davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
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. (OR)

Today, XX/XX/2020, I receive an alert that my credit score tanked by 37 points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks 37 points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up 32 points. I owe XXXX and it plummets by 37 points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXXXXXbyXXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXXXXXX XXXX/ {$0.00} / XX/XX/2021 XXXX  / {$0.00} / XX/XX/2021
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I made a purchase using XXXX XXXX XXXX ( comennity ) with a promotional rate of 12 months zero interest. I made all of my payments on time for 12 months using the us postal service. Comenity claimed they never received my 12th payment and charged me the deferred interest and late fees based on the missing payment. In my entire life of paying bills with USPS they have never lost any of my payments. I called comennity and asked them to remove the fees and interest based on my payment history. They were very defensive and rude. I cant believe that the payment that was due when my promotion expired was misplaced by usps as it has not been returned to me and every other payment arrives on time. They would not work with me to remove fees and interest or try to find out what happened to my payment. They are taking no responsibility for the missing payment. I believe they lostit to make an extra {$500.00} off a XXXX XXXX. I have no proof of what they did, but that is how they are getting away with stealing from consumers by saying the post office must have lost your payment. I have read other complaints from consumers of comenity taking advantage of people who need to make large purchases on credit. They told me if it was so important to pay my bill on time I should have payed online. I wasnt worried because the usps delivered all of my other payments on time. They dont make money if I pay on time. I believe they are stealing and didnt process my on time payment so they could charge me interest and fees. I wont do business with them anymore but they shouldnt be allowed to steal from consumers who pay their bills on time. Also, the statement they just sent in the mail with the interest and late fees arrived two days before the due date. Are they not required to send statements with enough time for the consumer to send payment? These practices seem very unethical and dishonest to me. I hope my complaint can help other people to avoid being robbed by XXXX XXXX/ commenity.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX of XXXX I refinanced a XXXX XXXX XXXX. I was using XXXX XXXX and had gotten a better rate from Capital One so decided to make the switch. About 6 months ago the car was totaled so we started the process of getting our payout as Capitol One owed us about {$4500.00} due to the car being worth more then our loan amount. I was working with my insurance company ( XXXX ) to get the payout but the day the agent was coming by to give me the check she said there was a problem with the bank, meaning Capitol One. We had a rental but that was limited to 30 days so at the end of that I needed to empty my saving account to buy my wife a car in cash. Come to find out Capital One had never received the perfected title because they failed to submit documents. I have called them every week for these 6 months now to see if there is anything they need to make sure we can get this issue resolved. They are quite incompetent because every time I call the person says they will send and email to the back people to see what the holdup is but nothing ever comes of it and I just end up calling the week after to get the same response. They forgot basic paperwork that is needed to register a car in their name. Once they forgot the Title Application, then they forgot to get the old registration from me before submitting paperwork. They tried getting a release of lien and failed at that so I stepped up and called my old lender to get things sorted. They were able to provide a release of lien but then it was back to Capitol One. Most recently I submitted a document and have been waiting 4 weeks for them to resubmit the document 's to the XXXX but I am always told they are in " review '' even though it is simply an old registration. At this point Capitol One owes me over {$6000.00} as I have still needed to make payments on the car. I am here to try and get them moving because I could really use that money and I feel they are either ignoring my case or are just that bad at their job.
Consumer complaint received 2023-04-07
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-07
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. (NY)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-31
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: General Motors Financial Company, Inc. (FL)

I don't know exactly what to do, I have been contacting these companies for months. I informed them that those accounts do not belong to me. I would like these accounts to be deleted from my credit report as soon as possible.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

COLLECTOR KEEPS CALLING MY CELL PHONE 6 TIMES AFTER I TOLD THEM TO STOP, THEY ARE SKIP TRACING FOR MY DAUGTER XXXX XXXX.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (CA)

