVE SENT THEM CERTIFIED MAIL, DUE TO THE FACT THat I did not get a response from Self Lender.

I have spoken to many customer service reps at self lender..They always tell me they dont do that here, meaning they dont take closed accts or late payments off the accnt once they add them! I swear the world is out to ruin me and my credit, when i have done is work my butt off trying to do everything the right way, then i seem to get skrewed for no fault of my own. i cant just let this go.

i had a self lender acct, i paid it as agreed, then yjet pushed me to open Self visa card through them. so i did just that. they took my money from my lender acct and added it to my self visa account. i thought i was upgrading my self account. 
a month later my credit report was dinged with a closed account and a late payment. makes no sense. i was never late. how coyuld i have been late if acct was closed!
Consumer complaint received 2019-05-05
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. (GA)

Someone has been using my identity to receive medical treatment. There are 3 separate instances of these incidents that occurred in all 3 credit bureaus. I have contacted the credit bureaus in the past regarding these accounts. The accounts still remain. I have also filed a complaint with the FTC website in addition to the companies involved.
Consumer complaint received 2019-04-02
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 (CA)

I canceled my service with The XXXX XXXX XXXX   canceling their authorization to retrieve funds from my credit card account because I was led to believe that I had to keep their XXXX  services to obtain the credit card. Following the cancelation, I never paid any of the monthly charges because I added a block. I filed a dispute XXXX for {$2900.00} with American Express because The XXXX was non-responsive. It was credited back to my balance. On XX/XX/2019, American Express rebilled me the {$2900.00} and charged me XXXX the first monthly installment on XXXX after I made them aware and forwarded them a copy of the cancelation request I sent the merchant. 

At the time of this purchase, I made the sales lady aware that I was suffering from severe XXXX and my husband suffers residuals from a XXXX. I felt like we were taken advantage of and ignored when I expressed buyers remorse. At the time of the purchase I was being treated for severe XXXX and they completely disregarded my attempts to cancel prior to the letter I faxed. 

Now, American Express feels it's their duty to make me abide by the contract that I canceled with The XXXX.
Consumer complaint received 2022-02-02
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)

When accessing XXXX portal I discovered that the information ( personal and credit accounts ) were completely inaccurate. It appears that my consumer report has merged or been mistaken for someone with a similar name as me. The SSN listed on the report was NOT my SSN and the credit report revealed accounts that have never been associated with me.