davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (MI)

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

The last 2 months in 2018 of the credit card payment history show that I was late making the payment. I had the payment scheduled for automatic payment from my account but there was an error in the transaction that prevented the payment from going through. I did make the payment in the Kohls store though. Throughout 2018 I made payments on time but the last 2 months I would like removed from my credit report because this has impacted my score.
Consumer complaint received 2019-03-31
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: EQUIFAX, INC. (NC)

I called the creditor which is XXXX XXXX at XXXX XXXX XXXX to pay off 2 debts off of Equifax. I was told that they were removed from there record on XX/XX/2018 and that it should've been removed off my credit report. So i put in a dispute with Equifax 3 times and each time i got a email stating that the issue has been corrected.but i cant seem to get into the right page cause i keep being told that my information isn't correct.but it is ... i know who i bought a car with..i know who i got a credit card with. Im putting in my right imfo but its not right according to equfax.maybe that got wrong information i dont know. In any case the information is still on my report and i want it off.the same information was on transunion but was deleted. I truly dont undertand the problem.please help me.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 Experian updated my credit score. The score went down XXXX points without reason. All my credit cards are at {$0.00}. Everything paid. Experian does not have an explanation. I called. The system will not give me an explanation. Furthermore the system does not allow me to speak with a live agent
Consumer complaint received 2022-04-26
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. (NC)

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (FL)

On Saturday, XX/XX/2023 I received 2 deposits to cash app totaling {$250.00} less cash app fees so about {$240.00} which gave me a balance of {$250.00}. There were no pending transactions and less than 2 hours after the deposits my balance dropped to {$3.00}. I immediately reached out to cash app and they keep telling me to dispute a transaction, but what do I dispute when all the transactions have posted and nothing is dated for the date in question? I have contacted support 4 times and now all they keep saying is an error occurred between XXXX and XXXX, but that is all the information they can provide. I can file a dispute. 

People told me cash app was taking their money since the owner died, but I thought they were mistaken. Now I know they werent. I plan on telling them to file a complaint as well.
Consumer complaint received 2023-07-26
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)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-02
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: AMERICAN EXPRESS COMPANY (FL)

I applied for and received an American Express clear card on XX/XX/2018. There was a 60 day 0 % interest balance transfer offer included. The entire reason I applied for this card was to transfer high interest balances. During the promotional period I attempted several times to transfer balances from other credit cards, including cards from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. The American Express system each time said it did not recognize the card as being from a valid issuer. Since these cards were all from major issuers, I assumed it was a system error and went back to try again. I am now outside of the 60 day promotional period and XXXX is saying I can not transfer a balance. I explained the technical issues with the representative when I called in, but she offered only an apology, with no solution. I let her know I would be filing a complaint related to this. I feel like this was a misleading promotion as the system they provided did not accept the cards from major issuers and caused a lapse in the promotional period that they will now not honor, even after explaining to the representatives the multiple online attempts in their system. I would like to be able to transfer balances in the amount of the promotional offer.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (IL)

I contacted CashApp XX/XX/XXXX about a transaction that was pending for seven days. A few hours later I received six texts from them saying there was a banking error and additional funds were deducted from my account. My balance went from {$620.00} to {$490.00} for transactions that were showing completed in my account weeks earlier. I was also making deposits during this time. I have contacted them at least five times about this only to get scripted responses that doesnt address the issue. In addition, I have contacted them before because I had quite a few pending transactions that were over 60 days old.
Consumer complaint received 2019-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage took illegal funds from my Escrow to pay late fees on taxes that their Company was required to pay. I have been trying to get my Escrow straightened out since XX/XX/18 with the company. They keep on messing with my Escrow and make my payments go up every month.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (AL)

I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Collection from XXXX XXXX XXXX for {$210.00}. I do not owe this debt, I have had XXXX. I have disputed this balance and provided proof that I was with XXXX  at the time this balance was incurred.
Consumer complaint received 2018-01-25
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. (AZ)

I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

TransUnion and XXXX were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NH)

