davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Company Inquiries : 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 2023-03-24
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. (KY)

I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission 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 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 ( i ) the information is ion fact ; inaccurate. 

Account XXXX XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RSI Enterprises, Inc. (CA)

I received a ticket by XXXX XXXX XXXX XXXX for stopping in the incorrect spot for an obstructed stop sign. On the ticket, it said in the fine print that it was not a legal law enforcement agency and that I was not obligated to pay. Then, they sent it to the debt collector. When I called the debt collector - RSI Enterprises , Inc - to inquire about next steps and whether I was obligated to pay, they hung up on me twice in a row without answering my question. I am concerned about whether this is legal/real, and I couldn't get an answer, because the woman got mad when I asked and hung up the phone twice in a row.
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Amount of the debt. 15 U.S.C. 1692g ( a ) ( 1 ) ; Name of the creditor owed. 15 U.S.C. 1692g ( a ) ( 2 ) ; Right to dispute validity within 30 days. 15 U.S.C. 1692g ( a ) ( 3 ) ; 15 U.S.C. 1692g ( a ) ( 4 ) ; and 15 U.S.C. 1692g ( a ) ( 5 ). 15 U.S.C. 1681i ( a ). 15 U.S.C.16815-2 ( b ) ( 1 ). 
XXXX {$47.00} ( Equifax XXXX XXXX XXXX XXXX XXXX {$780.00} ( XXXX, Equifax ) XXXX XXXX {$2800.00} ( Equifax ) XXXX XXXX {$560.00} ( XXXX, Equifax, XXXX XXXX XXXX {$680.00}, {$740.00} XXXX XXXX, XXXX, Equifax XXXX XXXX {$770000.00} XXXX XXXX XXXX XXXX, Equifax XXXX fed {$4200.00} ( XXXX, XXXX XXXX EQUIfax XXXX {$4200.00}, {$730.00} XXXX trans XXXX XXXX, XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX, equ ADDRESS REPORT INCORRECT : XXXX XXXX XXXX XXXX pa CORRECT ADDRESS XXXX XXXX XXXX XXXX pa XXXX Hard inquiries removed ( XXXX XXXX, equ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have always made my payment on the XXXX of the month. ( I keep track of my payments in a calendar set aside just for bills. ) I always go right to the Capital One website to make my credit card payment. In XXXX, I went to the website to make my monthly payment. I discovered that my due date had been changed! What!! I had not been notified of this change. I called Capital One. They made an adjustment to my account. Taking back the late fee, for not having made my payment on the XXXX of the month! I told them, that I did NOT want my due date changed, it has worked for me for as long as I have had the card. The woman I spoke to, said, its the new program and I can not have my payment due date on the XXXX, but I can have the XXXX. I said, okay. I will make that work. 
Along comes XXXX, and what happens once again?! Yes, the due date was the XXXX!! And yes, I got yet, another late fee! I called and went around and around in circles. I was on the phone for at least 45 minutes. Speaking with a supervisor as well. My minimum has been, I'm not sure. Usually around {$35.00} I think. I usually pay {$40.00} or {$50.00} a month. Now this month, XXXX, my minimum due is {$130.00}! What!! The supervisor could not tell me why. Even if it was the minimum due and the late fee, it would only be {$84.00}. But, I don't feel that I should have to pay ANY late fee. I was never notified that my due date was changing, then calling, I was told it was changing to the XXXX. Isn't there something that says we as consumers, should be notified that a due date is being changed?
Consumer complaint received 2022-10-08
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. (PA)

Experian violated my rights to privacy as a consumer. Resulting in cause to my reputation as a consumer. According to 15 usc 1681a ( 2 ) a consumer report does not include any information solely as to transactions or experiences between the consumer and the person making the report. Furnishing lateness is reporting transactions or experiences between the consumer and the furnisher of the information. Experian is violating my privacy as well as causing damage to my reputation.
Consumer complaint received 2021-04-06
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. (FL)

XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither XXXX  nor Equifax can produce a medical release signed by me the accounts need to be deleted immediately.
Consumer complaint received 2020-10-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My husband and I purchased a home in XXXX through Countrywide Home Loans. Two years later, we were very close to losing our home because of the recession and being in a compromised financial situation. We had an 80/20 loan and the primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, Bank of America which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, Bank of America sent us a XXXX balance notice and we thought everything was written off due to the predatory lending that Countrywide and Bank of America were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency XXXX XXXX XXXX XXXX has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX Recorders Office. I feel hopeless. I thought that debt was taken care of by Bank of America. I have called Bank of America and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX XXXX   stating we were part of an appraisal class action lawsuit against Countrywide Home Loans. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX website and they have 13 complaints against them. I am concerned with the validity of this debt.
Consumer complaint received 2020-04-21
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. (NJ)

