davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I was told in the past that these accounts would be deleted from my credit report over a month ago but they still appear and are causing me to stress out.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. Collections West, Inc. (AZ)

The contract related to this account is unverifiable canceled and or has been paid by insurance by law I am not liable for any third party debt collection as the original creditor has already been paid.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-08-16
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: Santander Consumer USA Holdings Inc. (NJ)

I was online today looking for free pre-approval options for a new car loan. the website cleared stated it was a soft pull, however a third party website called "road loans" pulled my XXXX  credit report without my authorization. I tried to call the lender as well as XXXX  to try and dispute this, and no one was able to help me
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (FL)

Total debt was paid in full and XXXX with GLA COLLECTIONS AGREED TO PAY IN FULL THE DEBT WILL BE REMOVED COMPLETELY FROM CREDIT REPORT ON XXXX. SPOKE WITH XXXX WITH GLA COLLECTIONS 2 TIMES AND SHE SAID SHE HAD RELEASED THE DEBT AS PAID IN FULL AND COMPLETE REMOVAL. 2 WEEKS AGO TODAY XX/XX/2019.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I have a sapphire credit card from chase bank that for no reason was blocked. I ordered a new one a week ago but never received it. I called them on multiple occasions but those who pick up calls maliciously refuse to send my new card and change intentionally my passcode. All calls are monitored and recorded, I want the Department of Justice and all federal agencies in charge of protecting financial consumers to take the matter in hands and give them maximum sentence.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I opened a credit card with USAA, as well as a checking account for me and my then-minor son. We used them responsibly. We never had an overdraft, never a late payment, never a NSF, never a issue of chargebacks, nor any other banking issue. We received letters in XXXX that USAA decided to close our accounts, and the decision was final as well as they would not ex-lain why this was happening. It was very inconvenient to have to quickly update auto-pays, move money, open new accounts. It was especially frustrating because we had no negative history with the company, since the relationship began 5 years ago. My credit score is XXXX, my sons is XXXX. I think it has to do with XXXX but I am unable to prove that since the company will not release any info.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail. 
Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (OH)

During the COVID pandemic I applied for XXXX XXXX Mortgage Deferment Program due to the financial uncertainty that may have followed. My first question to the XXXX XXXX Loan Advisor handling COVID related clams was : " Will this program affect my credit scores in the present or future? XXXX XXXX 's response was " No it will not affect the account holders credit scores. 
This is a VA federally backed loan that has been current since XXXX with no missed payments for the record. Fast forward to XX/XX/XXXX when my forbearance was terminated and my account is in good standing with XXXX XXXX. XXXX XXXX has added the comment to all three Credit Bureaus " that the account holders are Paying under a partial or modified payment agreement '' On XXXX XX/XX/XXXX my Expirien credit score dropped 82pts due to this comment. I have verified that with the Expirien they are counting this comment as a major negative delinquency. 
I have reached out to the XXXX XXXX executive resolution team regarding this problem and they have responded explaining that they have reported everything accurately along the lines of the Fair Credit Reporting Act. Please Advise
Consumer complaint received 2019-08-16
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. (NC)

I've been submitting validation/ dispute letters since XX/XX/2019 about the inaccurate reporting of a public record applied to my personal credit report. 
Whom ever this collection agency is listed as Unkown or -- - on my TransUnion Credit Reporting. The  balance is XXXX but I'm unaware of what account ( s ) are linked to this inaccurate reporting. I've requested information linked to this debt such as the name of the person the information was collected, address & their contact information. The credit bureau hasn't sent me any information linked to this public record. Since the credit bureau could not furnish any documentation or any information, I requested complete removal of this public record from my personal credit report. The unverified item still remains.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed few items of my Equifax report and it wasnt taking off my report and I believe they havent received the documents to remove the account and Ive been waiting for over 30 days and each time I call a overseas Equifax customer care the line will be disconnected few times on purpose and each time dispute the item it would take longer than 30 days to dispute it ... 

The items are currently in dispute are XXXX XXXX XXXX XXXX And XXXX XXXX   And I have a copy of the FTC report
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KS)

I have two accounts with XXXX XXXX. XXXX is for XXXX which I owe ( XX/XX/XXXX to XX/XX/XXXX ). I purchased XXXX XXXX during covid for my job. The other from XX/XX/XXXX to XX/XX/XXXX for XXXX is not me. 

