davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX
Consumer complaint received 2018-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

My SSN has been changed by an employee of US Bank, so that I can not access my accounts. I have had no issues with my SSN and being identified on the US Bank System.

An US Bank employee has changed by SSN without my consent and this has been done by the bank employee to make my life difficult.
Consumer complaint received 2018-06-15
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: DISCOVER BANK (TX)

I have disputed an Discover Card account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to Discover. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
Consumer complaint received 2018-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

Back in XX/XX/XXXX there was a really bad Hurricane and i was in contact with Caliber mortgage about my mortgage payment almost every week. The reps on the phone kept telling me that due to the natural disaster that we did not have to make our monthly payment. Than i checked my reports and they reported me 30 days late. I than called and the rep said that if i disputed the alleged late pay that they would correct their mistake. Well i disputed it and they still have me as late.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA told me if I pay the amount I own for {$23.00} I could open up a new one they said its paid but they say cause cfpb thats y I cant open a new one cuz to you guys its looking unpaid but I paid it this my Id XXXX, XXXX
Consumer complaint received 2022-09-10
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-04-28
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}
Consumer complaint received 2022-09-10
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: CITIBANK, N.A. (DE)

I purchased 2 units of laptop from XXXX XXXX on XX/XX/XXXX. Total amount {$1700.00}. Items were supposed to be delivered on XX/XX/XXXX but not delivered to my address. Delivery confirmation photo showed no merchandise at all. I raised a dispute to Citi on XX/XX/XXXX. Citi investigated and received delivery status documentation from Best Buy, which Citi shared with me in a mail delivered to me on XX/XX/XXXX. The delivery status documentation included the delivery confirmation photo that showed no merchandise at all. This delivery was done by Best Buy 's in-house delivery team, not XXXX, XXXX or USPS. There was no geographical location trace data but just a final delivery status. Nevertheless, in a call on XX/XX/XXXX with Citi, Citi 's representative confirmed that Citi made decision only based on the delivery status and ignored other information which may or may not contradict with the status. The representative claimed that the decision was final. In this case, the status was " delivered '' while the confirmation photo belied the status and there was no geographical trace data, Citi still chose to side with merchant. I am very disappointed by Citi 's decision making process based on one-dimensional information. This puts consumers in a significantly disadvantaged position and abets predatory merchants to take advantage of unwitting consumers by labelling undelivered or misdelivered merchandise as " delivered ''.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I consolidated my bank loans and my bank told me my credit file was blank with someone elses name and some medical bills from another state that were not mine. I was told I couldnt get any more loans until I rectified the situation with Equifax and was provided a number. I called equifax and a few weeks later a Received a letter saying they removed a name for my credit report and that is the only notification I received. I am relocating from XXXX XXXX XXXX. I applied for housing and was denied. The denial was because of my credit report with Equifax. I tried to obtain my credit report online and was unable to so I called Equifax and was told there was a fraud indicator and a freeze placed on my credit file and I did not request any of this Equifax can not tell me who requested it and can not tell me when it was placed I am told I have to wait 24 hours and then I have to wait four days to receive a copy of my report and score in the mail I am currently in an uncomfortable position unable to get housing because of this
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I, the consumer, purchased a XXXX XXXX XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX. I made a down payment of {$2800.00}. I paid {$400.00} for insurance before I could leave the car lot. I have been making payments in the amount of {$290.00} for the past XXXX  months ( I have not missed a payment ). After learning of my consumer rights, I was not provided with the type of notice of my rights to recission under the Truth in Lending Act ( TILA ), 15 USC 1601et.Seq this is required by Federal Law. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant to 12 CFR 1026.3 named Truth in Lending. Per the congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer ( me ) will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit during the consummation of the contract. '' Furthermore, according to the Truth in Lending Act 15 USC 1605, my down payment and insurance should have been included in my finance charge, which is all I needed to complete the contract. There should NOT have been any cash exchange after the use of my social security number ( which is by law my credit card ), that constitutes as unauthorized use of a credit card once I entered into a consumer credit transaction. XXXX XXXX XXXX XXXX did not disclose my right to rescind. This being the case, pursuant to 15 USC 1635, I have the right to rescind my initial consent to pursue the terms of my contracts. I conclude this complaint with a demand for XXXX XXXX XXXX XXXX to return my initial down payment of {$2800.00} and all monthly cash payments totaling about {$11000.00} I have made since they have failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to them. 15 USC 1635 ( b ) ( F ). I demand that XXXX XXXX XXXX XXXX return my down payment and other cash payments made within 20 days of this notice by law.
Consumer complaint received 2018-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After XXXX years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission CAPITAL ONE AUTO FINAN XXXX {$3000.00} - - Installment Negative XX/XX/XXXX CAPITALONE XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-22
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. (MA)

Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date.

