davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have been unemployed since XX/XX/2020 due natural disaster ( COVID-19 ) I called XXXX XXXX to inform them of my circumstances and was given the option to defer payments for a few months. Upon calling to ask if deferment was still available I was told yes and if I did not receive a call from company that means I have been approved and no payment would be due. Upon checking my credit report the company never called to inform of late payment which resulting in payment to go beyond 30 days late which has caused a negative impact on my credit report. The date they have reported late payment was the month of XX/XX/2020 in the amount of XXXX. I have tried to resolve this issue with company as well as disputing with the 3 credit bureaus stating this was due to a natural disaster and I am and have been an exceptional customer prior to the outbreak of Coronavirus.
Consumer complaint received 2022-03-15
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Mortgage was collected 2 days early, on XXXX instead of my due date of XXXX resulting in two payments in XXXX. We are scheduled for mortgage auto drafts the first of the month, NOT the last day of the month. Its my understanding this isnt allowed. They cant change my contract at will?!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (DE)

In accordance with the Fair Credit Reporting Act ( FCRA ), I, as a consumer protected under federal law, hereby withdraw any and all authorizations, whether expressed or implied, written or unwritten, verbal or non-verbal, that I may have previously granted. This decision is made pursuant to 15 U.S.C. 6802. Please consider this communication as my formal request to opt out. Privacy Act of 1974 ( 5 U.S. Code 552a )
Consumer complaint received 2023-01-18
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. (IL)

My personal information has been reported to credit bureaus without my verbal or written consent. The United States Bankruptcy XXXXXXXX XXXX XXXXs does not report bankruptcies to credit bureaus. This action is a violation of 15 USC 168 a, 15 USC 1681 n, and 15 USC 1692 g.
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these debts and the company has failed to validate these debts with the information that I have requested. They have also broken laws under the FCRA & FDCPA. I sent the company an invoice for the violations that they have broken as well as a affidavit of truth that has not been responded to correctly. I am now demanding all negative information be removed accordingly. I am attaching the documents in this file Company has violated my rights as a consumer/natural person under FDCPA law. I do not assume this alleged debt and I have made this known to them on multiple occasions. I am not giving them permission to furnish this debt on my consumer credit file. I have found this company violating my rights as a consumer. On many occasions I have giving this company 30 days to respond with the requested information and they have failed. I request my payment of {$19000.00} be redirected to me. 

pursuant to 1692 ( g ) ( a ) -notice of debt I had never received a letter notifying me of the name and address of the original creditor nor that if any portion of the debt is not disputed that it would be assumed which is in violation of FDCPA 1692 ( g ) ( b ) -disputed debts- I have notified in writing that all portions of this debt is disputed.

As per 1692 ( g ) ( c ) -The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (LA)

On XXXX XXXX I purchased an American Express Gift Card to rent a vehicle from XXXX XXXX  XXXX. On XXXX XXXX upon going to pick up my rental I was informed there was no reservation and that a scam had been going on with several people coming in with gift cards/prepaid cards to purchase rentals. However I preceded to contact American Express to inform them that I had been scammed. Upon the first contact on XX/XX/XXXX about XXXX XXXX  I was told by the first customer service representative that I needed to call the merchant and was given theses merchant ID numbers XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX that XXXX had been pending charge and another for {$10.00}. I ask how to contact to find out who used or where the purchase was made she informed me I have to XXXX. Upon doing so I only got a XXXX writing so I proceeded to call back. I was told by the second representative that the account was put on hold that nothing would be done unless I reach the merchant to return the money because they couldnt do anything so to card agreement which I didnt understand if they were both saying my account was on hold why wasnt it that they could not stop/cancel the card completely because its a scam. She stated madam you will have to contact the merchant. I proceeded to do my own research and again no success so I call again American Express and spoke with XXXX who gave me the name of merchant XXXX XXXX transaction {$100.00} XXXX, {$190.00} XXXX and XXXX  which I research and its an app they purchase {$10.00}. After doing research and calling the XXXX company at XXXX no answer the whole Sunday but on Monday the XXXX I called it say my caller id could not go through not sure that meant so I later tried XXXX at XXXX I was told on recorded line due to high call volume that but call may not be accepted so I found an email tried contacting them that way was told it could not be sent. Well I waited just sent another asking they had a customer service number and later was responded but I cant speak a person this was after I attempted to call American Express talking to a supervisor who kept apologizing saying sorry Mrs XXXX because of the card agreement we can not refund your money there is nothing we can do you have to contact the merchant I kept explaining to her it was a scam and no merchant is taking my calls I have been blocked from the XXXX and XXXX number which gives an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have enclosed all documents I have of my contacts and Im unsure if I should continue with XXXX  because Im unsure whats real and what not when I have already lost XXXX due to trying rent a car that had the actual XXXX number
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (CT)

I received a letter in the mail from Allied International credit Corp. They claim that I owe {$100.00} from XXXX I have only ordered once from XXXX 3 years ago and that was paid on time. I checked with XXXX and I have no outstanding debts. This is a Scan. When I call the phone number I received a message saying that the phone Is no longer accepting messages and I should just pay online. Their phone number is XXXX XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

Mr. Cooper inherited my mortgage from XXXX XXXX at the end of XXXX. I mailed copies of each month 's proof of payment ( paid thru my on-line bill-pay ) for XXXX and XXXX ( paid to XXXX XXXX ), and from XXXX to : Mr. Cooper, Attn Notice of Error/Request for Information, Customer Relations : XXXX XXXX XXXX, XXXX, TX XXXX. I also sent a request for assistance to the address that received Mr. Cooper 's monthly payments ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ). Yet, every month I continue to receive emails stating that my payment is over-due. I received a letter dated XX/XX/XXXX, stating my " payment is now 30 days or more past due, and my loan is in default as of that date. '' ) When I phone each of the customer service numbers provided, the queue responds to my phone number and informs me that my " mortgage is paid in full ''. That info is referring to another property that was sold in XXXX ( or maybe XXXX ), not my current residence. 

