davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (FL)

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00}
Consumer complaint received 2020-12-11
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. (FL)

Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Was not getting any of my benefits only was reviving it for 3 months also having trouble with my debit card when I went to make a purchase always said declined Bank of America all ways gave me issues
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Would like free copy of my credit report pursuant to my right. 

Attached are copies of my drivers license and social security card. 

My mailing address is XXXX XXXX XXXX, XXXX PA XXXX. 

Please update address on my credit report,
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (VA)

The {$140.00} annual fee posted on my travel credit card. I decided to close it because of COVID and I don't travel much. I requested the card to be closed, and Banco Popular refused to refund the annual fee. Please refund the {$140.00} I had to pay.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I selected to pay the full statement amount to the credit card in my account. However on XX/XX/2020 the system only charged me {$35.00} which is the minimum payment. And I was charged {$43.00} as interest. Given that I paid the full amount as soon as I noticed the issue, the bank still refused to refund the interest.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My dispute is with Capital One. They charged off my account in 2019 even though I still continued to pay what I could towards the debt. I was never notified and didnt know the account was charged off until I went on their website to make a payment. 

I called Capital One over a month ago in an attempt to settle the outstanding balance so I could get a letter of deletion or XXXX balance letter to improve my credit while I was applying for a mortgage. I was told they would provide that, but only if I paid through XXXX XXXX XXXXXXXX XXXX XXXX. I then called them and paid a settled amount on Friday, XX/XX/XXXX. 

I then called Capital One as I needed a XXXX  balance letter from them as requested by all 3 credit bureaus to update my credit score. They claimed the system hadnt updated even though they received verbal confirmation the debt was paid. I have yet to receive a XXXX  balance letter they promised if the debt was paid after making numerous phone calls.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Went to branch locations and was told account would be closed and not reporting late and the account has late reporting.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc. (MN)

I got a loan through Prosper marketplace for {$19000.00} for debt consolidation and was making regular payments while I was working up until the pandemic hit where I was trying to negotiate with them to lower the payments because the payments were too high being {$650.00} and I was no longer working. I spoke to one of the reps and they said that they could not lower the payments but after the loan was past due I could take a settlement and get on a new payment plan where the payments would be lower but I paid the settlement and the total that was owed on the portal site did not go down for the {$12000.00} when I signed the settlement to pay half of that amount by making 3 payments one of which was {$5000.00} and {$680.00} and another payment of {$330.00} to pay what was in the settlement agreement. I looked on the site and my credit report and they are reporting that I owe the full {$19000.00} which tanked my credit XXXX points and I asked them to explain to me why if I made the payment on the settlement are you not changing the balance on the site from the {$12000.00} to reflect what has been paid. I get the runaround and nothing changes. 
I need to get this straight so that my credit is not ruined because they are reporting incorrect information to the credit bureaus. The interest as of now is still going up on the amount owed and I am being reported as delinquent. I called and spoke to several reps the managers the collections department and I am getting nowhere and I need the resolved ASAP!
Consumer complaint received 2023-03-02
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: CBC Companies, Inc. (NY)

XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent Innovis, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2019-11-08
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: Santander Consumer USA Holdings Inc. (NV)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4400.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/2023 : Homeowner died intestate after serious illness. Ex-wife with no rights to property moved in, withheld information on pending foreclosure, damaged the house 's sewer system, dumped the deceased " household possessions outside the house, claimed rights to ownership, barred rightful heirs from coming into the house, moved in tenants and charged rent, illegally sold prescription medication of deceased, misrepresented identity and opened several credit card accounts in the deceased 's name, and refuses to provide all identification, tax records, income statements and real and private property of the deceased. 
XX/XX/2023 : Contacted XXXX XXXX XXXX Nationstar Mortgage, uploaded death certificate, reported hostile adverse possession of property and requested information on bringing the mortgage current while probate process was initiated. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 emailed all documents proving adverse possession and XXXX XXXX rights to cure the delinquencies on the account to bring the mortgage current so that the rightful heirs inherit the property. 
XXXX XXXX representatives all refuse to acknowledge or work with deceased 's heirs to cure the past-due status, because they want to foreclose on the house and profit at the expense of the rightful heirs and in support of the illegal occupant.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. 

I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. 

I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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: TD BANK US HOLDING COMPANY (IA)

I had an XXXX XXXX credit card issued by TD bank for several years as my primary credit card. When the card was an XXXX XXXX credit card, I received their mail including new credit cards and statements. So for several years my address worked fine. Then the card switched then from being XXXX to a TD cash credit card and an issue with my address occurred without me changing any information. 

When the switch occurred, TD bank made an error with my address, which made it so I no longer received any mail from them including the new credit card and statements. Therefore, I received no paper statements of what I owed them through the mail. Also with no credit card number, it is impossible to setup an online account or go through the forgot my username/password link. The only communication I had was an e-mail saying I owed money to a credit card I never saw. In the e-mail, it said If you have any questions, please call us at the number on the back of your credit card., which is impossible for me since I did not receive a credit card because of TD bank. I had tried to login to the site using my previous credentials for the XXXX banks credit card site. After that did not work, I assumed that I had just fallen for a phishing scam, because I had no evidence that I actually was issued a credit card from TD bank. 

With no way for me to view either paper or electronic statements, because TD bank messed up my address, they started to charge me late fees for reoccurring payments on a card that I had not received, activated, or used. I noticed in the spring of 2020 that my credit score had been lowered and after checking the report that I had late payments on a card I had not seen. When I called TD bank on XX/XX/XXXX of 2020, the person on my phone told me that their system showed that my mail was returned, so I had not received the credit card or statements through no fault of my own. If the address I had given was incorrect then I would not have received mail for several years while this card was an Ally bank credit card, which was not the case. 

I have filed a dispute with TD bank stating the above, and they responded by erasing my balance, but said the record of late payments would stay. I also tried to dispute the late payments through the credit agencies, but they only removed the last late payment, since TD bank had cleared my balance for the last month.
Consumer complaint received 2020-12-11
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. (NC)

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-11
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: Peterson Enterprises, Inc. (WA)

I am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit reports as a gesture of goodwill.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks you, ,XXXX XXXX
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (TX)

Experian is not responding to my demand to remove someone else information from my credit report. It has been more than 30 days and I sent 2 letters to Experian about removing addresses that are not mine, are inaccurate, never belonged to me. I also asked Experian to delete a name that is not mine and sent them my social security card and utility bill with my correct name XXXX XXXX XXXX. I mailed a letter on XX/XX/2021 which Experian did not remove the information at the time and I mailed a 2nd letter on XX/XX/2021 about this information being removed. I checked my credit report today on Experian website and it still shows the name of XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

XXXX  & TRANSUNION FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!
Consumer complaint received 2020-12-11
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. (MI)

On XX/XX/2020 I mail a certified letter to TransUnion to have 4 unauthorized inquiries removed that I do not recognize on my recently pulled credit report. The letter attached is their response which showed that nothing was done and I could sign up for another one of their service products to help with that. Tried calling the 800 on XXXX XXXX, 2020 but could not get through. It seems as though this letter was sent without any work done to look into the issue and provide a resolution. I am very concerned with my credit especially as it relates to unauthorized inquiries as just does not seem as though they are.