davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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: GOLDMAN SACHS BANK USA (CA)

APPLE CARD/GS BANK USA has reported my account as " late payment '' several times, one in XX/XX/XXXX, one in XX/XX/XXXX and one in XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 that states that I have the right to privacy. In 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. S1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX I opened a credit card in the store XXXX and made a purchase of {$150.00}. 
I received the bill for this in the mail on or around XX/XX/XXXX and it was due XX/XX/XXXX. 
I immediately set them up in my billpay account and entered payment to be sent. 
This was processed in XXXX XXXX on XX/XX/XXXX to be delivered XX/XX/XXXX. 
Tracking on the payment shows the check was in XXXX on XX/XX/XXXX and XXXX, TX where was it's destination on XX/XX/XXXX. The due date was XXXX which was a Saturday. From the bank notes and tracking it appears the check was at the company by XX/XX/XXXX as the bank notes. XXXX processed the payment on Monday XXXX and sent me a late fee for {$30.00}. 
I tried to reach out by phone and email multiple times and explain this is not appropriate as even though they did not get me a bill out with lots of time I still paid immediately in full and on time and they for some reason did not process my payment prior to the due date. 
I got a scripted answer that said I am not eligible for a late fee wavier. I asked for a manager to call me but have not had that happen. 
I late got a call from a collector wanting {$37.00}. I explained again they seemingly held processing my payment or did it on the next business day and the fee was not fair and I wrote in for a manager to call. She had her supervisor get on the phone and tell me he would waive the {$7.00} and I could pay {$30.00}. I did not even know where the {$7.00} was coming from and had already stated I am disputing the {$30.00} late fee as I was not late. They now are sending me a statement for {$61.00}. 
I made a purchase of {$150.00}. I paid that in full and on time.
Consumer complaint received 2021-12-02
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. (FL)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX Equifax requested documentation from me. During a phone call on that date I needed to speak with an advisor about the items seen on the report printed from AnnualCreditReport.com.  Mid-conversation the advisor told me they couldn't locate me in their system. The advisor then provided me the fax number XXXX. She told me to send a copy of my report along with valid ID and social security card. 

XX/XX/XXXX I called again and another advisor confirmed that my fax was received, but no profile for me existed in the system. She said to wait for a letter in the mail. 

XX/XX/2019, I received a letter in the mail. Equifax requested a form XXXX. In the letter they mentioned that my social security number is associated with a person who is deceased and that this was caused by the Social Security Administration ( SSA ).  Immediately after receiving and reading this letter I called the Social Security Administration. That XXXX document will arrive to me by mail within 7-10 business days from today ( XX/XX/XXXX ). 

The SSA representative debunked the letter statement made by Equifax regarding my social security number being associated with an individual who is deceased. The SSA shows my profile, date of birth, alive and the fact that I have never been on any kind of benefits. Fortunately, they can still see a record regardless. I exist in their system. 

Today I tried to register online at Equifax.com and I wasn't unable to pay for service due to an error. I called the phone number provided n the error message. This phone number led me to the Dispute team at Equifax. 

The dispute advisor wasn't able to find me in the system, again, but she mentioned seeing a note about documents being requested. Secretive she was, I asked her how she saw a note without pulling up an account and she placed me on hold with no return. 

Currently I have an agency assisting with credit repair. My XXXX   and XXXX reports are all accurate and available. I can also call those two credit agencies and they can pull my records with no issue. 

For Equifax, this is a major concern. I have copies of all three reports printed in XX/XX/2019 and again in XX/XX/2019 from AnnualCreditReport.com. Unfortunately, when I call Equifax I do not exist. They can not assist when I have concerns about items on my report. Additionally, when I called yesterday, XX/XX/XXXX, the advisors were unsure of how I received letters in the mail without a record. They weren't able to tell me what department they came from. Oddly enough, the letters are legitimate and someone from Equifax sent them. 