Experian included a fraudulent account ( and my nonpayment of its charges ) on my credit report. I identified the account as fraudulent, took the necessary steps for it to be investigated, and obtained confirmation from XXXX Fraud Management that the account ( XXXX ) was opened fraudulently and that they have cancelled the fraudulent account, removed their credit inquiry and ceased collections activity. Experian has this information but continues to show the fraudulent account in my credit report, refuses to recalculate my credit score, and provides no means of correcting the record. When one chooses Identity Theft in the website interface as a reason for dispute, the website process stops and the site visitor is directed to call XXXX to report the fraudulent charges, but the IVR at that number provides no relevant options for doing so, and no " Operator '' option to submit correction requests to a person.
Consumer complaint received 2020-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

We applied for a loan modification in XXXX of XXXX due to the pandemic. This was supposed to last for 3 months. We received paperwork at the end of XXXX to sign and notarize to agree to the modification. My wife 's maiden name was on this paperwork. We have no idea why since every piece of mail we had ever gotten from them had her married name on it. 

We called about 10 times over the next 2 months to get this updated. Everyone gave a standard response of they are working on it - they in fact were not. On XX/XX/XXXX we were told they finally put in the request to update the paperwork and would send us new documents. 

We received documents ( after multiple attempts to contact ) on XX/XX/XXXX with a due date of XXXX. Every time we call the manager, XXXX XXXX, he does not call us back. I have been given 3 different peoples emails at this point, and no one returns our calls or emails. 

We have asked multiple times now for updated paperwork that is not expired and no one gives us any help. We are now looking at owing 3 months worth of payments at once and do not have any updated paperwork. I am not sure what else we have to do in order to get papers with corrected dates so that we can get back to " normal '' life.
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery claims to have bought debt from credit card companies that have charged them off. They file derogatory reports on my XXXX XXXX Credit report, and others, that negatively affect my credit score. If it  persists, they will find themselves in a number of consumer reports filed against them at every possible agency involved in protecting consumer rights. If they can not bring the issue to a court of law, obviously they have no credibility in collecting the debt and can only harass and threaten me. I will also file a complaints against the credit reporting agencies. 

Companies involved : Portfolio recovery XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I applied to be a Tennant at XXXX XXXX in 2020 and was told that all it was required was a {$50.00} application fee. 
At the end of the application, I was surprised with an additional {$500.00} as a " deposit. '' I inquired if I paid the deposit and decided not to move in if I would be refunded. The representative guaranteed me that yes I would be fully refunded. 
I decided NOT to move in, and asked for my deposit back. Months went by, and not only did not XXXX XXXX NOT refund my deposit but sent me an invoice for another {$570.00} claiming I had not paid the deposit and the application fee plus a {$25.00} returned check fee. ( I paid with a CC, not a check. I have and sent them both my CC statement and the receipt XXXX issued me for payment of the fee, and they still continue to charge me ) XXXX sent me to collections and reported me to a credit agency which ruined my credit. Even though they were the ones who owned me money. 
I took this issue to Small Claim Court and won a settlement for XXXX XXXX to pay me {$570.00} + Interest. 
XXXX refuses to pay the judgment and continue with their collection attemps and trying to ruin my credit even though I proved in court I was correct.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2018 -- checking and savings account opened through online portal under promotion for {$350.00} bonus. Per the coupon terms, opted to use only {$200.00} checking bonus as I would not qualify for the {$150.00} savings bonus. 

