davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
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. (FL)

I sent a dispute to Transuni

on, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to
have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.
Consumer complaint received 2020-05-18
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. (OH)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$310.00} STATE OF MI OFFICE CHI XXXX {$980.00}
Consumer complaint received 2020-05-18
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. (OH)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX   XXXX {$310.00} STATE OF MI OFFICE CHI XXXX {$980.00}
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (NC)

A closed account recently past the statute of limitation and was estimated to be removed on XX/XX/XXXX. On XX/XX/XXXX Equifax removed the account in question and then added the same account back on XX/XX/XXXX causing an unfair drop of 36 points to my Equifax credit score using the vantage XXXX scoring model. If the account was removed prematurely by Equifax ( i.e ) by a matter of days I believe this would fall under the FCRA as unfair untimely and inaccurate credit reporting. When the account was removed it virtually had no impact on my credit score using XX/XX/XXXX but when this old account was added back it had an immense impact on my score I dont feel this account was weighed fairly. Lastly I have made great strides to improve my credit and have been met with adversity at almost every step of the way but would like to thank the CFPB for all your help
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Experian is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I called TransUnion/XXXX after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw there's still an UNVERIFIABLE item on my personal profile I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts ' late payments must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WY)

I told them that I would have the account paid off, and that I wanted my account closed. I did not want to get the card in the first place. But while I was purchasing a camper at XXXX XXXX in XXXX XXXX SD, they made it seem as though I could not make purchases without having a XXXX XXXX XXXX from Comenity Capital Bank. I made purchases with the card, but they treat it like a bill, instead of letting the debt roll over to the following month, they call me about 8 times a day and hang up every time I answer. And they shut down the card, so you can not use the card unless you pay the minimum payment. I was called 8 times on XX/XX/XXXX, I was called 7 times on XX/XX/XXXX. I was texted as well on the XXXX, so that makes 8 attempts to contact me. Today, XX/XX/XXXX, I was called once every hour, when I answered they would hang up. I finally got an answer from an XXXX XXXX  named XXXX, I told her that they are harassing me, and that I wanted my account closed. She kept interrupting to tell me that I could pay the bill. I told her like I told the first person who called, that I will have the debt paid off on the XXXX  and that I wanted my account closed with them. They use " This will damage your credit if you close the account '' as if that justifies them to be the way they are and ignoring my request to close the account. I do not see an easy way to close my account on their website Comenity.net. Which is now breadfinancial I guess. The company seems very shady.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-05-18
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX XXXX {$2100.00}
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

On XX/XX/2020 I filed a complaint with CFPB against Capital One 360 over a closing of my account due to 3rd party deposits.The total of the 3rd party deposits is {$9400.00}. But Capital One withdrew {$1600.00} over the total amount of the 3rd party deposits. If Capital.One did a thorough enough job when they did the investigation into the deposits, they would see that 3 of those deposits that they removed were made to ME, and NOT the 3rd party. The 3rd party and I BOTH have unemployment. Whoever handled this issue did not research the deposits thoroughly to check the names of who the deposits were for. They just assumed all Dept of Labor deposits to the account were sent to the 3rd party and then went ahead and removed all of them.That is unacceptable and Capital One should have more competent employees handling issues like this. I have attached the response that I received to my XX/XX/XXXX complaint and underlined the deposits that were made to ME and were removed with no legal right. That was money from the State of Hawaii sent to ME, in MY name and Capital One has no authority to take those deposits from my account.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Someone named XXXX XXXX opened a credit card in XXXX and spent XXXX and some dollars and never paid it. For some reason, they listed me as an authorized user on their account. This is a XXXX XXXX credit card. My maiden name is XXXX XXXX, however, I do not know this person, nor have I ever had a credit card with XXXX XXXX. 

Can you please help me correct this as soon as possible as it is negatively affecting my credit?
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My paypal account are no longer to use and I hvae a balance thir which is its hard to make, During this pandemic ( covid 19 ) I hard to find a foof we it and also a job that because I join different application to have a money ( XXXX $ or in XXXX is XXXX  ) in my paypal, I dont what happen but I hope we fix it!!!! My paypal email - XXXX ( XXXX XXXX.
Consumer complaint received 2020-10-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (AZ)

My Husband and I purchased new windows for our house through XXXX XXXX. We decided to take advantage of a financing offer through XXXX 's partner, Greensky Financial. We applied by providing our information to the XXXX representative using our legal names, XXXX and provided the XXXX 's representative with our state issued identification as well as our personal information, all of which has my married name of XXXX. When our first statement arrived I discovered that Greensky had changed my name back to my " maiden '' name of XXXX, citing that they did it because that is what the credit bureau has listed as my last name. Greensky refuses to correct the error and instead demanded that I provide a copy of my marriage license. It is my belief that Greensky Financial has discriminated against me due to my gender. I firmly believe that if I were the secondary applicant and I was a woman my name change would in no way be questioned. I frequently check my credit with all three bureaus and they all have me listed as XXXX XXXX and XXXX as " other names known by ''.
Consumer complaint received 2020-05-18
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2017-12-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

