davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX had been removed, but the communication did not address the status of the XXXX XXXX dispute. 


On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. 


On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. 


On XX/XX/XXXX, I emailed the documents to the lender at the email address they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. 


On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. 


I disputed the payments because the originator of the loan, USAA Federal Saving Bank, and the servicer of the loan, XXXX ( now XXXX XXXX ) have long enjoyed a co-branding agreement wherein they encourage customers to make payments via the USAA F.S.B. website or mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.
Consumer complaint received 2021-03-31
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. (NY)

Closed and paid XXXX auto loan account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I have a rewards program through Chase - Chase Ultimate Rewards. I booked a ticket through the rewards center for XXXX XXXX XX/XX/XXXX. 

XXXX canceled the flight the night before i was supposed to leave. I called the Rewards Center and requested a points refund. I was told that they would issue me a refund but in dollars. I said that would be fine. 

A month later I had no credit. I called and was told that it could take up to 2 months. 

The following month I called again. I was told that I would only get point credits. i said that would be fine. No credits I called again. I was told that i would get a credit voucher from XXXX XXXX. This did not make me very happy as i would have liked to use it for a XXXX XXXX flight but I reluctantly agreed. 

On XX/XX/XXXX I called to book a trip with these credits. The trip was supposedly booked. I got a confirmation email. I went to the site and there was no trip for XX/XX/XXXX. 
On Thursday XX/XX/XXXX I called for help. I was on the phone for 1hour and 35 minutes. Of that time i was on hold for 1 hour 5 minutes. I was told it was all fixed and i could see the new flight the next day. 

On XXXX - no flight. I called and had to tell my story all over again. I was on the phone for 45 minutes. They were supposed to call me back right away. No call. 

I called again later in the day and spoke to a " supervisor '' XXXX who told me that she would need to eliminate the original ticket and issue an entirely new one. It would take XXXX hours and i should expect an email as soon as the new ticket was booked. No email and no new ticket 5 days later. That call lasted XXXX minutes. 

The horrendous service but, more importantly, the lack of ability to resolve this issue for me is extremely disturbing. I want my money back so i can close out this rewards program ( i still have XXXX other trip on XX/XX/XXXX before i do this ) and never have to deal with this organization again.
Consumer complaint received 2023-01-12
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. (WA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX 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 delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-17
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-11-04
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: ONLINE Information Services, Inc. (OH)

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX ONLINE INFORMATION SERVICES # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

After viewing my credit report I noticed that this item is reported inaccurately. The FCRA Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MO)

Issues with Midland Credit Management : 1. They call when told not to during work hours - repeatedly. 

2. Call several times a day and every day. 

Wife 's phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX My phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX Total for 4 days : 24 phone calls 3. They left intimidating / harassing voicemail. Attached the voicemail to this complaint. 

4. Sometimes when they call, they call with their phone number blocked - verified in person. 

5. They lied about my wife 's financial situation - they told me that she only had this one bill that was in collections, that I should help her out when it reality she already had one in collection, this is her second one, that they had looked at her credit report. 

Midland Credit Management called on XXXX XX/XX/2019 on my XXXX year old daughter 's phone line with their number blocked. So I gave them my number and told them not to call my daughter 's line since she is a minor under the age of 13. 

On XXXX XX/XX/2019 spoke for 23 minutes to first a woman, then a guy, the guy wanted me to assume my wife 's debt, I told them that it was my wife 's debt, and that I wasn't going to assume her debt but that I would check into it and not to call back, that I would contact them once I found out what is going on ( I wasn't aware of this situation with my wife ). He got really pushy in general, and said that they might sue my wife, etc and I told him again not to contact me or my wife any more and he said that I couldn't tell him not to contact my wife, and that that he could contact my wife - yet my wife 's phone is on my phone plan so it technically it is my phone line since she doesn't have her own. 

They have been calling my wife as work, she told them the first time on XXXX XX/XX/2019 that she couldn't take calls at work, and they called her again ( with the number blocked ) on XXXX XX/XX/2019 and she answered it, and told them again that her place of employment does not allow personal phone calls during work hours. Again today they called my wife at work with their number not blocked and she didn't answer it. Midland Credit Management has been harassing my wife at her place of business when they know she can't be on the phone during her work hours. 

Midland Credit Management also has been calling my phone number, up to 4 times a day even though it isn't my debt, but my wife 's debt. Also they left a voicemail with basically a heavy breath which is harassment ( I still have that on my voicemail ). They have called me 12 times in the last 4 days. 

Midland Credit Management has not provided any correspondence via USPS mail validating the debt, the first contact with them was the phone call on XXXX XX/XX/2019.
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (IL)

equifax XXXX XXXX is reporting information on my profile and its violating my rights 12 CFR 1006.34 ( d ), and 15 USC 1681- s2 ( 7 ) ( a ).

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), it is mandated that financial institutions must promptly remove inaccurate incomplete fraudulent account ifrom consumer reports.
Consumer complaint received 2023-01-12
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

a store card from best buy was closed during covid for no reason given. card had XXXX balance and my credit score was impacted. we weren't given a reason just a phone call after disputing the matter. the person on the phone just said we can do what we want at anytime. they know they can't hurt our credit scores. when signing up we were at the understanding this was threw best buy store not a bank. they violated the fair credit reporting act by ruining someones credit score due to there own actions but not the actions of the myself.
Consumer complaint received 2021-07-01
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)

XXXX I found XXXX things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Self Financial Inc. (TX)

Self financial XXXX XXXX XXXX # XXXX XXXX TX XXXX www.self.inc Self financial is the company I am filing this complaint about. I have been issued a credit card by them, then after I've been using it NOW they shut the card off and ask me to verify my identity. 

So I upload a copy of my driver 's license and debit card through their website and have emailed them several times. I have received one email back asking how they can help, i answered in the email I need help verifying my identity and I would like my card turned back on and haven't received another email since then. 

They have ZERO phone line customer service. ZERO chat box on their website. 

This is a DISGRACE to treat CUSTOMERS like this.
Consumer complaint received 2024-03-01
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. (FL)

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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 no acurate delete the account below
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (FL)

I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I made a payment incorrectly for a program that was dissolved. The payment of {$3900.00} was made in error and for the wrong amount. I immediately contact the merchant XXXX XXXX XXXX XXXX ) and tried to have the payment returned to the payment source, which they denied. Then contacted my bank ( Usaa ) which said that I couldn't " stop payment '' on the charge since it wasn't posted. I then went through the dispute process with them and provided all required documents and today on XX/XX/XXXX they denied and closed my dispute.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1500.00} Fraudulent names XXXX XXXX XXXX Fraudulent addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-07-01
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. (GA)

I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.
Consumer complaint received 2021-07-01
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. (TN)

I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. You must comply to the law as stated.
Consumer complaint received 2019-11-07
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. (PA)

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX  or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Consumer complaint received 2022-11-18
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. (MO)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I paid my Home Equity line and require a copy of my lien release to be recorded. I need the equity line account to reflect the {$9000.00} payment showing a XXXX dollar balance. Please email XXXX, and/or fax : XXXX any correspondence for this lien release. I have been requesting this on multiple occassions, please expedite as soon as possible.