davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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: Southwest Credit Systems, L.P. (FL)

South West Credit Systems or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX  and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

Over the past 6 months have contacted TJMaxx credit card multiple times to resolve under payment on billing statement. Reset online bill payment and billing cycle as was told this would resolve the problem but has not. Account has been set to pay STATEMENT balance prior to due date but continues to only draft minimum payment therefore leaving an ongoing balance subject to interest & fees. Want the balance of {$75.00} balance waived and card closed immediately as this is clearly a deceptive practice and isnt being resolved by TJ Maxx. Have statements and online bill pay history if needed as evidence.
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This is a disputed credit card charge of {$910.00} from XX/XX/2013 which was a fraudulent action by someone in XXXX Tennessee who used my name and card number. I had called Discover Card at the time that this was a fraudulent charge. Someone had used my card account number to obtain cash advances fraudulently. The charges on the card were all cash advances to an address at XXXX XXXX XXXX, XXXX, TN. I informed Discover Card at that time that my card had been compromised and I have never lived, visited nor knew anyone anywhere in Tennessee. I wrote to Discover Card after notification from them that they were holding me accountable and recently when I discovered the charge, though disputed, was still on my credit record. Discover Card refuses to do anything about it.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

Credit Report suddenly shows 10 student loan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (CA)

Credit card was used to pay to vender for probate of grand fathers property with US Bank card and did not receive services or itemized work vender provided they were suppose to get death certificate for me and did n't they would not return phone calls or emails see attached emails they provided nothing for the {$1600.00} dollars I paid them and I have nothing
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (WA)

Midland Mortgage ( XXXX ) is currently servicing my FHA mortgage. I have also applied for a loan modification on numerous occasions and XXXX has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. XXXX is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. XXXX also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. XXXX has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. XXXX is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. XXXX has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by XXXX on a number of counts and I am seeking your assistance on this matter.
Consumer complaint received 2022-09-08
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. (MO)

15 U.S.C 1681 section 602 A. states I have the rights 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 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-06
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: CITIBANK, N.A. (MA)

On XX/XX/2021. Citi Bank falsely attached someone else 's credit report to my account, resulting my credit card limit was lowered significantly. Contacted Citi rep on XX/XX/XXXX, XXXX she's rude and refused to help me correct the error and ask me to contact the credit bureau. 

Citi XXXX  score showed I have a score of XXXX with delinquencies and high credit balance In fact on XXXX website showed I have a score of XXXX with no delinquencies and with less than 5 % total credit utilization. 

This error has and will affect my real credit report
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CO)

This company has foreclosed on my home after it was put under the civil service protection act in XXXX. The initial paperwork said that no Legal proceedings would take place until XXXX XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Consumer complaint received 2015-08-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc. (NC)

I just spoke with Recovery Management Services and inform them that XXXX University Online did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My kohls charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted kohls department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes kohls will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I closed an account with XXXX, 3 months later i check my report to see that I am 90-days late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but XXXX refuses to revert the negative impact on my credit that was due to their transaction systems.
Consumer complaint received 2017-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I check my credit report very regularly and today I noticed that there were a number of inquires that are duplicated and are showing on my report that were not previously there on my report. I called the customer service number for Trans union and I was told that the computer must of had a glitch but they did not provide any resolution to get it resolved or corrected.
I would like to have my inquiry section updated to show the correct number of hard inquires.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.
Consumer complaint received 2017-06-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-Atlantic Finance Co., Inc. (TX)

I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (WA)

( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.
Consumer complaint received 2022-09-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XXXX, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Equifax credit report includes an entry that my wife and I have a government lean/levy for {$26000.00}. I have a letter from the government stating we do not owe anything. I believe the local county ( either XXXX or XXXX Pa ) added the lean/levy. The other credit bureaus do not have this negative entry. My wife and I are seniors living on a fixed income. 

Please help us. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Hello. On XX/XX/XXXX I returned a leased car over to XXXX Toyota XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
On XX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to Toyota because I returned my car before the end of the lease. I went immediately to the Toyota dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that Toyota made, they processed improperly the trade in paperwork and that 's why Toyota was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (CA)

The company leaked personal information and knew for MONTHS before releasing the information this occurred. And if you want to check if you were affected, there is n't a verifiable way ; recent information indicates that if you try to check if you were affected, they randomly generate an answer. Even past the security breach, the handling of this issue is horrendous.
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXX, 2021, I was contacted by Detective XXXX of the XXXX  Police Department. Detective XXXX advised me that he had arrested an individual and that that individual had in his possession a false photo identification card, a Well Fargo card, a XXXX XXXX card, and a XXXX  XXXX XXXX card with my name of them. Detective XXXX also advised me that the individual had all of my personal information, including name, address, DOB, SSN, mother 's maiden name, phone numbers ( cell and home ), employment details, credit history, and mortgage papers. I then contacted the above noted banks and credit card companies. I also contacted the banks, XXXX XXXX and XXXX XXXX, who are listed on my credit report as having made inquiries. I also notified all three credit bureaus. There were numerous unauthorized transactions on my bank and credit card accounts, including a XXXX ATM withdrawal from my Wells Fargo account on XX/XX/2021 and THREE ATM withdrawals from on XX/XX/2021. There were also fees for each of these ATM transactions. In addition, there were two ATM withdrawals on my XXXX  XXXX XXXX account. All of the banks and credit card companies involved have credited my account for these unauthorized transactions ( or advised that they are going to do so ), except for Wells Fargo ( who says it is still investigating ).
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I tried to use Experian 's online application to place a credit freeze. I filled in all requested information. After accepting my credit card payment of {$5.00}, a new screen said I could not place the freeze online. It said to upload additional information ( which it then said could not be done ), or mail in another payment with additional information. Neither XXXX nor XXXX made it impossible to place an online freeze. It appears that Experian is throwing up road blocks for its own self interest.
Consumer complaint received 2024-02-18
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. (GA)

In accordance with 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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) ( 1 ) 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 information is inaccurate.