So far I've spoken with 5 advisors ( or representatives ) and two managers in the dispute and account support team total.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) XXXX/XXXXXXXX XXXX/XXXX XXXX   XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have a thirty year ARM ( adjustable rate mortgage ) with Fifth Third Bank. 
The mortgage was given in XX/XX/XXXX with an annual rate adjustment every XX/XX/XXXX. 
There have been no problems with this process and I have never missed a payment in 12 years. 
Last year I received my " change of rate notification '' letter in XX/XX/XXXX. 
This letter stated that my then current rate of 3.5 % would change according to the agreed upon formula to the new rate of 4.00000 %, effective with the XX/XX/XXXX payment. The monthly payments would now be {$1000.00} until the next scheduled adjustment in XX/XX/XXXX. 
We have an Auto-Pay arrangement and Fifth Third draws the exact amount from our XXXX XXXX checking account on the XX/XX/XXXX. 
My monthly paper statements reflected this rate through XX/XX/XXXX. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me that the Bank discovered an error on my account and that the interest rate disclosure statement should have been 4,125 %. However, my payment would not change and Fifth Third will pay the difference between the two rates until XX/XX/XXXX. 
In XX/XX/XXXX I noticed that my credit rating dropped 89 points from XXXX  to XXXX due to an alleged " missed '' mortgage payment! 
The Bank statement send to me in XX/XX/XXXX is a total mystery to me. For the Due date of XX/XX/XXXX alone, there are six entries with various codes, some of which are not disclosed. My attempt to get clarification via phone conversations with four different persons has resulted only in more confusion. 
The bank has since then acknowledged that they reported the missed payment erroneously to the credit bureau and issued a letter of correction. 
While the Bank has acknowledged that they made a mistake and my payment would not be effected, they are calculating with the 4.125 % rate and therefore getting different P/I amounts which are effecting our outstanding Balance. My calculations at 4 % interest differ from the Banks calculation by {$71.00} as of XX/XX/XXXX.
Consumer complaint received 2021-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Subject : Response to Wells Fargo Letter dated XX/XX/XXXX CFBP Complaint ID XXXX concerning account XXXX To whom it may concern, Paragraph titled Termination of business with Wells Fargo and restriction on account ( HELOC ) I have reviewed your letter with the enclosed HELOC contract agreement and disclosure statement. The following clause from the terms and conditions of the Open Ended Mortgage agreement is referenced in the letter for restricting my account : Based on our review, we have made the decision to restrict your use of your account due to your action or inaction which has put our interest in the collateral at risk. This statement does not help me understand why my HELOC account is restricted and Wells Fargo will not let me draw from the account even though my account is current, my property value has increased from the origination of the HELOC in XXXX to $ XXXX and the balance on my primary mortgage is only $ XXXX. According to the open ended agreement, the note does not come due until XXXX and I am contractually able to draw on the account until XXXX. I hope the fact that I am XXXX and retired were not factors in Wells Fargo determining that I am too risky. 

Upon reflection, I remembered that in XX/XX/XXXX, the Wells Fargo/Wachovia HELOC was issued at the same time as the home mortgage with Wells Fargo/Wachovia. Since that time, I refinanced my primary mortgage with XXXX and then XXXX transferred my loan to other loan servicers ( XXXX XXXX being my current loan servicer ). As such, Wells Fargo may not have been informed by the other loan servicers of the transfer of the mortgage of my primary residence. 

I am able to provide the following documentation to be in compliance with the terms of the open-ended mortgage agreement : Latest mortgage loan statement from XXXX XXXX indicating satisfactory payment of mortgage, real estate taxes, and insurance for the lifetime of the XXXX ARM serviced by XXXX. 
Current NJM Home Insurance Policy Declaration Endorsement indicating that XXXX XXXX  is the Mortgagee Sincerely, XXXX XXXX
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (HI)

Cancelled my subscription for credit monitoring with equifax in XX/XX/2021 on their website when the changed the product to the new complete family plan. Received an email on XXXX XX/XX/2021 stating a cancel request was put in. Since being of XXXX I have received 9 different emails saying my payment failed to process and to call or go online. I called them on XXXX XXXX and they confirmed that my produvt was cancelled and no payment was due. Since then I have received 4 more emails stating payment was processed and to call or go online. I called again on XXXX XX/XX/2021 and the person who answered asked weird credit questions to authentic me from years ago that I was unable to answer. So I asked for the ticket to be sent up to a manager. Since then I have received 2 more payment emails. This is harassment and this company needs to stop immediately!!!
Consumer complaint received 2019-03-19
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: ID Analytics, Inc. (FL)

In attempting to purchase a new car I was advised derived from my XXXX   report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
Consumer complaint received 2018-03-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (OH)

The XXXX lease account was paid in full as of XXXX, XXXX, the lease was completed as scheduled and returned as required. As of the date XX/XX/XXXX, there was a certified letter for No Response to a 1099 Request to Hyundai Finance to validate the charge-off reported on my consumer credit report. " You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only have you ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you XXXX be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. 
I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. ''
Consumer complaint received 2024-02-28
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. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed as this is not my account and was open fraudulently. 

XXXXXXXX XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.