Please process a complaint, and prevent my credit score from deteriorating.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (MI)

I have tried contacting Equifax about fraud accounts on my credit. They told me to fill out some form and I did and to mail it to them. I did and they have nothing. I do not know who else to help me but can someone please help with these fraud accounts, I am being contacted by people companies that i do not no.
Consumer complaint received 2018-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (NC)

I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.
Consumer complaint received 2022-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Four Directions Lending LLC (KS)

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. 
The date was XX/XX/2022 for the amount of {$640.00}. More than 60 days after I requested that West Side Lending stops debiting my account.
Consumer complaint received 2023-01-29
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. (TN)

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.

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

15 U.S.C 1681 section 602 A. It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681 C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a resonable cause to believe that the information is inaccurate. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX & XXXX ( XXXX Bank ) Account # XXXX. 
XXXX XXXX Account # XXXX XXXX XXXX inquiry dated XXXX.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have tried to stop all marketing and solicitation from credit card companies. for the past three years i have been trying to repair my credit. part of my program was to stop credit card companies from soliciting me. During the process, i also asked not to be marketed to using the direct marketing opt-out. 

I have tried to get American Express to stop trying to sign me up for new services. I have tried to work with American Express on several occasions. I have been determined to be ineligible for my requested service. American Express says i am not eligible to use there business Gold travel rewards card. I was also declined for their XXXX sponsored credit account. American Express explained there reasoning and i asked not to be marketed too. This was not only American Express this is all credit card offer. 

About one or two years ago i asked to discontinue marketing and solicitations from American Express. I made this request using an XXXX  opt-out request and a credit card marketing opt out and a direct marketing opt out. most of the solicitations have stopped, although American Express continues to solicit my business. I have even gone as far to add my email addresses to the opt-out. American Express still ignores my request. 

American Express continuing to ignore my requests puts my credit rating at risk. by not having marketing and solicitations i am less likely to apply for new cards. this makes my inquires lower and this improves my overall credit. I have spent a great deal of my own money to improve my credit. I have also spent a great deal of time to improve my credit file. I take offense to the fact that American Express refuses to follow the rules about marketing to me at my addresses ( including email ) I am very tired of seeing American Express advertisements in my email and mail box. I have asked in what i thought was the most civil way possible not to be marketed too. I continue to receive these marketing efforts. I believe these actions are illegal and i also believe i am entitled to restitution or restorative or liquidated damages for duress this causes. I have asked to be left alone. I do not want to be contacted for anymore marketing materials.
Consumer complaint received 2018-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I submitted a statement the amount is {$290.00} for the transaction. I called XXXX  to dispute the fee and let them know there were supposed to be no charges and the item should be removed from my credit file.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

This is a follow up to case # XXXX as the concern is still not resolved. 

My request was misinterpreted. I did not request a list of the periods that did " not '' qualify and why. First, I specifically asked for reconsideration of the payments made in XX/XX/XXXX and XX/XX/XXXX due to the new law signed into Congress as I had described in my complaint. Additionally, I'm not sure why you are saying I was in deferment for one month back in XX/XX/XXXX. I had never to my knowledge been informed of this nor did I request a deferment. Please explain. Lastly, I'm asking for the official letter, as originally requested, showing the total number of qualifying payments I've made toward PSLF, which still hasn't been provided to date.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NM)

The representative I spoke with on the phone when initiating the loan told me, on a recorded line, explicitly that if I paid the loan off early the payments would go against the principal and knock off interest charges. When I made my first early payment of {$1000.00} and saw that interest was not being deducted, I called and they said that while payments made through the app were not automatically pre-principal payments, they would create a ticket and fix the issue. A month later, when the interest was still on there, I called back and they said that since it was a recomputed loan I had to pay all of the interest even if I paid it off early.
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (CA)

Experian has refused to remove hard inquiries on my consumer credit report. I was advised to contact the companies directly. I mailed letters to the companies and they were returned 'undeliverable. ' The addresses listed on my consumer credit report are inaccurate which Experian would have known if they conducted an investigation. The hard inquiries negatively impact my FICO score. Additionally, they violate the law.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (PA)

Jefferson Capital Systems is trying to collect {$1000.00} from me through XXXX. It was from a cell phone & plan purchase in XXXX of XXXX. After a month I sent the phone back & closed the account because the service was horrible & now its in collections when it shouldnt be starting in XX/XX/XXXX.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-12
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: Consumer Portfolio Services, Inc. (OH)

I have several hard inquiries on my credit report that I did not authorize and are from unknown credit companies. 
- XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Consumer Portfolio Services - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX