davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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. (OH)

XXXX XXXXMy name is XXXX XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by XXXX  XXXX I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX XXXX before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (TX)

On XX/XX/2018 the company XXXX XXXX called and left a voicemail that was quite disturbing, I have the voice to text and this message was left for me " This is a final courtesy call from the XXXX XXXX XXXX. Before reporting that you've been uncooperative and investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that's XXXX. Thank you. Good day. '' I admit I never answered the phone from the them because I do not answer random calls from random numbers, but I have read many complaints from the XXXX on their practice and feel them using jurisdiction, law etc is out of practice and is a scare method to make people call them. I'm truly not interested in speaking with them and would like for XXXX issue to be forwarded back to the original debtor for resolution for this company using a scare method is not my how I want to handle this issue.
Consumer complaint received 2022-11-19
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. (NJ)

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 Account Number:XXXXXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX  XXXX Account Number:XXXX XXXX Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account NumberXXXX 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 2019-03-20
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. (AL)

Occasionally I receive emails from equifax titled : Equifax Confirmation Number : XXXX - Dispute Received ( confirmation number is different with each email ). 

You're supposed to be able to take the confirmation number and log in to check the status of your dispute. Typically it would ask you to verify various pieces of information that would be identifiable by only you, however, the questions that are asked almost never apply to me and I am denied access. I've called equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( these are just the documented calls, as I typically call on fridays when i'm off work ). 

Each time they tell me that it's a network issue and they are working on it. The same story for over a year now. This is ridiculous.
Consumer complaint received 2018-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have repeatedly contacted XXXX  as well as transunion about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully discharged. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with transunion and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to XXXX on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was trying to pay Amex bill through XXXX XXXX  account app but the money went to anther Amex account which is not related to me my bank account was hacked first transaction was a payment of {$1300.00} on XX/XX/XXXX. Second one on XX/XX/XXXX payment of XXXX both transaction went to account no XXXX whit is not my account
Consumer complaint received 2018-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

In XX/XX/XXXX I went for annual physical at XXXX XXXX XXXX XXXX XXXX and was told that my insurance would cover the physical which has every prior and every since. When I went to this 'doctor ' it was obvious from the start that it was shame, I've never had a physical like the one I had at this place. I'm pretty sure the person who saw me wasn't a trained medical professional. A couple years after my physical I was sent a bill for {$480.00} and at that time I wrote saying I wasn't paying because they didn't provide the service they were supposed and I was told insurance would cover the cost. A few more years went by and they got COMMONWEALTH FINANCIAL calling me nonstop from a variety of numbers. The charge and service was fraudulent to begin with and now I have these guys calling me nonstop throughout the day.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Accounts : XXXX XXXX XXXX : Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I had a collection appear on my account from a company called Commonwealth Financial. I disputed the account with the 3 major credit bureaus and they responded that the debt was verified but they did not send me anything to validate the claim of me owing this debt/company. I then wrote a letter to the collection company " Commonwealth Financial ''.

One month and 1/2 later approximately 50 days passed and they never responded to me. I then sent them a 2nd letter which included my previous letter along with the certified USPS receipt validating the date of delivery to their office. They mailed me a letter on XX/XX/2019 indicating that the debt is owed but still refused to send me any supporting documentation to prove so other than a generic print out of a hospital statement. This negligence and improper reporting on my credit report is causing me a serious hardship. My Rights as per the Fair Credit Reporting Act are being violated because Commonwealth Financial has neglected to send me physical validation of this debt as well as they totally neglected the reasonable time frame allowed to respond to my initial request for validation. This reporting is truly destroying my rating and I am requesting that it be looked into and removed from my reports as soon as possible. I appreciate your time in this matter and I would like to thank you in advance. I would love the opportunity to submit all of my correspondence that I have mentioned above. 
Thank you-
Consumer complaint received 2018-02-16
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. (TX)

There are several names listed on my credit file that are not accurate or me and items that do not belong to me listed on my credit file. I have tried to clean this up myself and getting no where. Please help My name is XXXX ( XXXX XXXX XXXX ) last  name XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Unknown items listed XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX   {$200.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX Pleaes help me get this matter cleared up
Consumer complaint received 2021-06-23
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. (VA)

I have tried numerous times between XX/XX/XXXX and now to get Equifax to correct a debt collection from XXXX XXXX. I am unable to submit documents through their MyEquifax website and their phone representatives are unhelpful.
Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX was my original mortgage company. The ownership of my mortgage was transferred over to XXXX XXXX XXXX XXXX XXXX. 
But they are not the servicer of my loan. The servicer is Specialized Loan Servicing LLC. The Loan was transferred XX/XX/2018. 
Since the transfer, I have not received a detailed statement ( escrow balance, payments made on my behalf, verification of homeowners insurance and property taxes paid ) or ANY statement for that matter. I have called several times only to be promised a statement to no avail. 
Not only do I not have any way to pay my mortgage without a statement, they want to charge me a service fee to pay over the phone! 
I have escalated this issue to the managerial level several times and have been promised I will receive a statement. I have NOT received one to date.

I am concerned that there may be some sort of fraudulent activity with this company.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2018 I was issued a Capital One credit card with the understanding that my minimum payment would be {$25.00} per {$1000.00} balance. I used the card several times in the winter and spring and each month I sent DOUBLE payments. Instead of the {$25.00} minimum payment, I sent a check for {$50.00}. The company did not, as it seems, apply the amount over the minimum payment to my balance completely, in turn making my balance increase rather than remain stable or fall. 
Now, I get a bill that states my minimum payment is {$30.00} on a {$950.00} balance, and this is not what was expected per the paperwork I received. 
I spoke with a representative at CapitalOne and it seems that they only conside a double payment if I paid twice in a month. Not right. and they are telling me that my interest rate rises the higher my balance is. 
I have never had this happen to me with any credit card I have had in the past and it seems no one at CapitalOne cares to help me. 
I was mislead on this credit card. If I had known this, I would not have taken the card. 

Also, credit applications should be SIMPLE and in PLANE English, not in legal jargon that no one understand unless they have a Law degree.
Consumer complaint received 2018-07-29
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 (CA)

I called CapitalOne concerning an XXXX charge that was on my card that i did not know about. I also told them that a XXXX charge was ok one time but it was not ok going forward because it is my X-Wife and she is no longer with me. The charge is for {$140.00} and is on my account twice without my permission. I can not stop the payments myself because i do not have the account information and this company never sends anything to this address in the mail. When i called they told me it's all done via email and if I don't have the account verification information then no account changes can be made. So i have these changes that will not stop. I told them to cancel the card and stop all payments to the account and they told me that all payments will be transferred to the new card per the agreement they have with Visa and Mastercard. So i can't stop the charges unless i close the account. Closing the account will have a negative impact on my credit because i just opened the account less than a year ago. All that i asked them is to stop the charges they tell me they can't. Please help me with this.
Consumer complaint received 2022-01-15
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: CITIBANK, N.A. (CA)

My credit report went down recently due to an unknown Citicards account being listed on my credit report as an authorized user. When trying to contact Citi they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.
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: LEXISNEXIS (NC)

I have reached out to XXXX XXXX on several occasions asking them to supply me with thXXXX XXXX XXXX   information they are using to 'validate ' judgements they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. I have contacted the deputy clerks of each district and they have assured me that they do not supply 3rd party including credit bureaus information about court cases. XXXX XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Below is a copy of a letter I sent to XXXX XXXX This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in credit reporting, regarding the entry being reported under By not replying in a timely manner to my initial letter XXXX XXXX has not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have XXXX XXXX clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious errors in reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. 95-6445 (  C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc. (VT)

According to paperwork I received from a neighbor ( The mailing address was wrong, so it didn't come directly to me, and we have many new mail carriers who are unfamiliar with our neighborhood, so I'm guessing they didn't recognize my name ), my job requested a motor vehicle background check on XX/XX/2019 after working for them for over 5 years. Sterling XXXX XXXX is the company who did the background check and provided a report to the HR department of the company I work for. I did not sign any documents giving permission for a background check to be done, so this was done without my consent and then provided to my employer, who sent a letter this week, saying they are terminating my employment for a speeding ticket from almost 2 years ago. I need help addressing this matter where illegal action was taken in regards to my personal information, then provided to my employer, resulting in termination. Exact words are, " Based on this information received from Sterling XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, telephone ( XXXX ) XXXX, we have decided to revoke your conditional offer of employment. '' Can you please help me get this resolved? 
With Gratitude.