I have an open account with CareCredit managed by Synchrony, who I've historically paid off debts with before. But I recently changed jobs so my pay schedule changed and screwed up my entire monthly schedule. I've been trying to sort it out but I still didn't have my deductions yet and needed to make sure I didn't overspend and miss rent. My account with Synchrony for the balance was 9 days overdue and last week they started harassing me. Between XX/XX/22 and today XX/XX/22, they've emailed 4 times, texted 3 times, and called ( with voicemails ) 3 times - all of this was automated. I had missed a {$30.00} payment and it was only due XX/XX/22. Furthermore, that doesn't include of the physical correspondence they've sent by mail. What's worse is that when I called back angry after being woken up on a Sunday, the 3rd day in a row, it was very difficult to get past the automated system to a person. Their number goes straight to a relentless AI system. And while the rep I spoke to was very kind to me, I told her that I had protections under the law from harassment and I could withdraw consent to receive calls. I was told by the rep that the calls would continue unless I paid or specified a date that I could pay, and that Synchrony does this knowingly to distress people until they pay even if they don't realistically have the means. I understand that this debt is mine and I'm trying to problem solve but I will not be harassed and bullied over a {$30.00} payment. We are people and unexpected problems happen to everyone. These companies get away with the most abhorrent practices and spit in the consumer 's face - I mean this is medical debt for XXXX 's sake. And I'm very much not out of the woods right now. Perhaps if they would use business tactics that align with human behavior more efficiently, they wouldn't have to harass and threaten people into paying.
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I am having trouble opening bank accounts with XXXX XXXX, XXXX, TD Bank, XXXX XXXX, & other high level banking institutions. This is due to fraud that wasnt done by me. I opened a student account with TD Bank account in the beginning of XX/XX/XXXXXXXX. At the end of XX/XX/XXXX, there was a false check of {$4400.00} placed into my account after I lost my TD Bank card along with the account number & routing number written in an envelope in XXXX, NY. I wasnt employed at the time, so I couldnt have made anything close to that amount. I hadnt realized I lost my information until I got to XXXX. I called customer service to have that TD Bank account closed once I got back from a weeks vacation in XXXX ( XX/XX/XXXX-XX/XX/XXXX) .This account was for building a checking account for tuition. On XX/XX/XXXX, a friend of mine placed 3 false checks into my XXXX account ; each of which totaled to {$900.00}. I didnt know what he was trying to do really. At first, he said it was a favor then it turned into fraud once the checks appeared as false checks. He blocked my phone number & other sources of contact information after that. At last, the account automatically closed near the end of XXXX, XXXX. That XXXX account was opened in my XXXX year of high school in XXXX, XXXX. I was also using that XXXX account as my first funding option for college for food, groceries, school supplies, furniture for my apartment, & gas for my car. All of this has lead to me being unable to open other student accounts since Im trying to get back into school at The University of XXXX. These bank accounts are needed for me to receive funding, especially from family while Im away at school in XXXX. My family resides in various parts of XXXX XXXX  XXXX.
Consumer complaint received 2019-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX ( points before ) XXXX ( Points after ) XXXX ( Amount taken out ) 38 pts We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX XXXX/XXXX XXXX Account Removed From Report I have no had a student loan for over 5 years and this was paid off. This has came out of my account more then 4 times and has greatly impacted my score. i have worked 2 solid years working to rebuild my credit however this dep of education has been removed 3 seperate occasions and dropped my score over 70 points. This needs to be resolved ASAP
Consumer complaint received 2023-02-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-03-02
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. (SC)

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX  Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX Account # : XXXX Balance : {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX  Account # : XXXX Balance : {$0.00} XXXX XXXX ( XXXX ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Consumer complaint received 2022-11-30
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. (VA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX 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 2018-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (GA)

I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX  XXXX XXXX XXXX filed Bankruptcy XXXX XXXX  XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX  XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX  XXXX XXXX   discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. 
XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. 
XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. 
XX/XX/XXXX the 1st foreclosure took place. 
XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. 
XX/XX/XXXX received paperwork from court that they wanted to file for reformation. 
XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. 
XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (DC)

XX/XX/2018 Funds withheld from my payroll by XXXX XXXX XXXX, affiliate of XXXX XX/XX/2018 Immediately filed complaint with XXXX  because funds had been illegally garnished-what they had designated as loans were actually TEACH grants that I am in compliance with XX/XX/2018 Response from XXXX/ECMC indicated that funds garnished would be refunded to me in compliance with terms of bankruptcy XX/XX/2018 Filed for Bankruptcy in District of Columbia, XXXX XX/XX/2018 Bankruptcy, chapter XXXX, granted XX/XX/2018 I contact ECMC to ask why they are collecting on a TEACH grant that I am in compliance with XX/XX/2018 I contact the Ombudsmans office at the US Department of Education seeking assistance in resolving this issue as I am one of thousands of XXXX across the USA that have been jeopardized by the immoral and illegal practices of this company. The Ombudsmans office indicates that I need to resolve the matter with ECMC/XXXX  directly. 
XX/XX/2018 XXXXECMC and affiliates indicate to me that they will send me a form to complete and submit in order to request a review of my file BUT they continue to " collect '' on a TEACH grant XX/XX/2018 Form arrives from ECMC/XXXX  and affiliates, I have completed form and am submitting it via their customer service email address