davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (CA)

I recently applied for a credit card at XXXX and was turned down due to a bank closing my account. I called the bank in question which is XXXX XXXX but they told me that they did not report this to the credit bureau or have a record of this. I was referred to speak to the credit agency TransUnion. I spoke to them and they do not have a record of this. So there is no way to dispute something that supposedly doesnt exist.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

Per my credit report states, I owe an amount of XXXX. However, I didn't create this account and was actually homeless, ( XXXXl breakdown accrued, I wasn't able to live alone per Dr requirement ) at the time so no way to have XXXX XXXX utilities. I reviewed my credit and noticed a home purchase in 2018 that wasn't mine since I was not in Missouri at all. Called the number to speak with a rep in concern to the account they continually disconnected the call once they perceived they couldn't bully me into making a payment. This has never been my account, when I asked for information to be sent to my review of the original debt signature they haven't provided it.They were not able to confirm the correct info for my d.o.b or whole name, which I would do for anything legally binding since I've has information from another XXXX XXXX XXXX, that was living in my same city for a while.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX XXXX XXXX  - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2020 I called capitalone informing them that I had a check getting deposited into my account to cover my negative balance of {$97.00} on Monday the XX/XX/XXXX. On the XX/XX/XXXX my account had a restriction placed on it Sunday the XX/XX/XXXX. Monday my check cleared and left a remainder balance of {$940.00}. I called the bank to see if the restrictions could be lifted but I was told no. I was willing to drive to the next state over to retrieve my money but I was told I couldn't walk into the bank to get my money I had to wait 7 to 10 business days until it was mailed. I thought this decision was very unfair so I called back the next day. Then I was told I could get the money transferred To another bank account that was linked to my restricted account. So it's now the XX/XX/XXXX and my money is still sitting in a restricted account that I have no access to.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I wrote a letter to the XXXX XXXX XXXX asking them to provide proof ( showing something with my signature ) that I have an account with them. I never received a response. On XX/XX/2021, I sent TransUnion a letter disputing this matter stating that it has been well over 60 days with no response, along with the letter that I mailed to XXXX XXXX XXXX. I asked them to delete this negative inaccurate information and I have not received a response in this matter.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

I would like KeyBank to return the bank fees they have caused my family an erratic amount of stress. We can not even buy food. 
The fees as of this morning are XXXX $ That is in fees alone. It is unheard of and unjust. 
That doesnt even include the disputes.
Consumer complaint received 2018-04-07
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. (CA)

Experian has published inaccurate information regarding XXXX XXXX XXXX XXXX. 

1. Account Number published is not accurate 2. Account is being Re-aged 3. Account charged off XX/XX/XXXX 4. Account charged off XX/XX/XXXX 5. Date Account opened is In-accurate 6. Date first reported and Date of Status keeps  changing ( Re-aging ) 7. Inconsistent written off amounts on account PLEASE SEE CREDIT REPORTS WITH INCONSISTENT AND INACCURATE INFORMATION, ALSO SEE LETTER OF EVIDENCE FROM WFDS
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Student Assistance (GA)

I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and American Student Assistance no response XX/XX/2018.Instead my file was transferred to another agency XXXX XXXX on the XX/XX/2018 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from American Student Assistant that I will not be offset XX/XX/2018 I was offset XX/XX/2018 (  enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and American Student Assistance refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. American Student Assistance violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did XXXX XXXX review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XX/XX/20 In regards to CARE ACT I was advised my FHA loan that is current was not an option rather I was advised by my mortgage company PPH. I was told by resolution team XXXX XXXX I only eligible for their 3 month forberance offer by phh.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I TERMINATED TWO USAA SECURED CREDIT CARDS NEARLY 60 DAYS AGO I'VE BEEN GIVEN THE 'RUN-AROUND '' BY USAA REGARDING THE RETURN OF TWO SECURED XXXX 'S THAT SHOULD HAVE BEEN RETURNED TO ME WEEKS AGO I HAVE SAVED ONLINE CHAT ON THREE DIFFERENT OCCASIONS PROMISING THE RETURN OF SAID FUNDS FOR THE LAST SEVERAL WEEKS NOT RIGHT!
Consumer complaint received 2018-04-08
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: EQUIFAX, INC. (CA)

On XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (NY)

My long standing account with XXXX is not being reported on my XXXX  and Equifax consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had opened an XXXX XXXX  and experienced fraud. I went though the process of doing claims and and the identity verifications for the XXXX. I was given direction to submit claims to Bank of America. A year later I still not have received my funds I am owed from XX/XX/XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (CA)

On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CURO Intermediate Holdings (IL)

1. XX/XX/XXXX, XXXXCalled Curo Management Credit Report Team about a duplicate inquiry on XXXX  credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. XXXX reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Consumer complaint received 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

I was asking them to change the due date for me after 1st time repo my car and i was asking for the paper for detail that i was paying for get car out but no respond or info and keep asking for the payment for the car i just pay on XX/XX/XXXX and my due date is XXXX so i ask them to change my due date they said no. i didn't ask for low interest i ask for due date after repo my car. i was moving to my bro 's house. 
1st time that i was late payment should be avoid repo because my phone lost and i protect by victim witness assistance.
Consumer complaint received 2022-01-20
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. (NY)

I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

For a couple of YEARS now we have had a billing issue where we purchased a home warranty from a company Nationstar ( now they changed their name to Mr. Cooper ) recommended. We paid the warranty company in full, each time a one year policy payment upfront. Yet Nationstar/Mr. Cooper shows overdue payment ( s ) of {$860.00} for this " Optional Insurance ''. We have called several times, sent in the proof of the annual payment, and the consecutive annual payment we paid, including a copy of the bank statement showing all paid at once. 

Upon talking to various Nationstar/Mr. Cooper personnel, they first said " You have to call the home warranty company as they authorized Nationstar/Mr. Cooper to automatically pay from your monthly mortgage payment ''. I called the home warranty company, they said absolutely not, they did not notify Nationstar/Mr. Cooper to deduct that as they show we pay the entire bill upfront directly to them. I did not authorize the deduction monthly, I have asked for proof of such authorization and Nationstar/Mr. Cooper can not provide that proof to me ( because they do not have any such authorization ). 

Even putting Nationstar/Mr. Cooper on a conference call with the home warranty company supervisor, has not stopped Nationstar/Mr. Cooper from continually putting this incorrect/bogus amount on our monthly mortgage statement. We had assurances they would, and still each time I call they say in " 10 days we will send a letter showing the amount removed '' and they NEVER DO! So now our XX/XX/2018 statement STILL shows the amount " Overdue Payment ( s ) of {$860.00} and WE DO NOT OWE AND THEY REFUSE TO REMOVE IT. 
We took their recommendation, bought and paid for the home warranty policy, renewed and again paid the complete annual policy amount, all shown on our bank XXXX Statement and they REFUSE to comply with our request. We are done, we need help and they will not correct this, we ask they be ordered to correct the mortgage statement and put in writing they have done so please.
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent my first letters over 4 months ago to XXXX, Experian and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Consumer complaint received 2021-06-25
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 wrote to XXXX XXXX, TransUnion regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dividend Finance Inc. (OH)

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Ohio XXXX came to my home to install 10 windows totalling XXXX workers stated they were finished noticed my bedroom window shade was pulled down I called them back they broke expensive shade they sent two different gentle men out they said the windows were not finished raised the windows 2in up they went all the way up buy them selves they also said balances weren't checked old storm windows weren't removed & a frame on out side was not put on Dividend finance Co start sending bills right away job was not complete I called & wrote them I would not make payments until 2 months after job was completed per our contract they have been billing with late fees etc bad credit scores they are due to complete XX/XX/XXXX I'm not obligated to start my payments until may per our contract with XXXX
Consumer complaint received 2022-10-16
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: AES/PHEAA (DE)

I recently rehabbed my student loans, and Fed Loan Servicing transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (CA)

I wrote to Experian, XXXX XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.