I simply asked for : A. The dispute process to which I was, XXXX. Treated rudely and given false information, to which I, XXXX Asked that she speak to management to negotiate lesser amounts as I was not comfortable laying a debt that I did not owe, but was continually argued with, overtalked, and provided fraudulent information. 

False info : - far more rude than what I care to type, but was told that I needed to find proof that I owed the debt, when the law clearly states that the burden of proof is on the creditor. I asked again to clarify, and the second time the info was just as false and just as rude as the first. 

- badgered when calmly asking that management be consulted about lesser amount, again explaining why, to which I was argued with again, wanting to know why I wanted to dispute, and that if I didnt have a legitimate claim or proof, etc. Then finally clicking me to hold XXXX and XXXX. After holding for 15 mins or so, came back with a lesser amount which I paid just to rid myself of the stressful situation and very inappropriate call.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Capital One is reporting an account ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX XXXX XXXX ) in my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies.

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies.

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information.

If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

Paid card off, and late fee was added. Spoke to representative and she stated she removed late fee. Received no letter and stared receiving phone calls every day including Sunday and messages. Spoke with representatives and they were suppose to review phone call and next thing I knew in 2-days later receiving message from Debt Collection.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

they are reporting a Delinquent Account but i'm in good with the company i think the report is on my son we are at the same mailing address XXXX XXXX XXXX XXXX XXXX XXXX kansas XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SFS, Inc (MS)

Yes an agent contacted me for a firm named XXXX XXXX XXXX. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of {$210.00}. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting XXXX XXXX  XXXX to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.
Consumer complaint received 2020-10-13
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. (NC)

THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I applied for a conventional mortgage with the US National Bank. I got a loan estimate for 4.375 %. I requested the loan agent to lock the rate. She said their computer system/underwriters are not allowing to lock the rate. They delayed the process and waited for the interest rates to go up and eventually locked the loan at 5 %
Consumer complaint received 2023-02-01
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. (NY)

I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Comerica (TX)

I have been banking with this Bank for 30 plus years. I have been trying to apply for a Home Equity Loan. I have been denied 3 times. First one was over the phone and I was denied right away. But my original bank found the paperwork and and gave me a credit card with limit XXXX to do some repairs. Next I tried for a Home Equity Loan about 2 years ago and I was told my XXXX XXXX was too low. I applied for one XXXX XXXX now they are saying my debt to income ratio is to high. I have Student Loans and I am working for the State of Texas if I work for 10 years my student loan will be forgiven.
Consumer complaint received 2020-09-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

This is my second time disputing and requesting information from the credit agencies and the company involved. I attempted to dispute this with XXXX and XXXX, but neither credit reporting agency is providing any information that I've requested other than to verify my name. ( XXXX confirmation # XXXX, have not heard back from XXXX ) I have asked for a bill/invoice with a breakdown of all charges, as I have not done business with the company ( NCS ), and am not about to pay them {$2600.00} simply because they have my name. National Credit System continually updates my credit report as 'dispute resolved ' without providing what I've asked for. Simply verifying my name is not a bill or a breakdown of charges owed.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This company has been harassing me nonstop about a debt I do not owe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have been contacting me endlessly and threatened to take legal action against me for a debt I do not owe. I mailed the company a debt validation letter. I've read many reviews on this company and their tactics and I am not the only person who they have been harassing according to the XXXX.
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at Bank Of America NA, XXXX XXXX, CA. ( invoices attached ) 2 transfers were executed for a total amount of {$24000.00} to this account : USD {$18000.00} sent XX/XX/XXXX ( receipt attached ) USD {$5600.00} sent XX/XX/XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to Bank Of America. No reply was received. ( Letter attached )
Consumer complaint received 2020-09-06
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (FL)

HYUNDAI CAPITAL AMERICA Account Name HYUNDAI CAPITAL AMERICA Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

A dispute was placed on XX/XX/2020, to both Equifax and MD child support for negative marks reported on my credit report. I have not supplied proof under the doctrine of estoppel, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt in fact exists. It has also surpassed 45 days and no response from either company.