davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE FARM BANK, FSB (SC)

I recently refi my home to pay off all my bills the closing lawyer contacted all the credit card companies to get the payoffs and the dates I then sent the checks with tracking numbers to state farm bank and it was a over payment of around XXXX dollars. State farm then charged a additional interest charge on top of the payoff amount they had given to the closing lawyer.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-30
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. (TX)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

The mortgage servicer Mr. Cooper has accepted and confirmed the submission file for XXXX XXXX. & XXXX XXXX XXXX was received on multiple occasions in XX/XX/2019 ; however, the assistance package would within days be denied. The denial was based on the claim that the mortgage note owner would not accept any submissions from the XXXX XXXX. Mr. Cooper claimed that they had received confirmation from the mortgage note owner that the XXXX XXXX had reached their limit for mortgage assistance. When requesting confirmation of said servicing agreement, instructions or communication confirming this statement we were denied every time. Mr. Cooper has not been transparent with any information and have prevented us any form of mortgage assistance. This has caused our home to remain in foreclosure and now we have been forced into a foreclosure date of XX/XX/2019. We believe this is predatory lending and a violation of the Mortgage Assistance Act. We are needing assistance because as consumers we are being violated.
Consumer complaint received 2023-01-30
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. (OR)

The credit bureaus put a statement on my report but DID NOT remove the inquiries that were a result of fraud. Delete these immediately. 

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 XXXXXXXX XX/XX/2023
Consumer complaint received 2020-07-09
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)

Two companies ( XXXX and XXXX XXXX XXXX are reporting inaccurate information on my credit report that is ruining my credit rating. They agreed to remove but still being reported to one or more bureau with the same information. 

XXXX XXXX has multiple accounts listed on my XXXX  report with the same account number. All of which are paid off but also showing that I owe {$270.00} which isn't accurate. 

There is inconsistent details showing in my personal information that needs to be addressed. Inaccurate information enhances the possibility of identity theft for an example. I have several inquiries that were not authorized and may have been affiliated with addresses I don't reside! XXXX XXXX XXXXwas an unauthorized inquiry at all bureaus. XXXX/XXXX  is an unrecognized/unauthorized inquiry from XX/XX/2018 on XXXX and XXXX is an uncrecognized/ unauthorized inquiry on XX/XX/2018. 

I have disputed on numerous occasions but the information is still inconsistent.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Consumer complaint received 2018-09-22
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. (PA)

I disputed ERRORS on ALL 3 my credit report, pursuant to 609 of the FCRA.

I attached a method of verification pursuing to 611 of the FCRA. 

CRAs didnt properly respond to disputes, closed all accounts erroneously. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed EXPERIAN a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XX/XX/XXXX and just returned to live in the USA in XX/XX/XXXX. Previously, I had only returned to the USA in XX/XX/XXXX, for business purposes. 

I included copies of my US Passport with my XXXX XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to EXPERIAN, I called XXXX XXXX XXXX XXXX, around XX/XX/XXXX. I explained that I sent my XXXX  and proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by XXXX XXXX XXXX XXXX. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these inquires I didn't authorize. 


Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XX/XX/XXXXInquiry from XX/XX/XXXX Finance XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX   Inquiry from XX/XX/XXXX Finance  XXXX Inquiry  from XXXX XXXX, XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2023-01-30
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. (UT)

I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (TX)

This is part of the complaint relating to the XXXX XXXX XXXX I just filed a second ago. 

XXXX XXXX Rausch Strum I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to Rausch Strum Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.
Consumer complaint received 2020-07-09
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. (WI)

I have contacted Transunion 3 times about a collection account on my credit report. They did not send me physical proof verifying that this account is mine. They claimed they verified it but this account does not belong to me and I do not have a contract with this company. Transunion refuses to send me information on how they verified this account as mine. I already contacted the Collection agency and they also did not send me Verifiable proof with my signature or contract with this company. Transunion is not compliant according to the FCRA and are reporting fraudulent and inaccurate information on my credit report without any proof or authorization. I also believe that the three credit bureaus are still communicating with each other because even though my accounts are frozen two of the three bureaus didn't have this account and now all of a sudden 2 out of three have this account now. If this is the case then anyone can report fraudulent information onto my credit report without the accurate information.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date OpenedXX/XX/XXXXAccount Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. A 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report or file. The inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (VA)

I contacted XXXX XXXX XXXX and spoke with Agent ID : XXXX and advised of my situation. I stated I was in the hospital and had severe medical issues. I advised I was reported 30 days past due on my credit report and due to my medical issues wanted to request an update on my credit report as a goodwill. At no time in the call did the agent state Self Credit did not do goodwill credit reports. In fact I was told an escalation request was made for the update due to my medical circumstances and would hear back in two business days. I was further advised I needed to write an letter to your escalations department requesting my goodwill request. In which I have did. If in fact that Self Credit didn't do goodwill credit report update or even process request I was never advised that on the initial call. In fact I called today XX/XX/XXXX where a second agent told me they saw my request pending and to allow 3-5 business for response. I even received an email after the call advising you do not accept Goodwill requests.This whole experience has been false and misleading. If you don't even accept Goodwill, why did your agent advise me differently. I am requesting for the calls to be pulled and listened to as to what I was advised.