A Chapter XXXX Bankruptcy Dismissal is being reported on my credit file. Ref # XXXX I 've reached out to the bureaus to ask them to remove this reporting because it 's affecting me severely. I 've even express to them that because of the reporting It 's preventing me from receiving a promotion that was offered and I really need. The bankruptcy was filed in XXXX but was withdrawn shortly after. I did not go through with the procedure. I instead borrowed money from friends and family to pay off my outstanding debts. 
I 've send numerous rounds of letters asking for it to be removed. XXXX not only refuses to remove it but refuse to send me their method of verification and documents from the courts they claim they got the information from. I 've informed them that I spoke to some one within the court/ and department of records who notified me that XXXX did not verified with them and will not because they do not give out or report any such information. each time they claim to have verified, I asked them for proof and they refuse to send it. I 've asked them to please delete the negative Item if they will not honor my request and they still refuse to. The last letter that was sent out to them was dated on XXXX XXXX. That letter came back verified and they still did not honor my request.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (FL)

I received a email from experian saying my score dropped 20 points but no information is given about why. When going on there website it actually dropped 34 points. There is nowhere in there site explaining way, there tel # is just an automated service with no live agents and when I finally find a number a can call they send me back to the automated service. I've been working very hard to bring my fico score to where it use to be and then this happens. Can you help?
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (KY)

CBE Group is attempting to collect a debt that has already been closed and consider satisfied. This debt was collected by XXXX  XXXX  by XXXX XXXX XXXX. XXXX  XXXX  was unable to support the debt with proof. I sent them a letter demanding proof of debt, and they could not provide it and closed the account out and removed it from my credit. So, the creditor sent the debt to a new collection agency and is trying again to collect the debt.
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (TX)

The company we applied for a loan for a car repair says that they havent received a payment for 45 days, at least, when we have made multiple payments. Its not being reported to my credit account and the payments are going through without fail. We have contacted XXXX XXXX XXXX ( which is owned by Duvera ) and told them this but in the past we were put on hold for up to three hours without being connected to someone and we hung up out of pure frustration. When last contacted we were told that the account is past due even when they had charged us the day they contacted us and days prior.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (MN)

I recieved a letter via XXXX that states the debt collector - XXXX XXXX XXXX  - is threatening to turn my debt over to a lawyer who will sue me for this debt owed.
Consumer complaint received 2021-05-01
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. (CA)

THE UNVERIFIED  AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC (TX)

I was originally contacted in regards to a refinance by Village Capital late XXXX, I did everything required on my end for this process and was told that in XXXX at the time of refinancing that my next payment would be due in XX/XX/XXXX. At the end of XXXX, I was contacted via email by XXXX XXXX and informed that there was an issue with the Notary and that the files were audited. I was offered a lower rate, lower interest rate and no payment until XXXX to fix the issue. I agreed and signed the documents that were sent to me and again advised not to make a payment until XX/XX/XXXX. In XXXX I started getting calls and letters that my account was past due and I started to call to see what was going on, customer service advised me everytime that the calls will continue and that I'm fine due to my refinance being processed, I was never informed that there was an issue with my refinance. I started emailing and trying to reach my loan officer XXXX XXXX via phone and that was unsuccessful. So during this entire time, he was not available to speak with me and I could never seem to get transferred or in contact with anyone who could. I was told several times that someone would call me back and it never happened. I did not start getting calls back until I filed a complaint with XXXX, CFPB, FTC and other companies to get this issue looked into and resolved. After filing several complaints, I was contacted by XXXX XXXX, he was very helpful and did everything he could. He told me to fix this issue the company would pay XXXX and I would have to come up with XXXX, I did that and he also said they would do everything necessary to clear the derogatory marks on my credit in which he did as well. Everything was removed from my credit with the late payments and on last week, some how it was added back. I was also informed verbally and by email that the loan officer XXXX XXXX was deceased and that is why my file was not properly handled and come to find out he is still with the company and has mailed me a letter trying to complete another refinance on my loan. 

I have also attached a letter showing that my credit is being ran again for another refinance with the company and I have not applied for such, this was done without my acknowledgement or permission.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

My AMEX Platinum Business card suddenly reduced my Pay Over Time Option from {$20000.00} to {$12000.00}. I already had a balance of {$20000.00}. Since my pay over time payment is based on 1 % of the balance- my payment should have been {$200.00}. Instead, they are asking me to pay {$2900.00} this month. I am asking that they please honor the agreed upon pay over time amount of {$20000.00} or lower the amount {$12000.00} and just keep the payments at 1 % of the balance- which was agreed to at the time of the purchases made. This is causing me extreme hardship.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

I have a kabbage  checking account ( AMEX ) and have only made deposits into it. 
It pays 1.1 % APY interest. 
On XX/XX/XXXX was paid 77.23 interest On XX/XX/XXXX deposited XXXX On XX/XX/XXXX was paid 77.11 interest. 

Normally under these conditions the interest increases. 
Looks like! ) Fraud in Advertising or 2 ) Messy software or 3 ) Someone is cashing in ... .. ( have you seen the movie office space?
Consumer complaint received 2020-05-18
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. (OH)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX  XXXX {$100.00} XXXX  XXXX {$310.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$980.00}