davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC ()

I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. 

However, Credence continues to call me XXXX regarding this bill which is no longer owed. 

I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. 

How do I make these collection phone calls to stop?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, Md XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : XXXX Sincerely XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I signed up for a card that I was informed was for XXXX dollars, I got approved, then the card came informing me it had a {$500.00} limit so I use it and it stops working at {$300.00} call the company and they tell me they can give me credit for whatever they want, just because the letter said you would be getting XXXX does n't mean that what well give you, bs. Then sent my information to other companies because now I get emails and phone calls about all these other cards and XXXX when they screwed me over and I never asked for any other offers. They took my information to use it however they saw fit and think it 's ok to XXXX someone ocer just because their some big company.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Because of the recent data breach at XXXX, I decided today ( XXXX XXXX, 2017 ) to put a freeze on my credit reports. Experian will not allow me to do this over the phone or on their website. They are only allowing people to do it via mail ( probably to limit the amount of freezes ).
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Equifax had a breach of my sensitive, confidential, identifying personal information contained within involuntarily required credit reports in XX/XX/XXXX, and did not inform me of this breach until XX/XX/XXXX. This compromised my identity & financial security for over 6 weeks while they had knowledge of it which negated my ability to take actions to protect my identity and finances during that time. They have indicated they will offer free credit protection services to all Americans, however they require the aggrieved customers ( albeit customers who had NO CHOICE in being such ) initiate protective action rather than initiate the protection for the customers and let those who wish to refuse the protection take the initiative to contact Equifax and have it removed.
Furthermore, after numerous attempts to speak with a customer representative by phone on XX/XX/XXXX ( to no avail ), was unable to get beyond an automated phone system that disconnected and/or was never answered after numerous attempts.
Consumer complaint received 2023-01-28
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: Advanced Resolution Services Inc. (TX)

Improper usage of incorrect addresses tied to incorrect accounts needs to be removed. Propagating false information on my credit report, and inquiries that has incorrect information and that I have knowledge of needs to be removed.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I called Transunion on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Transunion refuses to investigate even after I have done my part as the consumer.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account from XXXX filed as bankruptcy on XX/XX/XXXX. Account paid in full XX/XX/XXXX never subject to chapter. Account legal paper work included and the auto title was received in XXXX.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXXXXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc. (DC)

I opened my Total XXXX credit card in XXXX 2016. I have had abut 5 credit cards reported lost or stolen by the company. I will use the card and it declines. When I call the company ; they tell me the card was reported lost/stolen and a new one is en route. I have never called them and reported my card lost/stolen however I receive a new card every few months. The bigger issue is when the card is reported lost or stolen ; it is reported as a new account on my credit report every time. So it will close the account and open a new account which affects my score and does n't establish the payment history which is why I opened the account in the first place. I called the company and was told there is n't anything they can do when it is coming up the card is lost. I, the card holder is not reporting the card lost.
Consumer complaint received 2017-09-08
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. (NC)

XXXX credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX7 & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-25
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. (CA)

In reviewing my credit files, it appears there is a collection from XXXX services which i have not acknowledge of. I believe the information is false due to the fact i have never associate with XXXX, my phone bill and internet are with XXXX  services.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My home loan is serviced by Shellpoint Mortgage Servicing. On XX/XX/XXXX I submitted a Qualified written request to Shellpoint via their email address XXXXXXXXXXXX, I did not receive a confirmation of receipt within the mandated 5 days. On XX/XX/XXXX I re-sent the Qualified Written Request to the same email address, this time I requested a delivery confirmation and read receipt from my email service provider both of which I received. I have previously sent correspondence through the email XXXXXXXXXXXX and it was received by Shellpoint. 

As of today XX/XX/XXXX I have not received a written confirmation of receipt from Shellpoint or a response to the issues I raised in the QWR. 

Per the CFPB web site the lender/servicer has five days to confirm receipt of the request and 30 days to provide a written response. 

I would like the CFPB to assist me in getting a response to my request.
Consumer complaint received 2017-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (CA)

I am on an income based repayment plan with ACS. In XXXX, I missed a payment which resulted in late fees of {$100.00}. I have now paid a late fee of {$100.00} every single month since XX/XX/XXXX. ACS never notified me of the late fee amount, so initially I assumed that the amount was being broken down over several months. After 3 years of a continuous late fee payment, i decided to inquire about an accounting, i.e. how much was my initial fee, how much have I paid on it and how much was still due.
Turns out, when an account is in IBR, ACS applies all overpayment of the due amount to interest first and then late fees. Since my interest is always over {$100.00} of the late fee, they effectively created a system in which there is not a way for me to pay the late fee. My continuous additional payments of {$100.00} are creating a windfall for ACS that flies in the face of the intent of IBR.
After a lengthy discussing with the supervisor 's supervisor, I asked if for one month I could pay the current due, plus the accrued interest, plus the late fee if that would take care of the late fee. I was told that it would but only if i pay on the day that interest accrues. I intend to do this. However, this seems like a clear violation of IBR that amount to defrauding student loan borrowers. It seems highly unlikely that I am the only one this happened to and should be investigated in depth.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (WI)

My XXXX XXXX XXXX was stolen XX/XX/XXXX and I filed police report and notified the finance company XXXX. Insurance covered rental for 30 days and no additional coverage from dealer. Auto was found same day it still had not been fixed due to alarming rate of XXXX and hyundai being stolen. I have contacted XXXX on several occasions for a deferment of payment as I have to pay for rental car and unable to do both as the car is still not returned to me. They are not willing to help at all. I waited for supervisor to call back over a week and they still had not. I called back today only to get no where with this. I need assistance.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (WA)

XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX my husband and I had lunch at the XXXX XXXX in XXXX and the next 2 hours my card had a charge of {$280.00} in Utah, I called the bank and said it wasn't my charge, but they said it was a chip consumption, so it must be my own consumption, but after lunch my husband and I went back to work, we didn't even have a vacation, we didn't even know where Utah was. It's impossible to drive from XXXX to XXXX XXXX to fly to Utah in two hours.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had an auto loan with Capital One which I paid off early. My husband mistakenly overpaid the loan amount and we are due a refund. Capital One has refused to discuss with us the dates and amounts they have received. We have been told that no overpayments were collected. We know from our bank statement that overpayments were made.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

i keep getting calls from collection agencies in reference to a balance. 
i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you