davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX No. XXXX has violated my rights. 

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.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with Experian, XXXX, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, XXXX, and Transunion on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Havent used card in over XXXX XXXX. Was charged annual fee in XX/XX/2022 but never notified or prompted to view statement. Card was past due and was charged multiple late fees. Discovered issue when I noticed credit score go down. Immediately paid off balance of {$170.00}. Called company to request refund and complain that my credit was affected. Was told they do not email notifications and was my responsibility to check bill online. Why would I as I havent used card in a XXXX Other cards will prompt me to view statements when fee has been charged on a unused card
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

As of XX/XX/2019 in response to a complaint filed with CFPB. Vanderbilt Mortgage. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and XXXX have both reported information verified from Vanderbilt again that is not accurate nor matches the information provided in the response to the previous complaint to Vanderbilt.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus
Consumer complaint received 2022-04-27
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

i was supposed to receive a refund {$430.00} from XXXX on the account number ending XXXX and also another refund from the checking account ending XXXX {$23.00} from XXXX and the refunds are showing pending on both of this checking account and the funds are not yet available this funds are supposed to be available for immediate used and M & T Bank Has Not Release this Funds Back to my Account.
Consumer complaint received 2019-11-17
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. (IN)

I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX  XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (TX)

I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IA)

In XXXX of 2015, I opened an account with Comenity Bank at the age of XXXX years old. I had just turned XXXX, and was fresh, young and naive. I never really knew when my bill was due, as I thought I was set up with auto-pay when I signed up for the card. I ended up getting behind on my payments, and the because of interest I ended up owing way more on the account than what was even credited to me and it ended up going to collections. I am now XXXX years old, I have paid off all my debt with those collections in full, but they are all still reporting as derogatory marks on my credit report which is causing a lot of personal, business and financial issues in my life.I have a child now, and I am not able to get a second car for our growing family, a mortgage, or any of life 's necessities because of this issue. These accounts have been paid in full for over 6+ months, I reached out to the companies and the creditors are refusing to take these derogatory marks off my report.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

They have a collection report on my credit report I have sent 609 letters to the company and the credit bureau to get verification that the debt is mines and ut has been over 30 days and no one has responded to me, also the company is not licenses in the state of texas therefore they are not allowed to collect any debt from me, my texas identification number they have dont match my original id therefore they are also reporting false collection on my report
Consumer complaint received 2021-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, I've been trying obtain a copy of my TransUnion SmartMove report. Online, the website directs people to call in to obtain the report, but when you call you are told you have to email a copy of a photo ID to a blind-box email, meaning the information will be available for potential identity theft. After being on the phone with them for more than 20 minutes, they offered that I could Fax or email a supervisor directly. But it shouldn't take a 20 minute call to figure out a safe way to obtain my publicly available report to which I am entitled under the law.

They offer no secure website by which to submit the information, or any other way to verify my identity that doesn't involve sharing confidential information via email or fax. That's crazy.
Consumer complaint received 2023-03-29
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 XXXX XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

first was XXXX XXXX XXXX i owed money to and was put in collections by then i made several hundred dollar payments on time got caught up then started receiving phone calls non stop about XXXX calls a day from them harassing me when i was XXXX day late on my next payment even when i was all caught up on past due owed. i got in financial hardship due to covid and told them but they still call all day over XXXX calls day harassing me even XXXX day late. lvnv funding took over acct and put me in collections for original amount owed and did not give me credit for all payments i made i notified them every couple weeks for mons they didn't have accurate info to get correct info they have me in collections for hundreds more then i owe i told them contact XXXX XXXX to get my payments i made update my credit report they didn't they transferred to true accord who then i emailed for months trying to tell them the issue they didn't care but they tried to settle the said for 60 percent of what they said i owed which was not the correct amount the amount they tried to settle for was more then correct amount i really owe i send true accord my proof bank statements that i paid asked them to update what i owe with proof i had then XXXX days later i asked true accord to now settle with new info i gave them wasczold they transferred acct back to lvnv funding as they didn't wants to be involved collecting on a debt that's fraud and not truly what i owe the have me in collections for hundreds more then what i owe i have sent proof i have been emailing them for months now for them to fix it yet lvnv refuses to put the correct amount i owe or do anything to help me fix the situation i admit i owe a couple hundred but the are charging me for the original amount i owed before all the payments i made and i can not get any help and im trying to fix my credit so i can get a place to live
Consumer complaint received 2021-03-30
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. (MI)

Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.
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 — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted the companies, who placed the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2019-11-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I was told that because I was a veteran who made 12 consecutive payments on time I sas being given a rate reduction refinance free of charge at no cost to me of 1/2 % from 5.15 % to 4.5 %. 

If I knew what was going to happen or that it was a lie I would never have committed to doing a refinance. I feel that I was targeted in a predatory manner by my mortgage company. 

I am a XXXX veteran and so I get an exemption for my taxes and was waiting on a refund from my escrow account. 

In XX/XX/2019 I was contacted by my Mortgage company about this incentive to reduce my mortgage rate from 5 % to 4.5 %. 

After a short period, maybe twenty or so days, I was scheduled and had someone come out to the house to sign a very large amount of paperwork ( more than sixty or so pages ) where I was shown that my rate was going to be reduced by about 180.00 per month. I finished signing and the person left. 

About three months later ( XXXX ) I received my taxes due and called the mortgage company to submit the numbers and receive my refund of all the overpaid tax money in my escrow account because I receive a large deduction being a XXXX veteran. It was then that I was advised that my escrow account was emptied and used as an advance to pay down my principal on my house from the original XXXX to XXXX. 

Fast forward to yesterday where I received a letter from the mortgage company telling me my escrow account was now negative ( XXXX ) and I needed to submit a one time payment of XXXX to bring my escrow account to the minimum or if not, my new mortgage payment would now be an additional {$700.00} per month for the next year, which is more than I was originally paying. This in no way helped or benefitted me and has only put undue stress on my finances. 

This was obviously deceitful and harmful and I would have never entered into this deal if I knew this is what it was. Now I have no money for XXXX for my family and no money to cover the taxes due in XXXX for the XXXX district. I dont understand how this is even legal.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XXXX XXXX, I intiated an instant transfer of funds in the amount of {$280.00} from my Venmo account to my XXXX checking account.Although Venmo insists that the funds were transferred, the funds never posted in my XXXX  checking account.Both companies performed a investigation but couldn't determine where my money went and told me that they consider the matter closed.My boss, who wrote the check, went into XXXX XXXX and had the check traced.XXXX discovered that the funds were deposited into a account at XXXX XXXX XXXX  XXXX, XXXX XXXX, which was then transferred to an account at XXXX XXXX XXXX  XXXX XXXX XXXX. I have a copy of the check which I will attach, thank you.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I only had the vehicle for XXXX  weeks and contacted the lender saying I just wanted to return the vehicle, which we agreed upon. Didnt have it long enough to even make payment or miss payment and they agreed on just a return and not a repossession. When I check my credit report they put it in there as a repossession anyway and said just pay {$7000.00} to clear it off my credit which is a direct violation of consumer rights and they also gave me false accusations and information telling me its ok it will just be a return then turn around and tell me I have to pay money to get this removed. They resold the vehicle and got their money and still trying to make me pay too.