XX/XX/2018 -- I received a bulk mailed offer from Chase regarding their new promotion for {$300.00} when you open a new checking account.Thus in part jogged my memory regarding the promotion I'd signed up under over 10 weeks ago without yet receiving the money I was due. With no indication that something had gone wrong, I called Chase customer service regarding lack of receipt of payment for the promotion. Spoke with supervisor. Supervisor refused to assist because she could not re-apply the coupon. She let me know repeatedly that she did not want to help me and that there was no way she could apply the coupon now despite showing it on my account and despite my having correctly followed the terms of the promotion. When asked if there was any way that the promotion could still be applied, she told me I should close my account for 90 to 180 days so when I come back I will be considered a new customer. When I asked how that could possibly be reasonable, she once again reminded me that " even if I wanted to help you, I couldn't. '' When I asked if a manager could call me back, she agreed and advised it would be 24 to 48 " business hours. '' XX/XX/2018 -- After 5 days/2.5 business days, I sent an email to the Chase Executive Office/Team and reached out to their customer support team via XXXX. I have not heard anything nor been in contact with anyone from the executive team, and though I have gotten a reply from the support team, they merely informed me that they forwarded my complaint to the marketing team and offered no resolution or timeframe for a reply. 
XX/XX/2018 -- As I am writing all of this, an executive resolution team member called me to let me know she will be my point of contact for my complaint. Though I appreciate her, it's concerning that to get anywhere with Chase 's customer service, you have to email the CEO and his office.
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: CITIBANK, N.A. (NM)

My wallet was stolen on XX/XX/2022 ( fell out of purse in parking lot, went back 4 minutes later to it gone ). My social security was in the wallet, along with drivers license, debit card, credit card, gift card, and some cash. There was no video footage, unfortunately. However, one bystander mentioned that a XXXX  woman with thinning blonde hair and a black backpack who appeared to be XXXX  was in parking lot around same time wallet was dropped. Spoke to a few other employees in the area and all mentioned same woman who hung out around the area. One employee stated that this particular individual has a XXXX  problem. 

I was checking my credit score report and noticed an inquiry I did not make for a XXXX credit card, XXXX XXXX, and Citi credit. When searching deeper into my XXXX account, I noticed my email was listed incorrectly as XXXX instead of XXXX. I have reached out to XXXX  XXXX and they have refused to remove the inquiry. I have also contacted Citi bank Home Depot Credit Card department without success. 

I have contacted the XXXX Police Department ( XXXX ) and filed a police report online. The tracking number is XXXX. I called XXXX and they said that this number can be linked with case number.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX XXXX, XXXX on XX/XX/18 violated my 609 rights by reporting incorrect information to TransUnion, XXXX, and XXXX, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, TransUnion, XXXX, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (UT)

I submitted a dispute through XXXX requesting an update to my reporting, as the status showed Unknown. It was paid and closed in XX/XX/XXXX, and therefore should reflect as such. XXXX responded and updated my report, but did so inaccurately. They updated the status, payment amounts, balance dates, and the payment history inaccurately. It has caused great detriment and undue hardship to me, as Im seeking to finance a home. The updates included negative reporting, and even include the term negative on the payment history data from XX/XX/XXXX through XX/XX/XXXXwell after the loan was paid and closed! Ive called multiple times, submitted emails, provided documentation, and have discussed this matter with a representative at XXXX. They insist that no updates were made, that they will not update and correct the problem, and they wont honor the agreement they offered to me through their own rehabilitation loan program ( which I completed and have since paid off with XXXX ). I have asked many times for contact information to whom I should I send my requested updates and supporting documentation, but the representatives refuse. They insist that no one is there to do can correct the inaccuracies since my loan is paid and closed on their end. Further, they refuse to acknowledge that they even updated in response to my original dispute, and refuse to provide a clear way to submit my requests for further research and correction. The representatives keep insisting that the data on their system is 100 % accurate and they can not help because my loan has been paid, but they are refusing to understand that the data to the credit bureaus was entered differently than what their system shows. Its frustrating when they wont take the time to review the reporting, the actual updates they made, their own errors, or honor their own agreements. I wouldnt have entered into their rehabilitation program if the one benefit on credit reporting was not going to be honored, and theyd later report inaccurately to my severe detriment. The representations made in the agreement were not just verbalits included in the direct correspondence from them and even in their official forms and subsequent contractual agreement. Its a misleading practice and unethical, and I sincerely hope the multiple issues Ive relayed can be addressed and resolved.
Consumer complaint received 2022-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I've filed a dispute with XXXXXXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX  XXXX since XX/XX/2017 serving a XXXX XXXX XXXX  in the XXXX XXXX XXXX XXXXXXXX. Where I am housed at the XXXX XXXXXXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen an account from XXXX XXXX  that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my XXXX XXXX card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX Identification with my Social security card. Which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX  for the past five years when this account was opened in my name I was in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no cable was ever Serviced at a XXXX  XXXX. this is facts that would would show that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Consumer complaint received 2021-08-17
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. (FL)

I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.