XX/XX/2018 was told I owed XXXX XXXX {$33.00} due to an old account when i called. When you go to their website and enter the reference number it says no record was found. So the gal that was extremely aggressive said if i dont pay with a debit or check over the phone my credit would be damaged and they will come after me. For {$33.00} come on I'll pay it but if your website is showing no reference then I am not comfortable giving someone my check info over the phone.
Consumer complaint received 2018-03-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and XXXX. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 

Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (IA)

XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I lost my wallet on XX/XX/XXXX. I thought I had left it at Capital One bank in XXXX NJ but when I went back it was not there. I believe it was stolen from there so can the FTC please check the cameras there? My Capital one debit card, XXXX Credit Card, anXXXX XXXX  credit card was stolen. In my wallet, I keep my PIN numbers and passwords to everything because I have bad memory problems due to my mental health. My PIN numbers and social media accounts has been completely compromised XXXX XXXX XXXX someone used my Capital One Bank Card at multiple locations. I informed the bank about someone stealing from me and they agreed to issue me a new card and investigate this matter. I really need this investigation done thoroughly by the bank, FTC, & CFPB because I lost a lot of money due to these fraud transactions : XX/XX/XXXX : - ATM WITHDRAWAL for {$1000.00} - XXXX XXXX XXXX  for {$13.00} - XXXX for {$1000.00} - XXXX for {$1000.00} XX/XX/XXXX : - XXXX  for {$31.00} - XXXX XXXX for {$170.00} - XXXX XXXX XXXX XXXX for {$10.00} - XXXX XXXX for {$26.00} XX/XX/XXXX : XXXX XXXX  for {$3.00} XXXX XXXX for {$6.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX XXXX for {$210.00} XXXX XXXX XXXXXXXX XXXX for {$190.00} XXXX  XXXX for {$20.00} XX/XX/XXXX : ATM Withdrawal for {$1000.00} XXXX XXXX XXXX for {$20.00} XX/XX/XXXX : XXXX XXXX for {$16.00} XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXXor {$100.00}
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (IN)

On or before XX/XX/2018 I opened a BMO Harris Bank Account Online and the XXXX Department XXXX me and Told me My XXXX XXXX and XXXX XXXX Account is From A XXXX XXXX and BMO Harris Bank is terminating our Relationship. XXXX XXXX Bank, will allow me to receive a Checking Account however BMO Harris Bank has to close my Account I didn't know I had ; {$980.00} Dollars & {$2600.00} Dollars and I never use money from BMO Harris Bank
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.
Consumer complaint received 2021-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2018-07-28
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. (CA)

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX Bank ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. XXXX, Experian both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX Bank does not do student loans. I explained this to XXXX and Experian but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Consumer complaint received 2023-03-03
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. (GA)

As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.
Consumer complaint received 2021-12-08
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. (PA)

I contacted XXXX XXXX XXXX about a pre-approval for a XXXX XXXX XXXX. My application was rejected which is OK but they listed the reason that my credit card application was denied as " XXXX XXXX : XXXX - via XXXX, XXXX, and Experian. '' I called Customer Service and they confirmed that they information that they received was from those XXXX credit agencies and that it was coming back as a XXXX. According to my credit reports and memberships- Experian is a XXXX, XXXX is a XXXX, and XXXX is a XXXX as of today XX/XX/XXXX. I'm not sure what is going on but this is potentially the reason why I've been getting denied for various housing applications for the past couple months.
Consumer complaint received 2021-02-13
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: Phoenix Financial Services LLC (NC)

Phoenix Financial Services is reporting on XX/XX/2020 TWICE on credit bureaus for an amount of XXXX that I have absolutely no knowledge of. Ive tried to get it verified. I would like this investigated & removed as soon as possible.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Lending (AZ)

Genis is collection company is trying to collect from me and I did not oWe I debt to XXXX. I moved out I have a payment ledger and new lease that I did not live there. I do not have any document that I signed that I signed a new lease and they didn't send me anything that saying I owe money my new address was provided and I have messages that provide this