To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months.

I addressed this information with the bank, stating unaware of the report to the bureaus.

This false report is badly reflecting my score while rebuilding my score and hard work.

Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Student Aid (USA) Funds (WA)

XXXX, USA Funds, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as XXXX, USA Funds, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and USA Funds ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Consumer complaint received 2022-09-10
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. (TX)

I have been in contact with TransUnion by phone between the dates of XX/XX/XXXX to XX/XX/XXXX about this matter. I have filed a ftc report and submitted it as well via mail and fax XX/XX/XXXX. I called to confirm it was received and no one seems to have gotten it. I verified the address before I sent it out. I have not gotten any help in regards to this matter of unauthorized inquiries on my credit report. I know my rights under Frca and have stressed this to Transunion representatives, but they refuse to help me. I placed a freeze on my credit reports on XX/XX/XXXX once I learned I could use this feature. I will attach the FTC report and list the XXXX inquiries that I didnt authorize below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX These should be deleted immediately and investigated further because I believe Im a victim of identity theft..
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have repeatedly tried to dispute this XXXX late payment from my credit report. The company agreed to remove it. The XXXX payment was under deferment due to XXXX Virus. The company made an error the credit Experian will not remove it.
Consumer complaint received 2020-04-28
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. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I closed my account via XXXX. They said it was closed and done. But now I know that I succeeded closed my saving account but there was XXXX  left on my checking so they dont close my account. I thought lt was closed so i ignore anything else. Few months after, now they said i owned money because my checking was not closed so there is maintenance fee. Now the account is closed and they can't do anything at all. And keep saying its my fault. Thats it. Nothing they can do. And i have to pay for it.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (OK)

I have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MS)

XXXX case XXXX. I was notified by XXXX Identity Theft protection that a claim was filed by Pro-collect collection agency, representing XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX which was opened XX/XX/2021 and for {$11000.00}. Someone using my social security number was involved in an apartment rental at this location. I do not know this person and have never rented an apartment there. Police report also filed with XXXX Police Department, XXXX, MS
Consumer complaint received 2018-06-17
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. (TX)

XXXX XXXX has erroneously place a 30 day late payment due on my account for the month of XX/XX/XXXX. I leased the vehicle from XX/XX/XXXX and the lease ended in XX/XX/XXXX in which I made all contractual lease payments on time. My lease payments were made in full. At the end of the lease there was a balance of approximately {$4100.00} unknowingly due to mileage. I was not able to pay off the balance however I have been paying the arranged amount of XXXX per month which is indicated on the call and check I sent in ( see picture attached ). I have been sending this payment in monthly. XXXX XXXX is misrepresenting me as late on my lease payment of {$610.00} per month which is not true.
Consumer complaint received 2020-04-28
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. (FL)

over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (PA)

The federal law of 'right to refuse service ' has its limits, that may extend beyond civil rights. Likewise, as per the Consumer Review Fairness Act of 2017, it's illegal for a company to impose a penalty against someone who gives a review, which can even be about its customer service. ( Source : https :  //www.ftc.govXXXX ) I asserted my rights as a customer by tweeting against American Express ' poor customer service ( especially that of its overseas ' teams, which provide so poor quality service, that it seems they work on some sort of a contract for American Express , and aren't American Express employees ). Ever since I ( privately ) complained against a deceptive privacy & data security claim by providing audio of a call to the American Express Social Customer Care team ( XXXX handle : AskAmex ), it has been boycotting me by ignoring my XXXX & messages, and helping out everyone else who tweets to it. 

Until that point ( XX/XX/XXXX ), I had only posted a meme about their overseas customer care, and had posted screenshots of comments by one of AmericanExpress.com 's chat-based overseas customer service representative. I hadn't even been remotely rude towards the AskAmex team-members until then, and can prove it via my tweets, and XXXX messages exchanged with XXXX. I also hadn't used vulgar language, and had only provided my honest reviews, yet XXXX has been boycotting me since XX/XX/XXXX. 

XXXX is the best customer care team of American Express. 
I believe it's illegal for it to retaliate against me for posting honest reviews by refusing me service, even though it may disagree with my assessment or opinion of American Express ' overseas customer care teams.
Consumer complaint received 2018-06-15
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. (SC)

On XX/XX/XXXX I sent over a letter to Transunion Credit Bureau to remove hard inquiries on my credit report that I did not authorize. These accounts have been removed from XXXX and XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-28
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. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

Amazon charged me {$31.00} on XX/XX/2021 for tee shirts I didn't receive. They have bombarded my bank account with relentless threats and me. I got confirmation via chat that they would refund my money.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report