davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an Experian XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (GA)

I am the consumer, original creditor and natural person. Comenity Capital Bank has denied my right to credit as I applied for a XXXX XXXX credit card account on XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Comenity Capital Bank violated federal law by denying my credit application. Comenity Capital Bank also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Comenity Capital Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Consumer complaint received 2022-09-15
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)

XXXX, XXXX and TRANSUNION are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, XXXX and TRANSUNION is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, XXXX and TRANSUNION to report any information and Consumer did not authorize anyone employed at XXXX, XXXX and TRANSUNION to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, XXXX and TRANSUNION and have been railroaded by XXXX, XXXX and TRANSUNION to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, XXXX and TRANSUNION to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, XXXX and TRANSUNION do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, XXXX and TRANSUNION has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
Consumer complaint received 2020-01-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Collection Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/2019 Amount : {$330.00} I got a response from the credit bureaus specifically TransUnion saying that the disputed account has been deleted. I have checked in the credit monitoring that I'm paying for and the account is still there. It is not deleted. This is my fifth time disputing this account with them and I keep getting these inaccurate, unfair responses. This account is not accurate because I had insurance. This was billed in error.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally address the ongoing issue concerning fraudulent items persisting in my credit file despite multiple attempts to have them removed. Despite my consistent efforts to provide evidence and documentation proving the fraudulent nature of these entries, they continue to negatively impact my creditworthiness and financial standing. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit file. Each time, I have provided extensive evidence, including but not limited to affidavits, police reports, and any other relevant documentation, to support my claims. Despite these efforts, the fraudulent items persist, casting doubt on the accuracy and reliability of my credit report. 

The presence of these fraudulent items has had serious repercussions on my financial well-being. Not only have they unfairly tarnished my credit history, but they have also led to difficulties in obtaining credit, securing loans, and accessing financial services. Furthermore, the continued presence of these items has caused significant emotional distress and frustration. 

I urge your agency to take immediate action to address this matter. Specifically, I request that : The fraudulent items be thoroughly investigated and promptly removed from my credit file. 
XXXX and transparent communication be provided regarding the steps taken to address my dispute and the reasons for the continued presence of these items. 
Measures be implemented to prevent similar fraudulent items from appearing on my credit file in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXXXXXX 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 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I submitted a complaint to XXXX XXXX XXXX and XXXX XXXX that had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.
Consumer complaint received 2021-09-20
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. (DE)

I submitted disputes and an FTC report for fraudulent accounts on my credit report. These accounts have not been deleted. 

Experian XXXX XXXX : XXXX XXXX {$120.00} XXXX XXXX {$170.00}
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (OH)

This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Consumer complaint received 2018-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

My wife and I ( both veterans ), have been with Freedom Mortgage for about 15 months. We have only had one issue when mail was delayed due to a snowstorm and the check arrived a day or two late. When we called them about the check being late ( we saw that the money had NOT been withdrawn on the XX/XX/XXXX ) they told us that we were immune from late payment for the first 2 years of our mortgage but STILL charged us late fees and claimed the fee would be applied to principal. We were mollified. However, this occurred again and AGAIN WE had to call THEM about not cashing our mortgage check. We were told to cancel the check and pay online. We attempted several times to pay online but their system was not working properly. We called several more times over the next few days and were finally allowed to pay over the phone. However, once again they got a number wrong ( allegedly ), and piled on even MORE late fees again telling us that they would be applied to principal. None of the late fees were ever applied to principal so they had BLATANTLY misled us or dare I suggest that they LIED to their own customer. Now they are saying we are TWO months late and we have both payments sitting in our account waiting for them to take it. I have done research on the company and this is NOT an isolated incident. They have been both aggressive in getting their money and politely unhelpful each everytime we try to pay them. They have continually lied or misled us, NOT corrected the problem NOR have they EVER called US. WE have called THEM we stay on top of ourt finances and this is completely unacceptable and a perfect example of corporate greed and incompetence. My FIXED mortagage payments have been going up due to late fees and accrued interest because they will NOT take our money. I do not know how to force them to take our payments please help us or inform them they need to fix how they do business.
Consumer complaint received 2021-04-08
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-03-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (MI)

We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (VA)

I make a payment every month. Upon opening my loan it says I don't have to make a payment or give me an amount to pay. I typically pay {$150.00} then. My principle amount has not changed in 5 months. 

I called Sallie Mae and they told me the money goes to accrued interest. I then looked at my account history. It then shows that interest amounts being taken out on the XX/XX/XXXX of every month and then on the XX/XX/XXXX of every month. I asked where this money on the XX/XX/XXXX was coming from. They told me it was from my payment. I then asked what my interest payment for XX/XX/XXXX was and they told me it was {$120.00}. I asked where did the extra {$22.00} go. They told me it goes towards interest. I asked why? If all the payment that was required was {$120.00} why wouldn't the excess go to paying down the principle. 

And why doesn't it show this on my loan payment history? Also why are these payment broken up for the XX/XX/XXXX and XX/XX/XXXX of every month? I then asked why they don't give me a choice of how to apply my payment on their website? Your only choice is to make a payment. Not how it is applied ( interest, fees, principle )!!! 

I also asked if, my loan doesn't require a payment at all, why isn't any amount going to the principle? I kept getting the same answer of how it is accrued interest and no payment is due until school completion. Why do I get penalized for paying a loan that isn't even suppose to get payments? Shouldn't any early monies be applied to principle so the interest is decreased? How is it legal for them to divide my money/payment on various dates without my approval or paying me interest on my money? How is it legal for them to hold onto money for the next accrued payment and not applying the surplus funds to principle? How is it possible that they don't show this on my loan history? And if they do, how is it I'm not seeing it? How is it possible that they don't offer me the option of paying extra principle/principle after the interest portion is paid?
Consumer complaint received 2020-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I have deposited check written in my name to my bank. I did open a new savings account with the bank to deposit the check. When I checked on transfer of the money I was told that money from the account was taken back. I reported to my bank about his fraud activity. The bank has freezed my account and closed it. When I went to the bank I was told that bank is cutting all ties with me and I will receive the resolution letter about this investigation in the mail. I am still waiting to find out what had transpired.
Consumer complaint received 2018-03-10
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. (MI)

Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NJ)

TD BANK N.A. is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )
Consumer complaint received 2022-01-19
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. (KY)

I noticed several hard inquiries on my XXXX and Equifax XXXX XXXX that do not belong to me. Ive reached out to the creditors as well as XXXX amd Equifax informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Factual Data - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquires Listed on Equifax XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XX/XX/2021 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. 

I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. 

To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. 

On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.